1. General Provisions

The following hierarchy applies to every wager. Where two rules conflict, the higher-ranked rule prevails:

1. Game-specific or sport-specific rules published on the relevant market page or within the game's help screen.
2. These Betting Rules.
3. The general Terms and Conditions of Irwin Casino.

We reserve the right to amend these rules. Amendments take effect from the date of publication and apply to bets placed afterwards. Bets placed before publication are governed by the rules in force at the time of placement, except where a change is required by law.

2. Account Eligibility for Betting

To place a wager at Irwin you must:

• Be at least 19 years old (or 18 in Alberta, Manitoba and Quebec).
• Hold a verified Irwin account in your own name with completed KYC.
• Reside in a jurisdiction where our service is permitted and not on a list of restricted countries set out in the Terms.
• Not be an employee or close relative of Galaktika N.V. or any of our affiliates, suppliers or service providers.
• Not be currently registered with a provincial voluntary self-exclusion program that we have visibility of, where such information is shared with operators.

3. Bet Placement & Acceptance

A bet is considered placed and binding only when our servers have accepted it and returned a unique bet receipt. The bet receipt is the sole source of truth in any dispute. The on-screen confirmation, screen capture or third-party screenshot is informational only. Network errors, browser issues or device crashes that prevent the receipt from being issued mean that the bet has not been accepted.

• We may refuse, void or cancel a bet at our discretion where there are reasonable grounds, including pricing errors, suspected manipulation, integrity concerns, or technical failures.
• Bets are accepted in Canadian dollars (CAD) unless another currency is offered at the point of placement.
• Maximum stake and maximum liability limits may apply per market, per player, and per event.

4. Slots & Instant Games

Slot and instant games are provided by independent studios certified by independent test labs. Every spin and round uses a certified random number generator. Outcomes are independent of one another, regardless of recent results.

• Bet validity — a wager is valid once it appears as completed in the game's transaction history.
• Return to Player (RTP) — each game's RTP is published by the provider in the game's help screen. RTP is a long-run statistical measure and does not predict the outcome of any session.
• Free spins — issued in line with the promotion's terms; winnings from free spins are governed by the bonus terms in the Terms and Conditions.
• Autoplay — provided where the game supports it and subject to per-session stop-loss and stop-win limits.
• Malfunction — a malfunction voids all pays and plays for the affected round, as described in section 6.

5. Table Games & Live Dealer

Table games (digital and live-dealer) follow the published game rules of the studio that delivers them. Where the studio's house rules differ from these Betting Rules, the studio's rules take precedence for that game.

5.1 Blackjack

Dealer hit/stand thresholds, surrender, double-after-split and other variant rules are listed in each table's information panel. Side bets are settled according to the paytable displayed in the game.

5.2 Roulette

European, American and French roulette variants are offered, each with the standard layout and payouts. La Partage / En Prison rules apply only on French tables.

5.3 Baccarat & Poker variants

Baccarat is dealt according to standard punto-banco third-card rules. Poker variants — Caribbean Stud, Three-Card, Casino Hold'em — follow the published paytable. Side bets and progressive jackpots are subject to the provider's terms.

5.4 Live dealer arbitration

For live-dealer tables, the studio's pit boss is the first-level arbiter of any dispute about a round (for example, an unclear card or chip placement). The studio's video recording is the final record of play.

5.5 Disconnection during a hand

If you disconnect from a table mid-hand, the studio's published disconnect policy applies. In most cases the round completes according to the studio's auto-decision rules, and your balance is updated accordingly. Where the studio cancels a round, your stake is returned.

6. Game Malfunction & Disconnection

A malfunction is any failure of the game software, network, hardware or provider infrastructure that prevents a round from completing correctly. Where a malfunction is declared by the game provider, the affected rounds are voided, all wagers on those rounds are returned, and any associated winnings or losses are reversed. Your account balance is returned to its pre-round state.

For live-dealer titles, the provider's transactional record is the binding record of the round. If the provider records the round as completed, the outcome stands; if the provider voids the round, we follow that decision.

7. Bonus Play in the Casino

Casino bonuses, free spins and reload offers are issued on the terms published at the point of opt-in. The following standing rules apply unless a promotion explicitly states otherwise:

• A maximum stake (typically C$5 per spin or C$10 per hand) applies while wagering requirements are open.
• Game contribution percentages vary by category; the default table is in our Terms and Conditions.
• Certain games are restricted while a bonus is active (for example, low-edge table games or low-volatility slots used for pattern play).
• Wagering requirements default to 35× the bonus amount unless the promotion states otherwise.
• Cash and bonus balances are drawn in the order specified in the bonus terms; in most cases cash is used first.

8. Bet Types

Irwin's sportsbook supports the bet types described below. Other bet types may be offered from time to time; their settlement is described on the market page.

8.1 Single bets

A single bet has one selection. It wins if the selection wins, loses if the selection loses, and is voided if the selection is voided.

8.2 Multiples / parlays / accumulators

A multiple combines two or more selections. All selections must win for the bet to win. A loss on any leg loses the whole bet. A voided leg is removed from the calculation and the multiple re-priced at the reduced number of legs.

