Introduction

These Terms & Conditions (the “Terms”) govern the use of the online gambling services, games, software, and related products (collectively, the “Services”) made available under the brand name “Winum” (“Winum,” “we,” “us,” or “our”). By accessing, visiting, registering an account, or otherwise using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms, together with our Privacy Policy, Responsible Gambling Policy, and any other supplemental policies published on our website. These Terms apply to all access to our Services, whether through desktop, mobile browser, or any application, including any future Winum iPhone app or other mobile software we may make available. If you do not agree with any provision of these Terms, you must not use the Services and should immediately discontinue all interaction with our platform. These Terms constitute a legally binding agreement between you and Winum, and your continued use of the Services confirms your ongoing consent to all conditions set forth herein.

The purpose of these Terms is to ensure that the Services are provided in a fair, transparent, and secure manner that complies with all applicable laws and regulations. We are firmly committed to maintaining the highest standards of responsible gambling and player protection, and as such, many provisions in these Terms are designed to promote safer play, mitigate risks of gambling-related harm, and protect vulnerable individuals, particularly minors. We may revise, update, or modify these Terms from time to time to reflect changes in our Services, regulatory environment, or internal policies, and such changes will take effect as described in the section on Acceptance of Terms. It is your responsibility to review these Terms periodically to remain informed of any updates that may affect your rights and obligations. Your acceptance and continued use of the Services signifies your full understanding of these Terms and your consent to be bound by them in their entirety.

Acceptance of Terms

By clicking “Register,” “Sign Up,” “I Agree,” or any similar button, by downloading or installing any associated software (including any option in the future to download Winum for iPhone), or by otherwise accessing or using the Services, you expressly agree to these Terms in full. If you do not agree with these Terms or any portion thereof, you are not permitted to use the Services and must immediately discontinue access. Your agreement to these Terms is a prerequisite for maintaining an account, participating in games, making deposits or withdrawals, or claiming bonuses and promotions. You acknowledge that these Terms may be amended from time to time and that it is your responsibility to monitor any updates published on this website or within the Services. We may, at our sole discretion, notify you of material changes via email, platform notifications, or pop-up messages, but failure to receive or review such notices does not exempt you from being bound by the revised Terms.

Any continued use of the Services following the effective date of updated Terms constitutes your acceptance of such changes. If you do not agree with any future modifications, your sole remedy is to stop using the Services and request closure of your account in accordance with the provisions of these Terms. We reserve the right, without prior notice where permissible by law, to suspend or terminate your access to the Services if we believe you have violated these Terms, engaged in any unlawful or improper activity, or failed to comply with any applicable regulation. You acknowledge that these Terms, along with any referenced policies, collectively form the entire agreement between you and Winum with respect to the Services, superseding any prior communications or understandings. In the event of inconsistencies between translated versions of these Terms and the English-language version, the English-language version shall prevail.

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 the legal age of majority in their jurisdiction, whichever is higher. By creating an account, you warrant and represent that you meet the minimum age requirement and have the full legal capacity to enter into binding agreements. We reserve the right to request proof of age and identity at any time, and we may suspend or terminate accounts if satisfactory verification is not provided, or if we detect any indication that a user may be underage. Individuals who are under eighteen years of age (or under the applicable age of majority) are strictly prohibited from registering, depositing, wagering, or using any aspect of the Services. Attempting to circumvent our age verification procedures, including by using false documentation or the identity of another person, is a serious violation of these Terms and may result in account closure and notification to relevant authorities.

We emphasize that gambling by minors is a serious concern and can lead to significant developmental, financial, and emotional harm. The Services are not designed or intended for children or adolescents, and we implement a variety of technical and procedural safeguards to discourage underage access. Parents and guardians are strongly encouraged to install appropriate content-filtering, parental-control software, and device restrictions to prevent minors from accessing gambling websites and applications. If you suspect that a minor has gained access to the Services using your devices or account credentials, you must immediately notify us so we can take prompt action, which may include suspending the account and undertaking additional verification. We will not be liable for any losses or consequences arising from access by minors due to your failure to implement adequate safety measures or protect your login information.

