Introduction

These Terms and Conditions (the “Terms”) constitute a legally binding agreement between you and Winum (the “Company,” “we,” “us,” or “our”) governing your access to and use of the online casino services offered under the brand name Winum, including all related websites, mobile applications, platforms, and related services (collectively, the “Services”). By registering an account, accessing the website, placing wagers, or otherwise using any part of the Services provided by Winum, you acknowledge that you have read, understood, and agreed to be bound by these Terms in their entirety. These Terms are intended to promote a fair, transparent, and responsible gaming environment while ensuring compliance with applicable laws and regulations in relevant jurisdictions. It is your responsibility to review these Terms periodically because we may update or modify them from time to time to reflect changes in law, technology, industry standards, or our business operations. Your continued use of the Services after any modifications are posted will constitute your acceptance of the revised Terms, so we strongly encourage you to read them carefully.

Furthermore, these Terms are complemented by other specific policies, guidelines, and rules that may apply to particular games, promotions, or features, including but not limited to the Privacy Policy, Bonus Rules, Responsible Gambling Policy, and any game-specific rules provided on the platform. In the event of any conflict between these Terms and any other policy posted on the site, these Terms shall prevail, unless expressly stated otherwise. Nothing in these Terms shall be construed as creating any special relationship, partnership, joint venture, or agency between you and the Company; you use the Services solely for personal entertainment and at your own risk. We reserve the right to decline, refuse, suspend, or terminate Services for any user who does not comply with these Terms or with applicable legal requirements. If you do not agree with any part of these Terms, you must immediately stop using the Services and refrain from accessing the Winum platform.

Acceptance of Terms

By clicking “Register,” “Sign Up,” “I Agree,” or any other button or mechanism indicating your acceptance of these Terms, you expressly confirm that you have read these Terms, understand them, and agree to be bound by them without exception. Acceptance of these Terms is a prerequisite for opening and maintaining an account, placing bets, participating in promotions, or otherwise using the Services offered by Winum. If you do not understand any provision, it is your responsibility to seek clarification before proceeding, as continued use of the Services implies your full and informed acceptance. These Terms apply to all forms of use, whether occasional or frequent, and whether you access the Services through a desktop browser, mobile browser, dedicated mobile application, or any other approved interface. You also represent that you have the legal capacity and authority to enter into this agreement in your own name and on your own behalf, and that you are using the Services solely for personal entertainment.

Your acceptance of these Terms includes consent to our use of electronic records and communications for all purposes related to the Services, including notices, disclosures, and transaction records, in accordance with applicable laws. By accepting these Terms, you agree that any dispute, claim, or controversy arising from or relating to your use of the Services will be handled in accordance with the dispute resolution provisions set out further below. We reserve the right to require affirmative reconfirmation of these Terms following material changes, which may involve you re-accepting the Terms before you can continue using certain parts of the Services. If at any time you disagree with these Terms or any updated version of them, you must immediately stop using the Services, close your account following the prescribed procedure, and withdraw any remaining eligible balance subject to compliance checks. Continued use of the Services after any update shall indicate your acceptance of the revised Terms in their entirety.

Eligibility & Age Restriction (18+ only)

Use of the Services is strictly limited to individuals who are at least eighteen (18) years of age or the minimum legal age for gambling in their jurisdiction of residence, whichever is higher. By opening an account and using the Services, you represent and warrant that you meet this age requirement and that you are not accessing the Services from any jurisdiction where online gambling is prohibited or restricted by law. We take underage gambling extremely seriously and maintain policies designed to prevent individuals under 18 from accessing the platform, including identity verification procedures and monitoring mechanisms. If we have reasonable grounds to believe that you are under the minimum legal age or that your account is being used by a minor, we reserve the absolute right to suspend or permanently close your account, void bets, and withhold winnings, subject to any legal obligations we may have. Parents and guardians are strongly advised to take appropriate measures on devices used by minors, such as installing content filtering software and not sharing payment details or login credentials.

