Terms & Conditions

These Terms and Conditions ("Terms") govern your relationship with the operator of Joo Casino and your use of the online gambling services made available via https://joo-au.com (the "Website"). By accessing or using the Website, you acknowledge that you have read, understood and agree to be bound by these Terms. Effective date: 1 January 2026.

Definitions

For the purposes of these Terms, the following expressions have the meanings set out below:

Operator means Dama N.V., a public limited company incorporated under the laws of Curaçao, having its registered and operational address at Scharlooweg 39, Willemstad, Curaçao, and holding a sub-licence under master licence no. 8048/JAZ2020-013 issued by Antillephone N.V. (authorized by the Government of Curaçao). For certain payment processing services, the Operator acts through its subsidiary Friolion Limited, a company registered in Cyprus with address Leandrou, 12A 3086, Limassol, Cyprus.
Website means the site available at https://joo-au.com, including any mobile or mirror versions, through which the Services are offered under the Joo Casino brand to users of Joo Casino.
Services means the online casino services made available on the Website, including (without limitation) real-money and practice play casino games, live casino games, bonus and loyalty programs, account facilities, and related services.
User or Player means any natural person who registers an account on the Website or otherwise uses the Services.
Account means the personal, non-transferable account created by a User on the Website for the purposes of accessing the Services.
Bet or Wager means any sum of money or virtual credit staked by a User when participating in a game offered through the Services.
Game(s) means any casino game, slot, table game, live dealer game or other gambling product available on the Website from time to time.
Bonus or Promotion means any form of incentive (such as welcome bonus, reload bonus, free spins, cashback, loyalty reward or tournament prize) offered by the Operator, subject to specific terms and wagering requirements.
KYC means "Know Your Customer" verification measures, including identity, age, address and payment method checks, implemented by the Operator for anti-money laundering ("AML"), counter-terrorism financing and fraud-prevention purposes.
Payment Processor means Friolion Limited and/or any third-party financial institution, card scheme, e-wallet, bank, crypto payment gateway or similar provider engaged to process deposits and withdrawals.
Interactive Gambling Laws means the Interactive Gambling Act 2001 (Cth) of Australia and any related regulations or enforcement guidelines issued by the Australian Communications and Media Authority ("ACMA") or other Australian authorities.
Force Majeure Event means any event beyond the reasonable control of the Operator, including but not limited to acts of God, war, terrorism, strikes, civil disturbances, governmental restrictions, regulatory blocking orders, ISP or telecom failures, and severe technical disruptions.

Account Registration

Eligibility and Legal Capacity

Age requirement: You may only register an Account and use the Services if you are at least 18 years old (or the higher legal age of majority applicable in your jurisdiction). By opening an Account, you confirm that you meet this age requirement.
Jurisdictional legality: You are solely responsible for ensuring that accessing and using the Services is lawful in your place of residence and physical location. In particular, under the Interactive Gambling Act 2001, it may be unlawful for persons physically present in Australia to use certain offshore online casino services. The Operator does not hold any licence from Australian state or federal regulators, and the Services are not authorised or regulated in Australia.
One account per person: You may hold only one Account with the Operator. Creating multiple Accounts, including under different names, email addresses, devices or IP addresses, is prohibited and may result in suspension or closure of all related Accounts and forfeiture of funds, especially where used for fraud or bonus abuse.

Registration Process

Account creation: To register, you must complete the online registration form, providing accurate and complete information including your full name, date of birth, residential address, email address and chosen password. The Operator may request additional information at any time.
Email verification: You may be required to verify your email address by clicking a link sent to the address provided. The Operator may restrict or suspend access until the verification is successfully completed.
Currency selection: Eligible Users may select Australian dollars (AUD) or other available currencies, as displayed on the Website. Once chosen, your primary currency may only be changed in limited circumstances at the Operator's discretion.

KYC, AML and Verification

Verification documents: The Operator reserves the right, and in many cases is legally obliged, to verify your identity before processing withdrawals and at any other time. You may be asked to provide:
- a valid government-issued photo ID (such as passport or driver licence);
- a recent utility bill or bank statement (issued within the last 3 months) showing your name and address; and
- evidence of ownership of your payment method (for example, a partially redacted bank statement or a screenshot of your crypto wallet).
Verification timeframe: The Operator aims to review KYC documents within approximately 24 - 48 hours from receipt, but processing may take longer in busy periods or where additional checks are required, including in light of evolving regulatory requirements expected through 2026.
Right to hold withdrawals: Consistent with the Operator's internal policies, the Operator may place withdrawals on hold for the time reasonably necessary to complete identity and security checks. Failure to provide requested documents or information may lead to suspension or closure of your Account and/or confiscation of funds where legally justified (for example, in cases of suspected money laundering, fraud or bonus abuse).

