Introduction

These Terms and Conditions (the “Terms”) govern the use of the online gaming and wagering services provided under the brand name “Winum” (“Winum,” “we,” “us,” or “our”). These Terms form a binding legal agreement between you (“you” or the “Player”) and Winum whenever you access, register, use, or otherwise interact with our website, mobile applications, including but not limited to any Winum iOS app, and all associated platforms and services (collectively, the “Services”). By accessing or using the Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms, as well as our Privacy Policy, Responsible Gambling Policy, and any other policies referenced herein. If you do not agree with these Terms or any part of them, you must not access or use the Services and must immediately discontinue any use of the Winum platform.

Winum operates strictly in accordance with applicable laws and regulations governing online gaming and wagering in the relevant jurisdictions, with a particular emphasis on player protection, responsible gambling, and anti-money laundering standards. Our Services are intended for adult users only, and access by persons under 18 years of age, or below the legal gambling age in their jurisdiction, is expressly prohibited and considered a serious breach of these Terms. We encourage you to read these Terms carefully and to regularly review them, as they may be updated or modified from time to time to reflect changes in legislation, regulatory requirements, or operational policies. Your continued use of the Services after any such changes constitutes your acceptance of the revised Terms, which shall supersede any previous versions in relation to your ongoing use of the Services.

By creating an account or using the Services, you confirm that you understand the inherent risks associated with gambling, including but not limited to financial loss and potential negative impact on personal and family life. You further agree that you will use the Services responsibly, for entertainment purposes only, and that you will take advantage of our responsible gambling tools if needed. These Terms are intended to provide clarity, transparency, and protection both for you as the Player and for Winum as the operator of the gaming platform.

Acceptance of Terms

By accessing, visiting, registering with, or using the Winum website, any Winum mobile applications (including when you download Winum for iOS), or any other platform operated under the Winum brand, you agree to be legally bound by these Terms in their entirety. You acknowledge that your use of the Services constitutes your acceptance of these Terms, which have the same legal effect as a written, signed agreement between you and Winum. If you do not agree with any provision of these Terms, you must not register an account, must not deposit any funds, and must immediately cease all use of the Services. It is your sole responsibility to review these Terms regularly, as we may update, amend, or otherwise modify them from time to time, and your continued use after any such changes will be deemed to constitute your acceptance of the revised Terms.

Winum may, at its sole discretion, require you to expressly re-confirm your acceptance of these Terms following any material change, such as by clicking an “I Agree” checkbox, re-submitting a form, or accepting updated terms within the Winum platform. Failure to provide such acceptance when requested may result in temporary suspension or closure of your account until such acceptance is obtained. You understand and agree that Winum reserves the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice, provided that we will take reasonable steps to ensure that any changes do not unfairly disadvantage Players or violate applicable legal or regulatory requirements.

You also acknowledge that separate game rules, promotional terms, and additional policies may apply to specific games, tournaments, or promotional campaigns, and that such terms are incorporated by reference into these Terms. In the event of any conflict between these Terms and any specific game rules or promotional terms, these Terms shall prevail to the extent permitted by law, except where the promotional terms are expressly stated to take precedence. Your acceptance of these Terms confirms your understanding that gambling involves risk and that Winum does not guarantee any particular outcome, winning, or profit.

Eligibility & Age Restriction (18+ only)

The Services are strictly limited to individuals who are at least eighteen (18) years of age or older, or who have reached the legal gambling age in their jurisdiction, whichever is higher. By registering an account or using the Services, you represent and warrant that you meet this age requirement and that you are legally permitted to participate in online gambling within your jurisdiction of residence. Winum explicitly prohibits access to its Services by minors and emphasizes that any gambling activity by persons under 18, or below the legal gambling age of their jurisdiction, is unlawful and a serious violation of these Terms. Parents, guardians, and responsible adults are strongly advised to take appropriate measures to prevent minors from accessing online gambling platforms, including the use of content filtering software and secure device settings.

