Introduction

These Terms and Conditions (the “Terms”) constitute a legally binding agreement between you and Winum (“Winum,” “we,” “us,” or “our”) governing your access to and use of the online gaming services, products, software, and related content (collectively, the “Services”) provided through our website and any associated mobile or desktop applications, including any Winum download apk or Winum casino apk offered or referenced by us. By accessing, registering for, or using the Services, you acknowledge that you have read, understood, and agreed to be bound in full by these Terms, together with our Privacy Policy, Responsible Gambling Policy, Bonus Terms, and any other applicable policies or rules we may publish from time to time. These Terms apply to all forms of interaction with the Services, including real-money play, demo play, promotions, and communications with our support channels. If you do not agree with any provision in these Terms, you must not use or continue to use the Services in any way. It is solely your responsibility to review these Terms periodically, as we may update or amend them at our discretion in order to ensure ongoing legal compliance, responsible gaming alignment, and operational clarity. Your continued use of the Services following any changes to the Terms will be deemed acceptance of the revised version and will bind you to the updated conditions.

The primary purpose of these Terms is to promote a safe, fair, transparent, and responsible gaming environment for all eligible users of Winum. We take legal compliance very seriously and have designed these Terms to align with widely recognized standards of online gambling regulation, consumer protection, and data security to the greatest extent reasonably possible under the laws applicable to our operations. A key objective of this document is to inform you of your rights and responsibilities as a player, including important eligibility rules, deposit and withdrawal procedures, bonus conditions, and rules related to account security and prohibited activities. Equally important, these Terms highlight our strong commitment to responsible gambling, including the availability of tools and resources to help you manage your play and avoid excessive or harmful gambling behavior. We explicitly prohibit underage gambling, fraud, and any form of misuse of the Services, and we retain broad rights to monitor, suspend, or terminate accounts in line with these obligations. By continuing to access and use the Services, you confirm that you understand and accept these objectives and agree to use Winum in a lawful, honest, and responsible manner.

Acceptance of Terms

By creating an account, logging in, placing bets, making deposits or withdrawals, participating in bonuses or promotions, using a Winum download apk or Winum casino apk, or accessing any part of the Services in any way, you expressly acknowledge and agree to be bound by these Terms. Acceptance of the Terms is a condition precedent for the lawful use of the Services, and any use without such acceptance is unauthorized and may result in immediate suspension or termination of access. You agree that you will not contest the validity or enforceability of these Terms on the ground that they were provided in electronic form, and you consent to the use of electronic records and signatures for all interactions and agreements with us. If you do not agree with any provision in these Terms, or if any such provision is not permitted under the laws applicable to you, you must cease use of the Services immediately and refrain from registering, depositing, wagering, or otherwise participating in any aspect of Winum. It is your responsibility to review these Terms before each use of the Services, as we may change, amend, or update them at any time, and such updates will become effective as soon as they are posted on the website or otherwise communicated to you.

Winum reserves the right to modify, suspend, or discontinue any part of the Services, or to introduce new limitations, conditions, or requirements, at any time and without prior notice, where necessary for legal, regulatory, technical, or operational reasons. Where required by applicable law, we will provide prior notice of material changes and may request renewed confirmation of your acceptance. Should you disagree with any modifications to these Terms or any associated policies, your sole remedy is to discontinue use of the Services and close your account in accordance with the procedures outlined herein. Your continued use of the Services after changes have been implemented will be regarded as conclusive acceptance of the revised Terms. You acknowledge that it is your duty to maintain familiarity with the current version of the Terms and that ignorance of any change does not excuse compliance. These Terms supersede any prior understandings, representations, or agreements between you and Winum regarding the Services, whether written or oral.