8.3 System bets

System bets (Trixie, Yankee, Lucky 15 and related structures) combine multiple selections into a fixed set of underlying multiples. See the glossary at the bottom of this page for the structure of each common system.

8.4 Each-way bets

An each-way bet is two equal-stake bets — one on the selection to win and one on it to place. Place terms (number of places, fractional reduction of the win price) are shown on the market and used for settlement.

8.5 Live / in-play bets

In-play bets are subject to a brief acceptance delay during which the offered price may change. We may reject a bet if the price moves materially, the market is suspended or an incident occurs (for example, a goal or red card). Stale-odds checks apply.

9. Odds & Price Changes

Decimal odds are the platform default. American and fractional formats can be toggled in account preferences. The binding price is the price displayed on your bet receipt at the moment of acceptance, not the price displayed on the betting slip before acceptance.

• If the offered price changes during placement, you may be presented with a "price-change" prompt to accept the new price.
• Manifest pricing errors are covered by section 15 (palpable errors).
• Odds boosts, price-improvement offers and similar promotions are subject to their own published terms.

10. Bet Settlement by Sport

The sport-specific rules below set the default settlement basis for each market. Where a market explicitly defines a different basis ("regulation only", "including overtime", "first half"), the market wording prevails.

10.1 Hockey (NHL and other leagues)

Hockey is the most-bet sport at Irwin Canada. The default settlement basis is regulation time only — 60 minutes, including empty-net goals scored within regulation. Overtime and shootout are excluded from the result unless the market explicitly says "including OT" or "including OT/SO". Goal totals, puck-line and period markets follow the same default. A game suspended after 55 or more minutes of regulation is treated as completed; an earlier suspension voids open bets unless the game is fully replayed within 48 hours. Empty-net goals count toward total goals and side-of-the-puck markets. NHL playoff games settle on the full game result including overtime when a market is explicitly framed as "to win the series" or "to qualify".

10.2 Soccer / football

Bets settle on 90 minutes of regulation plus any injury time, unless the market explicitly mentions extra time or penalties. Abandoned matches that have not reached the final whistle are voided, except for markets whose outcome is already decided (for example, "first goal scorer" once the first goal has been scored). Walkovers void all bets.

10.3 Basketball (NBA, NCAA, EuroLeague)

Bets settle including any overtime unless the market says "regulation only". Quarter and half markets settle on the respective segment only. NCAA games use halves and are settled accordingly.

10.4 Baseball (MLB)

Run-line and over/under markets generally require a minimum of 9 innings — or 8½ innings if the home team is leading — for the bet to settle. Five-inning markets settle at the top of the 5th. If a game is shortened by weather or curfew, the official MLB result is used for settlement.

10.5 Tennis

Retirement or walkover voids all bets unless the relevant market has already been decided (for example, a set winner before retirement, or a "first set to be played" market once that set is complete). Both named players must take the court for any pre-match bet to stand.

10.6 MMA / UFC

A no-contest declaration voids all bets. The "draw" market settles on a majority or split-decision draw. Method-of-victory and round-of-victory markets use the official decision from the sanctioning body.

10.7 Esports

If a player or team forfeits before the start of the match, all bets are voided. A forfeit after the start of the match settles in favour of the opponent. Map-by-map and restart rules follow the competition's published format.

10.8 Horse racing

Non-runners cause stakes to be returned on the affected selection; remaining selections in a multiple are re-priced. Rule 4 deductions apply where the withdrawal happens too late for the market to be re-formed. Photo finishes and dead heats follow section 13.

11. Cancelled, Void & Abandoned Events

The terms below distinguish between events that never start and events that start but are not completed:

• Cancelled — the event does not take place at all. Stakes are returned on the affected markets.
• Abandoned — the event starts but is not completed. Settlement depends on the sport-specific rule (e.g. hockey 55-minute rule, baseball 9-inning rule).
• Walkover — one side does not appear. All pre-match bets on the absent side are voided; outright winners may still settle in line with the relevant competition's rules.
• Suspended — markets are paused mid-event; bets accepted before suspension stand subject to the standard settlement basis.

12. Postponed & Rescheduled Events

If an event is postponed and rescheduled to begin within 48 hours of the originally advertised start, all bets stand. If the event is rescheduled later than 48 hours, bets are voided and stakes returned, except for the sport-specific exceptions described in section 10. Outright and tournament-winner markets are not affected by postponements of individual matches.

13. Dead Heat Rules

Where two or more selections finish in a position with no separation, dead-heat rules apply. The stake is divided by the number of winners and multiplied by the bet's odds, with any losing portion returned as zero.

14. Maximum Payouts

Maximum payouts apply per bet, per day, and per customer where stated. The caps below are the published defaults and may be lower for niche markets or live events. Where multiple bets exceed the cap collectively, settlement is pro-rated.

15. Technical Errors & Palpable Errors

A palpable error is an obvious mistake in pricing or market construction — for example, a decimal misplaced, the wrong team listed in a head-to-head market, or odds that have clearly fallen outside the market's true range due to a feed failure. We reserve the right to void bets placed on palpably erroneous markets or to settle them at the corrected price.