Winum reserves the right to request proof of age and identity at any time in order to verify your eligibility to use the Services. This verification may include, but is not limited to, the submission of official identification documents, proof of address, and any other documents required by applicable law or our internal compliance procedures. If you are found to be underage or otherwise ineligible, your account will be immediately closed, any bets placed will be voided, and any winnings may be forfeited, subject to applicable legal and regulatory obligations. Furthermore, Winum may report any suspected or confirmed underage gambling to relevant authorities as required by law.

The risks associated with gambling at an early age are significant and may include the development of problem gambling behaviors, financial hardship, emotional distress, and adverse impacts on education and social development. Winum is committed to minimizing these risks by implementing robust age verification procedures, offering educational resources about the dangers of underage gambling, and cooperating with regulatory and support organizations. If you become aware of any person under the age of 18, or below the legal gambling age in their jurisdiction, using or attempting to use the Services, you must immediately notify Winum so that appropriate actions can be taken. The protection of minors is a shared responsibility, and compliance with the age restriction set out in these Terms is a fundamental condition of your use of the Services.

Account Registration

To access real-money games and wagering services on Winum, you must complete the account registration process and create a personal user account (the “Account”). During registration, you will be required to provide accurate, current, and complete information, including but not limited to your full name, date of birth, residential address, email address, and any other information that may be requested for verification purposes. You agree to promptly update your Account details whenever there are changes to ensure that all information remains accurate and up to date at all times. You further agree that you will register only one Account with Winum and that you will not create multiple or duplicate Accounts under any circumstances, unless expressly authorized in writing by Winum.

You are solely responsible for maintaining the confidentiality and security of your login credentials, including your username, password, and any other authentication details used to access your Account. You must not share your Account or login credentials with any third party, including friends, family members, or colleagues, and you must ensure that no minors can access your Account or any device through which you access the Services. Any activity conducted through your Account, whether authorized by you or not, will be deemed to have been conducted by you, and you will be held fully responsible for such activity, subject to applicable law and these Terms. If you suspect any unauthorized use of your Account or a breach of security, you must notify Winum immediately so that we can take appropriate measures to secure your Account and, if necessary, suspend or close it.

As part of our compliance with anti-money laundering (AML), counter-terrorist financing (CTF), and other regulatory requirements, Winum may conduct identity verification and due diligence checks (“KYC” procedures) before allowing deposits, withdrawals, or continued use of certain Services. These checks may require you to provide copies of government-issued identification documents, proof of address, source of funds information, and any other documentation deemed necessary by Winum or by law. Failure to provide such documentation, or the provision of false or misleading information, may result in the suspension or closure of your Account and the reporting of suspicious activity to relevant authorities. Winum reserves the right to reject any registration application at its sole discretion, without any obligation to provide a reason, provided that such decision is made in compliance with applicable law.

Deposits & Withdrawals

Once your Account has been successfully registered and verified, you may deposit funds into your Account using any of the available payment methods offered by Winum, subject to availability in your jurisdiction. All deposits must be made from a payment method that is registered in your own name, and you agree that you will not use third-party payment methods or allow others to fund your Account on your behalf. Winum reserves the right to request proof of ownership of any payment method used and to suspend or restrict deposits where ownership cannot be satisfactorily verified. Deposited funds will be credited to your Account balance once the transaction has been successfully processed, although time frames may vary depending on the payment method and intermediary financial institutions.

Withdrawals from your Account are subject to Winum’s internal policies, regulatory requirements, and verification procedures. Before processing any withdrawal, Winum may conduct additional identity and payment method verification checks to ensure that funds are returned to the original source or to an alternative method in your name, in compliance with AML and CTF regulations. Withdrawal requests may be subject to minimum and maximum limits, processing times, and potential fees, all of which will be clearly indicated within the cashier or banking section of the Services. Winum will make reasonable efforts to process withdrawals promptly; however, we do not accept responsibility for delays caused by third-party payment providers, banks, or other external factors beyond our control.

You acknowledge that all deposits and withdrawals must be conducted in accordance with applicable laws, including but not limited to AML and fraud prevention regulations. Winum reserves the right to withhold or delay withdrawals if we reasonably suspect fraudulent activity, money laundering, bonus abuse, chargebacks, or any other irregularities associated with your Account or payment methods. In such cases, Winum may also freeze funds, suspend or close your Account, and report the activity to relevant authorities as required by law. You agree that you will not attempt to charge back, reverse, or cancel any deposit transactions, and that doing so will constitute a breach of these Terms and may lead to legal action.

