Introduction

These Terms & Conditions (the “Terms”) govern the use of all products, services, and content provided under the Winum brand, including but not limited to the Winum website, mobile site, and any associated mobile applications, such as the Winum android app and any future platforms (collectively, the “Services”). By accessing, registering for, or using any part of the Services, you agree to be legally bound by these Terms, our Privacy Policy, and any additional rules or policies that may apply to specific games, promotions, or features. These Terms form a binding legal agreement between you and the operator of Winum, and they set out the rights and obligations of both parties in a clear and comprehensive manner. You should read these Terms carefully in full before creating an account or engaging in any real-money gambling activity through our Services. If you do not agree with any provision contained herein, you must not access, use, or attempt to use the Services in any way. Winum reserves the right to amend, update, or replace these Terms at any time, and your continued use of the Services after such changes are posted will constitute your acceptance of the revised Terms.

Winum is committed to operating a responsible, transparent, and compliant online gambling environment where the integrity of games and the protection of users, especially vulnerable individuals, are prioritized. To that end, Winum has implemented extensive responsible gaming measures and robust security procedures intended to promote safe play, prevent underage gambling, and comply with applicable laws and standards. These Terms also describe the limitations of our liability, procedures for dispute resolution, and the consequences of engaging in prohibited or fraudulent activities. The Services are designed exclusively for users who are at least 18 years of age or the legal age of majority in their jurisdiction, whichever is higher, and who are legally permitted to engage in online gambling. By proceeding to register or use your account, you expressly confirm that you fully understand, accept, and agree to abide by these Terms in their entirety.

Acceptance of Terms

By accessing or using any part of the Services offered by Winum, you acknowledge that you have read, understood, and agreed to be bound by these Terms, as well as by any other documents referenced herein, such as the Privacy Policy, Cookie Policy, and specific rules applicable to individual games, promotions, or tournaments. Your acceptance of these Terms is a condition of your use of the Services, and if you do not agree with one or more provisions, you must immediately cease use of the Services and refrain from completing any registration or transaction. Your use of the Services also constitutes your acknowledgment that online gambling carries certain financial and psychological risks and that you are solely responsible for ensuring that your participation is lawful in your jurisdiction and suitable for your personal circumstances. You further acknowledge that Winum does not provide financial, legal, or psychological counseling services, and any decision to participate in gambling activities is made by you voluntarily based on your own judgment.

You understand and agree that Winum may modify these Terms at any time at its sole discretion, including to reflect changes in legal requirements, industry standards, technological developments, or the introduction of new products and services. Whenever material changes are made, Winum will use reasonable efforts to notify you, which may include posting the updated Terms prominently on the website or sending a notification to your registered email address or internal account message center. It remains your responsibility, however, to review the Terms regularly to ensure that you remain informed of any revisions, as your continued use of the Services after changes become effective will constitute your acceptance of the revised Terms. If you disagree with any amendment to the Terms, your sole remedy is to discontinue your use of the Services and close your account. No statement, representation, or promise by any Winum employee or affiliate that conflicts with these written Terms will be binding, and in case of inconsistency, these Terms shall prevail.

Eligibility & Age Restriction (18+ only)

The Services provided by Winum are intended solely for individuals who are at least eighteen (18) years of age or older, or who have reached the legal age for online gambling in their jurisdiction of residence, whichever is higher. By creating an account or using any of the Services, you explicitly represent and warrant that you meet this minimum age requirement and that you have the full legal capacity to enter into binding contracts. Underage gambling is strictly prohibited, and Winum adopts a zero-tolerance approach to the use of its Services by persons under the age of 18 or under the applicable legal age for gambling. Any attempt by a minor to access or use the Services, including through the use of false identification, the use of another person’s account, or other deceptive practices, is a violation of these Terms and may constitute a criminal offense. In addition, adults are prohibited from enabling or facilitating access to the Services by minors, and doing so may result in account closure and reporting to relevant authorities.

