Introduction

These Terms & Conditions (the “Terms”) constitute a legally binding agreement between you and Winum (“Winum,” “we,” “our,” or “us”) governing your access to and use of the online casino services, games, content, and related features made available through our website, mobile website, and any Winum mobile applications (collectively, the “Services”). By accessing, visiting, registering for an account, or otherwise using the Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms in their entirety, along with any other policies that are incorporated by reference, such as our Privacy & Data Protection Policy, Responsible Gambling Policy, and any promotional terms. These Terms apply regardless of the device or platform you use to access the Services, including desktop, laptop, tablet, or Winum play on mobile. If you do not agree with any provision of these Terms, you must immediately cease using the Services and refrain from creating or continuing to hold an account with Winum. For the avoidance of doubt, these Terms are drafted with a strong emphasis on responsible gambling, full legal compliance, and player protection, and you are encouraged to review them carefully before engaging in any real-money play.

These Terms may be updated, amended, or replaced from time to time in order to reflect changes in applicable laws, regulatory guidelines, business practices, technical developments, or enhancements to the Services. You are responsible for reviewing these Terms regularly, as your continued use of the Services following any updates constitutes your acceptance of the most recent version. Winum reserves the right to introduce additional terms or conditions applicable to specific products, games, promotions, tournaments, or features, and such supplementary terms will be deemed incorporated herein by reference to the extent that they do not conflict with these Terms. In the event of any inconsistency between these Terms and any specific promotional or product terms, the specific terms will prevail solely with respect to the applicable promotion or product. Nothing in these Terms is intended to diminish your statutory rights under the laws that apply to you, to the extent that such rights cannot be lawfully limited or excluded. If you have any questions regarding these Terms, you are urged to contact our customer support team before continuing to use the Services.

Acceptance of Terms

By registering an account, completing the sign-up process, clicking any button indicating your acceptance of these Terms, or using any portion of the Services, you affirm that you have read and fully accepted these Terms and all policies referenced herein. Your acceptance extends to any updated or amended versions of these Terms, which may be published from time to time on the Winum website or within the Winum mobile interface. You acknowledge that it is your sole responsibility to regularly review the Terms so that you remain fully informed of any changes, and that your continued use of the Services after any modifications signifies your binding acceptance of such modifications. If at any time you disagree with the Terms or any modified version thereof, you must immediately discontinue use of the Services and, if applicable, request closure of your account. You further agree that all use of the Services is at your own discretion and risk, subject to the limitations and responsibilities set out in these Terms.

Your acceptance of these Terms includes your acknowledgment that online gambling and gaming for real money can involve a financial risk and that you may lose funds deposited or staked during your use of the Services. You therefore agree that you will not use any funds or resources that you cannot afford to lose and that you will approach gambling as a form of entertainment rather than a source of income or financial solution. You expressly consent to Winum executing any instructions you provide via the Services, including wagers, deposits, withdrawals, and changes to account settings, in accordance with these Terms and any applicable regulatory obligations. You also acknowledge that the outcome of games is determined by random number generators (RNGs) or other fair and certified mechanisms, and that you will not challenge or dispute game outcomes based on personal expectation or perceived patterns. Finally, by accepting these Terms, you confirm that you understand the importance of responsible gambling tools and agree to use such tools, where necessary, to manage your gaming behavior in a safe and controlled manner.

Eligibility & Age Restriction (18+ only)

Use of the Services is strictly limited to individuals who are at least eighteen (18) years of age or the legal age of majority in their jurisdiction, whichever is higher. By registering an account or using any Service that involves real-money wagering, you affirm that you meet the minimum age requirement and that you possess the legal capacity to enter into this binding agreement under applicable law. You are solely responsible for determining whether access to and use of the Services is lawful in your jurisdiction, and you agree to comply with all applicable laws, regulations, and local rules governing online gambling. Winum reserves the right to request proof of age and identity at any time, including but not limited to government-issued photo identification, address verification documents, and any other documentation reasonably required to confirm your eligibility and prevent underage gambling. Failure to provide satisfactory documentation may result in suspension or closure of your account, cancellation of wagers, withholding of funds, and notification to relevant authorities where required by law.

