Terms and Conditions

1. Acceptance of Terms

Your use of Irwin Casino — including browsing the site, creating an account, depositing funds, placing wagers or claiming a bonus — constitutes your express acceptance of these Terms. If you do not agree with any provision, you must immediately stop using the service and may request closure of any account already opened. We may from time to time post updated versions of these Terms (see Section 22); continued use after a material change counts as acceptance of the updated version.

2. Definitions

Unless the context otherwise requires, the following capitalised terms have the meanings given below:

Account

Your registered Irwin Casino player account.

Bonus Funds

Promotional credit issued to you that has not yet satisfied its wagering requirement.

Cash Balance

The portion of your account balance composed of deposited funds and converted winnings, available for withdrawal.

KYC

Know Your Customer — the verification process by which we confirm your identity, age and source of funds.

AML

Anti-Money Laundering — the regulatory framework that obliges us to prevent and report financial crime.

PEP

Politically Exposed Person — an individual entrusted with prominent public functions, subject to enhanced AML screening.

FINTRAC

The Financial Transactions and Reports Analysis Centre of Canada, the federal AML supervisor.

CASL

The Canadian Anti-Spam Legislation, which governs commercial electronic messages.

PIPEDA

The Personal Information Protection and Electronic Documents Act, Canada's federal privacy statute.

Verified Account

An account that has completed full KYC and is permitted to withdraw without further documentary checks.

Wagering Requirement (WR)

The number of times a bonus must be wagered before associated winnings become withdrawable cash.

Contribution Rate

The percentage by which each game category contributes to a bonus wagering requirement.

Bet Receipt

The server-generated confirmation of an accepted wager — the binding record of the bet.

Reverse Withdrawal

The cancellation of a pending withdrawal request before it has been processed, returning the funds to the player's playable balance.

Self-Exclusion

An enforceable block placed on the account at the player's request, for a chosen period or permanently.

Force Majeure

An event outside our reasonable control, including but not limited to acts of God, war, civil unrest, cyber-attack, government action and large-scale technical failures.

Restricted Country

A country listed in Section 3 in which we do not offer service.

ADR

Alternative Dispute Resolution — an independent body offering non-court resolution of disputes.

3. Eligibility

You may open an Irwin account only if you meet all of the following requirements:

• You are of legal gambling age in your province or territory of residence (see table below).
• You have the legal capacity to enter into a binding contract under the laws of your jurisdiction.
• You are not on a self-exclusion register that we have visibility of, including provincial voluntary self-exclusion programs where information sharing is available.
• You reside in a jurisdiction where our service is permitted and you are not located in a Restricted Country at the time of use.
• You are not an employee, director, contractor or close relative of Galaktika N.V., any of its affiliates, or any of our suppliers and service providers.
• You are not acting on behalf of another person or as the front for a corporate or organisational entity.

Restricted Countries are listed at [INSERT_RESTRICTED_COUNTRIES_LIST]. We may amend this list at any time to reflect changes in licensing terms, sanctions regimes, or local law. Where we cease to offer service in a jurisdiction, registered players from that jurisdiction will be notified and given a reasonable period to withdraw their funds.

4. Account Registration

You may only register and operate one account per natural person. Duplicate accounts will be closed and bonus winnings forfeited. When registering you must provide accurate, complete and current information, and you must update us promptly if any of that information changes (for example, change of address, telephone number or province of residence).

• You are responsible for safeguarding your login credentials and for all activity on your account.
• Sharing an account with any other person — including family members — is strictly prohibited.
• We reserve the right to refuse registration or close an account where we have reason to believe that the registration is fraudulent, that the player is on a self-exclusion register, or that the account is being used in breach of these Terms.
• Multi-factor authentication is offered and strongly recommended. We are not liable for losses arising from your failure to secure your credentials.

5. KYC & Verification

To comply with our licensing requirements and Canadian financial-crime obligations, we operate a robust KYC program. You may be asked to provide verification documents at registration, before your first withdrawal, when transaction patterns reach certain thresholds, or at any other point where we identify a need.