Account Registration

To participate in real-money games and access 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 telephone number. You may also be asked to create a unique username and secure password, which you agree to keep confidential and not to share with any third party. By registering, you warrant that all information provided is true, accurate, current, and complete, and you agree to promptly update any information that becomes outdated or incorrect. The use of aliases, false identities, or the registration of multiple accounts for the same individual is strictly prohibited unless expressly allowed by us under specific, disclosed circumstances.

We reserve the right to perform identity verification, known as Know Your Customer (KYC) checks, at any time, including but not limited to when you register, before processing withdrawals, or if suspicious activity is detected on your Account. This may involve requesting copies of government-issued identification, proof of address, payment method documentation, or other relevant information. If you fail to provide the requested documentation within a reasonable timeframe, we may freeze or close your Account, and any pending withdrawals may be delayed or canceled subject to applicable laws and regulations. You are solely responsible for the security and confidentiality of your login credentials, and any activity conducted through your Account will be deemed to have been authorized by you. In the event of suspected unauthorized use, you must immediately notify us so we can investigate and, where appropriate, suspend or secure the Account.

Your Account is intended solely for your personal, non-commercial use and must not be used on behalf of any third party, including but not limited to acting as an agent, intermediary, or organizer of betting pools. Transfer of accounts, sale of user profiles, or the sharing of login information for the purpose of evading restrictions or obtaining bonuses is prohibited. We may, at our discretion, decline to open an Account for any individual or close an existing Account without obligation to provide a specific reason, provided such actions are consistent with applicable law and regulatory obligations. Any funds remaining in a closed Account will be handled in accordance with these Terms and any legal requirements, which may include returning funds to the verified payment method used for deposits or holding them subject to regulatory guidance. By registering an Account, you acknowledge that we may communicate with you via email, SMS, in-platform messages, or other channels regarding your use of the Services, transactional notices, security alerts, and updates to these Terms.

Deposits & Withdrawals

To place wagers or participate in real-money games, you must deposit funds into your Account using one of the payment methods supported by Winum. You agree that any funds deposited into your Account originate from a payment instrument or financial account registered in your own name and that you have full authority to use such payment methods. We reserve the right to require proof of ownership of your funding sources and to block deposits or withdrawals if we suspect that a payment method is being used fraudulently or in violation of these Terms. Deposits are typically credited to your Account promptly, but processing times may vary depending on the payment provider, banking systems, and any necessary security checks. We do not guarantee that deposit or withdrawal transactions will be processed within a specific timeframe, and we will not be liable for delays caused by third-party financial institutions, payment processors, or technical interruptions.

Withdrawals are subject to verification procedures, including confirmation of your identity and the legitimacy of your funds. In certain circumstances, especially where large transactions are involved or irregular behavior is detected, we may perform enhanced due diligence before approving a withdrawal. We reserve the right to pay withdrawals back to the same method used to make deposits, where feasible, and to impose minimum and maximum withdrawal limits per transaction, per day, or per month, which we may modify from time to time. Fees or currency conversion charges may be applied by your bank or payment provider, and you agree that we are not responsible for such third-party charges. You acknowledge that chargebacks, payment disputes, and reversals may result in suspension or termination of your Account, and we may recover any associated costs or losses from your balance where permitted by law.

Player funds held in your Account are used exclusively for the purpose of wagering within the Services and related activities such as payment of fees and charges. You understand that interest is not payable on any funds held in your Account, regardless of the duration. If your Account remains inactive or dormant for an extended period, defined in our policies or by applicable law, we may charge a reasonable administrative fee or take steps required by regulation, such as escheating unclaimed funds to the relevant authority. You are responsible for ensuring that all transaction details provided are correct, and we will not be responsible for any losses arising from your errors in entering payment information. We reserve the right to report any suspicious or potentially unlawful financial activity to relevant authorities and to freeze funds pending investigation in accordance with anti-money laundering (AML) and counter-terrorist financing (CTF) laws.

