Introduction

These Terms and Conditions (hereinafter referred to as the “Terms”) govern the use of the online gaming and gambling services offered under the brand name “Winum” (hereinafter referred to as “Winum”, “we”, “us”, or “our”). By accessing, visiting, registering an account, or otherwise using any services provided by Winum through its website, mobile site, applications, or associated platforms, you (hereinafter referred to as the “Player”, “you”, or “your”) acknowledge that you have read, understood, and agreed to be bound by these Terms. These Terms constitute a legally binding agreement between you and Winum and apply to all real-money and free-play activities, including but not limited to casino games, slots, Winum live casino games, and any promotional or loyalty services. It is your responsibility to review these Terms carefully before using our services, as they contain important information about your legal rights, obligations, and responsibilities. If you do not agree with any part of these Terms, you must immediately cease using the website and refrain from opening or maintaining an account. Your continued use of the services will be deemed as ongoing acceptance of these Terms, including any amendments published from time to time.

Winum is committed to operating in a transparent, fair, and responsible manner, with particular emphasis on legal compliance and player protection. We strive to provide an enjoyable and secure environment for online casino entertainment while promoting responsible gambling practices and preventing underage or unlawful gaming. These Terms should be read together with our Privacy Policy, Cookie Policy, Bonus Rules, Game Rules, and any other specific policies or guidelines that may be presented to you during your interaction with the platform. In case of any inconsistency between these Terms and any other document, these Terms will prevail unless explicitly stated otherwise. You are advised to print or save a copy of these Terms for your records and to revisit this page regularly to stay informed about any updates.

Acceptance of Terms

By ticking any “I agree” or similar checkbox, by clicking any button indicating acceptance of these Terms, or by using the services of Winum in any manner, you confirm that you fully accept and agree to be legally bound by these Terms. Acceptance is deemed to occur at the earliest of account registration, the first use of any game, or the first deposit of funds into your account. You also agree that your use of the services will comply with all applicable laws, regulations, and rules in your jurisdiction, including those governing online gambling and financial transactions. If at any time you disagree with these Terms or any amendment to them, your sole remedy is to stop using the services and request closure of your account in accordance with the procedures described herein. Should you continue using Winum after changes to the Terms have been posted, such continued use shall be deemed as conclusive acceptance of the amended Terms.

You acknowledge that these Terms may be updated, modified, or supplemented from time to time to ensure compliance with legal requirements, regulatory recommendations, or operational needs. Winum reserves the right to change any part of these Terms at its discretion, and where required by applicable law, we will provide notice through suitable means such as on-site notifications, email communication, or announcements. It is your responsibility to review the Terms regularly and to remain informed about any updates, as you will be bound by the current version in force at the time of each transaction. If we introduce material changes that significantly affect your rights or obligations, we may request your renewed acceptance, and your inability or refusal to accept such changes may result in suspension or closure of your account. No verbal statements or representations by any employee, agent, or affiliate of Winum shall alter or override these Terms, and any such assurances shall not be binding unless confirmed in writing by Winum.

Eligibility & Age Restriction (18+ only)

Access to and use of the services offered by Winum is strictly limited to individuals who are at least 18 years of age, or the minimum legal age for gambling in their jurisdiction, whichever is higher. By registering an account, depositing funds, or participating in Winum casino or Winum live casino games, you expressly warrant and represent that you meet this age requirement and that you have full legal capacity to enter into a binding agreement under the laws applicable to you. Underage gambling is strictly prohibited, and Winum takes robust measures to prevent minors from accessing or using the platform, including identity verification checks, age confirmation procedures, and the right to request additional documentation at any time. If we discover or have reasonable grounds to suspect that you are under the legal minimum age, your account will be immediately suspended, all activity will be frozen, and any winnings may be forfeited, subject to applicable law and regulatory requirements. Parents, guardians, and responsible adults are strongly advised to take precautions, such as installing parental control software, to prevent minors from accessing online gambling sites.

