TERMS AND CONDITIONS
winari.com | Last updated: 2026-07-16
The English version prevails.
These Terms and Conditions are a legal and binding agreement between you and 3-102-949565 SOCIEDAD DE RESPONSABILIDAD LIMITADA, a company registered in accordance with the Law of Costa Rica with the registered address at Province 01 San Jose, County 02 Escasu, San Rafael, Guachipelin, 400 Meters North of Construplaza, Latitud Norte Building, Third Floor, In the Offices of Quatro Legal, and company registration number 3-102-949565, which is licensed by the Tobique Gaming Commission since 13 Feb 2026 to offer services under license number 0000146 according to the TGC Gaming Act 2023.
By accessing winari.com, registering an Account, placing a bet or otherwise using the Services, you agree to these Terms and Conditions and to the topic-specific policies incorporated by reference. If you do not agree, you must stop using the Services immediately.
These Terms operate as the general framework document. Detailed operational rules are set out in the Privacy Policy, Payments Policy, Crypto-Currency Policy, Responsible Gambling Policy, AML/KYC Policy, Game Rules, Bonus Terms, and any specific promotional terms or any other Policies which could be added on the website or through the official communication channels. In the event of any conflict between these Terms and Conditions and the other Policies, these Terms and Conditions shall prevail.
1. General Terms of Service
1.1 The Website provides online gaming services and related functionality, including games, product information, account tools, payment interfaces, communications and support services (the "Services").
1.2 We may update, modify, suspend or discontinue any part of the Website, Services, software, functionality or available games at our discretion, subject to applicable law and regulatory requirements.
1.3 We may amend these Terms and Conditions. Updated Terms will be published on the Website. Where changes are significant, we will notify customers and keep records of the notification in accordance with Tobique requirements.
1.4 You are responsible for familiarising yourself with the game rules, Bonus Terms, payment rules, and policies applicable to your use of the Services before placing any bet or transaction.
2. Eligibility, Jurisdiction and Restricted Use
2.1 You must be at least 18 years old, have legal capacity, and be legally permitted to participate in online gambling in the jurisdiction from which you access the Website. Underage gaming is prohibited and may be reported to the Tobique Gaming Commission.
2.2 You are solely responsible for determining whether your use of the Services is lawful in your jurisdiction. We do not provide legal advice on the legality of online gambling in your country or location.
2.3 You may not register, access or use the Services if you are physically located in, ordinarily resident in, or accessing from a Tobique Restricted Jurisdiction. Current Tobique Restricted Jurisdictions are: Afghanistan, Canadian Province of New Brunswick, China, Cuba, Central African Republic, Democratic Republic of Congo, Haiti, Iran, Iraq, Israel, Libya, Myanmar, North Korea, Russia, Somalia, South Sudan, Syria, United Kingdom, United States of America, Yemen, Venezuela.
2.4 The Company may also restrict additional jurisdictions for risk-appetite, payment-provider, game-provider, legal, operational or sanctions reasons. These additional restrictions do not by themselves mean that a jurisdiction is classified as Tobique banned or AML high-risk. Current additional Company restricted jurisdictions include: Armenia, Azerbaijan, Belarus, Kazakhstan, Kyrgyzstan, Tajikistan, Uzbekistan, Australia, Belgium, Canada (Ontario), Croatia, Denmark, France, Georgia, Guinea Bissau, Jamaica, Lebanon, Netherlands, Nicaragua, Pakistan, Panama, Philippines, Poland, Portugal, Spain, Switzerland, Turkey, Ukraine, Zimbabwe.
2.5 Where a jurisdiction is listed both as a Company-restricted jurisdiction and as a Tobique Enhanced Due Diligence jurisdiction, the restriction prevails unless senior management and the AMLCO/MLRO approve removal of the Company restriction and the required EDD controls are applied.
2.6 We may update restricted and EDD jurisdiction lists at any time in line with Tobique Gaming Commission requirements, sanctions, FATF guidance, payment provider requirements, game-provider restrictions, or Company risk appetite.
2.7 You must not use any technology, method or device intended to disguise or manipulate your location, including VPNs, proxy servers, remote desktop environments, IP-masking tools or similar services.
