Introduction

These Terms and Conditions (the “Terms”) constitute a legally binding agreement between you and Winum, an online casino and gaming service provider (collectively, “Winum,” “we,” “us,” or “our”). By accessing, visiting, registering, or otherwise using the Winum website, the Winum mobile site, the Winum mobile version, or any related applications, you expressly agree to be bound by these Terms, our Privacy Policy, and any additional rules, policies, or guidelines that we may publish from time to time. These Terms govern all aspects of your relationship with Winum, including, without limitation, account registration, deposits and withdrawals, participation in games, bonuses and promotions, responsible gambling tools, and dispute resolution procedures. You should carefully read these Terms in their entirety before creating an account or engaging in any gambling activity through our services. If you do not agree with any provision contained in these Terms, you must not register, access, or use our gaming services, and you must immediately exit the website and any related platforms. Your continued use of the Winum services signifies your acceptance of and agreement to comply fully with these Terms on an ongoing basis.

Winum is dedicated to offering a secure, fair, and responsible online gaming environment for adult players located in jurisdictions where online gambling is lawful. While we strive to provide accurate and up-to-date information, we do not guarantee that our services will be uninterrupted, error-free, or always available. It is the responsibility of each user to ensure that accessing and using Winum’s services is legal under the laws of the jurisdiction in which they reside or from which they access the platform. By using our services, you acknowledge that online gambling involves financial risk, including the risk of losing real money, and you agree that you are solely responsible for your decisions and actions on the platform. We strongly encourage all players to gamble responsibly and within their financial means, and to take advantage of the responsible gaming tools we provide.

Acceptance of Terms

By creating an account, using the website, or accessing the Winum mobile site or Winum mobile version, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and any game-specific or promotion-specific rules. Acceptance of these Terms is a mandatory prerequisite for using our services, and you may not use the platform unless you agree to each and every provision contained herein. Your agreement to these Terms is deemed to take place upon the earliest of: completing the registration process, making a deposit, placing a wager, or otherwise interacting with any of our real-money gaming products. If you disagree with any part of these Terms, your sole and exclusive remedy is to discontinue using the Winum services and close your account in accordance with the procedures set out in these Terms. You also acknowledge that these Terms may be updated or amended from time to time, and it is your responsibility to review them periodically.

We reserve the right, at our sole discretion, to modify, update, or replace any part of these Terms at any time, subject to applicable laws and regulatory requirements. When material changes are made, we will endeavor to notify you by reasonable means, which may include displaying a prominent notice on the website, sending an email, or prompting you to accept new Terms upon your next login. Your continued use of the services after such changes have been posted or communicated constitutes your acceptance of the revised Terms. If you do not agree to any updated or amended Terms, you must stop using the services immediately and request account closure. In the event of any inconsistency between these Terms and any other documents or policies on our site, these Terms shall prevail, except where any specific game rules, promotional terms, or local jurisdictional rules expressly provide otherwise.

Eligibility & Age Restriction (18+ only)

Access to and use of Winum’s services are strictly limited to individuals who are at least 18 years of age or have reached the legal age of majority in their jurisdiction, whichever is higher. By registering an account or using the services, you represent and warrant that you meet this minimum age requirement and that you are legally permitted to participate in online gambling under the laws applicable to you. We take underage gambling extremely seriously and maintain robust controls to prevent persons under 18 years of age from accessing our services. Any use of our services by minors is strictly prohibited and constitutes a breach of these Terms. If we have reasonable grounds to suspect that you are under 18 or that the account is being used by a minor, we may immediately suspend or terminate the account, void any wagers, and withhold any winnings pending investigation.

You acknowledge that online gambling can present heightened risks to young people, including increased vulnerability to addiction, financial harm, and emotional distress. Parents, guardians, and responsible adults are strongly encouraged to make use of parental control tools and filtering software to prevent minors from accessing gambling websites, including Winum. If you share your device with minors, you should always log out of your account when finished and ensure that your login credentials remain private and secure. In the event that you become aware of any individual under 18 using our services, you agree to inform us immediately so that we can take appropriate action. We reserve the right to request proof of age at any time and to suspend account access until sufficient verification is obtained.