Payment Methods Table

Bonuses & Promotions

From time to time, Winum may offer bonuses, free spins, promotional credits, loyalty rewards, tournaments, or other incentives (collectively, “Promotions”) to eligible players. Each Promotion will be governed by these Terms in conjunction with specific promotional rules and conditions, which will be clearly presented on the promotional page, in marketing communications, or within your Account interface. By claiming or participating in any Promotion, you agree to abide by all applicable conditions, including wagering requirements, time limitations, game restrictions, and maximum bet limits associated with bonus funds. Failure to comply with promotional conditions may result in forfeiture of bonus funds and any winnings derived therefrom, as well as potential restriction of your eligibility for future Promotions. Promotions are intended for recreational players using a single account, and any attempt to exploit or abuse promotional offers, such as through multiple account registrations, collusion, or automated play, is strictly prohibited.

Bonuses and promotional credits cannot generally be withdrawn immediately and are subject to wagering requirements, meaning you must wager a specified multiple of the bonus amount or combined deposit and bonus before any associated winnings become withdrawable. The specific wagering requirement and contributing games will be listed in the terms of each Promotion, and different games may contribute differently or not at all toward fulfilling wagering conditions. You are responsible for reviewing all promotional details before opting in or placing a qualifying deposit, as participation in a Promotion implies acceptance of its rules. We reserve the right to modify, suspend, or cancel any Promotion at our discretion, including for technical reasons, regulatory changes, or suspected misuse, provided that any changes are made in accordance with applicable law. In cases where we reasonably believe that you have engaged in bonus abuse, we may remove bonus funds, adjust balances, and close your Account where justified by the evidence and regulations.

Eligibility for Promotions may be limited based on various factors, including your jurisdiction, activity history, responsible gaming status, or previous promotional participation. Some Promotions may require explicit opt-in, entry codes, or minimum deposit thresholds, and failure to meet such requirements may render you ineligible for the benefit in question. Promotional communications sent via email, SMS, or push notifications are for information only and do not guarantee participation unless the underlying conditions are satisfied. If you self-exclude, use cooling-off tools, or otherwise restrict your access to the Services for responsible gambling reasons, you may be excluded from ongoing or future Promotions to protect your well-being. Our decisions regarding Promotion eligibility, bonus allocation, and compliance with promotional terms are final, subject to your right to lodge a complaint or dispute as detailed in the Complaints & Dispute Resolution section.

Game Rules

All games made available through the Services, including but not limited to slots, table games, live dealer games, and any other interactive gambling products, are subject to specific game rules that govern how each game is played. These game rules may be provided within the game interface, on dedicated rules pages, or via informational pop-ups, and you are responsible for reviewing and understanding them before placing any real-money wagers. By participating in a game, you acknowledge that you have read the relevant rules and agree to be bound by them, as well as by these Terms. The outcome of each game round is determined by the applicable rules, the random number generator (RNG) where relevant, and any other technical mechanisms disclosed by us or our approved game providers. We make reasonable efforts to ensure that all game information, including pay tables, jackpot descriptions, and bonus features, is accurate and up to date; however, in the event of any discrepancy between the displayed information and the official rules, the official rules shall prevail.

You agree that you will not attempt to manipulate the game rules, exploit software errors, or gain unfair advantage in any game. Any perceived or actual error, malfunction, or interruption of a game must be reported to us immediately, and you must refrain from further play that could be affected by such issue until it is resolved. If a game round is interrupted due to technical problems, such as server failures or connection issues, the result may be voided or restored based on the logs and data maintained by us and our providers, consistent with applicable regulatory standards. We reserve the right, at our discretion and in consultation with relevant regulators if applicable, to void game rounds and return stakes where a material malfunction or fault has occurred. Your participation in games is at your own risk, and you acknowledge that you may lose money as a result of wagers placed in accordance with game rules.