Payment Methods Table

The following table provides an illustrative overview of common payment methods that may be available on Winum. Availability, limits, fees, and processing times may vary by jurisdiction and are subject to change.

You acknowledge that the above information is for guidance only and that specific payment methods, terms, and conditions will be detailed within the cashier section when you log into your Account. Winum reserves the right to add, modify, or remove payment methods at any time without prior notice, provided that any such changes comply with applicable law and do not affect transactions already initiated by you.

Bonuses & Promotions

From time to time, Winum may offer bonuses, free spins, promotional credits, loyalty rewards, tournaments, or other promotional incentives (collectively, “Promotions”) to eligible Players. Each Promotion will be governed by specific terms and conditions that will be clearly displayed on the relevant promotional page, campaign materials, or within your Account, and which are incorporated by reference into these Terms. By participating in any Promotion, you agree to be bound by both these general Terms and the specific terms applicable to that Promotion, including but not limited to wagering requirements, time limits, game restrictions, and maximum bet or payout limits. It is your responsibility to read and understand all applicable promotional terms before participating, and you acknowledge that failure to satisfy these requirements may result in the forfeiture of bonus funds and any associated winnings.

Bonuses and promotional credits are typically credited to a separate bonus balance, which may be subject to wagering requirements before they can be converted into withdrawable cash. Wagering requirements specify the number of times the bonus amount (and, in some cases, deposits) must be wagered before withdrawal. Different game types may contribute differently towards wagering requirements, and certain games may be excluded entirely; such details will be specified in each Promotion’s terms. Unless otherwise stated, Promotions are intended for recreational players only and are limited to one per person, household, IP address, payment method, or shared device. Winum reserves the right to withhold, cancel, or reclaim any bonuses or promotional benefits in cases of suspected bonus abuse, collusion, irregular betting patterns, or any other behavior deemed to be in breach of these Terms or the spirit of the Promotion.

Winum may also operate loyalty or VIP programs, wherein Players can earn points, tiers, or other benefits based on their wagering activity. Participation in these programs is subject to program-specific rules and may be granted, suspended, or revoked at Winum’s sole discretion. Winum may modify or discontinue any loyalty or VIP program at any time, provided that any earned benefits or rewards are honored in accordance with applicable program rules and laws. In all cases, bonus funds and Promotions may be subject to expiration dates, after which unused bonuses and related winnings may be removed from your Account. You acknowledge that Promotions are a privilege, not a right, and that Winum may limit your participation, exclude you from certain offers, or require additional verification before granting or allowing use of promotional benefits.

Game Rules

Each game offered on Winum, including slots, table games, live dealer games, and any other real-money or free-play games, is governed by specific rules and mechanics that determine how the game is played and how outcomes are determined. These game rules are accessible within the game interface or via dedicated help pages, and you agree to familiarize yourself with them before placing any wagers. Your decision to place a bet or otherwise participate in a game constitutes your acceptance of the applicable game rules and your acknowledgement that random outcomes can result in both wins and losses. You understand that the display of balances, wagers, and results within the game interface is authoritative unless a clearly demonstrable technical error has occurred.

You are responsible for ensuring that your actions within each game are intentional and that you understand the stakes involved. Once a bet is placed and confirmed, it cannot usually be canceled or reversed, except in limited circumstances where a clear error is identified and confirmed by Winum. In such cases, Winum may, at its discretion and in accordance with regulatory guidance, void the affected bets and restore the relevant funds to your Account. Winum reserves the right to suspend or remove any game from the Services at any time for maintenance, security, regulatory, or other reasons, and shall not be liable for any loss of potential winnings or opportunities resulting from such suspension or removal.