Account Registration

To access and use the gaming services offered by Winum, you must create a personal account by completing the registration process on the website, the Winum mobile site, or the Winum mobile version. During registration, you must provide accurate, current, and complete information, including but not limited to your full legal name, date of birth, residential address, email address, and any other details requested. You agree to update such information promptly in the event of any changes, ensuring that your account information remains accurate at all times. You are permitted to hold only one account with Winum, and the creation of multiple accounts by or for the same individual is strictly prohibited. If we identify or reasonably suspect duplicate accounts, we may consolidate, suspend, or close such accounts and void any bonuses or winnings associated with them.

You are solely responsible for maintaining the confidentiality and security of your login credentials, including your username and password, and for ensuring that no third party gains access to your account. Any activity performed through your account using your credentials will be deemed to have been carried out by you, whether or not you authorized such activity. You must notify us immediately if you suspect any unauthorized use of your account, breach of security, or compromise of your password. We may, at our discretion, implement additional security checks, such as two-factor authentication or identity verification procedures, to protect both you and us from fraud and unauthorized access. Winum reserves the right to refuse registration, close accounts, or deny access to the services to any individual for any reason permitted by applicable law, including failure to pass identity checks, suspected fraud, or violation of these Terms.

Deposits & Withdrawals

To participate in real-money gaming activities at Winum, you must deposit funds into your player account using one of the available payment methods listed on our website or in the cashier section. Deposits must be made in your own name, from payment instruments legally and rightfully belonging to you. You acknowledge that all deposits are subject to verification checks, transaction limits, and, in some cases, fees imposed by third-party payment processors or financial institutions. Funds deposited into your account are intended solely for gambling purposes, and you must not use your account as a bank account or for money transfer purposes. In certain situations, we may require additional documentation or verification before processing deposits or making funds available for wagering.

Withdrawals are subject to our internal review processes, applicable legal requirements, and anti-money laundering (AML) and know-your-customer (KYC) obligations. Before processing any withdrawal, we may require you to furnish proof of identity, address, payment method ownership, and any other documents deemed necessary to verify your eligibility and ensure the security of your funds. Withdrawal times may vary depending on the payment method selected, the volume of requests, and any additional security checks that may be required. We reserve the right to impose minimum and maximum withdrawal limits per transaction, per day, or per month, in accordance with our policies and applicable law. In the event of suspected fraudulent activity, chargebacks, or violation of these Terms, we may withhold or reverse deposits, refuse withdrawals, or freeze account balances pending investigation.

Payment Methods Table

The following table provides an illustrative overview of common payment methods that may be available on Winum. Availability and limits may differ based on your jurisdiction, verification status, and the Winum platform version (including Winum mobile site and Winum mobile version). Specific up-to-date information will always be presented in the cashier section of your account.

You understand that all transaction times are estimates and may vary based on third-party processors, network conditions, and the need for additional security or compliance checks. Any fees or charges applied by your bank, card issuer, e-wallet provider, or other financial institution are your responsibility. We are not liable for any delays, rejections, or additional costs imposed by external payment providers. You must not attempt to reverse or charge back any payments made to us without our prior consent, and any unauthorized chargebacks may result in immediate account suspension or closure and may be treated as a breach of these Terms. We reserve the right to report any fraudulent or suspicious payment behavior to relevant authorities and payment providers in accordance with applicable laws.

Bonuses & Promotions

From time to time, Winum may offer bonuses, free spins, cashback offers, tournaments, loyalty rewards, and other promotions (collectively, “Promotions”) to eligible players. All Promotions are governed by these Terms, as well as specific terms and conditions that may apply to each individual offer, which you must read and accept before participating. Such specific terms may include, for example, wagering requirements, minimum deposit amounts, maximum bet limits while wagering a bonus, time limits for using bonuses, game restrictions, and maximum convertible winnings. In the event of any conflict between these Terms and the specific promotion terms, the specific promotion terms will prevail with respect to that particular Promotion. You are solely responsible for understanding the relevant promotion terms before opting in or accepting any bonus, and by participating, you consent to be bound by all applicable conditions.

Bonuses and promotional rewards are intended for genuine recreational play and may not be abused or exploited in any manner contrary to our rules or unfairly advantage the player. Prohibited bonus practices may include, but are not limited to, hedging bets, placing low-risk wagers to clear wagering requirements, colluding with other players, or using multiple accounts to claim the same offer. If we reasonably suspect bonus abuse, we may, at our discretion, forfeit the bonus and any associated winnings, adjust account balances, or close the account altogether. Unless otherwise stated, bonuses are limited to one per person, household, address, email, telephone number, payment method, device, and shared IP address. Winum reserves the right to modify, suspend, or cancel any Promotion at any time, subject to applicable laws, and without prior notice where such change is necessary to maintain fairness or comply with regulatory requirements.