Documents we may request include:

• A clear photograph or scan of a valid government-issued photo ID (passport, driver's licence, or provincial ID card).
• Proof of address dated within the last three months — utility bill, bank statement, or government correspondence.
• Proof of payment method — typically a screenshot or photo of the card or e-wallet used to deposit.
• For higher-tier or higher-volume players, evidence of source of funds or source of wealth — for example, payslips, tax assessments, contract income statements, sale proceeds documentation.
• A live photo or selfie for biometric matching against the submitted ID.

Our standard service level is 72 hours from receipt of a complete document set. Complex cases — in particular, source-of-funds reviews — may take longer; we will keep you informed throughout. Until verification is complete, withdrawals are paused, and deposits may be capped at a pre-verification ceiling. We reserve the right to request additional documents at any stage to satisfy our obligations.

6. AML Compliance

Irwin Casino operates an Anti-Money-Laundering and Counter-Terrorism-Financing program aligned with our licensing requirements and the reporting framework of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) where applicable. Our program includes ongoing transaction monitoring, sanctions and politically-exposed-person (PEP) screening, source-of-funds enquiries, and reporting to the appropriate authorities — including FINTRAC where required by law.

• We may freeze an account, hold transactions, or refuse a withdrawal where we have reasonable grounds to suspect financial crime.
• We may not be able to inform you that a suspicious-activity report has been filed, where doing so would constitute "tipping off" under the law.
• You acknowledge that you must use only funds from a lawful source, and that any attempt to launder funds through Irwin Casino is strictly prohibited and will be reported.
• Where we are required to terminate the relationship for AML reasons, we will do so in accordance with applicable law and our licensing rules; the closure of your account does not relieve us of our retention or reporting duties.

7. Deposits

The default deposit currency is Canadian dollars (CAD). Other currencies may be available subject to conversion rules described at the deposit screen. Minimum and maximum deposit amounts vary by method and may be adjusted from time to time. Deposits are credited to your Cash Balance once received and screened.

Deposits may be delayed or rejected pending AML or fraud screening. We do not charge a deposit fee, but your bank or processor may apply its own charges. You must use a payment method registered in your own name; deposits from third-party payment methods will be returned and may result in account restrictions.

8. Withdrawals

Withdrawals must be made to a payment method registered in your own name. Where possible, we follow the "closed-loop" principle: withdrawals are returned to the same method used for the most recent qualifying deposit. Where the original deposit method is not available for withdrawal (for example, an inbound-only payment rail), we will offer an alternative method in your name.

Withdrawal requests enter a pending review queue. During the review window the request can be reversed by the player (see "Reverse Withdrawal" below). Once the request leaves the queue, processing time depends on the chosen method — typically minutes for e-wallets and crypto, and 1 to 5 business days for card or bank-rail withdrawals. Larger or first-time withdrawals may take longer where additional KYC or source-of-funds checks are needed.

8.1 Reverse withdrawal & safer-gambling lock

Pending withdrawals can be cancelled and returned to your playable balance ("reverse withdrawal") at any time before processing begins. We strongly encourage players to activate the optional safer-gambling withdrawal lock, which removes the reverse-withdrawal option for that request so the money cannot be returned to play. The lock is available on every withdrawal screen and is recommended as a complement to deposit and loss limits.

8.2 Currency conversion

Where withdrawals are processed in a different currency from your account balance, conversion is performed at our prevailing exchange rate, which is updated multiple times per day. Conversion details are shown before you confirm the withdrawal.

9. Dormant Accounts

An account is considered dormant if there has been no login, deposit, withdrawal or wager for 12 consecutive months. Before applying any dormancy fee, we will notify you by email at the address registered on your account, giving you at least 30 days to reactivate the account or withdraw the balance. From the date the account becomes dormant, a monthly dormancy fee of €5 (or the local-currency equivalent) is deducted from the remaining balance, until the balance reaches zero or the account is closed.

10. Bonuses & Promotions

Every promotion has its own written terms, published at the point of opt-in. The general bonus terms below apply unless an individual promotion explicitly states otherwise.