Winum maintains a zero-tolerance policy toward underage gambling and takes robust measures to prevent individuals under eighteen (18) from accessing the Services. Parents, guardians, and responsible adults are strongly encouraged to monitor and secure any devices or payment instruments that could be used by minors to access gambling websites or Winum play on mobile. You acknowledge that minors are particularly vulnerable to the risks associated with gambling, including potential harm to emotional development, academic performance, and future financial stability. By agreeing to these Terms, you commit not to allow any third party, including minors, to use your account or access the Services under your credentials. Any suspicion or evidence of underage gambling will trigger immediate investigation, and if confirmed, Winum will close the account, void any wagers, and handle any remaining funds in accordance with legal requirements and responsible gambling standards. You are encouraged to use parental control tools and content-filtering software to prevent minors from accessing gambling-related content on devices in your care.

Account Registration

To participate in real-money games and certain features of the Services, you must complete the account registration process and create a personal user account (the “Account”). During registration, you will be required to provide accurate and complete information, including but not limited to your full legal name, date of birth, residential address, email address, and payment details. You certify that all information provided is true, correct, and up-to-date, and you agree to promptly update any changes to your information to maintain its accuracy. Providing false, misleading, or incomplete information, or impersonating another person or entity, is strictly prohibited and may result in immediate account suspension or closure, forfeiture of funds, and possible notification to regulatory or law enforcement authorities. You are permitted to maintain only one Account with Winum, and multiple accounts, duplicate registrations, or accounts created on behalf of others are not permitted unless expressly authorized by Winum in writing.

Upon successful registration, you will be asked to create unique login credentials, including a username and password, which must be kept strictly confidential. You are solely responsible for maintaining the security of your login credentials and for all activity that occurs under your Account, whether authorized by you or not. You agree to notify Winum immediately if you suspect unauthorized use of your Account or any breach of security, and you understand that failure to do so may result in losses for which you may be held responsible. Winum is entitled to assume that any transaction or action carried out through your Account after successful login has been performed by you, and Winum will not be liable for any losses arising from unauthorized use of your Account where you have failed to protect your credentials. As part of our regulatory and security obligations, we may perform identity verification checks (“KYC”—Know Your Customer), including verification of your age, identity, and payment methods, before allowing deposits, withdrawals, or continued access to certain features.

Where required by applicable law or internal risk procedures, Winum may request additional documents or information from you at any time, including but not limited to proof of income, source of funds, or enhanced due diligence questionnaires. You agree to cooperate fully and promptly with such requests as a condition of maintaining access to the Services. Failure to provide requested documents within a reasonable timeframe may result in temporary restrictions on your Account, including the suspension of withdrawals, until such verification is complete. Winum may also impose betting, deposit, or loss limits during the verification process to mitigate potential harm and comply with responsible gambling obligations. Any personal data collected during registration and KYC checks will be processed in accordance with our Privacy & Data Protection section and applicable data protection laws.

Deposits & Withdrawals

To place real-money wagers or participate in real-money games, you must fund your Account by making a deposit using one of the approved payment methods listed in the Payment Methods table below. Deposits are credited to your Account balance once they are successfully processed by the relevant payment provider, though some methods may involve processing delays outside the control of Winum. By initiating a deposit, you confirm that you are the lawful owner of the payment method used, that you have the right to use the associated funds, and that your use of such payment method does not violate any laws or third-party agreements. Winum reserves the right to refuse a deposit, reverse a transaction, or request additional verification if it suspects fraud, misuse, chargeback risk, or violation of these Terms. You understand that deposits may be subject to minimum and maximum limits, fees, and processing times, which will be disclosed where possible before you complete the transaction.

Withdrawals of funds are subject to identity verification, compliance checks, and the completion of any wagering or bonus requirements that may apply to your Account. Winum aims to process withdrawal requests promptly; however, actual processing times may vary depending on the chosen payment method, the need for additional verification, and third-party payment providers. You acknowledge that Winum may, where necessary, request additional documentation prior to the approval of a withdrawal request, including but not limited to identification documents, proof of address, or proof of ownership of the payment method. Withdrawals may be subject to minimum and maximum limits per transaction, day, week, or month, and these limits will be communicated to you through the cashier section or upon request. In cases of suspected fraud, money laundering, bonus abuse, or other prohibited conduct, Winum reserves the right to delay, refuse, or reverse withdrawals, and in some cases to freeze Account funds pending investigation.