Game Rules

All games offered by Winum, including slots, table games, live dealer games, and any other casino-style offerings, are governed by the general rules described in these Terms, as well as individual game rules and paytables made available within each game interface. By participating in any game, you acknowledge that you have reviewed and understand the rules applicable to that specific game, including payout structures, betting limits, special features, and any other relevant information. The outcome of each game is determined by an underlying random number generator (RNG) or, in the case of live dealer games, by real-world events and procedures administered by professional dealers and game hosts. You understand that the rules of each game may differ, and you agree to be bound by the applicable rules whenever you place a wager. If you are unsure about any aspect of a game’s rules, you must refrain from playing until you have obtained a clear understanding, either from the game’s help section or by contacting customer support.

Winum reserves the right to alter, remove, or suspend any game or gaming category at its discretion, for reasons including but not limited to technical maintenance, regulatory changes, or integrity concerns. In the event of any system malfunction or game error, all affected bets and game rounds may be voided, and the stake associated with such bets or game rounds may be returned to you, subject to our investigation and applicable regulations. We do not guarantee that the games will always be available, uninterrupted, or free from technical faults, and we shall not be liable for any losses arising from technical failures beyond what is expressly provided for in these Terms. Players are responsible for confirming that their wagers have been properly placed and accepted by the system before relying on any potential outcome. Any disputes regarding game outcomes will be investigated thoroughly by Winum, and our records and logs, as validated by independent testing (where applicable), shall be considered final and conclusive.

Fair Play & RNG

Winum is committed to maintaining a fair, transparent, and trustworthy gaming environment for all players. To ensure fairness, the outcomes of our virtual games are determined by a certified random number generator (RNG), designed to produce random and unbiased results. The RNG is regularly tested and audited by independent, reputable testing laboratories to verify that it operates correctly, generates statistically random outcomes, and complies with applicable industry standards and regulatory requirements. These audits help ensure that neither Winum nor any player can manipulate the results of games in their favor. By using our services, you acknowledge and accept that all game outcomes are the product of chance and that no strategy, system, or pattern of play can influence the RNG’s randomness.

In addition to RNG-based fairness, we adhere to strict internal monitoring procedures and controls to detect and prevent collusion, cheating, and other forms of unfair play among players. We may use automated tools, manual reviews, and data analytics to identify unusual betting patterns, suspicious behavior, or potential exploitation of system vulnerabilities. If we believe that you have engaged in any unfair or deceptive practice, including but not limited to exploiting software errors, using automated software (bots), or participating in collusive schemes, we may suspend your account, void affected wagers, and withhold or confiscate winnings, subject to applicable law. We may also report such activity to relevant regulatory authorities if required. You agree to cooperate fully with any investigation into game fairness or suspected misconduct and to provide any information reasonably requested to assist in that process.

Responsible Gambling

Winum is deeply committed to promoting responsible gambling and to providing tools and resources that help players manage their gaming activity responsibly. We recognize that while many people gamble for entertainment and leisure, a small portion may experience difficulties, including loss of control, financial harm, or gambling-related problems. Our goal is to offer a safe environment where players can enjoy our services within sensible limits and maintain a healthy balance with other aspects of their lives. To that end, we offer a range of responsible gaming features, such as deposit limits, session reminders, cooling-off periods, and self-exclusion options. These tools are available to all eligible players, and we strongly encourage you to review and use them proactively to support your own safe play.

We also emphasize that gambling should never be viewed as a way to make money, pay debts, or solve financial difficulties. You are responsible for monitoring your own behavior and financial situation, and for setting limits that reflect your personal circumstances and risk tolerance. If you find yourself gambling more than you intended, chasing losses, or feeling stress or anxiety related to your gaming activity, you should consider taking a break and making use of our responsible gambling tools. Winum staff may be trained to recognize potential indicators of problem gambling and may reach out with information and advice if concerning patterns are detected, although we cannot guarantee identification in every case. Ultimately, the decision to gamble and the extent of your gambling activity remain your responsibility, and we encourage honest self-assessment and open communication with support professionals when needed.