Eligibility & Age Restriction (18+ only)

Use of the Services is strictly limited to individuals who are at least 18 years of age or the higher minimum legal age for gambling in their jurisdiction of residence, whichever is greater. By registering for an account or using the Services, you represent and warrant that you meet this age requirement and that you have full legal capacity to enter into this agreement under the laws applicable to you. Underage gambling is expressly prohibited, and Winum will take all reasonable measures to prevent access by minors, including identity verification checks, documentation requests, and ongoing monitoring for indicators of underage activity. If we discover or reasonably suspect that you are under 18 or otherwise ineligible, we will immediately suspend or close your account, void any wagers, and may withhold or return any funds in accordance with our legal obligations and internal policies. Parents, guardians, and responsible adults are strongly encouraged to monitor the use of devices and payment instruments to ensure that minors do not gain unauthorized access to the Services.

We highlight that gambling can pose particular risks to young people and vulnerable individuals, who may be more susceptible to impulsive decisions, excessive play, and negative financial or emotional consequences. For this reason, Winum implements rigorous age verification procedures and supports the use of parental control software and content filters designed to block access to gambling websites and applications by minors. You agree not to assist any underage person to access the Services and not to share your login credentials, payment details, or devices in a way that could facilitate underage play. If you suspect that a minor is using our Services, you must notify us immediately so that we can investigate and take appropriate action. We may request proof of age and identity at any time, and failure to provide satisfactory documentation may result in account suspension or closure. By agreeing to these Terms, you reaffirm your understanding that Winum is for adults 18+ only and that any breach of this age restriction is a serious violation that may have legal consequences.

Account Registration

To participate in real-money gaming at Winum, you must complete the account registration process, providing accurate, current, and complete information as requested in our registration forms. You agree that you will supply your true identity, including your full legal name, date of birth, residential address, email address, phone number, and any other details required for identity verification, compliance, and security purposes. You further agree that you will promptly update your account information if any of it changes, ensuring that our records remain accurate and current at all times. Only one account is permitted per person, per household, per email address, per payment method, and per device, unless expressly authorized in writing by Winum; duplicate or multiple accounts may be closed, and any associated bonuses, winnings, or promotional benefits may be voided. In certain cases, we may require additional documentation to complete Know Your Customer (“KYC”) and Anti-Money Laundering (“AML”) checks, including government-issued identification, proof of address, proof of payment method ownership, and any other information reasonably necessary to confirm your eligibility.

You are solely responsible for maintaining the confidentiality and security of your username, password, and other login credentials, and for all activity conducted under your account. You agree that you will not share your account credentials with any third party, and you will not permit another person to access or use your account, regardless of their age or relationship to you. If you suspect that your account credentials have been compromised, or that unauthorized activity has occurred on your account, you must notify us immediately and change your password as soon as possible. Winum reserves the right to suspend or close any account where we suspect unauthorized use, fraud, or security breaches, and to request additional verification before restoring access. Registration and account maintenance may be refused, restricted, or terminated at our sole discretion, including where we believe that doing so is necessary to comply with legal obligations, protect the integrity of the Services, or uphold responsible gambling principles. By registering for an account, you agree that Winum may communicate with you electronically regarding account matters, legal notices, promotions, and responsible gambling information, in accordance with our Privacy Policy and applicable laws governing marketing communications.

Deposits & Withdrawals

Deposits into your Winum account must be made using payment methods that are registered in your own name and lawfully under your control, and you must ensure that the source of funds is legitimate and compliant with applicable laws, including AML regulations. When you initiate a deposit, you confirm that you have the legal right to use the payment method and that you are not depositing funds derived from any illegal activity, including fraud, money laundering, or unauthorized access to financial accounts. We may apply minimum and maximum deposit limits per transaction, per day, per week, or per month, and these limits may vary depending on your jurisdiction, payment method, and account status. Deposit transactions are considered completed when they are successfully processed by us and credited to your gaming balance; however, we do not guarantee that all deposit attempts will be successful, and we are not liable for delays or failures caused by third-party payment providers, financial institutions, or network issues. You understand that your bank, card issuer, e-wallet provider, or other payment intermediary may impose fees, currency conversion charges, or other costs on deposits or withdrawals, and you agree that such costs are your sole responsibility.