Winum reserves the right to perform age and identity verification checks at any time, both at registration and during ongoing use of the Services, using appropriate means and third-party providers. You may be required to provide proof of identity, address, and age, such as a government-issued identification document, proof of address, or other information deemed necessary by Winum. Failure to provide accurate, complete, and verifiable documentation upon request will result in the suspension or closure of your account and may lead to the forfeiture of funds in accordance with applicable laws and regulations. Winum also emphasizes that online gambling may pose particular risks for young people, including increased vulnerability to addiction, impaired judgment, and financial harm, which is why strict access controls and monitoring measures are in place. If Winum discovers or reasonably suspects that an account is being used by or on behalf of a person under the legal gambling age, the account will be immediately suspended, all transactions may be voided, and relevant funds may be managed in accordance with regulatory obligations.

Account Registration

To participate in real-money gaming activities and access the full range of Services provided by Winum, you must complete the account registration process and create a personal user account (the “Account”). During registration, you are required to provide accurate, current, and complete information, including but not limited to your full name, date of birth, residential address, email address, phone number, and preferred currency, and you must promptly update such information if it changes. You are also required to create secure login credentials, including a username and password, or use other authentication means that may be introduced, such as two-factor authentication. You agree not to share your Account login details with any third party, and you acknowledge that you are solely responsible for the security of your Account and for all activities that occur under it, whether authorized by you or not. You must notify Winum immediately if you become aware of any unauthorized access to your Account or any suspected breach of security.

Each individual is permitted to register only a single Account with Winum, and the creation or use of multiple or duplicate accounts by the same person is strictly prohibited unless expressly authorized in writing by Winum for specific testing or promotional purposes. Any duplicate accounts may be closed, and associated bonuses, winnings, or rewards may be voided at the sole discretion of Winum. Accounts must be registered in your own legal name and on your own behalf; you are not permitted to open an Account for or on behalf of another person, nor may you transfer your Account to any other individual. Winum reserves the right to refuse to open an Account for any applicant and to close any existing Account, subject to compliance with applicable laws and the provisions of these Terms, without being obligated to provide a detailed explanation. By registering an Account, you consent to Winum conducting necessary verification, anti-fraud, and anti-money laundering checks, including the use of third-party service providers, and you agree to cooperate fully with any such checks.

Deposits & Withdrawals

To place real-money wagers and participate in the games offered through the Services, you must deposit funds into your Winum Account using one of the approved payment methods available in your jurisdiction. All deposits and withdrawals are subject to internal controls, verification processes, and any applicable limits or fees, which may vary according to the payment provider, currency, and region. You agree that you will only use payment instruments (such as credit or debit cards, e-wallets, bank accounts, or other approved methods) that are registered in your own name and that you are legally entitled to use. Winum reserves the right to request documentation to verify ownership of the payment method, including but not limited to a scanned copy of the card, a bank statement, or e-wallet confirmation, with sensitive data masked in accordance with security standards. Any use of third-party payment methods without appropriate authorization may be treated as suspicious or fraudulent activity and may result in the suspension of your Account and reporting to relevant authorities.

Withdrawals are processed in accordance with Winum’s internal procedures and may be subject to additional verification steps, particularly where cumulative deposits or withdrawals exceed predefined thresholds or where anti-money laundering or responsible gaming concerns have been identified. Winum aims to process withdrawal requests promptly; however, processing times may vary depending on the method used, the need for verification checks, and external circumstances beyond Winum’s control, such as delays by payment providers or financial institutions. You acknowledge that Winum may set minimum and maximum limits for deposits and withdrawals, and that some methods may not be available in certain countries or to certain users based on risk, compliance, or technical considerations. Before initiating any deposit or withdrawal, you should carefully review the relevant information displayed in the cashier or payment section of your Account, including potential fees, time frames, and method availability. Funds credited to your Account do not accrue interest, and Winum is under no obligation to pay interest on any outstanding balances.

Payment Methods Table

You acknowledge that Winum is not a financial institution and is not engaged in providing banking or currency exchange services. Funds deposited into your Account are solely for the purpose of placing bets and playing games and must not be used for any other purpose such as remittance, currency exchange, or general money transfer. Winum may, from time to time, impose additional conditions on withdrawals, such as requiring that withdrawals be made via the same method used for deposits, to the extent reasonably practicable, to comply with legal and regulatory requirements. In cases where a chargeback, reversal, or refund is requested or initiated by you or a payment provider, Winum may take steps to recover any related funds, including by debiting your Account, voiding bets, and suspending or closing your Account. You agree to bear any costs or fees associated with payment processing, chargebacks, or collection efforts that arise from your actions or non-compliance with these Terms.