Certain games or game types may be unavailable in specific jurisdictions due to legal, regulatory, or licensing restrictions. It is your responsibility to comply with local laws and to refrain from accessing games that are prohibited in your location. We may use geolocation technologies or other checks to determine your location and restrict access accordingly; however, these are not infallible, and you must not attempt to circumvent them. If we detect that you have accessed games from a restricted area, we may void wagers, withhold winnings, and close your Account where required by law or deemed necessary for compliance. By using the game services, you accept that the gaming content offered, including odds, pay tables, and prize structures, may change from time to time without prior notice, provided that such changes do not adversely affect bets already placed.

Fair Play & RNG

Winum is committed to maintaining a fair and transparent gaming environment in which all players have an equal opportunity to win based on genuine randomness and published pay tables or odds. For games that rely on random outcomes, we utilize an independently tested and certified random number generator (RNG) or rely on trusted third-party game providers who employ equivalent technology. The RNG ensures that each outcome is random, unpredictable, and statistically independent from previous results, thereby replicating the conditions of fair physical gaming. Independent testing laboratories, accredited in accordance with relevant standards, periodically review and certify the RNG and game mathematics to confirm compliance with industry norms and regulatory requirements. Summaries of testing certificates or certifications may be made available upon request or via dedicated links on the website, subject to any confidentiality obligations.

Any attempt to manipulate game outcomes, interfere with the RNG, or exploit loopholes in game logic is strictly forbidden and will be treated as a material breach of these Terms. If we identify or reasonably suspect that a game has produced incorrect outcomes due to malfunction, tampering, or technical fault, we reserve the right to void impacted wagers, withdraw incorrectly credited winnings, and restore affected balances to their rightful state. Our game logs and transactional data will be considered the definitive record of all gameplay, bets, and outcomes, and they may be used to resolve disputes or complaints arising from alleged irregularities. We may also cooperate with third-party investigators, regulators, and law enforcement agencies in examining suspicious behavior, collusion, or fraud involving the gaming systems. Where necessary to preserve fairness and integrity, we may suspend access to one or more games, disable specific features, or temporarily withhold payouts pending investigation.

You understand that the results of games are driven by chance and that no strategy, system, or pattern of play can influence or guarantee outcomes in RNG-based games. Claims of “certain wins,” guaranteed methods, or insider techniques are misleading and often indicative of fraudulent schemes. You agree not to rely on such claims and to recognize that gambling inherently involves risk, including the possibility of losing deposited funds. We strongly encourage you to play within your means, to treat gambling as entertainment rather than a source of income, and to make use of the responsible gambling tools described in these Terms. By participating in the Services, you accept that the element of chance is central to the experience and that perceived winning or losing streaks do not alter the fundamental randomness of the games.

Responsible Gambling

Winum is firmly committed to promoting responsible gambling and providing a safe environment in which players can enjoy our Services without compromising their financial, emotional, or social well-being. We recognize that, while most players participate for entertainment, a minority may experience difficulties, including loss of control over gambling behavior or development of gambling-related problems. Our responsible gambling framework is designed to give you the tools, information, and support needed to manage your activity, set personal limits, and seek help when necessary. We encourage all players to periodically review their gambling habits, including time spent, money wagered, and emotional responses, in order to detect any early warning signs of problematic behavior. These signs may include chasing losses, hiding gambling from family or friends, neglecting work or personal responsibilities, or using gambling as an escape from stress, anxiety, or depression.