2.8 If we determine that you accessed the Services from a restricted jurisdiction or attempted to conceal your true location, we may suspend or close your Account, void bets, wagers, winnings and bonuses, cancel pending withdrawals, withhold deposited funds during an AML/KYC investigation, return funds to the source of funds where legally permissible, and report the activity to relevant authorities.
2.9 Employees, contractors, agents, representatives, affiliates, media partners, promotional partners, suppliers, service providers, licensees of the Company, and immediate family members of such persons are strictly prohibited from using the Services for real money under any circumstances. This prohibition is absolute and no exception, authorisation or waiver may be granted by any person, including any director, officer or member of senior management. Any account identified as belonging to or operated by such a person will be immediately terminated and all balances, bonuses and winnings will be forfeited.
2.10 Unauthorised activity by persons listed in clause 2.9 may result in Account closure, forfeiture of bonuses and winnings, review by the AMLCO/MLRO, and reporting where required.
2.11 You agree to indemnify and hold harmless the Company, its management, employees, partners and service providers against claims, liabilities, damages, losses or expenses arising directly or indirectly from your breach of jurisdictional or eligibility restrictions.
3. Account Registration, Account Security and Verification
3.1 To participate in games for real money, you must register a personal Account. You may hold only one Account. Duplicate Accounts are prohibited and may be closed, with winnings or bonuses derived from the duplicate activity voided.
3.2 The registration process requires genuine and accurate personal information, including at least your name, email address, date of birth and physical address. We may collect technical and background information such as IP address, device identifiers, cookies and other electronic footprint data.
3.3 Anonymous, fictitious, proxy or nominee accounts are prohibited. You must participate only on your own behalf and not as an intermediary for another person.
3.4 The customer is prohibited from transferring or selling their Account to another person. This prohibition includes the transfer of any assets of value of any kind, including ownership of accounts, winnings, deposits, bets, rights and/or claims connected with those assets, whether legal, commercial or otherwise. It also includes encumbrance, pledging, assigning, usufruct, trading, brokering, hypothecation and/or gifting in cooperation with a fiduciary or any other third party, company, natural or legal person, foundation or association in any form.
3.5 You must keep your login credentials confidential and secure. You are responsible for any activity conducted through your Account unless caused by our proven fault. You must notify Customer Support immediately if you suspect unauthorised access or misuse.
3.6 We commence identity and age verification at registration and may use electronic verification services, database checks, technical data, payment data and documentary evidence. Verification must be completed before the earlier of: (i) 30 days from first deposit; (ii) cumulative deposits reaching EUR 2,000 or currency equivalent; or (iii) your first withdrawal request. Winnings will not be paid until age and identity have been formally verified, determined at the exchange rate applicable at the time the relevant deposit is credited to the Customer's account.
3.7 We may request KYC, AML, source-of-funds, source-of-wealth, payment-method, address or other documents at any time in accordance with the AML/KYC Policy. If requested documents are not provided, we may suspend deposits, withdrawals and gameplay, and may close the Account where legally required or justified by risk.
3.8 You must keep your personal information up to date, including name, address, country of residence, email, telephone number and payment details. You may be required to periodically confirm that your information remains accurate.
3.9 If you are found to have gambled while under the age of 18, your Account will be closed, all bets will be voided, winnings will not be paid, and remaining balances will be handled in accordance with applicable law, the Responsible Gambling Policy, and Tobique requirements.
4. Player Account, Payments, Withdrawals, Refunds and Pending Bonuses
4.1 Deposits and withdrawals are governed by the Payments Policy. Cryptocurrency deposits and withdrawals are additionally governed by the Crypto-Currency Policy. AML/KYC controls apply to all transactions.
4.2 Player Accounts are not bank accounts or financial institution accounts. Customer funds do not accrue interest and may not be used for non-gambling financial services, fund cycling or money transmission.
4.3 Subject to legitimate restrictions, security checks, AML/KYC reviews, game rules, Bonus Terms, withdrawal limits and applicable payment-processing requirements, you may initiate withdrawal of your available cleared cash balance from your Account through the Website at any time.
Completion of any applicable deposit turnover requirement is not an absolute condition for submitting a withdrawal request. Where the applicable turnover requirement has not been completed, the withdrawal may be subject to an Early Withdrawal Administrative Fee in accordance with the Payments Policy.