Withdrawals from your account are subject to verification checks, wagering requirements, and any applicable fees or limits as set out in these Terms and in our Withdrawal Policy. Before processing a withdrawal, Winum may require you to complete KYC procedures, including submission of identification documents, proof of address, and verification of your payment method, and we may withhold withdrawals pending satisfactory completion of these checks. We reserve the right to pay withdrawals using the same method and in the same proportion as your deposits, where feasible, and to adjust withdrawal methods or limits based on risk, regulatory, or operational considerations. In cases of suspected fraud, collusion, abuse of bonuses, chargebacks, or breaches of these Terms, we may suspend withdrawals and investigate your account, potentially freezing funds while we conduct our review. We may also impose transaction limits and time-based caps on withdrawals to support responsible gambling objectives and comply with financial regulations. By using the Services, you acknowledge that withdrawal times may vary, and that we are not responsible for delays attributable to third-party payment processors or banks.

Payment Methods Table

The payment methods listed in the table are illustrative and may not be available in all jurisdictions or at all times, and Winum reserves the right to add, modify, or remove methods as necessary. You must consult the Cashier or Banking section of the website or app for up-to-date information on available methods, applicable limits, and any associated fees. We may also require specific payment methods for certain promotions or for customers subject to enhanced due diligence, and you agree to comply with any such requirements. In cases where a chosen payment method does not support withdrawals, you may be required to select an alternative method and undergo additional verification to ensure that the new method is lawfully yours. If we refund any deposit that was the subject of a chargeback, dispute, or suspected fraud, we may recover any associated costs from your account and, if necessary, pursue legal remedies to reclaim losses arising from misuse of payment channels.

Bonuses & Promotions

Winum may, from time to time, offer bonuses, free spins, loyalty rewards, tournaments, and other promotional incentives (collectively, “Promotions”) subject to specific terms and conditions (“Bonus Terms”) that may be described on the relevant promotional page, in direct communications, or in separate policy documents. By participating in any Promotion, you agree to be bound not only by these general Terms but also by the applicable Bonus Terms, including wagering requirements, eligibility criteria, time limits, and game restrictions. Promotions are intended for recreational players and may not be used for systematic abuse, arbitrage, or guaranteed-profit strategies, and we reserve the right to restrict or deny bonuses to any customer where we suspect misuse, collusion, or professional advantage play. Wagering requirements specify the number of times you must wager bonus funds or bonus-derived winnings before they become withdrawable, and failure to satisfy these requirements within the specified time frame will typically result in forfeiture of the bonus and any related winnings. Certain games or bet types may contribute differently, or not at all, toward wagering requirements, and it is your responsibility to review the contribution tables and restrictions before committing to a Promotion.

Bonuses and Promotions may be limited by country, currency, payment method, or individual customer status, and we reserve the right to modify, suspend, or cancel any Promotion at any time where necessary for legal, technical, or operational reasons. We may impose maximum bet limits while a bonus is active, cap the maximum amount of winnings that can be converted from bonus funds, or restrict withdrawal of deposits that are tied to active bonus obligations. Any attempt to exploit Promotions, including but not limited to using multiple accounts, acting in collusion with other players, or adopting low-risk betting patterns solely to clear bonuses, may result in forfeiture of bonuses and winnings, account closure, and refusal of future Promotions. You understand that Promotions are a privilege, not a right, and that Winum has broad discretion in granting, withholding, or rescinding promotional benefits. If you do not agree with the Bonus Terms of a given Promotion, or if you do not wish to receive promotional offers, you may opt out through your account settings or by contacting customer support, subject to applicable laws on marketing communications and consent.