Young people and minors are particularly vulnerable to the potential harms associated with gambling, including the risk of developing problematic behaviors at an early age, impaired decision-making, and financial difficulties. For this reason, we implement robust responsible gambling tools and encourage open dialogue within families about the dangers of underage gambling and the importance of respecting age restrictions. If you become aware that a person under the age of 18 has registered an account or engaged in gambling activity on Winum, you must notify us immediately so that appropriate actions can be taken, including account closure and refund of any deposits made from the minor’s funds to the lawful owner where possible. You must also ensure that your access to the Services is not shared with or made available to minors, whether intentionally or negligently. Any attempt to circumvent the age restriction, including using false identification or misrepresenting age, will constitute a serious breach of these Terms and may result in reporting to relevant authorities.

Account Registration

To participate in real-money games and wagers on the Winum platform, you must complete the registration process by providing truthful, current, and complete information as requested in the registration form. This may include, but is not limited to, your full legal name, date of birth, residential address, email address, telephone number, and country of residence. You agree to keep this information updated at all times and to promptly notify us or update your account settings if any details change. As part of our regulatory and compliance obligations, we may require additional information and documentation to verify your identity, source of funds, and source of wealth, such as a government-issued photo ID, proof of address, or bank statements. Failure to provide accurate information or required documentation may lead to delays in withdrawals, temporary account suspension, or permanent closure.

During registration, you will be asked to create login credentials, including a username and password, which you must keep strictly confidential and secure. You are solely responsible for all activities conducted under your account, whether authorized by you or not, and you agree to immediately inform us if you suspect any unauthorized access or security breach. We may, at our sole discretion, reject any registration, close any account, or restrict access to the Services without obligation to provide a specific reason, provided we act in accordance with applicable law. It is prohibited to open multiple accounts for the same individual, and if we identify duplicate accounts, we may merge or close them and treat all activity under such accounts in accordance with our policies. Account sharing, selling, transferring, or acquiring an account from another user is strictly forbidden and constitutes grounds for termination and potential forfeiture of funds subject to legal constraints.

Deposits & Withdrawals

Deposits and withdrawals at Winum are subject to these Terms, as well as any additional payment-specific rules or conditions displayed during the transaction process. You may deposit funds into your account using one or more supported payment methods, which can include traditional methods (such as credit cards, debit cards, and bank transfers) as well as digital or Winum crypto options, depending on your jurisdiction and our operational policies. We reserve the right to set minimum and maximum deposit and withdrawal limits, which may vary according to payment method, account status, verification level, and other risk-based considerations. All funds deposited must originate from payment instruments and accounts that are legally and rightfully owned by you; using third-party payment sources, stolen cards, or unauthorized payment instruments is strictly prohibited and may lead to account suspension, reporting to authorities, and confiscation of funds where legally permissible. When you deposit funds, you acknowledge that such funds will be used solely for the purpose of placing wagers and participating in the Services, and not for any form of money transfer or illegal activity.

Withdrawals are subject to verification checks and anti-money laundering procedures, and we may require up-to-date identification documents before processing any payout, regardless of the amount. We strive to process withdrawals promptly, but processing times may vary based on internal review, payment provider constraints, and your selected method. You agree that we may, in certain circumstances, pay out withdrawals partially or in installments when required by law, payment provider rules, or internal risk policies. We reserve the right to reject or reverse deposits and to delay or refuse withdrawals if we suspect fraudulent activity, compromised accounts, collusion, bonus abuse, or any violation of these Terms. All financial transactions may be reviewed and monitored to comply with anti-money laundering and counter-terrorist financing regulations, including the reporting of suspicious transactions to the relevant authorities to the extent required by law.

Payment Methods Table

All timeframes presented in the table are illustrative and do not constitute guarantees; actual processing times may vary. In the event of technical issues, security checks, or compliance reviews, we may require additional time to complete deposits or withdrawals. You are responsible for any fees or charges imposed by your bank, card issuer, digital wallet provider, or cryptocurrency network. We may, at our discretion, absorb or pass on some or all transaction fees, and these conditions may change periodically without prior notice, in accordance with applicable law. Before making any deposit or withdrawal, you should review the current limits, fees, and conditions displayed in the cashier area, as those will form part of these Terms.