Tools & Features (table)

Winum provides several key responsible gambling tools designed to help you manage your time and spending on the platform. Availability of certain tools may vary by jurisdiction and regulatory requirements, but we aim to offer the following core features wherever possible.

To activate or modify these tools, you can usually access the responsible gambling or account settings section of your profile. Some limit reductions or stricter settings may take effect immediately, while requests to increase or remove limits may be subject to a waiting or “cooling” period, in line with best practices and regulatory expectations. This delay is intended to protect you from impulsive decisions that might undermine your long-term control over your gambling habits. If you encounter difficulty setting or adjusting responsible gambling tools, you are encouraged to contact our customer support team for assistance. Please be aware that responsible gambling tools are effective only when used honestly; providing inaccurate information regarding your financial situation or ignoring the limits you set can significantly reduce their protective value.

Support Resources

In addition to providing on-site tools, Winum encourages players to seek support from professional organizations and services that specialize in gambling-related issues. If you feel that your gambling is out of control, causing financial hardship, or negatively impacting your relationships or mental health, it may be beneficial to contact an independent support organization. These organizations can provide confidential advice, self-assessment tools, counseling referrals, and, in some cases, support groups for individuals and families affected by problem gambling. While we do not control or endorse any particular third-party service, you may find assistance through general problem gambling helplines, online counseling services, or local mental health professionals.

Examples of such support resources may include national or regional problem gambling hotlines, online support communities, and organizations that specialize in addiction treatment and financial counseling. You are encouraged to research and contact services appropriate to your jurisdiction and personal needs, as availability can vary by region. Additionally, if you believe that a minor or vulnerable person is at risk due to gambling-related behavior, you should seek advice from relevant child protection or social services organizations. Parents and guardians can also make use of internet filtering software and device-based parental controls to prevent minors from accessing gambling websites. Winum’s commitment to responsible gambling includes providing information and guidance, but we cannot provide medical or psychological advice, and we recommend consulting qualified professionals for any health-related concerns.

Prohibited Activities

When using Winum’s services, you agree not to engage in any activity that violates these Terms, applicable laws, or the rights and interests of other players or third parties. Prohibited activities include, but are not limited to, attempting to register or play if you are under 18, accessing the platform from a restricted jurisdiction, or providing false or misleading information during registration or verification. You must not engage in fraudulent activities, such as using stolen payment details, conducting chargebacks without legitimate reason, or attempting to launder funds through the platform. Any use of automated tools, bots, scripts, or other software designed to manipulate gameplay, bypass security measures, or gain an unfair advantage over other players is strictly forbidden. Collusion with other players, whether to rig outcomes, share confidential information, or exploit software vulnerabilities, is equally prohibited.

You are also prohibited from interfering with the normal functioning of the website, Winum mobile site, or Winum mobile version, including by introducing malware, viruses, or malicious code, launching denial-of-service attacks, or hacking into our systems or networks. Accessing or attempting to access the accounts of other players, or harvesting their personal information, violates both these Terms and applicable data protection laws. You must not use our website or services to transmit, post, or store unlawful, defamatory, obscene, abusive, or otherwise objectionable content. Any commercial use of the platform, such as advertising, solicitation, or resale of services, without our express prior written consent, is not allowed. Winum reserves the right to investigate any suspected prohibited activity, report it to authorities where required, and take any legal or operational measures necessary to protect our interests and comply with applicable regulations.

Restricted Countries (table)

Certain jurisdictions prohibit or restrict online gambling, and Winum does not accept players from countries or territories where its services are not legally permitted. The list below provides examples of countries where access to Winum for real-money gaming may be restricted. This list is illustrative and may change from time to time based on regulatory developments and our licensing obligations. You are solely responsible for determining whether online gambling is legal in your jurisdiction before using our services.

The presence or absence of a country in this table does not constitute legal advice and does not guarantee that access to Winum is lawful in that jurisdiction. We may update our list of restricted countries at any time without prior notice, and it is your responsibility to check current restrictions before registering or playing. If we determine that you are accessing the platform from a restricted jurisdiction, we may suspend or close your account, void bets, and return remaining balances where legally required. Use of VPNs, proxies, or other technological means to disguise your location or circumvent geo-blocking measures is strictly prohibited and may be treated as fraudulent behavior. By using our services, you confirm that you are not located in a restricted jurisdiction and that you will not attempt to bypass any territorial restrictions we may implement.