4.4 Withdrawal processing, fees, same-method withdrawal requirements, payment verification, chargebacks, refunds, rollover requirements, account history and customer-fund protection are set out in the Payments Policy. Unless otherwise stated in applicable Bonus Terms or specific promotional terms, a deposit may be withdrawn without an Early Withdrawal Administrative Fee after the applicable three-times turnover requirement has been completed. Where the Customer requests withdrawal before completing that requirement, the Company may apply an Early Withdrawal Administrative Fee in accordance with the Payments Policy. Such fee is an administrative and payment-processing fee and does not constitute or replace any AML/KYC control. The withdrawal limits below are reproduced in both these Terms and the Payments Policy. The withdrawal limits table is maintained as a version-controlled table in the Payments Policy and may also be reproduced in these Terms, the Withdrawal section, and the Loyalty/VIP section of the Website. If, due to a technical, administrative or publication error, different withdrawal limits appear in these Terms and Conditions, the Payments Policy or any other section of the Website, the limits published in these Terms and Conditions at the time the withdrawal request is submitted shall prevail, provided that such limits have been duly approved under the Company’s change-control process and apply subject to applicable law and regulatory requirements.
| Loyalty Level | USD Day / Month | EUR Day / Month | CAD Day / Month |
|---|---|---|---|
| Levels 1-6 | 1,000 / 10,000 | 1,000 / 10,000 | 1,250 / 12,500 |
| Levels 7-9 | 1,250 / 12,500 | 1,250 / 12,500 | 1,500 / 15,000 |
| Levels 10-12 | 1,500 / 15,000 | 1,500 / 15,000 | 1,850 / 18,500 |
| Level 13 | 1,750 / 17,500 | 1,750 / 17,500 | 2,200 / 22,000 |
| Level 14 | 2,000 / 20,000 | 2,000 / 20,000 | 2,500 / 25,000 |
| Level 15 | 2,500 / 25,000 | 2,500 / 25,000 | 3,000 / 30,000 |
4.5 Where withdrawals are made in cryptocurrency, the applicable withdrawal limit shall be calculated using the exchange rate applied by the Company at the time the withdrawal is processed.
4.6 For the purposes of the withdrawal-limit table, "day" means a calendar day from 00:00 to 23:59 UTC and "month" means a rolling 30-day period from the first withdrawal request in that period. Where your Account balance is at least ten times greater than your total lifetime deposits, the maximum withdrawal amount may be limited to EUR 5,000 or currency equivalent per calendar month, regardless of loyalty level.
4.7 We may withhold, delay, cancel or return a transaction to the originating payment method where required by law, Tobique Gaming Commission direction, payment provider rules, sanctions controls, AML/KYC review, fraud investigation or the Payments Policy.
4.8 Before initiating a chargeback, payment dispute or reversal request with a bank, card issuer, payment provider or other third party, you must first contact Customer Support and allow us a reasonable opportunity to investigate and resolve the matter internally. Bad-faith or unjustified chargebacks may be treated as payment fraud under Section 6 and the Payments Policy.
4.9 You are responsible for paying all monies legitimately owed to the Company or its payment providers. You must make payments in good faith and must not reverse or attempt to reverse a valid payment to avoid legitimate losses, fees or obligations. You may be required to reimburse chargebacks, denials or reversals, associated losses, and an administrative fee as set out in the Payments Policy, except where prohibited by applicable law.
4.10 Pending or inactive deposit bonuses do not restrict, reserve or otherwise lock your real-money balance; do not affect the availability of real-money funds for gameplay or withdrawal; and do not become part of the active wagering balance unless and until activated. If you request a withdrawal before activating a pending deposit bonus, all inactive or non-activated deposit bonuses associated with the relevant deposit or promotion will be cancelled together with related future bonus entitlement. Once a bonus is activated, the applicable Bonus Terms, wagering requirements, restrictions and withdrawal conditions apply in full. The Company may apply this process manually, semi-automatically or automatically, but will not apply it retrospectively or differently between players in the same circumstances.