Some games may be provided by third-party software suppliers, whose specific rules and terms are integrated into the Winum platform. You acknowledge that Winum does not control the operation of third-party game servers and that temporary interruptions, technical failures, or scheduled maintenance may affect your ability to access or complete certain games. In the event of a disconnection or game interruption, the outcome of any completed bets will stand, and any incomplete bets or rounds will be handled in accordance with the specific game rules and applicable regulatory requirements. Winum will take reasonable steps to ensure that your balance is correctly updated and that any unresolved bets or rounds are properly settled once the technical issue is resolved.

Fair Play & RNG

Winum is committed to providing a fair, transparent, and trustworthy gaming environment for all Players. To this end, the outcomes of our online games, except where a live dealer or real-world event determines the result, are produced by Random Number Generator (“RNG”) software. The RNG is designed to ensure that all game outcomes are random, unpredictable, and free from manipulation, thereby ensuring a fair chance of winning for every Player. Our RNG technology is subject to regular testing and certification by independent, competent testing laboratories, as required by applicable regulations and licensing conditions.

By using the Services, you acknowledge and accept that the RNG software will determine the outcomes of games that rely on randomization, and that these outcomes are final and binding, subject only to the correction of obvious errors or malfunctions. You understand that every spin, card draw, or other random event is independent and not influenced by previous results, and that no strategy, pattern, or system can guarantee a win or alter the underlying probabilities of the games. Winum strictly prohibits any attempt to manipulate game outcomes, exploit technical vulnerabilities, or use software or devices designed to gain an unfair advantage over other Players or the platform itself.

In the event that Winum has reasonable grounds to believe that a Player has attempted to cheat, manipulate game outcomes, or otherwise compromise the fairness or integrity of the Services, we may suspend or terminate the Player’s Account, void any affected bets or winnings, and report the matter to relevant authorities. Winum may also implement technical and procedural measures to detect and prevent collusion, bot usage, and other prohibited behaviors. We reserve the right to adjust or cancel wagers or winnings where clear evidence of malfunction, error, or manipulation is established and where such adjustment is legally permissible. The commitment to fair play is central to the Winum experience, and we encourage Players to report any suspected unfair or irregular activity through our customer support channels.

Responsible Gambling

Winum is strongly committed to promoting responsible gambling and to providing a safe environment in which gaming remains an enjoyable form of entertainment rather than a source of harm. We recognize that a small percentage of individuals may experience difficulties controlling their gambling behavior and may be at risk of developing problem gambling or addiction. Our goal is to support responsible play by offering educational information, practical tools, and direct access to professional support resources. We expect all Players to approach gambling as a leisure activity, to set personal limits, and to never view gambling as a way to solve financial problems or to generate stable income.

By using the Services, you agree to monitor your own gambling behavior and to use the responsible gambling tools provided by Winum if you feel that your gaming activity may be becoming problematic. These tools include deposit limits, wagering limits, session reminders, time-outs (cooling-off periods), and self-exclusion options, among others, which are designed to help you maintain control over your play. Winum encourages you to set realistic budgets, avoid chasing losses, and take regular breaks while playing. We also recommend that you consider your personal circumstances before gambling, including your financial commitments, emotional state, and any prior history of gambling-related issues.

Winum strictly prohibits underage gambling and recognizes that young people are particularly vulnerable to the risks associated with gambling. Exposure to gambling at an early age can significantly increase the likelihood of developing problem gambling behaviors, financial problems, and social or academic difficulties in later life. We therefore urge parents and guardians to secure devices, monitor internet use, and educate minors about the risks and legal consequences of gambling. If you suspect that a minor has gained access to the Services, you must contact Winum immediately so that we can take appropriate steps to close the Account and prevent further access.

Tools & Features (table)

The following table summarizes key responsible gambling tools and features that may be available on Winum. Availability of specific tools may vary by jurisdiction and regulatory requirements.

Winum may from time to time introduce additional tools or amend existing features to better support responsible gambling, in line with regulatory developments and best practices. You are encouraged to review these tools regularly and adjust your settings as necessary to maintain a healthy relationship with gambling.

Support Resources

If you believe that your gambling behavior, or the behavior of someone you know, may be problematic, Winum urges you to seek assistance as early as possible. Our customer support team is trained to provide information about responsible gambling tools and to facilitate access to self-exclusion and other protective measures. While our staff cannot provide professional counseling or legal advice, they can refer you to external resources and guide you through the available options on the platform. You are also encouraged to use self-assessment questionnaires and educational materials that may be available through the Services or via third-party organizations.