Young people are particularly vulnerable to the risks associated with gambling, including financial harm, emotional distress, and the potential development of problematic gambling behaviours. Winum is committed to protecting minors by ensuring that its marketing, promotional materials, and communications do not target or appeal to individuals under 18, and by declining any attempt to create an account with false age information. If you are aware of any individual under the age of 18 or below the legal gambling age in their jurisdiction who is using or attempting to use our services, you are obliged to contact us immediately so that we can take appropriate action. We also encourage schools, youth organisations, and parents to educate young people about the risks of online gambling and the importance of staying away from such activities until they are of legal age and able to make informed decisions. Acceptance of these Terms includes your agreement not to assist any minor in accessing Winum or in placing bets or wagers on our platform.

Account Registration

To participate in real-money games and services at Winum, you must first complete the account registration process and open a personal player account. During registration, you will be required to provide accurate and complete information, including but not limited to your full name, date of birth, residential address, email address, mobile number, and any other details we may reasonably request. You warrant that all information supplied is truthful, up-to-date, and not misleading, and you agree to promptly update your details whenever any change occurs, such as a change of address or contact number. Winum reserves the right to verify your identity and eligibility through Know Your Customer (KYC) procedures, which may include requesting documents such as a government-issued ID, proof of address, payment method ownership proof, and any other documentation considered necessary for compliance purposes. Failure to provide requested documentation in a timely or satisfactory manner may lead to suspension or closure of your account and withholding of funds, subject to applicable laws.

Each Player is permitted to hold only one active account with Winum, and multiple accounts per person are strictly prohibited. Opening more than one account, whether under your own name or using alternative details, may result in the closure of all related accounts, confiscation of any bonuses, and potential forfeiture of winnings obtained through duplicated accounts. You must choose a secure username and password, maintain the confidentiality of your login credentials, and ensure that no third party gains access to your account. You are solely responsible for all activities conducted through your account, whether or not you personally authorised them, until you notify us of any suspected unauthorised access. If you suspect that your account details have been compromised, you must immediately change your password and contact our customer support so that we can secure your account. Winum shall not be liable for any loss or damage suffered as a result of unauthorised use of your credentials, unless such use is directly caused by our failure to maintain reasonable security measures.

Deposits & Withdrawals

In order to play real-money games at Winum, you must deposit funds into your player account using one of the approved payment methods available on the platform. All deposits must originate from payment instruments (such as bank accounts, cards, or digital wallets) that are registered in your own name; use of third-party payment methods is strictly prohibited and may lead to account suspension or regulatory reporting. Deposited funds will be credited to your account balance once the transaction is successfully processed, though processing times may vary depending on the payment provider, banking channels, and any additional verification checks required. You acknowledge that certain fees, currency conversion costs, or intermediary bank charges may apply, and these are your responsibility and not that of Winum, unless explicitly stated otherwise. We reserve the right to set minimum and maximum deposit limits, both per transaction and over specific time periods, and these limits may differ based on your chosen payment method, your player status, and applicable legal or regulatory requirements.

Withdrawals from your Winum account can be requested at any time, subject to verification checks, wagering requirements (where bonuses are involved), and compliance with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations. We may require you to use the same payment method for withdrawals as you used for deposits, where possible, in line with regulatory best practices and to ensure that funds are returned to their original source. All withdrawal requests are processed in the order they are received and within reasonable time frames; however, delays may occur due to additional security checks, incomplete KYC documentation, or issues with external payment providers. Winum reserves the right to impose withdrawal limits and to split large payouts into instalments as permitted by applicable laws and internal policies. If your account remains inactive for a prolonged period, or if regulatory requirements necessitate additional checks, we may withhold withdrawals until such checks are satisfactorily completed.