Bonuses & Promotions

From time to time, Winum may offer various bonuses, free spins, loyalty rewards, tournaments, and other promotions (collectively, “Promotions”) to eligible players, subject to specific terms and conditions outlined in the relevant promotional materials. By participating in any Promotion, you agree to be bound not only by these general Terms but also by the specific terms applicable to that Promotion, including but not limited to wagering requirements, time limits, maximum bet restrictions, game eligibility, and withdrawal conditions. You understand that different Promotions may have different requirements and that it is your responsibility to read and understand the rules before opting in or accepting any bonus. If you do not agree with the terms of a particular Promotion, you must not participate in it and should refrain from accepting the bonus or reward.

Bonuses are intended to enhance entertainment value and are not to be viewed as guaranteed income or a form of financial investment. Abuse of Promotions, including but not limited to bonus hunting, hedging bets using multiple Accounts, collusion with other players, or any betting patterns that Winum reasonably considers abusive or exploitative, is strictly prohibited and may lead to the forfeiture of bonuses and associated winnings, as well as the suspension or closure of your Account. Winum reserves the right to modify, suspend, or cancel any Promotion at any time, including in circumstances of technical issues, suspected fraud, or regulatory changes, provided that any such changes do not unduly disadvantage players who have already met the conditions under the original terms. Unless stated otherwise, Promotions are limited to one per person, household, IP address, device, payment method, or shared computer environment, such as internet cafés or public access points. Winum may correct any erroneous crediting of bonuses or rewards and may adjust your balance to rectify mistakes, provided that any such corrections are made in good faith and communicated to you where appropriate.

Game Rules

Each casino game, slot, table game, live dealer game, or other form of content offered via the Services is subject to specific rules, odds, payout tables, and mechanics, which are either displayed within the game interface or referenced in information sections accessible from the game. By playing any game, you acknowledge that you have reviewed and understood the applicable rules and agree to abide by them. In the event of any discrepancy between these general Terms and the game-specific rules, the game rules shall take precedence solely with respect to that game, while these Terms will continue to govern all other aspects of your relationship with Winum. You acknowledge that the outcome of each game is determined by a certified random number generator (RNG) or, in the case of live dealer and certain other games, by actual random physical processes such as card dealing or roulette spins, and that you have no influence over the outcome of any game.

It is your responsibility to ensure that your device, internet connection, and software are compatible with the technical requirements of the games you choose to play, including any requirements associated with the donwload Winum for android option or the Winum android app where applicable. If your connection is interrupted or your device malfunctions during gameplay, the outcome may still be determined by the system, and the final result recorded by Winum’s servers will be conclusive. Winum shall not be responsible for any losses arising from hardware failures, internet connectivity issues, or other technical problems at your end, although Winum may, at its sole discretion and without obligation, consider reasonable goodwill gestures in certain cases. Game results, bet histories, and transaction logs as recorded in Winum’s systems shall be considered definitive, and any alleged discrepancy must be reported promptly to customer support for investigation. You agree not to use any external tools, automated scripts, software, or hardware devices designed to influence, manipulate, or gain an unfair advantage in any game offered by Winum.

Fair Play & RNG

Winum is committed to providing a fair and transparent gaming environment in which all players have an equal opportunity to win, subject to the inherent randomness of each game and the house rules and odds. To ensure fair play, Winum uses tested and certified random number generator (RNG) technology for all applicable games, and partners only with reputable game providers whose software and systems comply with industry standards for randomness and integrity. The RNG is regularly reviewed and audited by independent testing laboratories or certification bodies to verify that outcomes are statistically random and not biased in favor of any particular player or the house beyond the published house edge. Results generated by the RNG are final and binding, and any displayed outcomes in your game client or the Winum android app reflect the results recorded on the server-side systems.