You are responsible for all fees and charges that may be imposed by your bank, card issuer, payment provider, or telecommunications operator in connection with deposits, withdrawals, or use of the Services. Winum is not responsible for any foreign exchange fees, currency conversion differences, or other charges arising from transactions made in a currency other than that in which your Account is denominated. Where applicable, Winum may offer multiple currency options; however, once a base currency is selected, changes may not be possible, and all transactions will be converted at the prevailing rates set by our payment processors. You agree that you will not request or initiate chargebacks, payment reversals, or similar actions through your bank or payment provider without first contacting Winum to resolve the matter. Any unjustified chargeback or payment dispute may result in immediate Account suspension, reporting to relevant authorities and financial institutions, and collection of any associated fees or damages from you.

Payment Methods Table

The availability of specific payment methods depends on your country of residence, regulatory requirements, and internal risk controls. Winum may add, modify, or remove payment methods at its sole discretion and will endeavor to provide notice where reasonably possible. You should always check the cashier section for the most current list of supported payment methods and any applicable fees or restrictions.

Bonuses & Promotions

From time to time, Winum may offer bonuses, free spins, cashbacks, tournaments, loyalty rewards, and other promotional incentives (collectively, “Promotions”) to eligible players. Each Promotion will be governed by its own specific terms and conditions, including but not limited to eligibility criteria, wagering requirements, time limits, game restrictions, maximum winnings, and withdrawal limitations. By participating in any Promotion, you agree to the applicable promotional terms as well as these overarching Terms, and you acknowledge that failure to satisfy all conditions may result in the forfeiture of bonus funds and associated winnings. Promotions are typically intended for recreational players, and Winum reserves the right to restrict, limit, or exclude certain players or groups of players from Promotions based on objective risk assessment, responsible gambling considerations, or regulatory obligations. Unless explicitly stated otherwise, bonuses and promotional offers are limited to one per person, household, IP address, device, or shared environment.

Bonus funds and free spins are generally credited to a separate bonus balance, and you must meet the specified wagering requirements before these funds and any winnings derived therefrom can be transferred to your withdrawable cash balance. Game play on certain games or categories may contribute differently toward wagering, and some games may be entirely excluded from bonus play as specified in the promotional terms. Attempts to exploit Promotions through collusion, irregular betting patterns, arbitrage, minimal risk wagering, or any other form of bonus abuse are strictly prohibited and may result in the removal of bonus funds, cancellation of associated winnings, and possible account closure. Winum reserves the right to withhold or withdraw a Promotion or to cancel any bonus where it has reasonable grounds to suspect fraud, error, technical malfunction, or breach of these Terms. You acknowledge that Promotions are offered at the discretion of Winum and may be modified, suspended, or withdrawn at any time, subject to honoring obligations already incurred to players in accordance with applicable law.

You should always review the specific terms attached to any Promotion before opting in or accepting it, as these terms may impose important conditions on your gameplay. For example, certain Promotions may require you to make a minimum qualifying deposit, use a specific payment method, or enter a promotional code during the deposit or registration process. Some Promotions may be available exclusively on Winum mobile platforms or as part of Winum play on mobile campaigns; in such cases, details will be clearly communicated. Time-limited Promotions may expire if not used within the stated period, and any unused bonuses, free spins, or promotional entries may be removed from your Account without compensation. If you wish to withdraw your real-money balance before completing wagering requirements, you may request to forfeit your bonus funds and associated winnings, subject to the specific promotional terms and any applicable restrictions.

Game Rules

Each game available through the Services, including but not limited to slots, table games, live dealer games, video poker, and specialty games, is subject to its own set of rules, payout structures, and instructions. These rules can typically be accessed within the game interface or through the help or information section associated with each title. By engaging in any game, you acknowledge that you have read and understood the applicable rules and that you will comply with them at all times. You are responsible for ensuring that you are familiar with how bets are placed, how outcomes are determined, and how winnings and losses are calculated before committing real-money stakes. Misunderstandings or lack of knowledge about game rules do not entitle you to a refund, reversal, or any form of compensation.

Winum endeavors to ensure that game information, paytables, and rules are accurate and up-to-date; however, errors, omissions, or discrepancies may occasionally occur. In the event of an apparent error or malfunction—such as a display issue, payout miscalculation, or game interruption—Winum reserves the right to correct the error, adjust balances, void affected bets, or replay the game round from the last accurate state. Where a discrepancy between the on-screen rules and the official rules provided by the game supplier is identified, the official rules of the game supplier shall prevail. You acknowledge that some games may have different return-to-player (RTP) percentages, volatility levels, or risk profiles, and that your participation in any game is at your chosen level of risk. You are encouraged to use demo or practice modes where available to become familiar with game mechanics before engaging in real-money play.