Privacy & Data Protection

Winum is committed to protecting your privacy and handling your personal data in compliance with applicable data protection and privacy laws. When you register for an account or use our services, we collect and process certain personal information, such as your name, contact details, date of birth, payment information, and technical data related to your device and browsing behavior. This information is used for purposes including, but not limited to, account administration, customer support, payment processing, fraud prevention, responsible gambling monitoring, and compliance with legal and regulatory obligations. Our full data processing practices, including categories of data collected, legal bases for processing, and your privacy rights, are detailed in our Privacy Policy, which forms an integral part of these Terms. By using our services, you consent to the collection, use, and disclosure of your personal data as described in these Terms and the Privacy Policy.

We implement appropriate technical and organizational measures to safeguard your personal information against unauthorized access, accidental loss, alteration, or disclosure. Such measures may include encryption, secure socket layer (SSL) technology, firewalls, access controls, and regular security assessments. Despite our efforts to maintain robust security standards, no system can be guaranteed to be completely secure, and you acknowledge that you provide your data at your own risk, subject to applicable laws. We may share your personal data with trusted third-party service providers, such as payment processors, identity verification agencies, and IT support partners, solely for the purposes described in our Privacy Policy and under strict confidentiality obligations. In some cases, we may also disclose information to regulatory bodies, law enforcement agencies, or other authorities when required by law or to protect our legal interests.

You have certain rights regarding your personal data, which may include the right to access, correct, or delete your information, the right to restrict or object to specific processing activities, and the right to data portability, subject to legal limitations and legitimate interests. Requests to exercise these rights can be submitted through the contact methods described in our Privacy Policy or customer support page. We will endeavor to respond to such requests within applicable statutory timeframes and in accordance with our legal obligations. Please be aware that certain data may be retained for a period required by law or for legitimate business purposes, such as fulfilling AML and record-keeping obligations, even after your account is closed. By continuing to use Winum, you agree to the handling of your personal information in accordance with these principles.

Account Suspension & Termination

Winum reserves the right to suspend, restrict, or terminate your account at any time, in whole or in part, where we deem it necessary to protect our interests, comply with legal obligations, or enforce these Terms. Grounds for suspension or termination may include, but are not limited to, suspicion of underage gambling, fraud, money laundering, bonus abuse, collusion, or other prohibited activities. We may also suspend or close your account if we have reason to believe that you have provided false or misleading information, failed to complete required verification processes, or violated responsible gambling rules, such as attempting to circumvent self-exclusion measures. In some instances, we may place temporary restrictions on certain account functions, such as withdrawals or bonus eligibility, while we conduct a review or investigation. You agree to cooperate with any such investigation and to provide any information or documentation reasonably requested by us.

If we decide to close your account, we will, subject to applicable laws and our regulatory obligations, return any legitimate, unencumbered balance to you via a method of our choosing, unless such funds are required to be withheld or confiscated due to unlawful conduct or breaches of these Terms. In the case of self-exclusion, your account will be closed for the duration of the exclusion period, and you should not attempt to create a new account or request reactivation until the minimum exclusion period has expired. Players may also request voluntary account closure for reasons unrelated to self-exclusion, such as personal preference or inactivity, by contacting customer support. In all cases of termination or suspension, we may retain relevant records and information as required by law or for legitimate business purposes. You acknowledge that Winum shall not be liable for any loss, damage, or inconvenience arising from the suspension or termination of your account, except as otherwise provided in these Terms or required by applicable law.

