Terms and Conditions of Use of the Website

Acceptance of terms

• By creating an account, completing registration, or using the services, you agree to these Terms and Conditions, the privacy policy, and any game or bonus rules that apply.
• We may update these terms. Material changes will be notified in your account or by email where possible. Continued use after updates means you accept the revised terms. If you do not agree, you must stop using the services and close your account.

Eligibility and who may use the services

• You must be the legal age for gambling in your province or territory (19 in most areas; 18 in Alberta, Manitoba, and Quebec).
• You must be physically located in a jurisdiction where online betting is allowed and where the services are offered to you.
• Only one account per person, household, payment instrument, and device is permitted.
• You must not be self-excluded, on a responsible gambling exclusion list, or otherwise prohibited by law or sport integrity rules from placing bets.

Proper use of the platform

• Use your account for personal entertainment only. Commercial use, syndicate betting, and acting on behalf of others are not permitted.
• Prohibited conduct includes bots or automated scripts, multi-accounting, bonus abuse, arbitrage based on obvious data errors, chargebacks, and attempts to bypass geolocation or verification.
• We may suspend, restrict, or close accounts to protect users, comply with legal obligations, or manage risk.

Content and intellectual property

• All content, software, event data, and odds are protected. You receive a limited, revocable licence to use the services for lawful betting.
• Copying, scraping, sublicensing, or redistributing site content or odds is not permitted.

Limitation of liability

• Services are provided on an as-available basis. We do not promise uninterrupted access.
• To the fullest extent permitted by Canadian law, liability for losses connected to your use of the services is limited to the lesser of: (a) the amount of your disputed bet; or (b) your net deposits in the six months before the claim. This does not limit liability for fraud, wilful misconduct, or where prohibited by consumer protection laws.

Governing law and dispute handling

• These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, subject to any mandatory consumer protections in your province or territory.
• Raise disputes through customer support first. If unresolved and if you are in Ontario and the operator is registered there, you may escalate through iGaming Ontario’s process. Arbitration or court options may apply where permitted; your statutory rights remain.

Eligibility to place bets

• You must have an active, verified account, be located in an allowed jurisdiction at the time of the bet, and have sufficient cleared funds.
• Certain users (athletes, officials, league staff, and others bound by sport integrity rules) may be prohibited from betting on related competitions.

Bet acceptance and betslips

• A bet is accepted only when our servers issue a bet ID and the bet appears in your account history.
• We may refuse, limit, or partially accept a bet before confirmation. Once accepted, a bet cannot be altered or cancelled by you.
• In-play betting may include time delays to manage integrity and market updates.

Odds, pricing, and palpable errors

• Odds can change before acceptance; your bet settles at the price accepted.
• If a manifest error occurs (for example, wrong odds or market), we may void the bet or settle at the correct odds that were intended at the time of placement.

Minimums, maximums, and payout caps

• Minimum and maximum stake amounts are shown on the betslip and can vary by market, sport, and event.
• We may apply maximum payout limits per market, per event, per day, or per account. Any cap will be applied to total winnings from related bets.

Settlement rules

• Bets are settled on the official result as announced by the governing body at the time of settlement. Later changes due to appeals do not usually affect settlement unless stated in market rules.
• If an event is abandoned, postponed, or moved, settlement follows the specific market rules. If no rule applies, bets may be void and stakes returned.
• Dead-heat rules may apply where there are joint winners. Related-contingency rules may apply if multiple selections are connected.

Restrictions and integrity

• We may restrict markets or users where we detect unusual betting patterns, use of inside information, or integrity risks.
• Users must not collude or hedge across multiple accounts to circumvent limits.

Cancellations and voids

• If an event is cancelled or not completed within a reasonable period stated in market rules, affected bets are void unless the rules specify otherwise.
• Technical failures that duplicate or misprice a bet may result in voiding or correction.

Bonuses and wagering

• If you accept a bonus, the related terms apply. Wagering requirements, contribution rates, and expiry rules will be stated. Void bets and some cashed-out bets may not count toward wagering.

Platform reference

• On Pinco, a bet is accepted only after system confirmation and display in your betting history.

Funding your account

• Available deposit methods are shown in your account cashier and may include Interac e-Transfer, Visa or Mastercard debit/credit, direct bank transfer, and approved e‑wallets.
• The default minimum deposit is typically CAD 10; method-specific limits apply. We do not add fees, but your provider may charge fees.
• Deposits credit instantly or within a short period depending on the method. Funds may be held until verification is complete.

Withdrawals

• Payouts are returned to the original payment method where possible and may require use of the same source of funds.
• Minimum withdrawal amounts typically start at CAD 10–20; maximums can apply per transaction or per day and are shown in the cashier.
• Processing time is usually 24–72 hours for internal review, followed by banking or e‑wallet timelines (e.g., Interac e‑Transfer within minutes to 24 hours; cards 2–5 business days; bank transfers 1–5 business days).
• Identity verification is required before a first withdrawal and whenever risk triggers arise.

>Verification and security (KYC/AML)

• We may request government-issued ID, proof of address, payment method ownership, and source-of-funds documents.
• Inconsistent or incomplete information can delay or block transactions until resolved.