4.11 The Company may and at its discretion, approve withdrawal limits exceeding the standard daily or monthly limits set out in clauses 4.4 and 4.5. Any such decision shall be made on an individual basis and may take into account the Customer’s account history, verification status, payment history, loyalty status, gaming activity, responsible gambling considerations, AML/KYC requirements, security checks, payment-provider restrictions, applicable legal or regulatory requirements, and other relevant operational or risk factors. Any exception does not constitute a contractual entitlement and does not create an obligation for the Company to grant the same or a similar exception in the future or to any other Customer.
4.12. Currency exchange is not generally available on-site. Where currency conversion is required for deposits, balances, withdrawals, fees, limits or thresholds, the equivalent amount shall be determined using the exchange rate applied by the Company’s relevant payment service provider, crypto payment service provider or payment interface at the time the relevant transaction or fee is processed. Information about the applicable conversion rate or calculation method will be made available on the Website or through the payment interface where reasonably practicable.
5. Gaming Activity, Game Rules and Malfunctions
5.1 Once a bet has been confirmed, it cannot be cancelled without our written consent, except as required by the applicable game rules, these Terms or applicable law.
5.2 Game rules are accessible on the Website and within relevant games. They describe how to participate, winning outcomes, pay tables or odds, restrictions, jackpot rules, RTP information where applicable, and other product-specific rules.
5.3 If a game round is interrupted by loss of connection, you may be required to resume the unfinished round on your next login where technically possible. If a round cannot be completed due to a verified system error, the stake or outcome will be handled in accordance with the applicable game rules and aborted transaction procedures.
5.4 Malfunctions, technical errors, software errors or display errors void all affected bets and winnings. You must not exploit any malfunction or error and must notify Customer Support immediately if you become aware of any such issue.
5.5 Live betting or live game transmissions may be subject to delay or interruption. Where a delay is apparent or created by us, relevant information will be made available as required by applicable rules.
6. Fraudulent Activity and Prohibited Conduct
6.1 We maintain a strict zero-tolerance policy towards fraud, abuse, manipulation, advantage play, money laundering, terrorist financing, sanctions evasion, geolocation manipulation, or unlawful activity in connection with the Services. Any such activity is a material breach of these Terms.
6.2 Fraudulent or abusive behaviour includes, without limitation:
- Identity fraud and Account misuse: creating more than one Account; accessing or operating an Account for another person; providing false, misleading or forged documents; impersonation; proxy, nominee or anonymous Accounts; selling, transferring or acquiring Accounts.
- Payment fraud: use of stolen, unauthorised, third-party or mismatched payment methods; chargebacks or attempts to reverse payments; depositing or withdrawing on behalf of third parties; attempting to disguise the source of funds; causing a payment denial or reversal to avoid legitimate losses or obligations.
- Bonus abuse: using multiple Accounts to redeem bonuses; strategies designed to eliminate risk or guarantee winnings; exploiting game mechanics, bonus features or bonus rounds for unfair advantage; coordinated activity or collusion; accumulating bonus rounds or in-game value with bonus funds and redeeming them with real-money play.
- Manipulation of games or systems: use of bots, AI tools, auto-players, scripts or automated systems; collusion; exploiting bugs, glitches, malfunctions or technical errors; altering, modifying or interfering with game or communication protocols.
- Irregular or low-risk betting patterns: artificial, coordinated or minimal-risk wagering intended to manipulate the turnover calculation, recycle funds, disguise the source or destination of funds, or circumvent the Terms or Payments Policy, including excessive coverage of roulette or similar low-volatility strategies and unjustified stake switching.
- Money laundering and illicit activity: cycling funds without genuine play; converting deposits to withdrawals without meaningful gameplay; using the Website to obscure, transfer or dispose of funds; conduct connected to sanctions, terrorist financing or criminal property.
- VPN or geolocation manipulation: concealing true location, using proxy servers, VPNs, IP-masking tools or similar technologies, or accessing the Services from a restricted jurisdiction.
- Abusive conduct: harassment, threats, discriminatory, obscene, violent, offensive or defamatory conduct toward other players, staff or service providers.
6.3 If we suspect or determine that you have engaged in fraudulent or abusive behaviour, we may take one or more of the following actions: suspend or permanently close your Account; refuse, restrict, cancel or limit wagers; void winnings, bonuses or pending bets; cancel pending withdrawals; withhold funds pending investigation; request additional KYC/AML documentation and conduct enhanced due diligence; return funds to the originating payment method; report activity to payment providers, financial institutions, fraud prevention networks, the Tobique Gaming Commission, Direct Licensee, FIUs or law enforcement.