Winum strictly prohibits any form of cheating, collusion, advantage play, use of unauthorized software, bots, or any other method intended to obtain an unfair advantage over other players or the house. You agree not to exploit any technical glitches, system errors, or bugs in the software, and if you become aware of any such issue, you must promptly report it to Winum rather than attempting to benefit from it. In the event that Winum suspects or detects activities that compromise fair play, such as unusual betting patterns, collaboration between accounts, or exploitation of vulnerabilities, Winum reserves the right to suspend or close the affected Accounts, void bets or game rounds, and withhold or confiscate winnings, subject to applicable laws and regulations. Winum may also share relevant information with regulators, payment providers, and other stakeholders as part of its efforts to maintain fair and secure operations. By using the Services, you acknowledge and accept that fair play is of fundamental importance to Winum and that any violation of this principle may result in serious consequences, including legal action.

Responsible Gambling

Winum strongly promotes responsible gambling and is committed to providing tools, information, and support to help players maintain control over their gaming behavior and make informed decisions. Online gambling should be viewed strictly as a form of entertainment and not as a way to generate regular income, repay debts, or solve financial problems. You are encouraged to set personal limits, monitor your activity, and be aware of signs that your gambling may be becoming problematic, such as chasing losses, spending more time or money than intended, or neglecting personal or professional responsibilities. Winum provides a range of responsible gaming tools, including deposit limits, loss limits, wager limits, session reminders, time-outs, and self-exclusion, which you can configure through your Account settings or by contacting customer support. These tools are designed to assist you, but they do not replace your personal responsibility to gamble within your means and in accordance with your own limits and circumstances.

Winum emphasizes that individuals under the age of 18 or under the legal gambling age in their jurisdiction are highly vulnerable to the risks associated with gambling and must never access the Services. Parents and guardians are strongly encouraged to use parental control software and to monitor devices that may allow access to gambling websites or applications, including any options to donwload Winum for android or use similar platforms, in order to prevent underage use. If you suspect that a minor has gained access to the Services or is using an Account, you must notify Winum immediately so that appropriate measures can be taken, which may include account suspension, investigation, and reporting to relevant authorities. Winum also encourages players to take regular breaks from gaming and to avoid gambling when under the influence of alcohol, drugs, or emotional distress, as these factors can impair decision-making and increase the risk of harmful behavior. If at any point you feel that your gambling is no longer under control, you are urged to stop playing and seek professional help.

Tools & Features (table)

You acknowledge that once a responsible gaming tool has been activated, especially cooling-off periods and self-exclusion, Winum will not override or cancel it before the selected duration has expired, except where permitted or required by applicable regulations. This measure is designed to protect you from impulsive decisions that may undermine your own attempts to control gambling behavior. Winum will take reasonable steps to enforce these limitations across its platforms; however, you understand that you must not attempt to bypass such tools by creating new Accounts, using alternative devices, or employing any other means to circumvent restrictions. Winum does not accept liability for continued gambling where you have taken active steps to circumvent self-exclusion or other tools. For further protection, you are encouraged to use similar tools and blocking options available at the device or network level, in addition to those provided by Winum.

Support Resources

In addition to the tools and features described above, Winum provides information on independent organizations that specialize in gambling-related support, counseling, and treatment. These organizations can offer confidential advice, self-assessment tests, and access to professional services for individuals who are concerned about their gambling, as well as for their family members and friends. Examples include national or regional problem gambling helplines, counseling networks, and online support groups dedicated to responsible gambling and addiction recovery. Links or contact details for such organizations may be published in the responsible gaming section of the Winum website or provided upon request by customer support. If you believe that you or someone you know may have a gambling problem, you should consider reaching out to such services promptly for assessment and guidance.

Winum staff are trained to recognize signs of potential problematic gambling and may proactively contact players in certain circumstances where account activity suggests that risk indicators are present, although Winum cannot guarantee that all such cases will be identified. In such instances, Winum may discuss responsible gaming tools with you, suggest setting or adjusting limits, or implement temporary restrictions on your Account in line with internal policies and regulatory requirements. Winum may also, at its discretion and where permitted by law, require mandatory breaks or self-exclusion in situations where continued play poses significant risks. While Winum endeavors to assist, it is important to understand that ultimate responsibility for your gambling behavior rests with you, and Winum cannot be held liable for any damages arising from your failure to use available tools or to seek appropriate help. By using the Services, you acknowledge that responsible gambling is a shared responsibility and that you play a critical role in safeguarding your own well-being.