Restrictions and reversals

• We may decline deposits, return unspent funds to the original method, or place temporary holds to meet legal and risk obligations.
• Chargebacks or payment disputes may lead to account restrictions and recovery of costs.

Currency and fees

• Canada accounts operate in CAD. If a non-CAD method is used, your provider’s foreign exchange rate and fees apply.

Cancelling operations

• You may cancel a pending withdrawal in the cashier if that feature is available and the request has not yet been processed.
• We may cancel or adjust a transaction where fraud, error, or regulatory issues are suspected.

Dormant accounts and unclaimed funds

• Accounts with no login for 12 months may be deemed dormant; an inactivity fee may apply where permitted by law. Unclaimed funds may be handled under provincial unclaimed property regimes.

Commitment to safer betting

• Gambling should be recreational. If betting affects your finances, work, studies, or relationships, seek support and consider using account limits.

Control tools you can set

• Deposit, loss, and wager limits: set daily, weekly, or monthly caps in your account.
• Session limits and reality checks: receive reminders or end sessions after a set time.
• Time-out (cooling-off): lock access from 24 hours up to several weeks.
• Self-exclusion: block access for six months or longer. We will not accept bets or deposits during exclusion.
• Risk self-assessment: a questionnaire to help you review your betting behaviour.

Independent support resources

• Ontario: ConnexOntario, 1-866-531-2600.
• British Columbia: BC Gambling Support Line, 1-888-795-6111.
• Alberta: AHS Addiction Helpline, 1-866-332-2322.
• Quebec: Gambling: Help and Referral, 1-800-461-0140.
• National resources: Responsible Gambling Council and Gamblers Anonymous Canada.

Blocking tools

• Consider device-level and site-blocking software such as BetBlocker or similar tools.

Platform note

• You can set responsible gambling limits in your account on Pinco.

Legal framework

• We follow the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and applicable regulations. Compliance oversight may involve FINTRAC and provincial regulators.

Know your customer (KYC)

• We verify identity using reliable, independent documents or data. Additional checks may include liveness verification, geolocation, and ownership of payment methods.
• We screen for sanctions, politically exposed persons (PEPs), and heads of international organizations (HIOs) as required.

Transaction monitoring

• We monitor deposits, withdrawals, bonuses usage, and bets for unusual patterns, structuring, rapid movement of funds, or third‑party payments.
• Reports may be filed, including Suspicious Transaction Reports and other required reports. You are not notified where the law prohibits tipping off.

Controls and consequences

• We may place holds, request source-of-funds evidence, restrict features, or freeze/close accounts where risk is identified.
• Non-cooperation or breaches can result in cancellation of transactions and permanent blocks. Funds may be retained or remitted as required by law.

Record-keeping

• Identification and transaction records are retained for periods required by law.

Laws we follow

• We handle personal information in line with PIPEDA and applicable provincial privacy statutes (for example, in Alberta, British Columbia, and Quebec). Where laws differ, the stricter rule applies.

What we collect

• Registration data: name, date of birth, address, contact details.
• Verification data: ID documents, proof of address, payment ownership, and liveness checks.
• Technical data: device identifiers, IP address, geolocation, cookies, and analytics.
• Usage data: account activity, bets, bonuses participation, payment history, and interactions with support.

Why we use it

• Provide and operate the services, process bets and payments, verify eligibility, and deliver customer support.
• Meet legal obligations including AML/CTF, sport integrity, and responsible gambling duties.
• Prevent fraud and secure the platform.
• Personalize content and, where consented or permitted, send service or marketing communications. You can opt out of marketing at any time.

Sharing

• Service providers for payments, identity verification, analytics, security, and customer support.
• Regulators, law enforcement, and dispute resolution bodies where required.
• Affiliates or business transferees in a merger, acquisition, or reorganization, subject to safeguards.

Cross‑border transfers

• Personal information may be processed outside Canada. Contractual and technical safeguards are used to protect it, and foreign laws may allow access by authorities.

Your rights

• Access and correction of your personal information.
• Withdraw consent for non-essential processing, object to certain uses, or delete data where permitted by law and subject to retention duties.
• File a complaint with the Office of the Privacy Commissioner of Canada or your provincial commissioner.

Cookies

• We use necessary and optional cookies for security, preferences, and analytics. You may adjust your browser settings, but some features may not function.

Technical measures

• Transport Layer Security (TLS) protects data in transit; sensitive data is encrypted at rest.
• Tiered access controls, firewalls, continuous monitoring, and anomaly detection help safeguard services.
• Regular audits, vulnerability assessments, and separation of environments reduce risk.

Account protections

• Strong password requirements, 2‑factor authentication, session timeouts, device and location checks, and login attempt throttling.
• Notifications of significant account changes, such as password or payment method updates.

Operational safeguards

• Background checks for relevant staff, role-based access, and security training.
• Incident response procedures designed to contain and remediate issues, plus mandatory reporting where required.

Your responsibilities

• Keep your credentials private, enable 2FA, secure your devices, and sign out after each session.
• Tell support immediately if you suspect unauthorised access to your account on Pinco.