Bonuses & Promotions

From time to time, Winum may offer bonuses, free spins, loyalty rewards, tournaments, cashback, or other promotional incentives intended to enhance your entertainment experience. All such offers are subject to specific terms and conditions, including eligibility criteria, wagering requirements, time limits, maximum bet per spin or hand while bonus funds are active, game weighting, withdrawal restrictions, and other conditions clearly stated in the relevant bonus description. You are responsible for carefully reading and understanding the terms applicable to any bonus or promotion before opting in or accepting it, whether automatically credited or claimed manually. Misinterpretation or failure to read bonus terms does not entitle you to any exception or special treatment, and we will apply bonus rules consistently across all players. Bonuses are designed solely for genuine recreational play, and any attempt to exploit them through dishonest or abusive strategies constitutes a breach of these Terms.

Common forms of bonus abuse include, without limitation, matched betting in collusion with other accounts, placing minimal-risk bets until wagering requirements are almost met and then making high-risk bets, using multiple accounts to claim the same promotion, and exploiting any software or system errors. If we have reasonable grounds to suspect bonus abuse or any attempt to gain unfair advantage from a promotion, we reserve the right to revoke bonuses, cancel bonus-generated winnings, adjust your account balance, or close your account entirely. Some promotions may be restricted to certain countries, languages, operating systems, or payment methods, and these restrictions will be clearly indicated in the promotional details. We may modify, suspend, or terminate any promotion at our discretion, including extending or reducing promotional periods, adjusting bonus amounts, or introducing new conditions, provided that such changes do not affect bonuses already claimed in a way that is contrary to applicable law. In case of any discrepancy between these general Terms and specific promotion rules, the latter will prevail to the extent of the inconsistency.

Game Rules

Each game offered on Winum, including slots, table games, live dealer games, and any other interactive products, is governed by its own specific rules, paytables, and mechanics. You are responsible for familiarizing yourself with the rules and functionality of any game before placing real-money bets, and you should always consult the in-game help section or information pages to understand betting limits, winning combinations, payout structures, and any special features. Game rules may differ depending on the provider, version, or regional variation, so previous experience with a similar game on another platform does not guarantee identical behavior or outcomes here. We strive to ensure that game rules are clearly documented and accessible, but if you encounter any ambiguity or believe the rules are unclear, you should refrain from playing until you have sought clarification from customer support. Your participation in any game constitutes your acceptance of the applicable rules and confirms that you understand how the game operates, including the role of randomness, house edge, and potential volatility.

We reserve the right to remove, modify, or replace any game at our discretion, for reasons including but not limited to technical issues, regulatory requirements, or commercial considerations. In the event of a malfunction, interrupted round, or error in a game’s functioning, all bets placed and winnings obtained during the malfunction may be considered void, and affected rounds may be refunded or otherwise resolved as per the policies of the relevant game provider and our internal procedures. We are not responsible for any loss of winnings due to connection issues, hardware failures, or other external factors beyond our control, though in some cases incomplete rounds may be restored after reconnection if supported by the game system. You should always log out or exit the game properly when finishing a session to avoid unintended bets or game actions, particularly when using shared or public devices. Any attempt to manipulate game outcomes, exploit software bugs, or interfere with fair gameplay is strictly forbidden and may result in immediate account closure and reporting to appropriate authorities.

Fair Play & RNG

Winum is committed to providing a fair and transparent gaming environment in which all users have an equal and unbiased opportunity to win, subject to the inherent statistical nature of games of chance. To achieve this, we rely on certified Random Number Generators (RNGs) and third-party game providers whose systems are regularly tested and audited by independent laboratories or certification bodies, where required by applicable law and regulation. These RNGs are designed to produce random and unpredictable results that cannot be influenced by players, operators, or external parties, ensuring that each game outcome is based solely on chance within the predefined mathematical parameters. The theoretical payout rates and house edge for each game are determined by the rules and design of the game itself and cannot be altered to target specific individuals or groups of players. We do not guarantee any specific pattern of wins or losses, and past performance or previous outcomes do not influence future results.