• Wagering requirement (WR): 35× the bonus amount, unless a different multiplier is published.
• Maximum bet during wagering: C$5 per spin or C$10 per hand (or local-currency equivalent). Exceeding the cap may forfeit the bonus and any winnings derived from it.
• Maximum conversion: for free bonuses ("no-deposit" offers) winnings convertible to cash are capped, typically at 10× the bonus amount.
• Bonus expiry: bonuses must be wagered within the period stated in the promotion (commonly 7, 14 or 30 days). Unfulfilled bonus balances and any winnings from them expire at the deadline.
• Restricted games: certain low-volatility slots and low-edge table games may be excluded from bonus play; the restricted list is published with each promotion.
• Game contribution: each game category contributes a different percentage to wagering, as set out in the table below.

Bonuses are issued at our discretion. We may withdraw or amend a promotion at any time, with prior notice where reasonably possible. Where we identify bonus abuse (see Section 11), the bonus and any winnings derived from it will be forfeited.

11. Restricted Behaviour

The following behaviours are prohibited at all times. Engaging in any of them may result in the suspension or closure of your account, the voiding of affected bets, the forfeiture of associated winnings, and where relevant, reporting to the appropriate authorities.

• Operating more than one account, or opening an account on behalf of another person.
• Collusion with other players, including chip dumping in poker formats or coordinated betting designed to evade limits.
• Use of bots, scripts or other automated tools to interact with games, deposits, withdrawals or customer support.
• Use of a VPN, proxy or other technology to misrepresent your physical location in order to circumvent geo-restrictions.
• Bonus hunting, hedging, or any strategy designed to extract value from promotions in a manner inconsistent with their published intent.
• Initiating payment chargebacks or unjustified disputes with your payment provider where the transaction was authorised by you.
• Providing false, misleading or fraudulent information during registration or KYC.
• Attempts to interfere with the operation of the platform, including denial-of-service activity, exploit research without our written consent, or unauthorised access attempts.

12. Account Suspension & Closure

We may suspend, restrict or close your account, with or without notice as the circumstances reasonably require, including where:

• You breach these Terms or any other published policy.
• We have reasonable grounds to suspect fraud, money laundering, terrorist financing or any other criminal activity.
• We are required to do so by a regulator, law-enforcement authority or court order.
• You request closure or self-exclusion (see our Responsible Gaming policy).
• The account has been inactive in a manner that triggers dormancy procedures.
• Continuing to provide the service is, in our reasonable view, not consistent with our duty of care to you (for example, when there are clear signs of gambling-related harm).

On closure, your remaining Cash Balance — net of any pending bets, fees and lawful set-offs — will be returned to a verified withdrawal method in your name, subject to AML checks. Bonus Funds and unfulfilled bonus winnings are forfeited on closure. Where closure follows a breach of these Terms or applicable law, we may retain funds for the period necessary to complete investigations or fulfil regulatory obligations.

13. Errors, Malfunctions & Force Majeure

Software, network or hardware errors may from time to time affect play. Where a game malfunction is declared, the affected rounds are voided in line with our Betting Rules; your balance is returned to its pre-round state. Where amounts have been credited or paid to you in error — including duplicate credits, miscalculated returns or system glitches — we reserve the right to correct the error by debiting your account or invoicing for the amount.

We are not liable for any failure to perform our obligations where the failure is caused by a Force Majeure event. During a Force Majeure event we will use reasonable efforts to restore service and to communicate with players through the channels available.

14. Limitation of Liability

Our liability to you under or in connection with these Terms is limited as set out in this Section, subject always to the mandatory consumer-protection rights of your province or territory of residence, which cannot be excluded by contract. To the maximum extent permitted by applicable law:

• We exclude liability for indirect, consequential, incidental, special or punitive damages, including loss of profits, loss of opportunity or loss of data.
• Our aggregate liability under these Terms in any 12-month period is capped at the greater of (a) C$1,000 or (b) the net amount you have deposited (and not withdrawn) over that 12-month period.
• Nothing in these Terms limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot be limited under applicable law.