Game Rules

Each game offered through the Services, whether slot, table game, live dealer, or other form of interactive entertainment, is subject to its own specific rules, payout tables, and functionalities (collectively, “Game Rules”) that govern how the game is played and how outcomes are determined. You agree that it is your responsibility to read, understand, and abide by the Game Rules before placing any real-money wagers, and you acknowledge that failure to do so may result in unintended losses or misunderstandings for which Winum is not liable. Game Rules are typically accessible through in-game help menus, information icons, or dedicated rule pages, and may include details such as minimum and maximum bets, win conditions, special feature triggers, payout multipliers, and return-to-player (RTP) percentages. In case of any discrepancy between the information displayed on your screen and our backend game data or official Game Rules, the latter will prevail, and we will use our best efforts to ensure that any technical or display errors do not unfairly disadvantage you. We reserve the right to modify, remove, or suspend games at any time for regulatory, technical, or business reasons and, unless otherwise required by law, we are not obligated to continue offering any particular game indefinitely.

If a game malfunctions or experiences a technical failure during play, all affected bets may be voided at our discretion, and where appropriate, stakes may be refunded to your account while any winnings that resulted directly from the malfunction may be deemed invalid. We may also temporarily disable certain features or suspend access to specific games while we investigate reported issues or implement updates, and during such periods, game outcomes will not be considered valid for the purpose of establishing wins or losses. Collusion, the use of unfair external assistance, the exploitation of software bugs, or any attempt to manipulate game behavior or outcomes is strictly prohibited and may result in the forfeiture of winnings, suspension or closure of your account, and reporting of the incident to relevant authorities. Some games may not be available in certain jurisdictions due to legal restrictions or licensing limitations, and you are responsible for ensuring that your use of any game is lawful in your location. You agree to use the games solely for personal entertainment purposes, not as a means of generating guaranteed income or financial security, and to recognize that all gaming involves risk, including the loss of wagers.

Fair Play & RNG

Winum is committed to providing a fair, transparent, and reliable gaming experience, and we therefore rely on certified Random Number Generator (“RNG”) technology to determine the outcomes of applicable games. The RNG is designed to produce random and unpredictable results that are not influenced by player actions, historical outcomes, or external interventions, ensuring that each spin, card draw, or game event is independent and fair within the statistical parameters of the game. Where games are provided by third-party software suppliers, those suppliers are required to meet comparable standards of fairness and to subject their RNG implementations to independent testing and regular auditing by recognized testing laboratories, where applicable. We may periodically review, audit, and update our RNG systems and integrations to maintain high standards of fairness, security, and compliance with evolving industry best practices. Information on RTP percentages and game fairness may be made available in game descriptions or upon request, subject to the technical capabilities of each game provider.

You acknowledge that, because the outcomes of games are determined by random processes, there is no legitimate strategy that can guarantee consistent winnings, and no pattern or past result can influence future game outcomes. Any individual or entity claiming to possess a guaranteed winning system, exploit, or pattern for our games is misleading you, and any attempt to use automated tools, scripts, bots, or other methods to manipulate or predict outcomes is a violation of these Terms. We may use specialized tools to detect irregular betting patterns, unusual gameplay behavior, or potential collusion among players, and we reserve the right to withhold winnings, void bets, or close accounts where we reasonably suspect unfair practices. In the case of live dealer games, the results are determined by the physical actions of professional dealers and game equipment, and we employ rigorous security and monitoring practices to ensure fairness and integrity. You agree that decisions made by Winum, based on our records and logs, regarding game outcomes, malfunctions, or suspected abuse are final and binding, except where a clear and verifiable error is demonstrated.

Responsible Gambling

Winum is firmly committed to promoting responsible gambling and to providing tools, resources, and safeguards that help players manage their gaming behavior and avoid harmful consequences. Gambling should always be treated as a form of entertainment, not as a source of income or a way to resolve financial problems, and we strongly encourage you to set sensible limits on the time and money you spend using the Services. We recognize that some individuals may be at risk of developing gambling-related problems, and we aim to identify and support such players through self-help tools, informational materials, and referral to professional support organizations where appropriate. Our responsible gambling framework emphasizes transparency, informed decision-making, and proactive player control, empowering you to set limits, self-exclude, or take breaks whenever you feel that your gambling is no longer under control or is causing distress. You acknowledge that, while Winum provides these tools and resources, ultimate responsibility for managing your gambling behavior and seeking help rests with you.