Any suspicion or allegation of unfair play will be taken very seriously and may prompt an internal investigation involving the relevant game providers and, where appropriate, external auditors. If a technical or operational issue is identified that may have affected fairness, we will take appropriate remedial actions that may include voiding bets, refunding stakes, or making other adjustments in accordance with applicable law and game provider policies. You agree that the results displayed by our servers or those of our authorized providers shall be final and binding with respect to all game outcomes and related winnings or losses, absent clear evidence of a malfunction. It is strictly prohibited to use automated betting systems, bots, scripts, artificial intelligence, or other tools designed to control or manipulate gameplay in ways that provide unfair advantage or violate game rules. We reserve the right to suspend or terminate any account that we suspect of engaging in such activities, seize funds associated with proven unfair practices where legally permissible, and report the matter to competent authorities when warranted.

Responsible Gambling

Winum is firmly dedicated to fostering a safe, responsible, and sustainable environment for gaming entertainment, recognizing that gambling can pose risks if not managed carefully and responsibly. We strongly encourage you to view gambling as a form of leisure, not a means of income, and to only stake money that you can comfortably afford to lose without impacting your essential living expenses or financial obligations. To support this approach, we provide a range of responsible gambling tools and features that allow you to control your activity, monitor your behavior, and restrict your access if necessary. These tools are designed to help you set limits, take breaks, and seek help early if you notice any signs of problematic gambling, such as chasing losses, gambling beyond your budget, or neglecting personal and professional responsibilities. You acknowledge that the ultimate responsibility for your gambling decisions rests with you, but we are committed to implementing reasonable measures to help you maintain control.

Our responsible gambling framework includes features such as deposit limits, loss limits, wagering limits, session reminders, time-outs, cooling-off periods, and self-exclusion options that can be configured according to your individual needs. We also provide information, educational materials, and links to third-party support organizations that specialize in problem gambling, allowing you to access professional advice and counseling. If you suspect that your gambling behavior is becoming harmful, you should immediately utilize our available tools, consider limiting or closing your account, and contact specialized services for professional assistance. We reserve the right to apply or enforce certain limitations on your account if we have reason to believe that your behavior indicates a risk of gambling-related harm, although such measures are not a substitute for your own proactive management. You agree that we may rely on data and behavioral indicators, within the limits of applicable privacy law, to detect potential signs of harm and to contact you regarding safer gambling measures where appropriate.

Tools & Features (table)

These responsible gaming tools are provided for your benefit, and we encourage you to make active use of them from the outset rather than waiting until issues develop. You should consider setting limits as soon as you register, particularly if you have had previous difficulties with gambling or if you are concerned about your potential risk. Note that certain tools, especially self-exclusion, may have legal and procedural implications that make them difficult or impossible to reverse before the selected term ends. We are not liable for any losses you incur if you fail to use these tools or if you bypass them by creating new accounts, using false information, or otherwise acting against your own interests. Nonetheless, we will take reasonable steps to detect such attempts and to uphold the spirit of responsible gambling policies whenever feasible.

Support Resources

Winum supports a proactive approach to harm minimization and encourages all users to be aware of early warning signs of problematic gambling, such as hiding gambling activity, lying about losses, borrowing money to gamble, or feeling distress when unable to access games. To complement our internal tools, we provide access to a variety of external support resources, including non-profit organizations, helplines, and counseling services that specialize in gambling-related issues. Links or contact details for such resources are made available on our dedicated responsible gambling pages and may include national and regional hotlines, online chat services, and self-help groups. While the specific organizations listed may vary by jurisdiction, they generally offer confidential guidance, assessments, and treatment referrals for individuals and families affected by gambling harm. You are strongly encouraged to seek help at the earliest indication of difficulty, as early intervention can significantly reduce long-term damage to your financial stability, mental health, and personal relationships.