Under no circumstances should gambling be viewed as a solution to financial difficulties, a source of regular income, or a way to repay debts. You should only gamble with money that you can afford to lose, and you are responsible for maintaining awareness of your spending and losses at all times. We provide a variety of responsible gambling tools, such as deposit limits, loss limits, session reminders, cooling-off periods, and self-exclusion options, to help you control your play. Activation of these tools may impose restrictions on your Account usage, availability of certain Promotions, or access to some Services, which we consider necessary for your protection. If you feel that your gambling is no longer under control, we strongly recommend that you immediately utilize the available tools, cease gambling, and contact professional support services as outlined in the Support Resources section.

We take the protection of young people very seriously, as underage individuals are particularly vulnerable to the risks associated with gambling. Exposure to gambling content can normalize betting behavior, and early engagement may increase the likelihood of developing problematic patterns later in life. For this reason, we strictly prohibit minors from using the Services and implement measures such as age verification checks, self-exclusion integration, and reminders about the 18+ limitation across the platform. Parents and guardians should be aware that devices shared with minors need robust safeguards, including parental controls and password protection, to avoid unsupervised access. We will take all reasonable steps to identify and prevent underage use, but we rely on your cooperation in keeping login credentials secure and reporting any suspected cases of minor participation.

Tools & Features (table)

Support Resources

If you are concerned about your gambling or that of someone close to you, we encourage you to seek support from independent professional organizations and helplines that specialize in problem gambling. These organizations can provide confidential counseling, self-assessment tools, educational materials, and in some cases, referral to in-person treatment or support groups. Examples of such resources include nationally or regionally recognized gambling support hotlines, online counseling services, and community-based programs dedicated to gambling addiction. You may find links or contact details for such organizations on our Responsible Gambling pages, within account settings, or via direct request to our customer support team. While we do not control or endorse the specific services offered by third-party organizations, we provide references as a public service to help you access specialized assistance.

Our customer support staff receive training to recognize signs of problematic gambling behavior and to respond with empathy, discretion, and practical guidance. If you disclose to us that you are struggling with gambling, we may suggest activation of self-exclusion, deposit limits, or other safeguards, and we will provide information on external resources where appropriate. We may, in some cases, apply responsible gambling measures to your Account proactively if we observe patterns of play that raise serious concerns, though such interventions do not imply any admission of liability on our part. We encourage open communication and invite you to contact us at any time if you have questions about managing your play, understanding the tools available, or locating support organizations. Ultimately, while we strive to create a safer environment, you remain responsible for your gambling behavior, and professional counseling may be essential for addressing deeper underlying issues.

Prohibited Activities

You agree that you will not use the Services for any unlawful, fraudulent, or improper purpose and that you will comply with all applicable laws and regulations in your jurisdiction. Prohibited activities include, but are not limited to, money laundering, terrorist financing, fraud, collusion, match-fixing, identity theft, and use of stolen or unauthorized payment methods. You are forbidden from using automated tools, robots, or scripts to interact with the Services, as well as from exploiting software bugs, loopholes, or system vulnerabilities for financial gain or any other advantage. Sharing your Account with others, acting as an intermediary or agent for third parties, or participating in any form of organized betting syndicate that seeks to manipulate game outcomes or promotions is also prohibited. Any communication or conduct that is abusive, harassing, defamatory, or otherwise harmful toward other players or staff members is strictly unacceptable and may lead to immediate suspension or closure of your Account.

You must not interfere with the normal operation of the Services by attempting to hack, attack, or disrupt servers, networks, or other infrastructure, nor may you introduce malicious software such as viruses, trojans, or malware. Any unauthorized access to or copying of our software, databases, or intellectual property is prohibited. Where we have reason to believe that prohibited activities have occurred, we may freeze your Account balance, void wagers, cancel winnings, and report the matter to relevant regulatory and law enforcement agencies. We reserve the right to withhold any payments or refunds where we suspect or confirm that funds are associated with unlawful behavior, subject to our legal obligations. You agree to cooperate with any investigation carried out by us, regulators, or law enforcement, including by providing requested information and documentation.