Winum integrates responsible gambling considerations into many aspects of our operations, including account registration, marketing communications, customer support interactions, and game design features where possible. We may display reminders about responsible play, provide information on the risks of excessive gambling, and make it straightforward for you to access limit-setting or exclusion options through your account settings or by contacting support. In some circumstances, our team may proactively reach out to you if we observe behavior that could be indicative of problem gambling, such as frequent deposits, long play sessions, or attempts to override limits, and we may suggest or impose certain protective measures in your best interest. Under no circumstances may you attempt to circumvent responsible gambling tools you have chosen to enable, including by opening new accounts, providing false data, or requesting the removal of limits before their expiry; such actions are serious violations of these Terms and may result in account closure. By continuing to use the Services, you confirm your understanding that gambling carries risk and that responsible gambling tools are provided as support mechanisms, not as guarantees of safety.

Tools & Features (table)

The tools and features listed in the table are subject to availability by jurisdiction, technical capabilities, and regulatory requirements, and Winum reserves the right to modify, enhance, or remove tools as necessary. When you set or change limits, certain adjustments—especially increases—may not take effect immediately and may be subject to a cooling-off period to ensure that changes are made thoughtfully and not impulsively. You agree to use these tools honestly and not to attempt to bypass or undermine their operation, including by creating multiple accounts or editing personal data to access restricted features. If you encounter any difficulty using responsible gambling tools or believe that your settings are not being properly enforced, you must contact customer support without delay so that we can investigate and address the issue. Winum does not accept liability for losses incurred after you attempt to circumvent responsible gambling features you have set for yourself, as such actions represent a breach of these Terms and undermine the protective purpose of the tools.

Support Resources

If you feel that your gambling may be becoming problematic, or if you are concerned about the gambling behavior of a friend or family member, we strongly encourage you to seek support from professional organizations that specialize in gambling-related issues. These organizations may offer confidential counseling, support groups, self-assessment tools, educational materials, and referrals to treatment providers, and many can be accessed online or via telephone hotlines. Examples include national or regional problem gambling helplines, counseling networks for addiction, and online support communities dedicated to gambling recovery. You can also find independent information and self-help resources through public health agencies and mental health organizations that address addiction and behavioral health. While Winum is not affiliated with and does not control these external organizations, we believe that they provide valuable support and we recommend that you consult them if you are experiencing harm.

In addition to referring you to external resources, our customer support team may be able to provide information about responsible gambling tools, explain how to set limits or self-exclude, and discuss options if you are worried about your level of play. However, our staff are not licensed therapists or medical professionals, and their guidance should not be considered a substitute for professional counseling or treatment. If you disclose that you are experiencing harm due to gambling, we may recommend that you implement stricter account controls, such as self-exclusion, and in some cases, we may enforce protective measures where we reasonably believe that continued gambling would be detrimental to you. You agree that, if you are under any form of financial, psychological, or medical distress related to gambling, you will seek assistance from qualified professionals in addition to, or instead of, relying on our Services or staff for support. By using Winum, you acknowledge that gambling carries risks and that timely engagement with support resources can be crucial to preventing or mitigating serious harm.

Prohibited Activities

Your use of the Services must comply with all applicable laws, regulations, and these Terms, and certain activities are strictly prohibited in order to protect the integrity, safety, and fairness of Winum. You may not engage in any form of fraud, money laundering, or other unlawful conduct, including but not limited to using stolen payment methods, using the Services as a conduit for illicit funds, or attempting to disguise the origin of funds deposited or withdrawn. You must not interfere with or attempt to manipulate the operation of the Services or any game, including by using bots, scripts, automated betting tools, scraping tools, or any other software not provided or authorized by Winum. Collusion between players, including sharing of information, coordinated betting strategies intended to exploit game mechanics or Promotions, or any other cooperative behavior that undermines fair competition, is strictly forbidden. You are also prohibited from reverse engineering, decompiling, or otherwise analyzing the source code or structure of the software or from accessing the Services in any manner that bypasses or circumvents our security measures.