Payment Methods Table

You understand and agree that Winum does not guarantee the availability of any particular payment method at all times, and we may add, modify, or remove payment options at our discretion. Some payment methods may be available only in certain countries or regions and may be subject to additional verification requirements or transaction limits. It is your responsibility to ensure that you comply with the terms and conditions set by your bank, card issuer, wallet provider, or any other financial institution involved in the transaction. Winum shall not be responsible for any delays, refusals, or reversals caused by third-party payment providers or for any losses arising from such issues, except to the extent required by applicable law. If a chargeback, reversal, or dispute is initiated regarding any deposit, Winum reserves the right to deduct the disputed amount from your balance, suspend your account, and seek reimbursement through any lawful means.

Bonuses & Promotions

Winum may, from time to time, offer bonuses, free spins, cashback offers, tournaments, loyalty rewards, or other promotional incentives to eligible players. Each bonus or promotion will be subject to its own specific terms and conditions, including but not limited to eligibility criteria, wagering requirements, maximum bet limits while playing with bonus funds, game restrictions, validity periods, and maximum convertible winnings. By claiming or accepting any bonus, you confirm that you have read, understood, and agreed to the relevant promotional terms in addition to these general Terms. Bonus funds, free spins, or other promotional credits may have to be wagered a certain number of times before they can be converted into withdrawable cash, and failure to meet these requirements within the specified time frame may result in forfeiture of the bonus and any associated winnings. Certain games, such as low house-edge table games or particular slots, may contribute differently or not at all towards wagering requirements, and such details will be clearly described in the bonus terms.

Winum reserves the right to modify, suspend, or cancel any bonus or promotion at any time without prior notice, provided that such changes do not adversely affect players who have already opted in or commenced wagering under a valid offer, except where necessary to comply with applicable laws or regulatory guidance. We may restrict certain bonuses to specific player segments, countries, or payment methods, and we reserve the right to withhold or reclaim a bonus or any associated winnings in cases of suspected abuse, bonus hunting, or breach of these Terms. Prohibited bonus practices may include, but are not limited to, using multiple accounts, collusion, placing low-risk bets to meet wagering requirements, or exploiting any obvious error or loophole in the promotional structure. In cases of suspected irregular play, Winum may review your gameplay and transaction history, and where evidence of abuse is found, we may cancel bonuses, forfeit winnings, and close your account. Participation in any promotional campaign is entirely voluntary, and you are free to decline or opt out of bonuses if you prefer to play with real-money funds only.

Game Rules

All games offered on the Winum platform, including slots, table games, Winum live casino games, and any other interactive products, are governed by specific rules that are either displayed within the game interface or accessible through dedicated game information pages. It is your responsibility to familiarise yourself with these rules before placing any wagers, as your participation in a game constitutes acceptance of the applicable rules. Game rules typically cover aspects such as betting limits, payout structures, special features, jackpot conditions, and the determination of outcomes. In the event of any discrepancy between the game rules displayed within a particular game and these Terms, the rules provided within the game will generally take precedence for that specific product, except where a clear error is demonstrated. Winum may change, update, or remove games from the platform at its discretion, and such changes may occur without prior notice, although we will endeavour to minimise disruption to your gaming experience.

All bets placed on Winum are considered final once accepted by our servers and cannot be cancelled or altered by the Player once the game round has commenced. It is your responsibility to ensure that the details of your bets are correct before confirming them, including stake size, selected game or table, and any configuration options. In the event of any malfunction, connectivity problem, or technical error affecting a game, Winum will apply a fair and transparent resolution process, which may include voiding affected bets and refunding stakes or reinstating the position to a previous validated state. Where the display of a game outcome differs from the result registered on the game server, the result stored on the server shall be considered the official and binding outcome. If a game is interrupted due to technical reasons, many games will allow you to resume from the last known state once the issue is resolved; if this is not possible, the round may be voided, and your stake refunded.