We may, at our discretion, apply additional monitoring to your Account if we detect unusual patterns of play, inconsistent information, or transactions that may indicate prohibited activities. These measures may include transaction reviews, gameplay pattern analysis, enhanced due diligence checks, and temporary suspension of access pending conclusion of inquiries. Our determination of whether a specific behavior constitutes prohibited activity will be based on available evidence, applicable regulations, and internal policies, and we will act in good faith in making such assessments. If you disagree with our findings or actions, you may file a complaint following the procedures outlined in the Complaints & Dispute Resolution section. Nothing in these Terms limits our right to take civil action or to seek legal remedies against any individual engaged in prohibited conduct.

Restricted Countries (table)

Certain jurisdictions prohibit or regulate online gambling in ways that prevent us from legally offering the Services to residents or individuals located within their borders. We therefore restrict or block access from specific countries or territories in compliance with applicable laws, licensing conditions, or risk assessments. It is your responsibility to ensure that you are allowed to use the Services under the laws of your country or state of residence and location. If you are located in or a resident of a restricted country, you are not permitted to register, deposit, wager, or otherwise use the Services. Any attempt to circumvent country restrictions, such as by using a virtual private network (VPN), proxy server, or false address information, constitutes a serious breach of these Terms and may result in account closure and forfeiture of funds as allowed by law.

The table below provides a non-exhaustive example of restricted countries or territories. This list is illustrative only and may not reflect all regions where our Services are restricted at any given time. We reserve the right to modify, expand, or reduce the list of restricted countries at our sole discretion and without prior notice, subject to applicable legal and regulatory requirements.

If it is determined that you have registered from or used the Services while located in a restricted country, we may, to the extent permitted by law, void your wagers, confiscate winnings, and close your Account. Any remaining funds may be treated in accordance with applicable legal obligations, which can include returning deposits where lawful or transferring funds to regulatory bodies. We are not responsible for any losses, penalties, or legal consequences you may incur by violating local laws or attempting to use the Services from a prohibited jurisdiction. Use of the Services in contravention of regional restrictions takes place entirely at your own risk and may expose you to civil or criminal liability in your jurisdiction.

Privacy & Data Protection

We respect your privacy and are committed to protecting your personal information in accordance with applicable data protection and privacy laws. When you register for an Account or use the Services, we may collect personal data such as your name, contact details, date of birth, identification numbers, payment information, device identifiers, geolocation data, and usage patterns. This information is used for purposes including account administration, payment processing, responsible gambling measures, fraud prevention, compliance with legal obligations, and personalized service offerings. Our detailed practices regarding data collection, use, retention, security, and sharing with third parties are described in our separate Privacy Policy, which forms an integral part of these Terms. By using the Services, you consent to the processing of your personal data as outlined in the Privacy Policy and any additional notices displayed at the point of data collection.

We implement technical and organizational measures designed to safeguard your personal data against unauthorized access, alteration, disclosure, or destruction. These measures may include encryption, access controls, security monitoring, firewalls, and secure data centers. While we strive to employ reasonable security practices, no system can be guaranteed entirely secure, and you acknowledge that transmission of information via the internet carries inherent risks. You are responsible for maintaining the confidentiality of your login credentials, and you must notify us immediately if you suspect that your Account has been compromised or that unauthorized access has occurred. We will not be liable for any loss or damage arising from your failure to protect your Account information or comply with recommended security practices.

We may share your personal data with third-party service providers, such as payment processors, identity verification companies, data analytics providers, and game suppliers, solely for legitimate business purposes and in accordance with applicable laws. Where required by law or regulation, we may also disclose personal data to regulatory authorities, law enforcement agencies, courts, or other public bodies. If we transfer personal data across borders, we will do so under appropriate safeguards or legal mechanisms that ensure an adequate level of protection. You may have certain rights with respect to your personal data, such as the right to access, correct, or delete information, subject to legal and regulatory limitations. Requests to exercise these rights can be made through the channels specified in our Privacy Policy, and we will respond in a timely manner consistent with our legal obligations.