Prohibited Activities

When using the Services, you agree not to engage in any activity that is unlawful, fraudulent, abusive, or otherwise in violation of these Terms or of any applicable laws and regulations. Prohibited activities include, but are not limited to, underage gambling, identity theft, use of stolen or unauthorized payment methods, collusion with other players, cheating or manipulation of game outcomes, and exploitation of technical vulnerabilities or errors in the software. You also agree not to use automated tools, scripts, bots, or any form of artificial intelligence for the purpose of placing bets, analyzing outcomes, or otherwise influencing your play in a manner that provides an unfair advantage. Any attempt to gain unauthorized access to Winum’s systems, to interfere with the proper functioning of the Services, or to harm other users, such as through hacking, denial-of-service attacks, or malicious software, is strictly prohibited and may result in immediate account termination and legal action.

You must not use the Services for any purpose other than lawful gambling entertainment, including but not limited to money laundering, terrorist financing, fraud, or any other financial crime. Winum will monitor transactions and account activity to identify suspicious patterns and may report such activity to relevant authorities or financial institutions as required by anti-money laundering and counter-terrorist financing obligations. You also agree not to share or trade your Account, sell or transfer it to another person, or use another person’s Account under any circumstances. The creation of multiple Accounts without authorization, the use of proxy servers, VPNs, or similar technologies to obscure your location for the purpose of circumventing geographic or legal restrictions, and the misrepresentation of your identity or jurisdiction of residence are likewise prohibited activities. By accepting these Terms, you acknowledge that violation of any of the above may result in serious consequences, including confiscation of funds, account closure, and referral to law enforcement or regulatory bodies.

Restricted Countries (table)

Access to and use of the Services may be restricted or prohibited in certain countries or territories due to legal, regulatory, or risk-related considerations. Winum does not knowingly permit registration or use of real-money Services by individuals located in jurisdictions where online gambling is illegal or where Winum chooses not to offer Services for commercial or compliance reasons. It is your responsibility to ensure that you are not accessing the Services from a prohibited jurisdiction and that your use of the Services complies with all applicable laws in your location. Winum reserves the right to update the list of restricted countries at any time and to implement technological measures to prevent access from such locations. In cases where Winum becomes aware that a user has breached these territorial restrictions, the Account may be suspended or closed, and relevant transactions may be voided, subject to applicable law.

The table below provides a non-exhaustive list of examples of restricted jurisdictions. The inclusion or exclusion of any particular country in this table does not constitute legal advice, and you must conduct your own research regarding the legality of online gambling in your jurisdiction.

If you are unsure whether your jurisdiction permits access to the Services, you should seek independent legal advice before registering or using your Account. Winum does not accept responsibility for any infringement of local laws committed by users, and any attempt to bypass geographical restrictions, including through the use of VPNs, proxies, or other techniques, is a violation of these Terms. In enforcing these restrictions, Winum may rely on various forms of information, including IP address, geolocation tools, payment details, and self-reported data, and may request documentation to verify your location. By continuing to use the Services, you confirm that you are not a resident of or physically located in a restricted jurisdiction and that you will immediately stop using the Services if your circumstances change. Failure to comply with these obligations may result in account closure and other actions consistent with regulatory requirements.

Privacy & Data Protection

Winum is committed to protecting your privacy and handling your personal data with transparency and care, in accordance with applicable data protection laws and regulations. When you register and use the Services, Winum collects and processes certain personal information about you, such as your contact details, identity documents, transactional history, and technical data related to your use of the platform. This information is used for purposes including, but not limited to, account management, verification checks, payment processing, detection and prevention of fraud and money laundering, responsible gaming monitoring, customer support, marketing (where permitted), and compliance with legal obligations. By accepting these Terms and using the Services, you acknowledge and agree to the collection and processing of your personal data as described in the Privacy Policy, which forms an integral part of these Terms.

Winum implements appropriate technical and organizational security measures to protect your personal data against unauthorized access, loss, misuse, or alteration. These measures may include encryption, access controls, secure storage practices, and regular security assessments. However, you understand that no system can be completely secure, and Winum cannot guarantee absolute protection against all forms of cyber threats. You are also responsible for maintaining the confidentiality of your login credentials and for ensuring that your devices and internet connection are reasonably secure. Winum may share your personal data with carefully selected third-party service providers and partners, such as payment processors, identity verification providers, game suppliers, and regulatory authorities, strictly for the purposes described in the Privacy Policy and subject to contractual safeguards.

