Terms & Conditions

Observe: Users need clear meanings for recurring legal-technical terms. Canada-specific nuances (age-by-province; Ontario restrictions) and licensing context (Curaçao) affect interpretation.

Expand: Include operational, AML/KYC, bonus, and gameplay terminology to avoid ambiguity across sections.

Reflect: The following definitions apply unless the context requires otherwise.

Operator: Ragnarok Corporation N.V., Curaçao company no. 79358, licensed by the Curaçao Gaming Control Board under license OGL/2023/105/0084, providing the Service at pinnacle-ca-play.com (the "Site"). Payment services may be facilitated by appointed processing agents (including Impyrial Holdings Ltd, where applicable).
Site/Service: The online gaming services offered at pinnacle-ca-play.com, including casino games, live casino, promotions, and account facilities.
User/Player/you: A natural person who creates or uses an Account on the Site in compliance with these Terms and applicable laws.
Account: A personal, single user account registered on the Site.
Bet/Wager: A valid stake placed by a Player on a game or event available on the Site, including casino rounds and live dealer games.
Bonus: Any promotional credit, free spins, cashback, or similar incentive credited under promotional terms.
Real Money Balance/Bonus Balance: Respectively, funds you deposited/won from cash play; and funds restricted by bonus terms.
KYC/Verification: Know-Your-Customer checks, including identity, age, address, payment ownership, source of funds/wealth where required.
AML/CTF: Anti-Money Laundering and Counter-Terrorist Financing controls applied by the Operator.
Eligible Jurisdiction: Any Canadian province or territory where access to offshore online gaming is not prohibited by law, excluding Ontario.
Restricted Jurisdiction: Ontario and any location where using the Site is unlawful.
RNG: Random Number Generator used by electronic games to ensure fairness.
Chargeback: A payment reversal initiated with your payment provider.

Account Registration

Observe: Canadian age rules vary; Ontario is a regulated market with separate domain (pinnacle.ca). AML/KYC and single-account rules are standard.

Expand: Define eligibility, verification, ongoing obligations, and security duties with province-by-province age compliance.

Reflect: The following terms govern who may register and how.

Eligibility and age: You must be physically located in an Eligible Jurisdiction and meet your province/territory's legal gambling age: 19+ in most provinces/territories; 18+ in Alberta, Manitoba, and Quebec. Access from Ontario is prohibited; Ontario residents must use https://www.pinnacle.ca.
Single account: One Account per person, household, IP/device. Duplicate accounts may be closed and balances voided in case of abuse or fraud.
Registration process: Provide full legal name, date of birth, residential address, email, and create secure credentials. Email and device verification may be required.
KYC/verification: Before withdrawals (and at any time), we may request government ID, recent proof of address, payment ownership proof, and, where applicable, source of funds/wealth. We may use third‑party databases and perform sanctions/PEP screening.
Accuracy and updates: You must keep your details current and accurate and inform us promptly of changes. Misrepresentation may lead to suspension or closure.
Security: Keep your password confidential; you are responsible for activity on your Account until you notify us of suspected compromise.
Responsible gambling: You may request limits or self-exclusion via your Account; we may apply cooling‑off or exclusion when risks are identified.
Prohibited use: No third‑party use, VPN/geolocation masking, bots, or access from Restricted Jurisdictions. We may refuse, suspend, or close Accounts to comply with law/AML obligations.

Betting & Gameplay Rules

Observe: Players need clear placement, settlement, cancellation, and conduct rules. Live casino and chats require strict etiquette and anti-collusion standards.

Expand: Codify min/max stakes, settlement sources, palpable errors, void criteria, and fair-play expectations.

Reflect: These rules apply to all games unless a game provider's rules state otherwise.

Placing bets: Bets are valid once accepted by our servers and reflected in your bet history. Minimum/maximum stakes are displayed in-game/cashier and may vary by game and Player risk profile.
Settlement: RNG games settle per certified game math; live dealer outcomes are determined by the live feed and provider data. Official provider logs prevail over your device display in case of discrepancy.
Modification/cancellation: After acceptance, bets cannot be cancelled by you. We may void or adjust bets for technical malfunctions, interrupted rounds, incorrect price/limit displays, or where fairness requires (palpable error).
Disconnections/malfunctions: If a game malfunctions, all affected bets/plays are void and stakes refunded for the affected portion only. Our records are conclusive evidence of the outcome and transaction details.
Prohibited conduct: No collusion, chip-dumping, advantage bots/tools, multi-accounting, syndicate play, bonus- or bet-hedging across accounts/sites. We may confiscate winnings and close Accounts for violations.
Live casino and chat: Be respectful. Insults, harassment, hate speech, spam, solicitation, or sharing personal/illegal content is prohibited. We may mute, remove chat access, or suspend Accounts.
Cash-out/features: Any early cash-out or feature (if available) is offered at our discretion; availability and prices may change or be withdrawn at any time.