Certain games or categories may be restricted in specific jurisdictions or to specific players due to licensing, legal, or regulatory requirements. Winum reserves the right to add, modify, suspend, or remove any game or game category from the Services at any time without prior notice, including for reasons of maintenance, regulatory compliance, or commercial considerations. In cases where a game becomes unavailable during an active session or round due to technical malfunction or removal, Winum will handle the outcome in accordance with applicable regulations and our internal policies, which may include voiding the affected bets and refunding stakes to your Account. It is your responsibility to ensure that your internet connection is stable, your device is compatible, and your software is updated in order to participate in games without undue interruption. Winum is not responsible for losses or missed opportunities resulting from connectivity issues, hardware limitations, or other factors outside its direct control.

Fair Play & RNG

Winum is committed to providing a fair, transparent, and trustworthy gaming environment in which all players have an equal opportunity to win subject to the inherent randomness of casino games. Outcomes for online slot games, digital table games, and certain other products are determined by certified random number generators (RNGs) that have been independently tested by reputable, accredited third-party laboratories. These RNG systems are designed to ensure that results are statistically random, unpredictable, and free from manipulation by either the operator or players. Where applicable, Winum works with licensed and regulated game providers that are themselves subject to rigorous testing and ongoing compliance monitoring regarding game fairness and integrity. You acknowledge that you accept the outcomes of any game as determined by the RNG or other applicable mechanisms, and that the displayed result on the server or game system will be deemed the final and authoritative outcome.

To maintain fairness and compliance, Winum monitors gameplay for suspicious patterns or behavior that may indicate cheating, collusion, automated play, or other forms of unfair advantage. Such behavior can include, but is not limited to, using bots or automated scripts, exploiting software bugs or glitches, colluding with other players, or employing strategies specifically designed to circumvent fair play or bonus terms. If Winum reasonably believes that you have engaged in unfair or fraudulent activity, it may take corrective action, including canceling bets, voiding winnings, adjusting balances, restricting your access to certain games or features, or closing your Account. Winum may also share relevant information with regulators, law enforcement agencies, or other operators where required or permitted by law to combat fraud and uphold integrity within the online gambling ecosystem. You agree to cooperate fully in any investigation of suspicious activity and acknowledge that your access to the Services may be temporarily restricted during such investigations.

You understand that no gambling system, strategy, or method can guarantee winnings due to the inherently random nature of casino games and the use of RNGs. Claims or representations by third parties that they possess a guaranteed-winning strategy or a method to consistently beat the house edge are false and misleading, and you are advised to avoid any such services. Winum does not endorse or support any third-party systems or tools claiming to improve odds or circumvent game rules. If you choose to rely on such external advice or materials, you do so solely at your own risk, and Winum will not be responsible for any losses or consequences resulting from such reliance. You are encouraged to treat all games as a form of entertainment, recognize that outcomes cannot be predicted, and use responsible gambling tools where needed to help manage your play.

Responsible Gambling

Winum places responsible gambling at the core of its operations and is dedicated to providing a safe, enjoyable, and controlled gaming environment for all players. Gambling is intended to be a form of entertainment, not a solution for financial difficulties or emotional distress, and you are strongly advised to approach gaming with moderation and self-awareness. You acknowledge that gambling carries the risk of financial loss and that excessive or uncontrolled play can lead to serious personal, financial, and social harm. Winum encourages you to set personal limits, monitor your gaming behavior, and use the responsible gambling tools made available through the Services, including deposit limits, loss limits, session reminders, time-outs, cooling-off periods, and self-exclusion. Our responsible gambling measures are designed not only to comply with legal and regulatory requirements but also to support your long-term well-being and help prevent the development or escalation of gambling-related problems.