16. Live Betting Specific Rules

Live (in-play) betting is offered subject to brief acceptance delays. Markets may be suspended during incidents (goals, red cards, time-outs, video reviews) and re-priced once the situation is clear. A bet placed during suspension is rejected. Where latency causes a stale price to be displayed, we may reject the bet and present an updated offer.

17. Bonus Bets, Free Bets & Boosts (Sportsbook)

Bonus bets and free bets do not return the stake with the winnings — only the profit is returned. Boosted-odds offers apply to a specific maximum stake and minimum odds threshold, as published with the promotion.

• Bonus stakes count toward wagering requirements at the contribution rate stated in the promotion (typically lower than cash stakes).
• Maximum stake during a wagering period may be capped (commonly C$10 per selection).
• Bonus bets cannot be cashed-out unless the promotion explicitly states otherwise.

18. Restricted & Suspicious Betting Behaviour

To protect the integrity of our markets and the experience of our players, we monitor for and may act on the following patterns:

• Arbitrage and syndicate play — coordinated betting designed to exploit price differences across operators.
• Courtsiding — placing bets based on information collected from a live venue ahead of the broadcast feed.
• Bot use — automated placement of bets through scripts or third-party software.
• Multi-account use — operating more than one account, including accounts opened in the names of family members or friends.
• Integrity issues — bets connected to match-fixing or inside information.

We may suspend an account, void affected bets, withhold winnings pending investigation, and report integrity concerns to the relevant league or regulator.

19. Bonus Abuse

Bonus abuse covers patterned, low-risk hedging designed to extract bonus value with minimal exposure, deliberate losses on qualifying bets, and use of restricted strategies (for example, betting both sides of a market at near-even prices). Where bonus abuse is identified, the bonus and any winnings attributable to it are forfeited, and the account may be restricted from future promotions.

20. Disputes & Resolution

If you are unhappy with the settlement of a bet or any aspect of our service, please follow the three-stage path below. Each stage must be exhausted before escalating to the next.

1. Customer support — contact [email protected] or live chat. Initial response within 24 hours.
2. Senior management — if unresolved within 7 days, escalate to [email protected] with your account ID and a summary. Internal review within 14 days.
3. Independent ADR / regulator — if still unresolved within 30 days, you may refer the matter to eCOGRA (general gaming) or IBAS (sportsbook), or to the Curaçao Gaming Control Board as the licensing authority.

21. Glossary

Definitions of common terms used across these Betting Rules. Where a term has a different meaning in a specific market, the market wording prevails.

Action

A live, accepted bet on which the result is pending or already settled.

Accumulator

A multi-selection bet where all legs must win; same as a "parlay".

ATS

Against the Spread — settlement against the published point-spread for a market.

Bet receipt

The server-generated record confirming that a bet has been accepted; the binding record of the wager.

Boost

A promotional increase to a market's offered price for a limited time or stake.

Cash-out

An option to settle an open bet at an offered value before the event ends. Not always available.

Closing line

The final price offered on a market just before the event begins.

Dead heat

A finish where two or more selections cannot be separated; settled per section 13.

Decimal odds

European-style odds where the figure represents total return per unit stake. Default at Irwin.

Each-way

A two-part bet on win and place; common in horse racing.

Exchange

A betting platform where players bet against each other; Irwin operates as a fixed-odds book, not an exchange.

Forfeit

One side withdraws or is disqualified; settlement depends on whether the event has started.

Handle

Total amount staked on a market or event.

Hedge

Placing a bet against an existing position to reduce risk or lock in profit.

In-play

Betting on an event after it has started; subject to suspension and price changes.

Liability

The operator's maximum exposure on a market — the amount that would be paid out if a specific outcome occurred.

Lucky 15

A system bet covering 15 underlying bets from 4 selections (singles, doubles, trebles, accumulator).

Money line

A bet on the outright winner with no point-spread applied.

Multiple

A bet combining 2 or more selections; same as accumulator/parlay.

No-contest

MMA / boxing result where neither competitor is declared winner; voids most markets.

Palpable error

An obvious pricing or market mistake; bets may be voided or re-priced — see section 15.

Push

A tie against the spread or total; stakes are returned.

Puck line

The hockey equivalent of a point-spread, typically ±1.5 goals.

Rule 4

A horse-racing deduction applied when a horse is withdrawn too late for the market to be re-formed.

RTP

Return to Player — long-run statistical payout of a casino game.

Settlement

The act of resolving a bet and updating the player's balance.

Single

A one-selection bet.

Spread

A handicap applied to the favourite to balance the market.

Stake

The amount risked on a bet.

System bet

A structured set of bets across a fixed group of selections (Trixie, Yankee, Lucky 15 and similar).

Trixie

4 bets from 3 selections — 3 doubles and 1 treble.

Void

A bet declared invalid; stakes are returned.

Volatility

A measure of how variable the outcomes of a slot game are over time.

Wagering requirement

The number of times a bonus must be wagered before winnings convert to cash. Default 35× at Irwin.

Walkover

One side does not appear; pre-match bets are voided.

Yankee

11 bets from 4 selections — 6 doubles, 4 trebles, 1 fourfold.