Bonus Terms

Observe: Bonus compliance hinges on transparent activation, wagering, game contribution, and anti-abuse rules.

Expand: Provide standard defaults while prioritizing promotion-specific terms; prohibit abusive strategies and bonus stacking.

Reflect: Promotion pages govern; the following apply where not otherwise specified.

Activation: Some offers require an opt-in or code; eligibility may depend on region, device, or payment method. Bonus funds are credited once qualifying criteria are met.
Wagering requirements: Each bonus specifies wagering multipliers and whether they apply to bonus, deposit, or both. Real money wagers are usually deducted first; only wagers placed after activation count.
Timeframes and expiry: Bonuses and free spins have stated validity periods; uncompleted wagering by the deadline causes bonus removal and forfeiture of pending bonus winnings.
Game contribution: Different games contribute different percentages to wagering; some games may be excluded. Contribution tables are shown on the promotion page or in the cashier.
Bet caps: Maximum bet sizes with an active bonus and any restricted betting patterns are stated in the promotion terms. Exceeding caps may void the bonus and related winnings.
Bonus stacking: Only one active bonus at a time unless expressly allowed. Where multiple offers are available, the one you activate first applies.
Abuse and irregular play: Prohibited actions include but are not limited to: minimal-risk or zero-margin bets; hedging across accounts/sites; "max bet" strategies to exploit contribution gaps; group play; delaying rounds (e.g., leaving free spins/bonus rounds pending); and using VPNs to claim geo-restricted offers. We may remove bonuses, cancel winnings, and close Accounts.
Modification: We may amend or withdraw promotions prospectively. Changes will not affect already-earned rights where prohibited by law.

Payments & Withdrawals

Observe: Canadian players use varied methods; KYC, closed-loop withdrawals, and timing transparency are essential. Crypto, where used, requires volatility and compliance warnings.

Expand: Address limits, fees, processing windows, chargebacks, ownership, and refunds.

Reflect: The cashier displays currently available methods and limits for your region.

Methods: Supported options may include cards, bank transfer, e‑wallets, and, where lawful, cryptocurrency. Availability depends on your province/territory and Account status. Third‑party payments are prohibited.
Currencies: Accounts are maintained in CAD unless stated. FX conversion costs charged by your provider are your responsibility.
Deposits: Credited upon provider confirmation. We may set per-transaction/daily limits and request KYC before enabling higher limits.
Withdrawals: Subject to successful KYC and security checks. We generally process within 24-72 hours; banking networks may add time. Where possible, withdrawals are returned via the original deposit method (closed-loop policy).
Fees: We do not charge routine deposit/withdrawal fees; third‑party or intermediary fees may apply. We may charge reasonable administrative fees for repeated withdrawal cancellations, dormant accounts, or excessive manual processing.
Ownership and chargebacks: Payment methods must be in your name. Chargebacks may result in Account suspension, recovery of costs, and reporting to payment networks.
Crypto (if available): Payout amounts are based on the crypto/CAD exchange rate at the time of processing. Network fees and volatility risks are borne by you. We may refuse crypto transactions to comply with AML/CTF or sanctions rules.
Refunds and reversals: We are not obliged to refund valid completed bets. Where a game is void due to malfunction, the affected stake is returned. Bonus-related refunds follow Bonus Terms.

Limitation of Liability

Observe: Clarify fairness commitments while limiting exposure to technical/internet risks and indirect damages.

Expand: Set clear caps aligned to wager amounts; respect non-excludable statutory rights.

Reflect: These limits apply to the fullest extent permitted by law.

Fairness and integrity: We use certified RNGs and reputable live providers. We will use reasonable skill and care to provide accurate results and maintain the Service.
Exclusions: The Service is provided "as is." We are not liable for failures beyond our reasonable control, including device failures, internet outages, DDoS, power interruptions, or third‑party provider faults.
No indirect damages: We are not liable for loss of data, profits, opportunity, goodwill, or any indirect or consequential loss.
Maximum liability: For any settled wager or game round, our total liability shall not exceed the amount you staked on that wager/round. For non-wager disputes, our total liability shall not exceed the lesser of your net deposits over the preceding 30 days or CAD 1,000.
Statutory rights: Nothing in these Terms excludes liability for fraud, fraudulent misrepresentation, or any liability that cannot be excluded under applicable law. Your mandatory provincial/territorial consumer rights remain unaffected.

Intellectual Property Rights

Observe: Content and software require protection; users need a limited license only.