We particularly emphasize the heightened risks that gambling poses for individuals under the age of eighteen (18), as young people may lack the emotional maturity, financial resources, and risk awareness required to gamble responsibly. For this reason, Winum strictly prohibits minors from registering or using the Services and actively implements verification and monitoring processes to detect and prevent underage gambling. Parents and guardians are strongly urged to safeguard access to devices, personal information, and financial instruments that could be used to access gambling sites, including Winum mobile platforms and applications. If you suspect that a minor is using the Services, you must immediately notify Winum so that appropriate measures can be taken, including account suspension and further investigation. We also encourage adults to discuss the risks of gambling with young people in their care and to use parental control tools and content filters to block access to gambling-related content.

Winum provides clear information, resources, and tools to help you make informed decisions about your gaming behavior. These include educational materials about the nature of gambling, explanations of house edge and odds, and guidelines for setting realistic budgets and limits. If at any time you feel that your gambling is no longer under control, you are strongly encouraged to take immediate steps, such as implementing stricter limits, taking a break, or activating self-exclusion. In addition, Winum partners with or provides links to external support organizations that specialize in helping individuals affected by problem gambling, including confidential helplines, counseling services, and self-help groups. While Winum does not provide clinical treatment, we are committed to assisting you in accessing professional support where appropriate.

Tools & Features (table)

Support Resources

If you believe that your gambling is becoming problematic or that you are at risk of developing a gambling disorder, it is important to seek help early. Winum encourages you to contact customer support to discuss available tools such as stricter limits, temporary breaks, or self-exclusion measures that can be immediately implemented on your Account. You can also access educational materials and self-assessment questionnaires through the responsible gambling section of the Services, which can help you evaluate your gambling behavior and identify warning signs. In addition, Winum provides links to independent organizations that specialize in gambling addiction support, including national and regional helplines, counseling services, and therapy providers. These organizations typically offer confidential, free or low-cost support and can guide you toward personalized treatment options if needed.

Family members, friends, or other concerned individuals who suspect that someone close to them has a gambling problem may also contact our support team for guidance on available protective measures, such as restricting access to an Account or preventing new accounts from being opened. While Winum cannot disclose personal Account information to third parties without proper authorization or legal basis, we can provide general advice and information about responsible gambling and support options. We also recommend that concerned persons encourage the affected individual to seek professional help and to use external support resources specializing in gambling-related harm. Remember that gambling problems are often accompanied by other issues such as stress, anxiety, depression, or financial difficulties, and comprehensive support may require addressing multiple factors. Winum is committed to cooperating with regulators and support organizations to improve awareness, early detection, and effective intervention for gambling-related harm.

Prohibited Activities

You agree not to engage in any activity through the Services that is illegal, fraudulent, abusive, unethical, or otherwise in violation of these Terms or applicable law. Prohibited conduct includes, but is not limited to, using stolen or unauthorized payment methods, engaging in money laundering, financing terrorism, colluding with other players to gain an unfair advantage, or manipulating game outcomes through any form of technical or non-technical interference. You may not create accounts on behalf of others, sell or transfer your Account, or use your Account as a conduit for third-party transactions or financial services unrelated to genuine gambling activity. Automated tools, bots, scripts, or any form of software designed to interact with the Services without direct human control are strictly prohibited, as is any attempt to reverse engineer, decompile, or otherwise tamper with our software, game clients, or systems. Any suspicious or prohibited conduct may result in immediate suspension or closure of your Account, voiding of bets and winnings, seizure of funds in accordance with legal and regulatory requirements, and possible reporting to law enforcement or regulatory authorities.

You further agree not to engage in abusive or offensive behavior toward Winum staff or other players, including harassment, threats, hate speech, discriminatory remarks, or the dissemination of unlawful, defamatory, or obscene content. Communication channels provided through the Services, such as live chat or player interactions in live dealer games, must be used in a respectful and lawful manner. Winum reserves the right to monitor such communications to the extent permitted by law and to take action against any user who violates these standards, including muting chat functions, restricting account access, or terminating the relationship. You must not introduce viruses, Trojans, worms, or other malicious code into the Services, nor may you attempt to gain unauthorized access to our systems, networks, or data or those of third-party providers. Any deliberate attempt to damage, disrupt, or compromise the integrity or security of the Services may result in civil or criminal liability.

Bonus abuse and promotional fraud are also considered prohibited activities. Examples include using multiple accounts or coordinated strategies to exploit promotions, deliberately placing bets that minimize risk solely to meet wagering requirements, and collaborating with others to recycle bonus funds. Winum reserves the right to withhold or cancel bonuses, reclaim any bonus-related winnings, and close the Accounts of individuals or groups suspected of engaging in such practices. Where necessary, Winum may rely on internal risk tools, behavioral analysis, and external databases to identify patterns indicative of abuse or fraud. By using the Services, you consent to such monitoring and acknowledge that Winum may act on any reasonable suspicions to protect the integrity of its operations and comply with regulatory obligations.