Account Suspension & Termination

We reserve the right to suspend or terminate your Account, in whole or in part, at our sole discretion where we have reason to believe that you have breached these Terms, engaged in prohibited activities, or violated any applicable law or regulation. Suspension may involve temporary restriction of access to the Services, prevention of deposits or withdrawals, or limitation of participation in certain games or Promotions. Termination generally involves closure of your Account, revocation of access rights, and potential disposition of your funds in accordance with legal and regulatory requirements. Grounds for suspension or termination include, but are not limited to, providing false or misleading information, failing identity verification checks, misuse of promotions, evidence of fraud or collusion, or use of the Services from a restricted jurisdiction. We may also suspend or terminate Accounts as part of compliance with court orders, regulatory directives, or other legal obligations.

If we decide to suspend or terminate your Account, we will, where reasonably possible and lawful, notify you of the decision and the underlying reasons. However, we may be restricted from providing detailed explanations in situations involving ongoing investigations, anti-money laundering requirements, or legal constraints. During suspension, funds in your Account may be frozen pending the outcome of any investigation, and withdrawals may be delayed or declined. Following termination, any remaining funds will be handled as required by law, which may include returning legitimate balances to verified payment methods or holding them subject to instruction from competent authorities. You remain responsible for all activity on your Account prior to suspension or termination and for any outstanding obligations under these Terms, including any debts or liabilities to us.

You may request closure of your Account at any time by contacting customer support, subject to completion of any outstanding verification or security procedures. Account closure will not affect your liability for any actions taken prior to the closure date, and you must ensure that any remaining balances are withdrawn in accordance with our withdrawal procedures, unless legal or regulatory obligations require a different course of action. If you have activated self-exclusion or other responsible gambling tools, your Account may remain technically open for administrative purposes but inaccessible for gambling activities for the duration of the exclusion. We may retain records of your Account history, transactions, and communications for the period required by applicable laws, even after closure or termination, primarily for regulatory compliance, fraud prevention, and dispute resolution.

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, punitive, or exemplary damages arising out of or in connection with your use of the Services. This includes, without limitation, damages for loss of profits, loss of data, loss of goodwill, or interruption of business, whether based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages. Our total aggregate liability to you for any and all claims arising from or relating to the Services or these Terms shall not exceed the lesser of the total amount you have deposited into your Account over the six (6) months preceding the event giving rise to the claim or an amount determined by applicable law. You acknowledge that the Services are provided on an “as is” and “as available” basis, and we do not warrant that they will be uninterrupted, error-free, or free from viruses or other harmful components.

We are not responsible for any failure or delay in performing our obligations under these Terms where such failure or delay results from events beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, power failures, telecommunications breakdowns, or failures of third-party systems. You bear sole responsibility for the adequacy of the internet connection, hardware, and software you use to access the Services, and we will not be liable for any incompatibility or technical problems on your side. You accept that gambling involves financial risk and that you may lose money when wagering on games, and you agree that such losses are not recoverable from us except in cases where a game outcome is clearly attributable to a verified malfunction that we are responsible for and which we have not addressed in accordance with these Terms. Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law.

Complaints & Dispute Resolution

If you have a complaint regarding any aspect of the Services, including account management, transactions, game outcomes, bonuses, or perceived staff conduct, you should first contact our customer support team using the channels indicated on the website. When submitting a complaint, you should provide as much detail as possible, including your Account information, the date and time of the incident, relevant transaction or game identifiers, and a clear description of the issue. We will acknowledge receipt of your complaint within a reasonable timeframe and will aim to investigate and respond promptly, typically within a period specified in our internal procedures or regulatory obligations. During the investigation, we may request additional information or documentation from you to clarify the circumstances and to reach an informed decision. You agree to cooperate fully and to refrain from taking any action that might compromise the investigation, such as deleting communication records or tampering with device data.