You have certain rights in relation to your personal data, which may include the right to access, correct, or update your information, the right to restrict or object to certain types of processing, and, where applicable, the right to data portability or erasure, subject to legal and regulatory limitations. Requests to exercise these rights can be submitted to Winum through the designated contact channels specified in the Privacy Policy. Please note that certain data may need to be retained for a minimum period as required by applicable regulations, for example for anti-money laundering record-keeping or tax purposes, even if you request deletion or close your Account. By using the Services, you also acknowledge that your data may be transferred to or stored in jurisdictions other than your own, where data protection laws may differ, but where Winum will ensure that appropriate safeguards are in place. Further details regarding data handling, cookies, and marketing communications are available in the separate Privacy and Cookie policies, which you should review in full.

Account Suspension & Termination

Winum reserves the right to suspend, restrict, or terminate your Account at its sole discretion, subject to applicable laws and these Terms, including in cases of suspected breach of the Terms, fraudulent or unlawful activity, chargebacks, or other risks identified through internal monitoring. Suspension or termination may also occur if required by regulatory authorities, law enforcement, or due to changes in legal or commercial circumstances that make it impractical or unlawful to continue providing Services to you. In circumstances where your Account is suspended, certain functions such as depositing, wagering, or withdrawing may be temporarily disabled while investigations or verifications are carried out. Winum will take reasonable steps to notify you of the suspension or termination, where legally permissible, and may request additional information or documentation to resolve any outstanding issues.

If your Account is terminated due to a serious breach of these Terms, such as fraud, abuse of Promotions, underage gambling, or use of the Services from a restricted jurisdiction, Winum may void bets, confiscate bonuses, and withhold or seize funds to the extent permitted by law and regulatory guidance. In other cases, such as voluntary closure by you or termination for operational reasons, Winum will generally process any remaining withdrawal requests, subject to verification and compliance checks, before closing the Account. You may request closure of your Account at any time by contacting customer support, although certain time delays or checks may be necessary to complete the process. Closing your Account does not automatically remove your personal data, which may be retained as required or permitted by law, as explained in the Privacy Policy. If your Account has been inactive for a prolonged period, Winum may classify it as dormant and apply specific rules regarding fees or eventual closure, which will be set out in the relevant policy or notified to you in advance where required.

Limitation of Liability

To the maximum extent permitted by applicable law, Winum, its affiliates, directors, employees, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Services, these Terms, or any related matters. This includes, without limitation, liability for loss of profits, loss of data, business interruption, or damage to reputation, even if Winum has been advised of the possibility of such damages. Winum’s total aggregate liability to you for any and all claims arising from or related to the Services or these Terms shall not exceed the amount of the net wagers you have placed via your Account in the three (3) months preceding the event giving rise to the claim, or an equivalent amount specified by applicable law where such limitation is not permissible. Nothing in these Terms shall exclude or limit Winum’s liability for death or personal injury resulting from its negligence, or for any other liability that cannot be excluded or limited under mandatory law.

You acknowledge that the Services are provided on an “as is” and “as available” basis, and that Winum does not guarantee uninterrupted, timely, secure, or error-free access to the platform or to any specific game, feature, or Promotion. Technical issues, system maintenance, internet outages, or third-party failures may occasionally result in temporary unavailability of the Services or in the voiding of affected bets or game rounds, consistent with Winum’s policies and regulatory requirements. While Winum will use reasonable efforts to remedy issues and to protect the integrity of account balances and game outcomes, you accept that such events are an inherent part of online services and that Winum cannot be held liable for delays, interruptions, or technical defects arising from circumstances beyond its reasonable control. You are responsible for ensuring that your equipment and internet connection are functioning properly and that your use of the Services is in compliance with local laws and regulations. By using the Services, you assume full responsibility for any expenses, losses, or damages incurred as a result of your own decisions, errors, or non-compliance with these Terms.

Complaints & Dispute Resolution

Winum strives to provide high-quality services and to resolve any issues or misunderstandings quickly and fairly. If you have a complaint regarding any aspect of the Services, including game outcomes, account transactions, or the conduct of Winum staff, you should first contact customer support using the designated communication channels, such as live chat, email, or an online contact form. To enable an effective review, you should provide clear and detailed information about your complaint, including relevant dates, game or transaction references, and any supporting documentation or screenshots. Winum will acknowledge receipt of your complaint and will endeavor to investigate and respond within a reasonable time frame, depending on the complexity and nature of the issue. During this process, you agree to cooperate fully and to provide any additional information reasonably requested.