User Obligations and Security

Accuracy of information: You must ensure that all information you provide is true, complete and up-to-date, and you must promptly update your Account details if they change. The Operator may rely on the information provided by you and is not liable for any loss or delay caused by inaccurate or outdated information.
Password and device security: You are responsible for maintaining the confidentiality of your login details and for all activity under your Account. You must not share your credentials with any third party or permit another person to access your Account. Any use of your Account with your username and password will be deemed your use.
Unauthorised access: If you suspect that your Account has been compromised, you must immediately notify the Operator via the contact channels listed on the Website and change your password. The Operator may temporarily suspend the Account while investigating.

Betting & Gameplay Rules

Placing Bets

Game rules: Each Game has its own rules, pay tables and minimum/maximum bet limits, as displayed within the Game interface. By placing a bet, you confirm that you understand and accept these game-specific rules.
Bet confirmation: A bet is deemed placed and accepted once it is recorded on the Operator's servers. After this point, the bet generally cannot be cancelled or modified, except in the limited circumstances described below (such as technical errors or apparent malfunctions).
Insufficient funds: Bets will not be accepted if your Account balance is insufficient. The Operator is not responsible for any missed opportunities to place bets.

Game Outcomes and Errors

Random Number Generator (RNG): The Games are provided via the SoftSwiss casino platform, whose RNG has been independently tested and certified by laboratories such as iTech Labs and GLI at platform level. Although individual Joo Casino audit reports are not publicly linked, the Operator relies on these certifications to offer fair and random outcomes.
Disconnections and interruptions: In case of disconnection or technical interruption, the outcome of completed bets will remain as recorded on the Operator's servers. For unfinished rounds, the Operator will apply the relevant game provider's rules, which may include completing the round automatically or voiding the bet. The Operator is not responsible for failures of your equipment, internet connection, ACMA-mandated ISP blocking or other external factors.
Obvious errors: If a Game, bet, payout, odds, RNG or system malfunctions or clearly misbehaves (an "obvious error"), the Operator may declare affected bets void, revert account balances to the state before the error and cancel any winnings obtained as a result. In such cases, the Operator's records will be decisive.

Conduct and Fair Play

Prohibited behaviour: You must not engage in fraud, collusion, use of bots or automated tools, exploitation of software bugs, advantage play that relies on known malfunctions, chip dumping, syndicate betting or any other unfair practices. The Operator may cancel bets, withhold winnings, close Accounts and report activities to authorities where such behaviour is suspected.
Live casino etiquette: In live dealer Games, you must behave respectfully towards dealers and other players. Abusive, threatening, racist, sexist, obscene, defamatory or otherwise offensive language or behaviour is strictly prohibited and may result in immediate exclusion from chats and/or termination of your Account.
Chat rules: Any chat function provided must not be used to advertise other services, solicit funds, share personal contact details, promote illegal activities or distribute content that is unlawful, offensive or infringes third-party rights.

Responsible Gambling

Risk of loss: Gambling involves financial risk, and you may lose some or all of the funds deposited. You should only gamble with money you can afford to lose and should regularly monitor your play.
Player tools: The Website may offer certain responsible gambling tools (such as deposit limits, loss limits or self-exclusion) where technically available. Their availability may vary depending on your jurisdiction and regulatory environment. It remains your responsibility to use such tools and to seek support if gambling is causing you harm.

Bonus Terms

Bonus Activation and Eligibility

Promotional offers: From time to time, the Operator may offer Bonuses such as welcome packages, reload offers, free spins, cashback, tournaments or loyalty rewards. Each Bonus is subject to these Terms and to specific promotional terms displayed in the relevant offer ("Promotion Terms").
Activation conditions: A Bonus may require you to opt in, enter a bonus code, make a qualifying deposit, place qualifying bets or meet other criteria described in the Promotion Terms. Failure to meet these criteria may result in the Bonus not being credited or being cancelled.
Per-player basis: Unless expressly stated otherwise, each Bonus is limited to one per person, household, IP address, device, payment method and shared computer environment. Use of multiple Accounts or coordinated activity to redeem the same Bonus multiple times is prohibited.