Fair Play & RNG

Winum is committed to providing a fair and transparent gaming environment where all Players have an equal chance of winning in accordance with the rules of each game. Our virtual casino games use a Random Number Generator (RNG) to determine the outcomes of game rounds, ensuring that results are random and not predictable or manipulable. The RNG is subject to regular testing and certification by independent testing agencies or auditors, in line with industry standards and regulatory expectations. These tests are designed to ensure that game outcomes are statistically random, not biased in favour of either the Player or the house beyond the predefined theoretical return to player (RTP), and compliant with technical fairness requirements. While chance dictates the outcome of most games, and short-term variance can result in winning or losing streaks, over the long term, the game’s RTP and house edge will generally prevail.

The Winum live casino offering utilises physical equipment such as cards, wheels, and dice, and is operated by professional live dealers under controlled conditions. These games are monitored and recorded to ensure compliance with game rules and to address any disputes that may arise. Any attempt by a Player to manipulate game outcomes, exploit software or system vulnerabilities, or use external aids (such as bots, scripts, or automated decision tools) to gain an unfair advantage is strictly prohibited and may result in immediate termination of services. Winum reserves the right to investigate any suspected irregular betting patterns, collusion, or unfair strategies and to report such activities to relevant authorities where appropriate. In cases where fair play is compromised or suspected to be compromised, Winum may void affected bets, withhold winnings, and close accounts in order to safeguard the integrity of the platform.

Responsible Gambling

Winum is firmly committed to promoting responsible gambling and to providing a safe environment where entertainment remains within sensible and controlled limits. Gambling is a form of entertainment and should never be viewed as a way to earn income, repay debts, or solve financial difficulties. We encourage all Players to gamble responsibly, to set clear budgets, and to monitor the time and money they spend on Winum casino and Winum live casino games. If at any point gambling stops being fun or starts to create stress, financial tension, or conflicts with family, work, or social life, we strongly advise you to seek help immediately and to consider using our responsible gaming tools. Under no circumstances should minors or individuals who have self-excluded or been excluded by law be allowed to use our services, and we actively seek to prevent access by such individuals.

We acknowledge that a small proportion of individuals may develop gambling-related problems, and Winum takes this risk seriously by providing preventive information, practical tools, and access to support resources. Responsible gambling is a shared responsibility between Winum and the Player, and you are expected to use the available tools and to act prudently at all times. You should never gamble with money you cannot afford to lose, and you should avoid chasing losses or increasing bets impulsively after a loss. We recommend that you take regular breaks, avoid playing when under the influence of alcohol or drugs, and refrain from using gambling as an escape from personal problems, stress, or depression. If you suspect that gambling is becoming problematic, you should immediately utilise our self-exclusion or cooling-off options and contact support organisations for professional guidance.

Tools & Features (table)

Support Resources

In addition to the technical tools and account controls available on the platform, Winum encourages Players to seek support if they feel that their gambling behaviour may be becoming problematic. We make information available on our website about responsible gaming, including tips for safer play, self-assessment questions, and links to independent support organisations. Examples of such organisations include generic national or international helplines, counselling services, and online support groups dedicated to gambling-related issues. These independent services can offer confidential advice, emotional support, and practical strategies for regaining control over your gambling and related finances. We recommend that you contact a healthcare professional or counsellor if you suspect that gambling is affecting your mental health, relationships, or work performance.

If you have self-excluded from Winum or requested a long-term block, we strongly recommend that you do the same with other gambling operators and financial institutions that may facilitate gambling-related transactions. You may also consider installing specialised software that blocks access to gambling websites and applications on your devices, providing an extra layer of protection. Family members or friends who are concerned about a loved one’s gambling may find it helpful to consult support organisations that offer advice on how to address the issue sensitively and constructively. Winum’s customer support team is trained to handle responsible gambling inquiries and to guide you towards appropriate tools and resources, although they cannot provide professional counselling. By using our services, you acknowledge that responsible gambling is a personal responsibility, but one that Winum actively supports through information, tools, and assistance.