Limitation of Liability

To the maximum extent permitted by applicable law, Winum, its affiliates, officers, directors, 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, or inability to use, our services. This includes, without limitation, damages for loss of profits, loss of data, business interruption, or loss of goodwill, even if we have been advised of the possibility of such damages. Our total aggregate liability to you for any and all claims arising from or related to your use of the services, whether in contract, tort, or otherwise, shall not exceed the total amount of deposits you have made into your account during the six-month period immediately preceding the event giving rise to the claim. Nothing in these Terms shall exclude or limit our liability for death or personal injury resulting from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

You acknowledge that you use the services at your own risk and that the games are for entertainment purposes only. We do not warrant that the services will be uninterrupted, timely, secure, or error-free, nor do we guarantee the accuracy, reliability, or completeness of any information presented on the website or in the games. While we take reasonable measures to prevent system failures and errors, we cannot be responsible for any loss or damage resulting from events beyond our reasonable control, such as internet outages, power failures, technical malfunctions, or third-party service interruptions. In such cases, our sole obligation, where applicable, will be to refund or re-credit any affected wagers or game entries, in accordance with our internal policies and regulatory requirements. By accepting these Terms, you agree to indemnify and hold harmless Winum from any claims, liabilities, losses, or expenses (including legal fees) arising from your misuse of the services, violation of these Terms, or infringement of any third-party rights.

Complaints & Dispute Resolution

Winum aims to provide a high standard of customer service and to resolve any issues or complaints in a fair and timely manner. If you have any concerns regarding your account, transactions, game outcomes, or any other aspect of our services, 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 arises and should include all relevant details, such as your account information, a clear description of the issue, and any supporting evidence like screenshots or transaction IDs. Our support team will acknowledge receipt of your complaint and endeavor to investigate and respond within a reasonable timeframe, subject to the complexity of the matter and any necessary internal reviews. You agree to cooperate with any investigation and to provide additional information if requested.

If, after following our internal complaint procedures, you are not satisfied with the outcome, you may have the option to escalate the dispute to an independent alternative dispute resolution (ADR) body or regulator, where such mechanisms are available under applicable law or licensing conditions. Information about any external dispute resolution options will be made available upon request or in our regulatory disclosures. Decisions made by an ADR entity may be binding or non-binding, depending on the applicable framework and your agreement to its terms. Nothing in this section prevents you from pursuing legal remedies through the courts, subject to the governing law and jurisdiction provisions set out in these Terms. However, we encourage you to exhaust all internal and, where available, ADR procedures before initiating legal action, as this may lead to a more efficient and cost-effective resolution.

Governing Law

These Terms, and any disputes or claims arising out of or in connection with them, their subject matter, or their formation, shall be governed by and construed in accordance with the laws specified in our licensing and regulatory disclosures, without giving effect to any choice or conflict of law provision or rule that would cause the laws of any other jurisdiction to apply. By using our services, you submit to the jurisdiction of the courts designated in our licensing documents for the resolution of any disputes that cannot be resolved through our internal complaint procedures or alternative dispute resolution mechanisms. You acknowledge that, due to the borderless nature of the internet, it is your responsibility to ensure compliance with any local laws that may apply to your use of the services, and that your access to the platform may be restricted where such compliance is not possible.

If you reside in a jurisdiction that does not permit the application of the designated governing law or jurisdiction, or which requires different legal protections, certain provisions of these Terms may not apply to you to the extent that they are inconsistent with mandatory local law. In such cases, the invalid or unenforceable provisions shall be deemed modified or replaced by valid and enforceable provisions that most closely reflect the original intent, while the remaining Terms continue in full force and effect. Nothing in these Terms shall deprive you of any mandatory legal rights you may have under the laws of your country of residence, where such laws apply and cannot be contractually excluded. You agree that any claim you may have arising out of or relating to the services must be brought within the time period prescribed by applicable law, after which such claim shall be permanently barred.

Final Provisions

These Terms, together with the Privacy Policy, any game rules, and specific promotion terms, constitute the entire agreement between you and Winum regarding your use of the services and supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or competent authority, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision, and any waiver must be in writing and signed by an authorized representative of Winum to be effective. You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent, whereas we may assign or transfer our rights and obligations, in whole or in part, to an affiliate or successor entity as part of a corporate transaction, subject to applicable laws.

Any headings or section titles used in these Terms are for convenience only and shall not affect the interpretation or construction of the provisions contained herein. Nothing in these Terms shall create or be deemed to create a partnership, joint venture, agency, or employment relationship between you and Winum. We reserve the right to modify, suspend, or discontinue any part of the services at any time without prior notice, provided such actions comply with applicable regulatory requirements. By continuing to access or use the website, the Winum mobile site, or the Winum mobile version, you acknowledge that you have read, understood, and agreed to be bound by these Terms as updated from time to time. If you do not accept these Terms or any future amendments, you must cease using the services and close your account in accordance with the procedures set forth above.