Wagering Requirements and Timeframes

Playthrough requirements: Bonus funds and any winnings derived from them are subject to wagering (playthrough) requirements before they can be withdrawn. The applicable wagering multiplier, game contribution rates, maximum bet per spin/round and other restrictions are specified in the Promotion Terms for each Bonus.
Time limits: Bonuses must be used and wagering requirements fulfilled within the period specified in the Promotion Terms. If no period is specified, any unused Bonus funds and related winnings may be removed 30 days after crediting. The Operator may adjust standard timeframes in line with technical and regulatory developments through 2026, and any such change will be reflected in updated Promotion Terms.
Bonus balance structure: The Website may distinguish between "real money" and "bonus money" balances. In general, wagers may be deducted from your real money balance first; however, specific ordering rules applicable to each Bonus are set out in the Promotion Terms and prevail in case of conflict.

Prohibited Bonus Practices

Abuse and irregular play: The following practices, among others, may be considered Bonus abuse or irregular play:
- placing very low-risk bets (for example, simultaneously betting on red and black in roulette) to artificially complete wagering;
- deliberately delaying or hoarding bonus features (such as free spin rounds) for use with cash play;
- using multiple Accounts or acting in concert with other players to exploit promotions;
- placing bets that exceed the maximum allowed bet size while a Bonus is active;
- using VPNs, proxies or other tools to circumvent geographic or promotional restrictions.
Where the Operator reasonably believes Bonus abuse has occurred, it may cancel Bonuses, void associated winnings, close Accounts and/or restrict eligibility for future promotions.

Combining Promotions

No stacking unless permitted: Bonuses and promotions cannot generally be combined or "stacked" (for example, using multiple active deposit Bonuses at the same time) unless expressly allowed in the Promotion Terms.
Order of application: If more than one promotion could apply to the same deposit or activity, the Operator will determine the order of application at its discretion and may credit or cancel Bonuses accordingly.

Payments & Withdrawals

Deposit Methods and Limits

Available methods: Deposits may be made using bank cards, e-wallets, bank transfers, prepaid vouchers, crypto currencies and any other methods displayed in the cashier section of the Website. Available methods may differ by jurisdiction and may change due to banking policies or regulatory actions, including ACMA-related restrictions on Australian banking channels.
Payment processing: Certain payments may be processed by Friolion Limited or other authorised Payment Processors. By making a deposit, you authorise the Operator and its Payment Processors to process your transactions and, where necessary, to share relevant personal data for AML and fraud-prevention purposes.
Deposit limits: Minimum and maximum deposit amounts per transaction, per day, per week or per month are specified in the cashier section. The Operator may adjust limits to comply with risk management, AML obligations and evolving regulatory expectations through 2026.

Withdrawals and Verification

Withdrawal requests: You may request withdrawals via the "Cashier" or "Withdrawal" section, subject to the availability of payment methods in your jurisdiction and the successful completion of any required KYC checks.
Same-method policy: Where possible, withdrawals will be processed to the same payment method used to deposit. If this is not feasible (for example, due to technical or regulatory limitations), the Operator may select a reasonable alternative method, subject to additional verification.
Processing times: The Operator endeavours to review and process withdrawal requests within a reasonable period, typically within 24 - 72 hours after approval of required KYC checks. However, processing times may be longer due to additional investigations, banking delays, crypto network congestion or external regulatory factors.
Right to withhold payouts: The Operator reserves the right to verify your identity and source of funds and to hold withdrawals for the time needed to complete such checks. If you fail to provide satisfactory documentation, the Operator may cancel the withdrawal and, where legally justified, freeze or close the Account.

Fees, Exchange Rates and Crypto Transactions

Fees: The Operator may apply reasonable transaction fees for deposits and withdrawals, as shown in the cashier section from time to time. Third-party providers (such as banks, card issuers, e-wallets or crypto gateways) may also charge their own fees, which are your responsibility.
Currency exchange: If you deposit or withdraw in a currency different from your Account currency, amounts may be converted using market rates or the rates applied by your financial institution. You bear the risk of exchange rate fluctuations.
Crypto volatility: Where crypto currencies are used, you accept that values may fluctuate significantly. Deposits and withdrawals are processed based on the crypto amount, and the Operator will not be responsible for any gains or losses resulting from exchange rate movements between the time of transaction and later account activity.