Expand: Prohibit copying, reverse engineering, or redistribution.

Reflect: Respect third‑party providers' marks and content.

Ownership: The Site, software, content, trademarks, and data are owned by the Operator or its licensors and are protected by copyright, trademark, and other intellectual property laws.
License: We grant you a revocable, non-exclusive, non-transferable license to access and use the Service for personal entertainment only.
Restrictions: You may not copy, modify, reverse engineer, decompile, distribute, or create derivative works from the Site or software, nor use automated tools to extract data.
Third‑party IP: Game providers' names and assets remain their property; all rights reserved.

Privacy & Data Protection

Observe: Players expect PIPEDA-aligned processing, clear linkage to the Site's Privacy Policy, and disclosure of cross-border transfers.

Expand: Reference the governing policy and lawful bases; avoid duplicating the policy here.

Reflect: Privacy terms are incorporated by reference.

Your personal information is processed in accordance with the Site's Privacy Policy, which forms part of these Terms. We apply appropriate technical and organizational measures, may process data outside Canada where lawful, and comply with applicable privacy and anti-spam laws. Please review the Privacy Policy on the Site before using the Service.

Changes to Terms

Observe: Material change procedures and notice mechanisms are essential.

Expand: Provide notice channels and user options upon disagreement.

Reflect: Balance operational needs with user rights.

Updates: We may amend these Terms. Material changes will be notified via email (where available) and/or prominent on‑site banner at least 14 days before taking effect, unless changes are required sooner by law or security.
Acceptance: Continued use after the effective date constitutes acceptance. If you do not agree, stop using the Service and request Account closure before the change takes effect; we will settle open bets per the pre‑change rules where feasible.

Termination & Suspension

Observe: Clear grounds and process for blocking/closing accounts with fair fund handling.

Expand: Include AML, legal breaches, Ontario access, and user‑initiated closure.

Reflect: Ensure proportionate outcomes and notifications.

Our rights: We may suspend or close your Account with notice (or without notice where legally required) for suspected breach, AML/CTF concerns, fraud, chargebacks, duplicate accounts, prohibited tools, self‑exclusion, or access from a Restricted Jurisdiction (including Ontario).
User closure: You may close your Account at any time via support, subject to settlement of pending transactions and compliance checks.
Funds: On closure unrelated to breach, we will return available Real Money Balance to a payment method in your name, subject to KYC and reasonable administrative/dormancy fees (if applicable). In cases of fraud, AML breaches, or bonus abuse, we may void winnings and withhold funds as permitted by law.
Dormancy: Accounts inactive for 12 consecutive months may be deemed dormant; we may charge a reasonable monthly maintenance fee after notice, not exceeding the remaining balance, and attempt to return funds.
Notice: We will notify you of suspension/closure reasons where lawful and not prejudicial to ongoing investigations.

Governing Law & Jurisdiction

Observe: Offshore licensing applies; Canadian mandatory rights must be preserved.

Expand: Provide layered dispute process with ADR/arbitration and a consumer-rights savings clause.

Reflect: The framework must be enforceable and fair.

Applicable law: These Terms and your use of the Service are governed by the laws of Curaçao, excluding its conflict-of-law rules.
Complaints process: Contact us first with full details; we aim to acknowledge within 72 hours and provide a substantive response within 10 business days.
ADR: If unresolved, we may offer referral to an independent alternative dispute resolution body recognized by or acceptable to the Curaçao Gaming Control Board.
Arbitration: Disputes not resolved via ADR shall be finally settled by confidential arbitration seated in Curaçao, in English, under applicable institutional or ad hoc rules selected by the Operator at the time of filing. The arbitral award may be enforced in any competent court.
Mandatory rights: Nothing prevents you from exercising any non-waivable statutory consumer rights under the laws of your province or territory of residence.
Ontario: Residents of, or persons located in, Ontario must not use the Site and should visit https://www.pinnacle.ca, which is subject to AGCO/iGaming Ontario rules.

Contact Information

Observe: Users require support and legal contact channels; some details are not yet specified for the Site.

Expand: Provide available corporate identifiers and commit to publishing full contact coordinates.

Reflect: Accuracy is prioritized over speculation.

Customer Support (email): not specified (to be published on the Site's Support/Contact page).
Telephone: not specified.
Mailing address (Operator): Ragnarok Corporation N.V., Curaçao (full postal address not specified).
Legal correspondence: not specified (to be published on the Site).
Web: https://pinnacle-ca-play.com
Ontario users: For Ontario-regulated services, visit https://www.pinnacle.ca and use the contact channels listed there.

We will update the Contact Information section with full coordinates and dedicated support emails/phone numbers as they become available in 2025. Please refer to the Site footer for the latest details.