Prohibited Activities

When using Winum, you agree not to engage in any activity that is illegal, fraudulent, abusive, or otherwise in violation of these Terms or applicable law. Prohibited activities include, but are not limited to, creating multiple accounts, providing false or misleading information, using stolen or unauthorised payment methods, or attempting to circumvent geographic or legal restrictions via virtual private networks (VPNs), proxies, or similar technologies. Any attempt to manipulate game outcomes, exploit software bugs, or use automated tools, bots, or scripts to place bets or make decisions is strictly forbidden. Collusion with other Players, chip dumping, or any form of cooperative strategy intended to gain an unfair advantage over the house or other users is also prohibited. You must not resell or transfer your account, share your login credentials with third parties, or allow others to place bets on your behalf.

It is strictly prohibited to use Winum for any purpose other than legitimate, personal entertainment consistent with our Terms and the laws applicable to you. You may not use the platform for money laundering, terrorist financing, or any other criminal or unlawful purpose, and Winum will report any suspicious transactions to the relevant authorities as required by AML and CTF regulations. Attempts to hack, attack, or disrupt our systems, interfere with the proper functioning of the website, or gain unauthorised access to other Players’ accounts or personal data are serious violations and may result in immediate termination of your account and legal proceedings. Use of offensive, discriminatory, or harassing language towards other players or our staff, whether via chat, email, or other communication channels, is not tolerated and may lead to sanctions, including chat restrictions or account closure. Winum reserves the right to suspend or close accounts, void bets, and withhold funds where prohibited activities are suspected or confirmed, subject to regulatory obligations and due process.

Restricted Countries (table)

Winum’s services are not intended for use in all jurisdictions, and access may be restricted in certain countries or territories due to legal, regulatory, or commercial reasons. It is your sole responsibility to ensure that your use of our services is lawful in the jurisdiction where you are located or reside. If you are located in a restricted country, you must not create an account, deposit funds, or participate in any games or promotions. Winum reserves the right to implement geo-blocking, IP blocking, or other technological measures to prevent access from restricted jurisdictions, but such measures do not relieve you of your responsibility to comply with local laws. The following table provides a non-exhaustive illustration of types of restrictions that may apply; the actual list of restricted countries may change from time to time without prior notice.

The above table is indicative and does not constitute a full or final list of restricted locations. Winum may, at its discretion and without obligation to provide detailed justification, refuse to open an account, close an existing account, or cancel access to services if it believes that a Player is located in or associated with a restricted country. Use of VPNs, proxies, or similar tools to misrepresent your location or to bypass geo-restrictions is strictly prohibited and may lead to forfeiture of winnings and closure of your account. You are encouraged to consult local legal advice if you are uncertain about the legality of online gambling in your jurisdiction. By using Winum, you confirm that you are not breaching any laws or regulations applicable to you.

Privacy & Data Protection

Winum is committed to protecting your privacy and handling your personal data in a transparent, secure, and lawful manner. When you register an account or use our services, we collect and process certain personal information about you, such as your identity details, contact information, transaction history, device information, and information about your gaming activity. This data is processed for purposes including account administration, provision of services, fraud prevention, AML and CTF compliance, responsible gambling monitoring, and, where permitted, marketing communications. Our data processing activities are governed by our Privacy Policy, which explains in greater detail the types of data we collect, the legal bases for processing, data retention periods, and your rights with respect to your personal information. By accepting these Terms and using our services, you also acknowledge and agree to the practices described in the Privacy Policy.