Refunds, Chargebacks and Reversals

Refund policy: Once a deposit has been used to place bets, it will generally not be subject to refund. In exceptional circumstances (for example, where a deposit is credibly shown to have been made in error and not used for betting), the Operator may, at its discretion, process a refund to the original payment method, less any applicable fees.
Chargebacks and disputes with payment providers: Initiating a chargeback or similar reversal request with your payment provider without first contacting the Operator may constitute a breach of these Terms. The Operator may suspend or close your Account, deduct the disputed amount and any associated costs, and report suspected fraudulent chargebacks to relevant authorities and credit agencies.
Refunding Bets and Bonuses: If a deposit is refunded or reversed, any associated Bets, Bonuses and winnings may be cancelled and removed from your Account to reflect the refunded transaction accurately.

Limitation of Liability

Operator's Obligations

Reasonable skill and care: The Operator will provide the Services with reasonable skill and care, consistent with its Curaçao licensing obligations and prevailing industry standards. This includes maintaining secure systems, seeking to ensure fair game outcomes, and using the certified SoftSwiss platform and reputable game providers.
Accuracy of records: The Operator will use reasonable efforts to ensure that Account balances, bet histories and transaction records are accurate. In case of discrepancy between your records and the Operator's records, the latter shall prevail, subject to investigation and correction in case of proven error.

Exclusions and Limitations

No guarantee of uninterrupted access: The Services are provided on an "as is" and "as available" basis. The Operator does not warrant that the Website will be uninterrupted, error-free or free from viruses or other harmful components. This includes interruptions caused by ISP failures, ACMA blocking orders, government actions, payment network issues or other Force Majeure Events.
Losses and damages: To the maximum extent permitted by applicable law, the Operator shall not be liable for:
- any indirect, incidental, special or consequential damages, loss of profits, revenue, data or goodwill, even if the Operator has been advised of the possibility of such damages;
- any loss arising from your use of the Services in breach of these Terms, including unauthorised use of your Account, Bonus abuse, or use of prohibited software or strategies;
- any loss attributable to your failure to secure your devices or account credentials, or to comply with local laws (including Australian Interactive Gambling Laws).
Maximum liability: Without prejudice to the exclusions above, where the Operator is found liable to you in connection with a particular bet, transaction or Game, its maximum aggregate liability shall not exceed the greater of (i) the amount of the bet or wager placed on the relevant Game, or (ii) the amount actually deposited into your Account in relation to the disputed transaction. Under no circumstances will the Operator's total liability exceed the balance of your Account at the relevant time.

Non-Excludable Rights

Mandatory consumer protections: Nothing in these Terms is intended to exclude or limit any rights you may have under mandatory consumer protection laws that cannot lawfully be excluded. However, as the Operator is an offshore provider licensed in Curaçao and not in Australia, Australian Consumer Law protections and access to Australian regulators (including ACMA) may be limited or unavailable in practice.

Intellectual Property Rights

Ownership: All content available on the Website, including but not limited to trademarks, logos, trade names (including the Joo Casino brand as used for Joo Casino), domain names, software, source code, databases, graphics, text, audio, video and other materials, is owned by the Operator or its licensors and is protected by copyright, trademark and other intellectual property laws.
Limited licence: Subject to your compliance with these Terms, the Operator grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and Services for personal, non-commercial entertainment purposes only.
Prohibited uses: You must not:
- copy, reproduce, modify, adapt, translate, distribute, sell, lease, sublicense, or otherwise exploit the Website or any part thereof;
- reverse engineer, decompile, disassemble or attempt to derive the source code of any software used in connection with the Services;
- use automated tools (including bots, scripts, crawlers or scrapers) to access, interact with or collect data from the Website, except as strictly necessary for bona fide search engine indexing in accordance with the Website's robots directives.

Privacy & Data Protection

Privacy Policy: Your personal data is collected and processed in accordance with the Operator's Privacy Policy, as amended from time to time and available on the Website. The Privacy Policy forms an integral part of these Terms, and you should review it carefully.
Data processing standards: The Operator, together with Friolion Limited and other service providers, endeavours to process personal data in line with high data protection standards, including principles derived from the EU's General Data Protection Regulation (GDPR), even though the Operator is not established in the EU and holds no Australian privacy licence.
International transfers: By using the Services, you acknowledge that your personal data may be transferred to, and processed in, Curaçao, Cyprus and other jurisdictions, which may have different data protection laws than your country of residence, including Australia.