15. Indemnification

You agree to indemnify and hold harmless Galaktika N.V., its affiliates, employees, agents and licensors from and against any claims, losses, damages, liabilities and reasonable costs (including legal fees) arising out of or in connection with your breach of these Terms, your breach of applicable law, or your fraudulent or wilful misconduct.

16. Intellectual Property

All intellectual-property rights in the Irwin platform — including the Irwin name and logo, the website, mobile applications, software, game content provided by our licensors, graphics, text and audio — are owned by Galaktika N.V. or its licensors and protected by applicable copyright, trademark and other laws. You receive a limited, non-exclusive, non-transferable, revocable licence to use the platform for personal, non-commercial play in accordance with these Terms. No other rights are granted by implication or estoppel.

17. Communications & Notices

Where we need to give you legal notice — for example, of a material change to these Terms, a security incident, or the application of dormancy procedures — we will use the email address registered on your account. Email is a valid and binding notice channel for this purpose; please ensure your registered address is current.

Marketing communications are sent only on the basis of your express consent under the Canadian Anti-Spam Legislation. You may withdraw consent at any time using the unsubscribe link in any commercial message or by updating your preferences in your account. Service messages (security alerts, account notifications, regulatory communications) will continue regardless of marketing preferences.

18. Assignment

We may assign, transfer or sub-contract any or all of our rights or obligations under these Terms — for example, in the event of a corporate reorganisation, merger or acquisition. You may not assign or transfer any of your rights or obligations without our prior written consent.

19. Governing Law & Jurisdiction

These Terms are governed by the laws of Curaçao, the licensing jurisdiction of Galaktika N.V. The courts of Curaçao have non-exclusive jurisdiction over any dispute arising out of or in connection with these Terms. Nothing in this Section affects your right, where you reside in Canada, to bring proceedings or rely on mandatory consumer-protection rights of your province or territory.

20. Severability, Entire Agreement & Waiver

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force, and the unenforceable provision will be replaced by an enforceable provision that most closely reflects the original intent. These Terms — together with the Privacy Policy, Cookies Policy, Responsible Gaming policy, Betting Rules and any promotion-specific terms — constitute the entire agreement between you and the Operator regarding the subject matter of these Terms. Our failure to enforce any provision is not a waiver of our right to enforce it later.

21. Complaints & Dispute Resolution

We aim to resolve every concern fairly and promptly. Please follow the three-stage path below; each stage must be exhausted before moving to the next.

1. Stage 1 — Customer support. Contact [email protected] or our 24/7 live chat. Include your account ID and a description of the issue. Initial response within 24 hours; resolution targeted within 7 days.
2. Stage 2 — Senior management. If you remain unsatisfied after 7 days, escalate to [email protected]. We will conduct an internal review and respond with a final position within 14 days of escalation.
3. Stage 3 — Independent ADR / regulator. If the matter is not resolved internally within 30 days of the initial complaint, you may refer it to an independent ADR provider — eCOGRA for general gaming disputes and IBAS for sportsbook disputes — and/or to the Curaçao Gaming Control Board as the licensing authority.

For privacy-related complaints, you also retain the right to escalate to the Office of the Privacy Commissioner of Canada or to your provincial privacy commissioner, as described in our Privacy Policy.

22. Changes to These Terms

We may modify these Terms from time to time to reflect changes in law, regulatory requirements, our service or our business practices. Where we make a change that materially affects your rights or obligations, we will notify you by email and through an in-account banner at least 14 days before the change takes effect. Other changes take effect on publication. The "Last updated" date at the top of the page indicates the most recent revision. Continued use of Irwin after a change has taken effect constitutes acceptance of the updated Terms.

23. Contact

For day-to-day enquiries please contact [email protected]. For legal correspondence, including disputes, regulatory enquiries and formal notices, please write to [email protected]. For a complete directory of departmental contacts, including KYC, payments, complaints, privacy and responsible-gaming mailboxes, see our Contacts page.