In addition, you may not sell, transfer, or assign your account, your login credentials, or any associated rights or balances to any third party, nor may you use another person’s account, regardless of their consent. You must not use the Services to transmit, distribute, or store any harmful, offensive, or illegal content, including but not limited to malware, hate speech, or materials that infringe third-party intellectual property rights. Any unauthorized advertising, spamming, or solicitation of other players through the platform is likewise prohibited. We reserve the right to investigate suspected violations of these prohibitions and to take any action we deem appropriate, including reporting incidents to law enforcement or regulatory authorities, freezing or confiscating funds, and closing or restricting accounts. By using the Services, you agree to fully cooperate with any investigation and to provide any information we reasonably request to assess compliance with these Terms and with applicable law.

Restricted Countries (table)

Winum may restrict access to the Services from certain jurisdictions due to legal, regulatory, or commercial reasons. The following table illustrates examples of country categories that may be restricted; this list is not exhaustive, and availability may change over time:

It is your sole responsibility to determine whether your use of the Services is legal under the laws of your jurisdiction, and you must not access the Services if such use is unlawful or restricted for any reason. By registering and using Winum, you represent and warrant that you are not located in a restricted jurisdiction and that you will not use tools such as VPNs, proxies, or other technologies to obscure or falsify your location in order to circumvent geographic restrictions. We may use a variety of methods, including IP address checks and documentation requests, to verify your location and to enforce our jurisdictional policies, and we reserve the right to suspend or close accounts that appear to be in breach of these restrictions. If we discover that you have accessed the Services from a restricted jurisdiction, we may void bets, cancel winnings, and return or withhold funds in accordance with applicable law and our internal risk policies. Because restricted country lists and regulations can change, we recommend that you periodically review our terms and location notices, and seek independent legal advice if you are uncertain about the legality of online gambling in your area.

Privacy & Data Protection

Winum is committed to protecting your privacy and handling your personal data in accordance with applicable data protection laws and our Privacy Policy, which forms an integral part of these Terms. When you register for an account and use the Services, we may collect and process information such as your name, contact details, date of birth, payment information, usage data, device identifiers, and communication records with our support team. We use this information for purposes including account administration, identity verification, payment processing, fraud prevention, responsible gambling monitoring, customer support, marketing (where permitted by law and your preferences), and compliance with legal obligations such as AML and counter-terrorist financing requirements. We employ technical and organizational security measures designed to protect your data against unauthorized access, loss, alteration, or disclosure, including encryption, access controls, and regular security assessments, though we cannot guarantee absolute security in all circumstances. By using the Services, you consent to the collection, use, storage, and disclosure of your personal data as described in these Terms and in our Privacy Policy.

We may share your data with third-party service providers that assist us in operating the Services, such as payment processors, identity verification services, IT infrastructure providers, marketing platforms, and game suppliers, subject to appropriate contractual safeguards and data protection obligations. In certain cases, we may also disclose your information to government authorities, law enforcement, regulators, or courts where required by law or where we believe in good faith that such disclosure is necessary to protect our rights, the safety of our customers, or the integrity of the Services. Depending on your jurisdiction, you may have rights regarding your personal data, such as the right to access, correct, or delete certain information, the right to restrict or object to certain processing activities, and the right to withdraw consent where processing is based on consent; details of these rights and how to exercise them are provided in our Privacy Policy. You agree to provide accurate and up-to-date information and to notify us promptly of any relevant changes, as inaccurate data may impair our ability to provide the Services or comply with legal obligations. Your use of Winum may involve the transfer of data across borders, including to locations that may have different data protection standards, and we will implement appropriate safeguards for such transfers in accordance with applicable law.