Changes to Terms

Right to amend: The Operator may modify these Terms at any time to reflect changes in law, regulatory guidance, licensing conditions, technical infrastructure, or business practices, including developments in Curaçao's licensing regime and Australian enforcement trends through 2026.
Notification of changes: Where material changes are made, the Operator will use reasonable efforts to notify you by one or more of the following means:
- posting the updated Terms on the Website with a revised "Effective date";
- displaying an in-site banner or pop-up notice;
- sending a notice to the email address registered to your Account.
Acceptance of changes: Continued use of the Services after the updated Terms take effect will constitute your acceptance of those changes. If you do not agree with the updated Terms, you must cease using the Services and may request closure of your Account and withdrawal of your available balance, subject to the then-current Terms.

Termination & Suspension

Termination by the User

Account closure: You may close your Account at any time by following the procedures described in the Account settings or by contacting customer support via the contact channels indicated on the Website.
Withdrawal on closure: Upon closure requested by you, the Operator will, subject to KYC and AML checks, pay out any remaining real money balance (excluding Bonus funds and related winnings that are not yet eligible for withdrawal) via a mutually agreed payment method.

Termination or Suspension by the Operator

Grounds for action: The Operator may suspend or close your Account, and/or restrict your access to the Services, where it reasonably believes that:
- you have breached these Terms or any Promotion Terms;
- you have provided false or misleading information, failed KYC checks, or refused to provide requested documents;
- you have engaged in fraud, money laundering, terrorist financing, Bonus abuse, collusion or other prohibited conduct;
- you are using the Services from a jurisdiction where online gambling is unlawful or where the Operator decides to cease offering the Services (which may include, without limitation, Australia, following legal or regulatory developments);
- your Account is subject to a law enforcement or regulatory investigation.
Consequences: In cases of termination or suspension, the Operator will determine, in accordance with its legal obligations and internal policies, whether any balance is to be returned to you or forfeited (for example, where funds are linked to fraud or AML concerns). The Operator may deduct any reasonable costs, fees, chargebacks or damages before processing a payout.
Notification: Where permitted by law, the Operator will use reasonable efforts to notify you of any suspension or closure, stating the main reasons and indicating any steps you may take to seek clarification or contest the decision.

Governing Law & Jurisdiction

Governing law: These Terms, and any dispute arising out of or in connection with them or the Services, shall be governed by and construed in accordance with the laws of Curaçao, without regard to conflict-of-law principles.
Jurisdiction: Subject to any mandatory provisions of applicable law, the courts of Curaçao shall have exclusive jurisdiction over any dispute between you and the Operator relating to these Terms or the Services. The Operator may also, at its discretion, refer disputes to arbitration or to a recognised alternative dispute resolution body associated with its licence.
Australian law notice: The Operator is not licensed by any Australian state or federal regulator and operates as an offshore online casino. Provision of, and access to, interactive gambling services to persons physically present in Australia may contravene the Interactive Gambling Act 2001, and ACMA has the power to order ISP or domain blocking of offshore gambling sites. You acknowledge that:
- your use of the Services while in Australia may be unlawful and is entirely at your own risk;
- you may not have access to Australian Consumer Law remedies or Australian gambling dispute mechanisms in relation to the Services; and
- any regulatory protection you may have will primarily derive from the Curaçao licensing framework and any applicable laws of your country of residence that cannot be excluded.

Contact Information

Customer support: For general queries, complaints or assistance regarding your Account or the Services, you may contact customer support through the contact or live chat functionality provided on the Website. The primary support contact details (including email address) are displayed in the "Support" or "Contact Us" section of the Website and may be updated from time to time.
Legal and compliance correspondence: Any legal notices, formal complaints or correspondence relating to regulatory or compliance matters should be directed to the Operator at its registered address:
- Dama N.V.
  Scharlooweg 39
  Willemstad, Curaçao
For matters relating specifically to payment processing, correspondence may be addressed to:
- Friolion Limited
  Leandrou, 12A 3086
  Limassol, Cyprus
Telephone: At the time of these Terms taking effect, the Operator does not provide a dedicated public telephone support line for Joo Casino. Any future telephone contact details will be published on the Website.