Winum may provide links or references to independent problem gambling support organizations, such as generic national helplines, counseling services, and online support platforms. These organizations can offer confidential advice, counseling, and practical strategies for managing or overcoming gambling-related difficulties. If you are in immediate distress, experiencing severe financial problems, or contemplating self-harm, you should contact emergency services or crisis hotlines in your area without delay. We particularly emphasize that young people and vulnerable individuals are at higher risk of gambling-related harm, and timely intervention is critical in such cases.

By continuing to use the Services, you acknowledge that gambling can be addictive and that it is your responsibility to recognize and respond to any warning signs, such as gambling more than you can afford, hiding gambling from others, or experiencing relationship or work difficulties related to gambling. Winum’s responsible gambling measures are intended to support, but not replace, your own responsibility for managing your behavior. If you have been self-excluded from Winum or any other gambling operator, you must not attempt to circumvent such exclusions by creating new Accounts, altering personal information, or using another person’s identity. Any such attempts will be treated as serious violations of these Terms and may result in permanent bans and further action.

Prohibited Activities

By using the Services, you agree that you will not engage in any activities that are illegal, fraudulent, abusive, or otherwise prohibited under these Terms or applicable law. Prohibited activities include, but are not limited to, attempting to access or use the Services from a restricted country or jurisdiction, opening multiple or duplicate Accounts without authorization, engaging in bonus abuse, colluding with other Players to gain unfair advantage, or using automated software (bots) to participate in games. You also agree not to tamper with, interfere with, or attempt to manipulate the software, RNG, game logic, or any other technical components of the Services. Any attempt to gain unauthorized access to the platform, servers, databases, or other infrastructure of Winum is strictly prohibited and may result in legal action.

You must not use the Services for any unlawful or unauthorized purposes, including but not limited to money laundering, terrorist financing, fraud, or any other criminal activity. Winum may conduct monitoring and analysis of transactional and gameplay data in order to detect suspicious patterns and to comply with regulatory reporting obligations. If we have reasonable grounds to believe that you are involved in any such activity, we may suspend or terminate your Account, freeze funds, void bets, and report the matter to the relevant authorities, including financial intelligence units and law enforcement. You agree to cooperate fully with any investigation conducted by Winum or by regulators or law enforcement agencies in connection with your use of the Services.

You also agree not to misuse any promotional offers, bonuses, or loyalty programs by engaging in behavior that is inconsistent with normal recreational play. Such conduct may include, for example, placing minimal-risk or offsetting bets solely to clear wagering requirements, transferring funds between Accounts through coordinated betting, or exploiting obvious typographical or technical errors in odds or game functioning. Winum reserves the right to withhold, retract, or cancel bonuses and related winnings where we have reasonable grounds to suspect such abuse. Furthermore, you must not engage in any form of harassment, abusive behavior, or offensive communication towards other Players or Winum staff, whether through chat functions, email, or other communication channels.

Restricted Countries (table)

Use of the Services may be restricted or prohibited in certain countries or jurisdictions due to local laws, regulatory requirements, or Winum’s own risk and compliance policies. The following table provides a non-exhaustive example list of types of jurisdictions where access may be restricted. The list is for illustrative purposes only and is subject to change.

It is your sole responsibility to determine whether your use of the Services complies with the laws applicable to you. By using the Services, you represent that you are not located in a restricted jurisdiction and that you will not use any technological or other means, such as VPNs, proxies, or false address information, to circumvent geographic restrictions or compliance controls implemented by Winum.

Privacy & Data Protection

Winum is committed to protecting your personal information and handling it in a lawful, fair, and transparent manner. When you use the Services, we collect and process certain personal data about you, such as your registration details, identification documents, transaction history, device information, and usage patterns. This processing is carried out for purposes including, but not limited to, account management, provision of Services, payment processing, fraud prevention, responsible gambling monitoring, and compliance with legal and regulatory obligations. Our Privacy Policy provides a detailed explanation of what personal data we collect, how we use it, with whom we share it, and what rights you have in relation to your data.