6.4 Any winnings, bonuses or funds derived, directly or indirectly, from fraudulent, abusive, irregular or prohibited activity are void and not payable.
6.5 You must notify us immediately if you become aware of any system error, glitch, malfunction, vulnerability or irregularity. Failure to notify us or attempting to exploit the issue will be treated as fraudulent behaviour.
6.6 You shall indemnify and reimburse us for all costs, charges, expenses, losses and damages, including consequential losses, reputational harm, payment processor fees and legal costs, arising directly or indirectly from fraudulent, dishonest, unlawful or abusive conduct.
6.7 Server records, transaction logs, game logs, blockchain analytics records and system audit logs are the primary evidence for resolving fraud, payment and game-outcome investigations, unless proved manifestly incorrect.
7. Dormant Accounts, Inactive Fees and Account Closure
7.1 You may request closure of your Account at any time. Available cleared funds will be returned in accordance with the Payments Policy, subject to lawful deductions, cancellation or settlement of outstanding bets, applicable Bonus Terms, and completion of required identity, security, fraud, sanctions and AML/KYC checks. Where an Account is closed due to self-exclusion, responsible-gambling concerns or loss of control, the three-times turnover requirement and the Early Withdrawal Administrative Fee shall not apply. If an Account-closure request indicates gambling harm or loss of control, the request will be handled as a responsible-gambling closure or self-exclusion under the Responsible Gambling Policy.
7.2 For Tobique regulatory purposes, an Account becomes a Dormant Account where no customer-initiated transaction, including login, deposit, withdrawal or placement of a wager, occurs for six consecutive months. At that point the Account is subject to additional supervision and protection, but funds are not voided solely because the six-month dormancy threshold has been reached.
7.3 If there is no Account Activity for eleven consecutive months and the Account remains in credit, we will notify you that an inactive-account fee may begin after twelve consecutive months of inactivity. The notice will explain the fee, your right to log in and withdraw funds, and the steps required to reactivate or close the Account.
7.4 No inactive-account fee will be charged unless the Account has had no Account Activity for twelve consecutive months or more, the Account remains in credit, and at least fourteen calendar days written notice has been sent to the Registered Email Address or other contact information held on file.
7.5 After the twelve-month threshold and notice period, an inactive Account that remains in credit may be charged an administrative maintenance fee of up to EUR/USD 5, or currency equivalent, per calendar month. The fee is limited to the remaining balance and will never reduce the Account below zero. The fee ceases when the Account is reactivated or closed. Where the fee is charged in cryptocurrency, the applicable fiat equivalent shall be determined using the exchange rate applied by the Company on the date the fee is charged.
7.6 During dormancy or inactivity, you retain the right to withdraw your available cleared balance, subject to the Payments Policy and AML/KYC checks. The Company will not use a six-month dormancy clause to void available funds. Funds may reach zero only through disclosed administrative fees applied under this Section, lawful deductions, completed withdrawals, or lawful regulatory disposition after the dormant account procedure is completed.
7.7 Outreach and management of dormant or inactive Accounts will be proportionate to the value of the Account balance. Higher-value balances may receive additional contact attempts before any fee is charged or closure process is completed.
8. Responsible Gambling and Underage Protection
8.1 We are committed to responsible gambling and to protecting minors and vulnerable persons. Detailed responsible gambling tools, self-exclusion procedures, account closure categories, cooling-off/time-out procedures, underage protection guidance and support information are set out in the Responsible Gambling Policy.
8.2 You may request gaming management tools such as deposit limits, loss limits, time reminders, time-outs, cooling-off periods or self-exclusion. Reduced limits will be implemented as soon as reasonably practicable. Requests to increase limits are subject to a 24-hour cooling-off period.
8.3 We may impose responsible gambling controls, including operator-imposed exclusion, where we identify indicators of problem gambling, underage activity, intoxication, threatening behaviour, cheating or collusion, in accordance with the Responsible Gambling Policy.
8.4 We will take reasonable steps to prevent marketing being sent to customers who are self-excluded, operator-excluded or subject to responsible-gambling closure.