Restricted Countries (table)

Winum’s Services are not available in all jurisdictions, and access may be restricted or prohibited in certain countries due to legal, regulatory, or commercial considerations. It is your responsibility to ensure that your use of the Services is lawful in your country or region of residence. Winum reserves the right to block accounts, refuse service, or cancel wagers originating from restricted jurisdictions, whether or not such restrictions are explicitly listed in these Terms. The following table provides an illustrative list of countries where access to real-money gambling services may be restricted or unavailable. This list is not exhaustive and may be updated at any time based on changes in law, regulatory guidance, or internal risk assessments.

Players attempting to access the Services from restricted or prohibited countries may have their accounts closed, and any pending wagers, bonuses, or unsettled transactions may be voided in accordance with legal and regulatory obligations. If you relocate to another jurisdiction, it is your responsibility to notify Winum and confirm whether the Services are lawfully available in your new location. Use of VPNs, proxies, location-masking technologies, or false information to circumvent geographic restrictions is strictly prohibited and may lead to immediate account termination and forfeiture of funds where allowed by law.

Privacy & Data Protection

Winum is committed to protecting your privacy and handling your personal data in a secure, lawful, and transparent manner. When you register and use the Services, we collect and process certain personal information, including but not limited to your name, contact details, date of birth, identification documents, payment details, device information, IP address, and information about your gambling behavior. This data is processed for purposes such as account creation, verification, transaction processing, fraud prevention, responsible gambling monitoring, customer support, and compliance with legal and regulatory obligations, including anti-money laundering and counter-terrorist financing requirements. We may also use your data, where permitted by law and subject to your preferences, to send you marketing communications about our products, services, Promotions, and updates. You can manage your communication preferences through your Account settings or by following the instructions provided in any marketing communication.

Winum implements appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. Such measures may include encryption, access controls, secure servers, regular security assessments, and staff training on data protection requirements. While we strive to maintain the highest security standards, no system can be guaranteed to be completely secure, and you acknowledge that the transmission of data over the internet is not entirely risk-free. You are responsible for maintaining the confidentiality of your login credentials and for taking reasonable steps to protect your devices and networks from unauthorized access. In the event of a data breach that may pose a high risk to your rights and freedoms, Winum will follow applicable legal requirements regarding notification to affected individuals and relevant supervisory authorities.

We may share your personal data with third-party service providers and partners who assist us in delivering the Services, such as payment processors, game suppliers, identity verification services, marketing agencies, and IT support firms. These third parties are bound by contractual obligations to process your data only on our instructions and to protect it in accordance with applicable data protection laws. We may also disclose your personal information to regulatory bodies, law enforcement agencies, courts, or other public authorities when required or permitted by law, including in connection with investigations into fraud, money laundering, problem gambling, or other unlawful activities. Some data transfers may involve recipients located outside your country of residence; in such cases, we will ensure that appropriate safeguards, such as contractual clauses or other legally recognized mechanisms, are in place to protect your information.

You have certain rights regarding your personal data, which may include the right to access, correct, or update your information; the right to request deletion or restriction of processing in certain circumstances; and the right to object to processing for direct marketing purposes. You may exercise these rights by contacting us through the channels specified in our Privacy & Data Protection Policy and providing sufficient information to verify your identity. Please note that some data may be retained for a period necessary to comply with legal obligations, resolve disputes, enforce agreements, or meet regulatory retention requirements, even after your Account is closed. For detailed information about our data collection, use, retention, and your rights, you should consult the dedicated Privacy & Data Protection section available on the Winum website or within Winum mobile applications.

Account Suspension & Termination

Winum reserves the right, at its sole discretion but subject to applicable law and regulatory requirements, to suspend, restrict, or terminate your Account and access to the Services for any reasonable cause. Such causes may include suspected breaches of these Terms, evidence of fraud or attempted fraud, money laundering concerns, provision of false or misleading information, chargebacks or payment disputes, abusive behavior towards staff or other players, and use of the Services from restricted or prohibited jurisdictions. During a period of suspension or restriction, you may be unable to place bets, withdraw funds, or access certain features until the matter is resolved or the suspension is lifted. Winum will endeavor to notify you of the reasons for any significant account action, where permitted by law and where doing so will not prejudice any investigation or regulatory requirement. In some cases, we may be legally obligated not to disclose specific details, particularly in connection with anti-money laundering obligations or law enforcement inquiries.