Your personal data may be shared with third parties in limited circumstances, such as with payment service providers, identity verification partners, game providers, or regulatory authorities, but only where necessary for the provision of services, for legal compliance, or with your explicit consent. Winum implements appropriate technical and organisational measures to protect your data against unauthorised access, alteration, disclosure, or destruction, including encryption, access controls, and secure data storage practices. You have certain rights in relation to your personal data, which may include the right to access, rectify, or delete your information, as well as the right to restrict processing or object to certain uses, subject to legal and regulatory limitations. Requests to exercise these rights can be submitted through our customer support channels or as described in the Privacy Policy. While we strive to protect your data, you acknowledge that no system is entirely immune from security risks, and you agree to also take reasonable precautions, such as maintaining the confidentiality of your login credentials and using secure networks when accessing your account.

Account Suspension & Termination

Winum reserves the right to suspend, restrict, or terminate your account at any time, in its sole discretion, where there are reasonable grounds to believe that you have breached these Terms, engaged in prohibited activities, or violated applicable laws or regulations. Suspension may be temporary or indefinite and can involve blocking your ability to log in, deposit, wager, or withdraw funds while an investigation is conducted. Grounds for suspension or termination include, but are not limited to, providing false information, suspected fraud or money laundering, abuse of bonuses, chargebacks, collusion, use of automated tools, underage gambling, or failure to complete required KYC processes. During any period of suspension, Winum may withhold the release of funds, void bets, or freeze bonuses where necessary to protect the integrity of our systems and to comply with legal obligations. If the investigation confirms a serious breach or illegal conduct, we may proceed to permanent termination of the account and, subject to law, forfeiture of funds associated with the offending behaviour.

You may also choose to close your account at any time by contacting customer support, subject to the settlement of any outstanding balances and completion of any necessary verification. In cases of voluntary closure that are not related to self-exclusion or responsible gambling, you will typically be allowed to withdraw any remaining real-money balance, provided no fraud or breach is suspected. If you wish to close your account due to gambling-related concerns, you are encouraged to use the self-exclusion facility instead of simple closure, as this provides stronger protection against re-opening and future gambling. Winum may retain certain personal and transactional data after account closure as required by law, particularly for AML, CTF, and regulatory reporting purposes, but such data will be handled in accordance with our data protection commitments. Any balances remaining in an account that is inactive for an extended period may be treated in accordance with applicable unclaimed funds regulations or internal policies, and we may charge reasonable administrative fees where permitted by law.

Limitation of Liability

To the fullest extent permitted by applicable law, Winum, its affiliates, officers, employees, agents, and suppliers shall not be liable for any indirect, incidental, consequential, punitive, or special damages arising out of or in connection with your use of the services, whether based on contract, tort, negligence, strict liability, or otherwise. This includes, without limitation, damages for loss of profits, loss of data, loss of goodwill, or business interruption, even if Winum has been advised of the possibility of such damages. Our total aggregate liability to you for any and all claims arising from or in connection with your use of the services shall not exceed the lesser of (a) the amount of bets you have placed via your account in the six months immediately preceding the event giving rise to the claim, or (b) an amount specified by applicable law as the mandatory minimum. Nothing in these Terms shall exclude or limit any liability that cannot be excluded or limited under applicable law, such as liability for death or personal injury caused by our negligence or for fraud.

You acknowledge that online gambling inherently involves risk and that you may lose money as well as win. You agree that you are fully responsible for any losses incurred as a result of your participation in the games and that Winum shall not be liable for such losses. You also acknowledge that the services are provided on an “as is” and “as available” basis and that we make no warranty or representation regarding the uninterrupted, error-free, or secure operation of the platform. While we strive to maintain high standards of security and reliability, we cannot guarantee that the website or games will be free from bugs, errors, delays, or interruptions, and we shall not be liable for any technical failures, network issues, or incompatibilities that may affect your gaming experience. It is your responsibility to ensure that your hardware, software, internet connection, and security settings are suitable and compatible with the use of the Winum platform.