If you are not satisfied with the outcome of the internal complaint handling process, or if the matter remains unresolved within a specified period, you may be able to escalate the dispute to an independent alternative dispute resolution (ADR) body, regulator, or other entity, depending on the applicable legal framework and Winum’s licensing conditions. Details of any available ADR mechanisms or regulatory contact points may be provided in the relevant jurisdictional section of the website or upon request. You agree that the decisions or recommendations of such bodies, where applicable, may be binding or advisory depending on the governing rules, and that you will respect any final outcome determined in accordance with the agreed procedures. Resorting to ADR does not restrict your right to pursue legal remedies in court where permitted by law, but you may be required to attempt ADR before initiating litigation. By using the Services, you agree that you will not raise frivolous or abusive complaints or engage in defamatory or threatening behavior, and that Winum reserves the right to cease communications where interactions become unreasonable or abusive.

Governing Law

These Terms, and any dispute or claim arising out of or in connection with them, the Services, or their subject matter or formation, shall be governed by and construed in accordance with the laws specified in the jurisdictional clause or notice provided by Winum, without regard to conflict of law principles that would result in the application of the laws of another jurisdiction. The choice of governing law is intended to provide consistency and predictability in the interpretation of these Terms and the resolution of disputes. You agree that, subject to any applicable mandatory laws or alternative dispute resolution rights, the courts of the selected jurisdiction shall have exclusive or non-exclusive jurisdiction, as specified, to settle any disputes arising from or relating to these Terms or your use of the Services. Nothing in this clause shall limit Winum’s right to bring proceedings against you in any other court of competent jurisdiction, including for the purpose of enforcing judgments or seeking injunctive relief.

If you are accessing the Services from outside the jurisdiction specified as the governing law, you are responsible for ensuring that your use of the Services complies with all local laws and regulations applicable to you. Winum does not guarantee that the Services are appropriate or lawful for use in all locations, and by using the Services, you confirm that you are not located in a jurisdiction that prohibits online gambling or the specific types of games offered by Winum. In the event that any provision of these Terms is found to be invalid or unenforceable under the governing law, such provision shall be severed to the extent necessary, and the remaining provisions shall continue in full force and effect. By continuing to use the Services, you acknowledge and agree to the application of the governing law as specified and waive any objection to the choice of law or forum on grounds of convenience or otherwise, to the fullest extent permitted by law.

Final Provisions

These Terms, together with the Privacy Policy, Cookie Policy, game rules, and any additional terms referenced herein or posted on the Winum platform, constitute the entire agreement between you and Winum in relation to your use of the Services and supersede any prior or contemporaneous understandings, communications, or agreements, whether written or oral, regarding the same subject matter. No waiver of any provision of these Terms shall be effective unless made in writing and signed or acknowledged by an authorized representative of Winum, and any failure or delay by Winum to exercise any right or remedy under these Terms shall not constitute a waiver of such right or remedy. You may not assign, transfer, or delegate any of your rights or obligations under these Terms, whether by operation of law or otherwise, without the prior written consent of Winum, and any attempted 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 an affiliate, successor, or third party in connection with a merger, acquisition, corporate restructuring, or sale of assets, provided that such transfer does not materially affect your rights under these Terms.

Headings and section titles in these Terms are for convenience only and shall not affect the interpretation of any provision. In the event of any inconsistency between the English-language version of these Terms and any translation that may be provided for convenience, the English-language version shall prevail to the extent permitted by law. Nothing in these Terms shall create or be deemed to create any partnership, joint venture, agency, or employment relationship between you and Winum; you are solely a user of the Services and not an employee, agent, or representative of Winum. Any notices required or permitted under these Terms may be provided electronically, including via email, in-account messages, or postings on the Winum website, and such notices shall be deemed delivered when sent or made available. By using the Services, you confirm that you have read these Terms thoroughly, understand their contents, and agree to be bound by them, and that you will periodically review them to stay informed of any updates or changes that may affect your use of the Winum Services.