By accepting these Terms and using the Services, you consent to the collection and processing of your personal data as described in our Privacy Policy and as required for the performance of our contractual and legal obligations. In some cases, we may also process your data on the basis of legitimate interests, such as ensuring the security and integrity of our systems, improving our Services, and preventing abuse. We may share your personal data with third-party service providers, such as payment processors, identity verification providers, game suppliers, and analytics companies, strictly for the purposes specified and subject to appropriate data protection safeguards.

Winum implements reasonable technical and organizational measures to protect your personal data against unauthorized access, loss, misuse, alteration, or disclosure. These measures may include encryption, access controls, secure server configurations, and periodic security audits. However, you acknowledge that no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security of your data. It is also your responsibility to maintain the confidentiality of your Account credentials and to ensure that your devices are equipped with up-to-date security software and protections.

Depending on your jurisdiction, you may have certain rights with respect to your personal data, such as the right to access, correct, or delete your data, the right to restrict or object to certain types of processing, and the right to data portability. To exercise these rights, you may be required to submit a request through specified communication channels and to provide satisfactory proof of identity. Winum will respond to such requests within a reasonable timeframe and in accordance with applicable data protection laws. If you believe that your data protection rights have been violated, you may also have the right to lodge a complaint with a competent supervisory authority.

Account Suspension & Termination

Winum reserves the right to suspend, restrict, or terminate your Account at any time, at our reasonable discretion and in accordance with applicable laws and regulations. Reasons for such actions may include, but are not limited to, suspected or confirmed violation of these Terms, provision of false or misleading information, involvement in fraudulent or illegal activities, chargebacks or payment disputes, harassment or abuse of staff or other Players, or failure to pass verification checks. In cases of suspension, your ability to deposit, wager, or withdraw funds may be temporarily limited while we investigate the matter. We will make reasonable efforts to notify you of any suspension or termination decisions, where permitted by law, and to provide information about any steps you may take to contest or remedy the situation.

If your Account is permanently terminated due to a breach of these Terms or other serious misconduct, Winum may be required or entitled to withhold some or all of your remaining funds, including winnings, subject to applicable legal and regulatory requirements. In other situations, such as voluntary closure at your request or closure due to inactivity, any remaining balance may be returned to you, provided that your identity and payment details have been satisfactorily verified and no legal or regulatory impediments exist. You have the right to request the closure of your Account at any time by contacting customer support, although certain closures, such as self-exclusion, may carry specific conditions or minimum periods.

In the event of self-exclusion or responsible gambling-related closures, Winum will take reasonable steps to prevent you from re-opening your Account or creating new Accounts during the exclusion period. You agree not to attempt to circumvent such exclusions and acknowledge that doing so constitutes a serious breach of these Terms and undermines the protective purpose of responsible gambling measures. Winum may maintain records of suspended or terminated Accounts in order to comply with legal obligations, to prevent fraud, and to support responsible gambling initiatives.

Limitation of Liability

To the fullest extent permitted by applicable law, Winum shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with your use of the Services, whether based on contract, tort, negligence, strict liability, or any other legal theory. This includes, without limitation, damages for loss of profits, loss of data, loss of goodwill, business interruption, or other intangible losses, even if Winum has been advised of the possibility of such damages. Your sole and exclusive remedy for dissatisfaction with the Services, or any part thereof, is to stop using the Services and, where applicable, to close your Account.

Winum makes reasonable efforts to ensure that the information and content on its website, mobile applications, and other platforms are accurate and up to date. However, we do not warrant the completeness, reliability, or accuracy of such information, and we accept no liability for any errors, omissions, or inaccuracies unless required by law. Winum does not guarantee that the Services will be uninterrupted, timely, secure, or error-free, or that any defects or malfunctions will be corrected immediately. Technical issues, internet connectivity problems, software or hardware failures, and other external factors may affect your ability to access or use the Services, and Winum shall not be responsible for losses resulting from such issues, except where explicitly required by law.

Nothing in these Terms shall exclude or limit Winum’s 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. Some jurisdictions do not allow the exclusion or limitation of implied warranties or certain types of damages, so the above exclusions and limitations may not apply to you in full. In such cases, Winum’s liability shall be limited to the maximum extent permitted by law.