If we observe patterns of play that may indicate elevated risk, we may contact you with information about responsible gambling, suggest relevant tools, or recommend that you consult professional support services. Such communication is not intended as a substitute for medical or psychological diagnosis or treatment, nor does it imply that we have a comprehensive view of your overall financial or personal circumstances. We cannot guarantee the quality or availability of external services, as they are independent entities, but we strive to reference reputable organizations with established experience in gambling harm prevention and treatment. You acknowledge that seeking professional help is your decision and responsibility, and we encourage discussion with trusted family members or advisors when appropriate. Under no circumstances should gambling be used as a means to escape serious personal, psychological, medical, or financial problems, and we urge you to prioritize your well-being and that of those around you at all times.

Prohibited Activities

You agree that you will not engage in any prohibited activities while using the Services, including but not limited to fraud, collusion, money laundering, financing of terrorism, or any other illegal or unethical conduct. Prohibited activities also include using stolen or unauthorized payment methods, allowing third parties to use your account, selling or transferring your account, or creating multiple accounts to circumvent limits, restrictions, or self-exclusion. Furthermore, it is strictly forbidden to manipulate game outcomes through technical interference, exploitation of bugs, or use of software tools that give an unfair advantage, including automated betting bots, scraping tools, or reverse-engineering techniques. You must not use the Services in any way that may harm, overload, or impair our infrastructure, including through denial-of-service attacks or other malicious actions. Any attempt to compromise the security or integrity of the platform is a serious violation of these Terms and may result in comprehensive legal action.

You are also prohibited from posting, transmitting, or otherwise making available through the Services any content that is unlawful, defamatory, abusive, obscene, racist, discriminatory, or otherwise in violation of applicable laws or these Terms. Harassment or abuse of other users, customer support representatives, or staff members via chat, email, or any other communication channel is strictly prohibited and may lead to account suspension or termination. Using the Services to advertise or promote external products, services, or websites without our prior written consent is not allowed. In addition, you must not engage in any behavior that can be interpreted as match fixing, syndicate betting, or any form of pre-arranged outcome exploitation in connection with sports or event betting, if such products are offered. We reserve the right to investigate any suspected activity, suspend affected accounts during the investigation, share findings with relevant authorities, and withhold funds where justified by law and regulatory guidelines.

Restricted Countries (table)

Access to and use of the Services may be restricted in certain countries or territories due to local laws, licensing limitations, or our internal risk assessments. It is your responsibility to ensure that you are not located in a jurisdiction where online gambling is prohibited or where we do not lawfully offer Services. The below table provides a non-exhaustive example list of countries where access to Winum may be restricted or prohibited; this list may change from time to time and does not relieve you of your duty to comply with applicable laws. If you are a resident or physically present in a restricted jurisdiction, you must not register for an account, deposit funds, or participate in any games on the platform. We may rely on technological measures such as IP geolocation, but these tools are not infallible, and any attempt to circumvent them (for example, via VPN, proxy, or similar technologies) is considered a serious breach of these Terms.

If we determine that you are accessing the Services from a restricted jurisdiction, whether by misrepresenting your location or otherwise, we may suspend or close your account and void any bets or winnings obtained in violation of territorial restrictions, subject to legal requirements. Any funds deposited from such jurisdictions may be returned to the lawful owner where feasible, minus any applicable administrative fees or transaction costs. You are encouraged to consult independent legal advice if you are uncertain whether online gambling is lawful in your jurisdiction. We are not responsible for any violation of local laws committed by users, and your use of the Services from a restricted jurisdiction is entirely at your own risk and may result in legal consequences under local law. Our decision regarding territorial restrictions and eligibility may be made in our sole discretion, guided by regulatory advice and risk assessments.

Privacy & Data Protection

Winum is committed to protecting your personal data and respecting your privacy in accordance with applicable data protection laws and regulations. When you register an account or interact with the Services, we collect and process various categories of personal information, such as identification details, contact information, transaction records, device and usage data, and communication logs. This information is used for specific purposes, including account administration, verification, processing of transactions, prevention of fraud and money laundering, responsible gambling monitoring, customer support, and compliance with legal obligations. We may also use certain data for analytical and statistical purposes, improving our Services, and, where permitted by law, for marketing communications that you can opt out of at any time. Our full practices are described in our separate Privacy Policy, which forms an integral part of these Terms and should be read together with them.