You may choose to terminate your Account at any time by contacting customer support and submitting a formal request for closure, provided that your Account is not currently under investigation for suspected prohibited activities. Upon receipt of your request, Winum will close your Account within a reasonable timeframe and, following necessary checks, process any remaining withdrawable balance in accordance with these Terms and applicable law. Please note that if you have chosen to self-exclude for responsible gambling reasons, your Account will be closed or restricted for the duration of the self-exclusion period and cannot be reopened until that period has expired, and only subject to a suitable reassessment. Account termination, whether initiated by you or by Winum, does not relieve either party of obligations incurred prior to the date of termination, including pending wagers, disputes, or legal requirements related to record retention.

In certain circumstances, Winum may permanently close your Account and, where permitted by law, confiscate funds associated with proven unlawful activity, fraudulent behavior, or serious breaches of these Terms. Funds that cannot be lawfully returned to you may be handled in accordance with regulatory instructions, which may include remittal to authorities or responsible gambling initiatives. If your Account remains inactive for an extended period, as defined in our internal policies or applicable regulations, Winum may classify it as dormant and may charge a reasonable inactivity fee or take other actions consistent with local law. In such cases, Winum will attempt to contact you using the most recently provided contact details before any fees are applied or other steps are taken. You are responsible for keeping your contact information up-to-date to ensure that you receive such notifications.

Limitation of Liability

To the maximum extent permitted by applicable law, Winum, its affiliates, directors, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of the Services, these Terms, or any breach thereof. This exclusion applies whether such damages arise in contract, tort (including negligence), strict liability, or otherwise, and includes, without limitation, loss of profits, loss of revenue, loss of data, loss of goodwill, business interruption, or any other intangible losses, even if Winum has been advised of the possibility of such damages. Winum’s total aggregate liability to you for any claims arising out of or relating to the Services or these Terms, whether in contract, tort, or otherwise, shall be limited to the lesser of the amount of your net losses on the Services over the six (6) months preceding the event giving rise to the claim or an amount explicitly required by applicable law that cannot be limited or excluded. Nothing in these Terms shall operate to exclude or limit liability for death or personal injury resulting from negligence, fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

Winum shall not be responsible for any failure or delay in performing its obligations where such failure or delay results from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, power outages, telecommunication or internet failures, system or network attacks, or actions of governmental or regulatory authorities. While Winum endeavors to ensure that the Services are available and functioning correctly at all times, we do not guarantee uninterrupted, error-free, or virus-free operation. Technical issues such as downtime, maintenance, software glitches, or connectivity problems may occasionally impact your ability to access the Services or complete game sessions. In such cases, Winum will take reasonable steps to resolve the problem as soon as practicable, but shall not be liable for any losses resulting from such interruptions, provided that such losses do not arise from our gross negligence or willful misconduct.

You acknowledge that you use the Services at your own risk and discretion and that Winum does not provide any guarantees regarding your chances of winning or the suitability of the Services for your specific needs or circumstances. You are solely responsible for assessing the legal, financial, and personal implications of participating in online gambling and for complying with any local laws that may apply to you. If you are dissatisfied with any aspect of the Services, your sole and exclusive remedy is to stop using the Services and, where applicable, close your Account. This limitation of liability section forms an essential part of the agreement between you and Winum, and the Services would not be provided without such limitations.

Complaints & Dispute Resolution

Winum strives to provide high-quality Services and to address any concerns or issues promptly and fairly. If you have a complaint relating to your Account, transactions, game outcomes, bonuses, or any other aspect of the Services, you should first contact our customer support team using the channels indicated on the website or within the Winum mobile interface. When submitting a complaint, you must provide clear and accurate information, including your Account details, a detailed description of the issue, relevant timestamps, and any supporting documentation such as screenshots or transaction records. Winum will acknowledge receipt of your complaint within a reasonable timeframe and will endeavor to investigate and respond to your concerns in a fair, objective, and timely manner. You agree to cooperate with any investigative process and to provide any additional information reasonably requested by Winum to resolve the matter.