Complaints & Dispute Resolution

Winum aims to provide high-quality Services and a fair gaming environment, but we recognize that disputes or complaints may occasionally arise. If you have any concerns or complaints regarding the Services, your Account, transactions, game outcomes, or any other matter, you should contact our customer support team as your first point of contact. Complaints should be submitted as soon as reasonably possible after the issue occurs and should include all relevant details, such as your username, the date and time of the incident, game or transaction identifiers, and a comprehensive description of the problem. Winum will acknowledge receipt of your complaint and will make reasonable efforts to investigate and resolve it in a timely and fair manner.

In certain cases, Winum may request additional information or documentation from you in order to investigate the complaint thoroughly. You agree to cooperate in good faith with any such requests and to provide complete and accurate information. Once the investigation is complete, Winum will notify you of the outcome and, where appropriate, of any corrective measures or remedies offered. If you are not satisfied with the outcome of your complaint, you may have the option, depending on your jurisdiction and applicable regulations, to escalate the matter to an independent dispute resolution body or regulatory authority. Details of such bodies, if applicable, may be provided upon request or indicated in separate regulatory disclosures.

By using the Services, you agree that any disputes that cannot be resolved through internal complaint procedures or alternative dispute resolution mechanisms may be brought before the competent courts in accordance with the Governing Law section of these Terms. You further agree that you will not initiate any chargeback or payment dispute without first attempting to resolve the matter through Winum’s complaint process, and that unjustified chargebacks may result in Account suspension, the recovery of funds, and the reporting of your conduct to relevant authorities or credit agencies.

Governing Law

These Terms, and any dispute, controversy, or claim arising out of or in connection with them or your use of the Services, shall be governed by and construed in accordance with the laws applicable to the operator of Winum, without regard to conflict of law principles that would result in the application of the laws of any other jurisdiction. You agree that the courts having jurisdiction over the operator’s registered office shall have exclusive jurisdiction to hear and determine any legal action or proceeding arising out of or in connection with these Terms or the Services, subject to any mandatory rights you may have under consumer protection or other applicable laws.

Nothing in this Governing Law provision shall prevent Winum from seeking injunctive relief or other equitable remedies in any jurisdiction where such relief is necessary to protect our interests, enforce these Terms, or address actual or suspected unlawful conduct. In all cases, you agree to submit to the personal jurisdiction of such courts and to waive any objections based on venue or forum non conveniens, to the extent permitted by law. If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a competent court or authority, the remaining provisions shall remain in full force and effect.

Final Provisions

These Terms constitute the entire agreement between you and Winum with respect to your use of the Services and supersede any prior or contemporaneous agreements, understandings, or representations, whether written or oral, relating to the subject matter hereof. No waiver of any provision of these Terms shall be effective unless it is in writing and signed by an authorized representative of Winum, and any failure or delay by Winum to enforce any right or provision shall not be deemed a waiver of such right or provision. You may not assign, transfer, or delegate any of your rights or obligations under these Terms without the prior written consent of Winum, and any attempted assignment in violation of this provision shall be null and void. Winum may assign or transfer its rights and obligations under these Terms, in whole or in part, to any affiliated entity or successor in interest, subject to applicable law and regulatory approvals.

You acknowledge that your use of the Services may also be subject to additional terms and conditions imposed by third parties, such as app stores (including where you download Winum for iOS), payment providers, or telecommunications operators, and that you remain responsible for complying with such third-party terms. In the event of any conflict between these Terms and the terms of third-party providers, these Terms shall prevail in relation to your relationship with Winum, except to the extent that third-party terms are explicitly made paramount by law.

Your continued use of the Services confirms your understanding and acceptance of these Terms and your commitment to responsible gambling, legal compliance, and fair play. If you do not understand any part of these Terms or require clarification, you should contact Winum’s customer support before continuing to use the Services. By creating an Account, depositing funds, placing bets, or downloading and using any Winum iOS app, you reaffirm that you have read, understood, and agreed to be bound by these Terms and all policies referenced herein.