We employ reasonable technical and organizational measures to protect your data against unauthorized access, loss, misuse, or alteration, including encryption, secure storage solutions, and access controls based on the principle of least privilege. Personal data may be shared with third-party service providers acting as processors or controllers, including payment processors, identity verification agencies, game providers, analytics vendors, and regulatory authorities, but only to the extent necessary for the stated purposes and subject to appropriate contractual safeguards. Depending on your location and applicable law, you may have certain rights regarding your personal data, such as the right to access, correct, or delete certain information, restrict processing, or object to specific uses. To exercise these rights, you may need to contact us through the channels specified in the Privacy Policy and provide sufficient information to verify your identity. We will retain your data for as long as necessary to fulfill the purposes described above and to comply with legal or regulatory recordkeeping requirements, after which it will be securely deleted or anonymized.

Account Suspension & Termination

We reserve the right to suspend, restrict, or terminate your account at our sole discretion for any reason that we deem valid and appropriate, including but not limited to suspected breach of these Terms, fraud, misuse of bonuses, chargebacks, money laundering, underage gambling, or prohibited jurisdiction access. Suspension may be temporary and used as an interim measure while we investigate suspected misconduct or verify your identity and documentation. During suspension, you may be unable to deposit, place bets, or withdraw funds, although, where legally required, we may allow withdrawal of any undisputed available balance after completing necessary checks. If the investigation confirms a serious violation, we may proceed to permanently close your account, confiscate certain funds where permitted by law, and report the matter to relevant regulatory or law enforcement agencies. We will normally attempt to inform you of the reason for suspension or termination, except where legal or regulatory constraints prevent disclosure.

You may also choose to close your account voluntarily at any time by contacting customer support or using the account closure functionality in your profile, if available. Upon closure at your request, we will, subject to verification and legal requirements, process any remaining balance by refunding it to a payment method we deem appropriate, minus any applicable fees or adjustments. If you wish to close your account for responsible gambling reasons, we strongly recommend using self-exclusion measures instead of simple closure, as these provide stronger safeguards against reactivation or reopening. Following termination of your account, whether initiated by you or us, these Terms will continue to apply to any outstanding obligations, including payment of debts, resolution of disputes, and compliance with legal recordkeeping. We retain full discretion to decline reopening of any closed account and may, where justified, impose permanent exclusion from all current and future Services.

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, special, consequential, or punitive damages arising out of or in connection with your use of the Services, even if we have been advised of the possibility of such damages. Our liability for any direct damages that you may incur shall be strictly limited to the lesser of the total amount of deposits you have made into your account over the preceding three (3) months or a monetary cap specified in applicable law, unless otherwise mandated by mandatory legal provisions. We are not responsible for any loss or damage resulting from your own acts or omissions, including failure to protect your login credentials, misuse of the Services, or non-compliance with these Terms. Additionally, we do not accept liability for any technical failures, system errors, interruptions of service, delays, or communication failures that arise from circumstances beyond our reasonable control, such as force majeure events, internet outages, third-party service disruptions, or hardware failures on your device.

You acknowledge that gambling inherently involves risk, including the risk of losing money, and you participate in the Services entirely at your own discretion and responsibility. We make no guarantees regarding the continuity, error-free nature, or suitability of the Services for any particular purpose, nor do we warrant that any defects will be corrected within a specific timeframe. In jurisdictions where exclusion or limitation of liability for certain types of damages is not permitted, our liability will be limited to the fullest extent allowed by law. Nothing in these Terms shall exclude or limit our liability for death or personal injury resulting from our negligence, fraud, or fraudulent misrepresentation where such exclusion or limitation is prohibited by law. You agree to indemnify and hold us harmless from any claim, demand, liability, damage, or expense (including reasonable attorneys’ fees) arising out of your breach of these Terms, your misuse of the Services, or your violation of any law or third-party rights.