Complaints & Dispute Resolution

Winum is committed to handling complaints and disputes in a fair, transparent, and timely manner. If you have a complaint regarding any aspect of our services, including game outcomes, account management, financial transactions, or the conduct of our staff, you should first contact our customer support team through the designated channels, providing all relevant details and supporting evidence. We will acknowledge receipt of your complaint and will strive to investigate and respond within a reasonable timeframe, depending on the complexity of the matter. During the investigation, we may request additional information or documentation from you and from relevant third parties, such as payment providers or game studios. You agree to cooperate fully with any reasonable requests we make in connection with a complaint investigation.

If you are not satisfied with the initial response from our customer support team, you may request that your complaint be escalated to a higher level of review within the organisation. Winum may also, where appropriate and subject to applicable law, refer unresolved disputes to an independent dispute resolution body or alternative dispute resolution (ADR) service. Decisions made by such bodies may be binding or non-binding depending on the applicable regulations and the terms of engagement. You retain the right to pursue remedies through the courts of competent jurisdiction, as described in the Governing Law section, but we encourage you to first exhaust internal and, where available, ADR processes, as these may provide quicker and more specialised resolutions. All complaints should be made as soon as reasonably possible after the event in question, and undue delay may affect our ability to investigate or to retrieve necessary records, although we will always act in good faith to address legitimate grievances.

Governing Law

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, shall be governed by and construed in accordance with the laws applicable to the operating entity behind Winum, without regard to any conflict of law provisions that would result in the application of the laws of another jurisdiction. You agree that the courts of the relevant jurisdiction, as specified in the legal notices or operator information on the website, shall have exclusive or, where permitted, non-exclusive jurisdiction to settle any disputes arising out of or in connection with these Terms or your use of the services. This does not affect any mandatory rights you may have under the laws of your country of residence, where such rights cannot be legally excluded. If you access the services from outside the primary operating jurisdiction, you do so of your own volition and are responsible for compliance with local laws to the extent that they are applicable.

The choice of governing law is intended to provide a clear and predictable legal framework for both Winum and its Players, particularly in relation to contract formation, performance, and interpretation. In the event of disputes relating to consumer rights, unfair contract terms, or other regulatory matters, Winum will cooperate with competent authorities and adhere to any binding decisions or directions issued by them. Nothing in this Governing Law clause shall prevent Winum from seeking injunctive or equitable relief in any jurisdiction where such relief is necessary to protect its intellectual property, confidential information, or system integrity. By accepting these Terms, you expressly consent to the jurisdiction and venue specified and waive any objection to proceedings brought in such courts on the grounds of inconvenient forum or otherwise.

Final Provisions

These Terms constitute the entire agreement between you and Winum regarding the use of the services and supersede any prior or contemporaneous agreements, understandings, or representations, whether oral or written, relating to the same subject matter. If any provision of these Terms is found by a court or competent authority to be invalid, illegal, or unenforceable, that provision shall be severed to the extent necessary, and the remaining provisions shall continue in full force and effect. No failure or delay by Winum in exercising any right, power, or remedy under these Terms shall operate as a waiver of that or any other right, nor shall any single or partial exercise preclude any further exercise of the same or of any other right or remedy. You may not assign, transfer, or sublicense any of your rights or obligations under these Terms without our prior written consent, whereas Winum may assign or transfer its rights and obligations to another entity as part of a corporate restructuring, merger, or sale of business, provided that such transfer does not materially reduce your protections under these Terms.

Any notices or communications from Winum to you may be delivered via email, on-site notifications, SMS, or other electronic means using the contact details you provided during registration or as subsequently updated. It is your responsibility to ensure that your contact information remains accurate and that you regularly check for communications from us, as they may contain important information regarding your account, changes to these Terms, or legal updates. These Terms are made available in English, and in the case of any translation discrepancy, the English version shall prevail. By continuing to access and use Winum’s services, you affirm that you have read, understood, and agree to abide by these Terms, including all referenced policies and rules. If you do not accept any part of these Terms, you must immediately cease using the services and request closure of your account in accordance with the procedures described above.