Account Suspension & Termination

Winum reserves the right to suspend, restrict, or terminate your account at any time, with or without prior notice, where we have reasonable grounds to believe that you have breached these Terms, violated applicable law, engaged in prohibited activities, or posed a risk to the integrity or reputation of the Services. Suspension may involve temporarily disabling your ability to deposit, withdraw, or place bets while we conduct investigations into suspected violations, security incidents, or responsible gambling concerns. Termination may be imposed in serious or repeated cases of misconduct, including fraud, chargebacks, abuse of Promotions, underage gambling, attempts to circumvent self-exclusion, or provision of false or misleading information during registration or KYC checks. In some situations, we may be legally required to freeze or confiscate funds or to report account activity to relevant authorities, and you agree that we may take such actions without incurring liability, to the extent permitted by law. If we decide to close your account, we will, where feasible and lawful, pay out any undisputed balance remaining after deductions for any applicable fees, chargebacks, or confiscations under these Terms.

You may close your account at any time by contacting customer support, subject to the settlement of any outstanding balances, bets, or disputes, and we will process such requests in a timely fashion consistent with our internal procedures and legal obligations. Account closure at your request does not relieve you of responsibility for any prior actions, bets, or obligations incurred before the closure took effect, and these Terms will continue to apply to any unresolved matters. In the case of self-exclusion or responsible gambling-based closures, additional restrictions may apply, including limitations on reopening accounts or creating new ones, in line with our responsible gambling commitments. We may retain certain information about you after account closure as required for legal, regulatory, tax, or anti-fraud purposes, in accordance with our Privacy Policy and applicable data retention rules. By using Winum, you accept that account suspension or termination may be necessary to ensure legal compliance and to uphold a safe, fair, and responsible gaming environment for all users.

Limitation of Liability

To the maximum extent permitted by applicable law, Winum, its affiliates, directors, officers, employees, and agents will 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, these Terms, or any related policies, even if we have been advised of the possibility of such damages. This limitation includes, without limitation, damages for loss of profits, loss of data, loss of reputation, business interruption, or any other intangible losses, whether arising in contract, tort (including negligence), strict liability, or otherwise. Our total aggregate liability to you for any and all claims arising from or related to the Services or these Terms will not exceed the total amount of real-money deposits you have made into your account during the six months preceding the event giving rise to the claim. Nothing in these Terms is intended to exclude or limit 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.

You acknowledge that you use the Services at your own risk and that the Services are provided on an “as is” and “as available” basis, without any warranties or representations, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted or error-free operation. We do not guarantee that the Services will be compatible with your hardware or software, that they will always be available or free from delays, or that any defects or errors will be corrected promptly. Technical failures, communication delays, system outages, and data transmission issues may occur, and we are not responsible for any loss or damage you may suffer as a result of such events, provided that we have acted with reasonable care and diligence. You are responsible for ensuring that your devices, internet connection, and security configurations are adequate and compatible with the Services, and for implementing reasonable measures to protect your systems and data from malware, unauthorized access, or other risks. By agreeing to these Terms, you waive any right to participate in class actions or collective legal proceedings against Winum to the fullest extent permitted by law, and agree that any claims must be brought on an individual basis.

Complaints & Dispute Resolution

If you have a complaint, concern, or dispute regarding the Services, your account, or these Terms, you should first contact our customer support team using the channels specified on the website or within the app, providing clear and accurate details about the issue, including relevant dates, transaction data, and any supporting documentation. We will acknowledge receipt of your complaint and will use reasonable efforts to investigate and resolve it promptly, fairly, and in accordance with our internal procedures and any applicable regulatory requirements. During the investigation, we may request additional information from you and from any relevant third parties, and we may temporarily suspend certain transactions or activities on your account if necessary to preserve evidence or prevent further issues. We will inform you of the outcome of our review and any decision or remedy we propose, including, where appropriate, adjustments to your account balance, restoration of bets, or other corrective measures.