If you are not satisfied with the outcome of your initial complaint, you may be able to escalate the matter in accordance with internal procedures, which may involve review by a more senior member of staff or a dedicated complaints team. Winum will provide details of the escalation process upon request or as part of its response to your complaint. In jurisdictions where it is mandatory or customary, Winum may also participate in alternative dispute resolution (ADR) mechanisms or make available information about independent bodies that can review unresolved disputes between players and operators. The availability and nature of such ADR services depend on your jurisdiction and the specific regulatory framework governing the Services. Where applicable, details about ADR providers and processes will be made available in the complaints or legal sections of our website.

Nothing in this Complaints & Dispute Resolution section is intended to limit or exclude any legal rights you may have to bring a claim before a court or other competent authority in accordance with applicable law. However, you are encouraged to use our internal complaints procedure and any available ADR mechanisms as a first step, as these processes are typically designed to provide fair and efficient resolution of disputes without the cost and delay associated with litigation. Any complaint or dispute must be raised as soon as reasonably possible after the occurrence of the event in question, and in any case within the time limits specified by applicable law. Failure to raise a complaint in a timely manner may affect our ability to investigate and resolve the matter or may result in certain remedies being unavailable.

Governing Law

These Terms, your use of the Services, and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws specified by Winum in its licensing and regulatory disclosures, without regard to conflict-of-law principles that would result in the application of the laws of another jurisdiction. You agree that, subject to any mandatory provisions of applicable law and any available alternative dispute resolution mechanisms, the courts of the competent jurisdiction identified in Winum’s licensing information shall have exclusive jurisdiction to hear and determine any action, proceeding, or claim arising out of or relating to these Terms or the Services. If you access the Services from a location outside the jurisdiction of Winum’s primary regulatory authority, you are responsible for ensuring that your use of the Services complies with local laws, and nothing in these Terms shall be construed as granting you any rights under the laws of a foreign jurisdiction where online gambling is prohibited or restricted.

If any provision of these Terms is found by a court or other competent authority to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified or severed to the extent necessary to render it valid and enforceable, and the remaining provisions shall continue in full force and effect. The headings used in these Terms are for convenience only and shall not affect the interpretation or construction of any provision. The governing law clause is not intended to limit any consumer protection rights you may have under the laws of your country of residence that cannot be lawfully waived or limited by contract.

Final Provisions

These Terms constitute the entire agreement between you and Winum with respect to the subject matter hereof and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the Services. No failure or delay by Winum in exercising any right, power, or remedy under these Terms shall operate as a waiver of such right, power, or remedy, nor shall any single or partial exercise of any such right, power, or remedy preclude any other or further exercise thereof or the exercise of any other right, power, or remedy. You may not assign, transfer, or delegate any of your rights or obligations under these Terms without the prior written consent of Winum, and any purported assignment in violation of this restriction shall be null and void. Winum may assign or transfer its rights and obligations under these Terms, in whole or in part, to any affiliate, successor, or third party as part of a merger, acquisition, corporate restructuring, or sale of assets, subject to compliance with applicable law and regulatory approval.

Any notices or communications required or permitted under these Terms may be provided electronically, including via email, in-product messaging, website notifications, or other digital means, and such communications shall be deemed received when sent, unless we receive an automated message indicating non-delivery. You are responsible for maintaining accurate contact information in your Account and for regularly checking your email and in-account messages for updates, notices, or changes to the Services or these Terms. Separate terms and policies, such as the Privacy & Data Protection Policy, Responsible Gambling Policy, or specific promotional terms, form an integral part of your agreement with Winum and should be read in conjunction with these Terms. In the event of any inconsistency between these Terms and other policies, these Terms shall prevail to the extent of the inconsistency, except where otherwise expressly stated.

Your continued access to and use of the Services, including Winum play on mobile platforms, signify your ongoing acceptance of these Terms and your commitment to responsible, lawful, and fair play. If at any time you have questions or concerns regarding these Terms, you should contact customer support for clarification before proceeding. By maintaining an Account and engaging in gambling activities through the Services, you confirm that you understand the risks involved, the importance of responsible gambling, and the legal obligations that apply to you and to Winum. If you do not agree with any part of these Terms, you must immediately stop using the Services and request closure of your Account in accordance with the procedures described above.