If you are not satisfied with our initial response, you may request that the complaint be escalated to a higher level of review within our organization. We will then conduct a further assessment, which may involve consulting technical teams, reviewing system logs, and verifying compliance with both internal policies and applicable regulations. Our final position will be communicated to you in writing, setting out the outcome of the investigation and any remedial steps or explanations deemed appropriate. Where available and relevant, we may inform you of independent dispute resolution mechanisms or alternative dispute resolution (ADR) bodies that you may contact if you remain dissatisfied with our handling of your complaint. Access to ADR or other external bodies may be subject to eligibility criteria, time limits, or jurisdictional restrictions.

You agree that you will not file chargebacks, payment disputes, or initiate external legal proceedings in relation to a complaint without first giving us a reasonable opportunity to resolve the matter internally. Doing so may delay resolution and could be interpreted as breach of these Terms, especially if the underlying issues could have been resolved through our complaints process. Nothing in this section, however, limits your legal rights under applicable law or your ability to pursue remedies through competent courts where ADR is not mandatory or has been exhausted. Any disputes arising out of or in connection with these Terms or your use of the Services shall be resolved in accordance with the Governing Law section below, subject to mandatory provisions of local law that may apply to you. Our records, including transaction logs, game histories, and communication records, shall be considered authoritative in resolving disputes, unless you can demonstrate that they are manifestly inaccurate or incomplete.

Governing Law

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter or formation, shall be governed by and construed in accordance with the laws specified on the website or platform at the time of your registration, without giving effect to any principles of conflicts of laws. By using the Services, you agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Services shall be brought exclusively before the competent courts of the jurisdiction designated on the website, except where mandatory law provides otherwise. You waive any objection to the venue or jurisdiction of such courts, including any claim that such forum is inconvenient, to the maximum extent permitted by law. This governing law provision does not affect any consumer protection rights you may have under the laws of your place of residence where such rights are mandatory and cannot be waived by contract.

If any provision of these Terms is held to be invalid or unenforceable by a court or competent authority, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision under these Terms shall not constitute a waiver of such right or provision. Any waiver of rights must be given in writing and signed or otherwise formally authorized by us 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 filed within the period specified by applicable limitation laws, after which such claim or cause of action will be permanently barred.

Final Provisions

These Terms constitute the entire agreement between you and Winum concerning your use of the Services and supersede all prior or contemporaneous agreements, understandings, representations, or communications, whether written or oral, relating to the same subject matter. You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent, and any attempt to do so will be null and void. We may assign or transfer our rights and obligations under these Terms, in whole or in part, to an affiliate, successor entity, or third party in connection with mergers, acquisitions, corporate reorganizations, or other business transactions, provided that such assignment does not materially reduce the level of protection afforded to you under these Terms. Any headings used in these Terms are for convenience only and shall not affect the interpretation of the provisions.

If we provide translations of these Terms or other policies into languages other than English, such translations are provided for convenience only, and the English-language version will prevail in the event of any conflict or inconsistency. We may, at our sole discretion, modify, update, or replace these Terms from time to time by posting the revised version on the website or within the Services. Unless otherwise stated, changes will take effect upon publication, and your continued use of the Services after such changes take effect will constitute your acceptance of the updated Terms. If you do not agree with the revised Terms, you must cease using the Services and, if applicable, request closure of your Account.

Your continued use of the Services signifies that you have read, understood, and agree to be bound by these Terms & Conditions, as well as by all referenced policies and regulations. We strongly encourage you to retain a copy of these Terms for your records and to review them periodically, particularly if you access the Services from new devices or platforms, such as any future Winum iPhone app. By proceeding to use the Services, you acknowledge that gambling is strictly for individuals aged 18 and older, that you understand the risks involved, and that you agree to use the Services in a responsible and lawful manner at all times.