If you are not satisfied with our response or believe that the matter has not been resolved to your reasonable satisfaction, you may have the option to escalate the dispute to an independent alternative dispute resolution (“ADR”) body or ombudsman, where such mechanisms are available under the laws or regulations that apply to your use of the Services. Details on any applicable ADR options will be provided upon request or in our dedicated complaints policy, where required. You agree to attempt to resolve any dispute with us informally and in good faith before resorting to formal legal action, and to fully cooperate with any mutually agreed dispute resolution process. Nothing in this section prevents either party from seeking interim or injunctive relief in a court of competent jurisdiction where such relief is necessary to prevent serious or irreparable harm. By using Winum, you agree that complaints and disputes will be addressed individually and that you will not pursue or participate in collective or class-based actions against us, to the fullest extent permitted by law.

Governing Law

These Terms, and any disputes, claims, or proceedings arising out of or related to them or to your use of the Services, are governed by and construed in accordance with the laws of the jurisdiction in which Winum is legally established, without regard to its conflict of laws principles. You agree that the courts of that jurisdiction will have exclusive or, where applicable, non-exclusive jurisdiction over any legal action or proceeding arising from or relating to these Terms or the Services, subject to any mandatory rights you may have under the laws of your own jurisdiction. If you are a consumer and applicable law grants you the right to bring proceedings in the courts of your country of residence, nothing in these Terms is intended to restrict that right. In any event, you agree that you will not object to the jurisdiction or venue of such courts on grounds of inconvenience or otherwise, and that you will comply with all procedural requirements applicable to the resolution of disputes in that forum.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or other competent authority, such provision will be enforced to the maximum extent permissible, and the remaining provisions will continue in full force and effect. The failure or delay by Winum to exercise any right, remedy, or power under these Terms will not constitute a waiver of such right, remedy, or power, nor will any single or partial exercise of any such right, remedy, or power preclude any other or further exercise or the exercise of any other right, remedy, or power. Any waiver of a breach of these Terms must be in writing and signed by an authorized representative of Winum to be effective, and such waiver will not be deemed a waiver of any subsequent breach. You agree to comply with all applicable laws, regulations, and rules in relation to your use of the Services, and to obtain any necessary authorizations or approvals required by authorities in your jurisdiction, if applicable.

Final Provisions

These Terms constitute the entire agreement between you and Winum regarding your use of the Services and supersede all prior or contemporaneous understandings, agreements, representations, or communications, whether written or oral, relating to the subject matter herein. You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent, and any attempted assignment in violation of this restriction will be null and void. We may assign, transfer, or delegate our rights and obligations under these Terms, in whole or in part, to any affiliate, successor, or third party in connection with a merger, acquisition, corporate reorganization, or sale of assets, without requiring your prior consent, provided that such transfer does not materially reduce the level of protection afforded to you. All notices and communications under these Terms may be provided electronically, including via email, website postings, or in-account messages, and such communications will be deemed received when sent or posted, except to the extent otherwise required by law.

Your continued access to and use of Winum signifies your acknowledgment that you have read, understood, and agreed to be bound by these Terms, including all incorporated policies and rules. If at any time you do not accept these Terms, or if you become ineligible to use the Services due to changes in law or personal circumstances (such as becoming underage in your jurisdiction or being subject to self-exclusion), you must immediately cease using the Services and contact us to close your account. We reserve the right to update or revise these Terms periodically to reflect changes in our Services, legal obligations, or best practices in online gambling compliance and responsible gaming, and we encourage you to review them regularly. By maintaining an active account and continuing to use the Services, you confirm your ongoing agreement to the current version of the Terms and your commitment to using Winum in a lawful, fair, and responsible manner. If you have any questions about these Terms or require clarification on any provision, you should contact customer support before proceeding with registration, deposits, wagers, or any other use of the Services.