8.5 A Customer who requests self-exclusion or whose Account is closed or restricted for responsible-gambling reasons will not be required to continue gambling in order to complete any deposit turnover requirement. The Early Withdrawal Administrative Fee will not apply to the return of the Customer’s available cleared balance in such circumstances, subject to necessary identity, payment-method, security, fraud, sanctions and AML/KYC checks.
9. Privacy and Data Protection
9.1 We collect and process personal data as described in the Privacy Policy. By registering or using the Services, you acknowledge that personal data may be processed for account administration, identity verification, AML/KYC compliance, responsible gambling, payment processing, fraud prevention, customer support, legal compliance and regulatory reporting.
9.2 Personal data may be disclosed to payment providers, game providers, hosting and technology providers, AML/KYC and fraud-prevention providers, regulators, the Tobique Gaming Commission, Direct Licensee, FIUs, law enforcement, courts, sports integrity bodies and other recipients described in the Privacy Policy.
9.3 Marketing communications are governed by the Privacy Policy and applicable consent rules. You may withdraw marketing consent without this being used as a basis to refuse the core Services, subject to legal and regulatory requirements.
10. Intellectual Property, Acceptable Use and Links
10.1 The Website, games, software, graphics, audio, video, text, trademarks, trade names and other content are owned by or licensed to the Company or its service providers and are protected by intellectual property laws.
10.2 You may use the Website and Services only for personal, non-commercial entertainment. You must not copy, modify, reverse engineer, reproduce, distribute, exploit, scrape, frame, deep-link or commercially use the Website or content without our prior written consent.
10.3 Links to the Website may be used only with our written consent. We are not responsible for third-party websites, services, internet service providers or payment providers except where required by law.
11. Limitation of Liability
11.1 You acknowledge that gambling involves risk and that you may lose money. The Services are provided on an "as is" basis subject to applicable law and regulatory requirements.
11.2 We do not warrant that the Website, games, software or Services will be uninterrupted, error-free, compatible with every device, or immune from cyber incidents. This does not limit liability that cannot be excluded under applicable law.
11.3 We are not liable for indirect, special or consequential losses, loss of profits, loss of data, loss of goodwill or business interruption arising from use of the Services, except where such liability cannot be excluded by law.
12. Complaints and Disputes
12.1 Customer service and complaint contact details are available on the Website. You may submit complaints and disputes 24/7 by email to [email protected] or through any other support channels displayed on the Website.
12.2 Complaints should include sufficient details, documents, screenshots, transaction IDs, game IDs and any other material needed to investigate the issue. We will preserve relevant material and investigate substantive complaints promptly.
12.3 Disputes about game outcomes or betting activity should be submitted as soon as possible and normally within 14 business days from the date the issue arose. Claims relating to account transaction errors or account statements should be submitted within 90 calendar days from the date the transaction first appeared on your Account statement, unless applicable law requires a longer period.
12.4 We aim to provide the outcome of our investigation within 14 business days where reasonably possible. If a dispute remains unresolved to your satisfaction within two months, it may be referred to an approved alternative dispute resolution entity, and both parties must comply with the ADR decision where required by Tobique rules.
12.5 Very serious complaints involving substantial sums or issues of public interest may be escalated to the Direct Licensee or Tobique Gaming Commission at an earlier stage.
13. Miscellaneous
13.1 We are not liable for delay or failure caused by events outside our reasonable control, including cyber-attacks, acts of God, civil commotion, industrial disputes, war, network shutdowns or similar events.
13.2 These Terms are drafted in English. If translated versions conflict with the English version, the English version prevails unless local law requires otherwise.
13.3 If any provision is found invalid or unenforceable, it will be amended to the minimum extent necessary to reflect the original intention, and the remaining provisions remain valid.
13.4 We may assign, transfer, sublicense or outsource any or all Services, provided this does not materially reduce your rights contrary to applicable law.
13.5 No waiver is effective unless made in writing. Failure to enforce a provision does not waive our right to enforce it later.
13.6 These Terms and incorporated policies constitute the agreement between you and us concerning use of the Website and Services.
13.7 Any court jurisdiction or governing law clause is subject to mandatory rights to complain to the Company, the Direct Licensee, the Tobique Gaming Commission, an approved ADR entity, or any authority whose jurisdiction cannot be excluded by contract.