Complaints & Dispute Resolution

If you have a concern, complaint, or dispute regarding any aspect of the Services, including game outcomes, account transactions, or customer service interactions, you should first contact our customer support team using the channels indicated on the website. When submitting a complaint, you must provide clear and accurate information, including your account details, a detailed description of the issue, relevant dates and times, and any supporting documentation or screenshots. We will acknowledge receipt of your complaint within a reasonable timeframe and will endeavor to investigate and respond in a fair, objective, and timely manner. Our internal complaints procedure aims to resolve most issues at the first level of contact; however, more complex matters may require escalation to specialized departments or management, which may extend the resolution timeframe. Throughout the process, we may request additional information from you, and failure to cooperate fully may hinder our ability to reach a conclusive finding.

If you are not satisfied with the outcome of our internal complaints process, and if applicable law or regulatory frameworks provide for it, you may have the option to refer the dispute to an independent alternative dispute resolution (ADR) body or regulator, as identified on our website or in communication with you. The availability and scope of such external referral mechanisms can vary by jurisdiction and product type, and certain disputes may not be eligible for ADR review. Where such options exist, we will provide you with clear instructions on how to initiate external dispute resolution and any related deadlines or procedural requirements. You acknowledge that decisions from ADR entities may be binding or non-binding depending on applicable rules, and that pursuing legal action in a court of competent jurisdiction may remain available subject to governing law provisions. We encourage constructive dialogue and cooperation at all stages of the complaint process and will act in good faith to achieve a fair and transparent outcome.

Governing Law

These Terms, as well as any dispute or claim arising out of or in connection with them or the use of the Services, shall be governed by and construed in accordance with the laws specified in the legal notice or footer section of the Winum website, without regard to any conflict of laws principles that would result in the application of the laws of another jurisdiction. By accepting these Terms, you agree to submit to the exclusive or non-exclusive jurisdiction of the courts identified in that legal notice, as may be updated from time to time, for the resolution of any disputes that are not subject to alternative dispute resolution mechanisms. Where mandatory consumer protection laws in your country of residence offer you specific non-derogable rights, those rights may prevail over conflicting provisions of this governing law clause to the extent required by law. It remains your responsibility to ensure that your use of the Services complies with all applicable legal and regulatory requirements in your jurisdiction, including tax obligations and reporting duties.

Nothing in this governing law section shall prevent us from seeking injunctive relief, interim measures, or urgent legal remedies in any jurisdiction where such actions are necessary to protect our rights, intellectual property, or the integrity of the Services. Likewise, we may be required by regulatory authorities or legal orders in various jurisdictions to cooperate with investigations or enforcement actions, and such cooperation shall not constitute a submission to the jurisdiction of those authorities for all purposes. If any provision of these Terms is found invalid or unenforceable under the applicable governing law, the remaining provisions shall continue in full force and effect, and a valid replacement provision that best reflects the original intent shall be deemed to apply. You consent to the use of electronic means for entering into this agreement and for the delivery of notices, policies, and records, consistent with applicable laws on electronic commerce and digital signatures.

Final Provisions

These Terms constitute the entire agreement between you and Winum with respect to your use of the Services and supersede all prior or contemporaneous understandings, communications, and agreements, whether written or oral, regarding the subject matter hereof. No failure or delay by us in exercising any right, power, or remedy under these Terms shall be construed as a waiver thereof, nor shall any single or partial exercise of any right, power, or remedy preclude any other or further exercise of that or any other right, power, or remedy. 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 provision shall be null and void. We may assign or transfer our rights and obligations under these Terms, in whole or in part, to an affiliate or successor entity in connection with a merger, acquisition, reorganization, or sale of assets, provided that such assignment does not diminish your rights under applicable law.

If any provision of these Terms is determined by a court or competent authority to be invalid, illegal, or unenforceable, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect. We reserve the right to update, modify, or replace these Terms at any time, with changes becoming effective upon publication on the website or as otherwise notified to you, subject to applicable law. It is your responsibility to review the Terms periodically and ensure that you remain informed of any changes that may affect your rights or obligations. Your continued use of the Services following any modification signifies your acceptance of the updated Terms in their entirety. By creating an account and using the Services, you confirm that you have read, understood, and agree to these Terms and that you will use the Winum platform responsibly, legally, and in accordance with all applicable regulations and responsible gambling principles.