Terms & Conditions

1. Acceptance

Panda Casino is operated by TigerGen Limited, registered with the Alcohol and Gaming Commission of Ontario (AGCO) under registration No. OPIG1337313 (valid March 24, 2026 – April 3, 2027), and offering online gaming in Ontario under an operating agreement with iGaming Ontario (iGO). Registered office: Level 7, The Plaza Business Centre, Triq Bisazza, Sliema SLM 1640, Malta.

These Terms & Conditions form a binding agreement between you and TigerGen Limited. By registering or using the service you confirm that you accept these terms, our Privacy Policy, our Cookie Policy, our Responsible Gaming Policy, and — where you claim them — the applicable bonus terms and the Momentum Terms. If these terms conflict with a specific bonus term, the bonus term applies to that offer only.

In these terms: "we", "us" means TigerGen Limited; "you" means the registered account holder; "the service" means the Panda Casino website, games and account features; "the Standards" means the AGCO's Registrar's Standards for Internet Gaming.

2. Eligibility

• You must be 19 years of age or older.
• You must be physically located in the Province of Ontario whenever you register, log in, deposit, wager or withdraw.
• You must register in your own legal name and hold only one account. Duplicate accounts will be closed and may result in the forfeiture of bonuses and bonus-derived winnings.
• You must have full legal capacity to enter into this agreement.
• You must not be registered with BetGuard or any other self-exclusion program that applies to Ontario internet gaming.
• You are responsible for any tax consequences of your play in your own jurisdiction.

We may verify your eligibility at any time and may restrict access, withhold withdrawals or close an account while a verification is outstanding.

3. Prohibited persons

The following people may not hold an account or play, in line with the Standards:

• Anyone under 19 years of age.
• Anyone registered with BetGuard or another Ontario self-exclusion program, for as long as the exclusion is in force.
• Directors, officers, employees and contractors of TigerGen Limited, of our game suppliers, and of any company in our group who has access to confidential game or player information — and members of their immediate household.
• Employees, officers and directors of the AGCO and of iGaming Ontario, and members of their immediate households, where the Standards prohibit participation.
• Anyone named on a Canadian sanctions list, a designated terrorist entity list, or an equivalent list we are required to screen against.
• Anyone whose account we have previously closed for breach of these terms, unless we agree in writing to reinstate them.
• Anyone acting on behalf of another person, or funding play with money that is not their own.

If a prohibited person opens an account we will close it, void the play, and return the net deposited balance where lawful to do so — winnings are not payable.

4. Your account

• Keep your login details confidential. You are responsible for all activity on your account, and you must tell us immediately if you suspect unauthorised access.
• Provide accurate, complete and current information, and update it when it changes. Registering with false information is a breach of these terms and may be an offence.
• Your account is personal and non-transferable. You may not sell, share, gift or assign it.
• Only you may deposit into and withdraw from your account. Third-party payment methods are not permitted.
• Player funds are held in a designated account, separate from our operating funds, in accordance with the Standards.
• We do not offer credit. You may only play with cleared funds in your balance.
• Your account statement, transaction history and current limits are available at any time in My Account.

5. Identity verification (KYC)

Verifying who you are is a condition of our AGCO registration and of the PCMLTFA. We use a risk-based approach, and verification may be requested at registration, before a first withdrawal, when you change key account details, when a deposit or wagering pattern changes materially, or at any time on a risk trigger.

• What we verify: your full legal name, date of birth, residential address in Ontario, and that you are the person you say you are.
• How: first by electronic checks against reliable, independent sources. Where an electronic check does not succeed we will ask you to upload documents.
• Documents we may request: a valid government-issued photo ID (Ontario driver's licence, Canadian passport, Ontario photo card); proof of address dated within the last 3 months (utility bill, bank statement, government correspondence); proof of ownership of the payment method; and, where required, source-of-funds or source-of-wealth evidence.
• Timing: we aim to review documents within 24 hours of receiving a complete set, and we will tell you if anything further is needed.
• While verification is pending we may limit deposits, suspend wagering and withhold withdrawals. We will not release funds to an unverified account.
• If verification fails or you decline to provide what we ask for, we will close the account and return the verified net deposited balance to its source where lawful, less any amounts we must withhold. Winnings obtained while ineligible are not payable.
• Ongoing monitoring: we re-verify periodically and keep verification records for the period set out in the Privacy Policy.

6. Geolocation

Ontario's regulated market is restricted to players physically located in the province. We use a specialist geolocation provider to confirm your position.

• A location check runs when you register, at every login, and periodically during play — including before a wager is accepted.
• Checks use a combination of IP address, GPS, Wi-Fi and mobile network signals, and device integrity data.
• You must allow location access when your browser or device asks for it. If you refuse, or if we cannot establish your position with confidence, wagering is blocked.
• Using a VPN, proxy, remote desktop, location spoofing tool or any other means of disguising your location is a serious breach of these terms. It may result in immediate closure of the account, forfeiture of winnings, and a report to the AGCO.
• If you leave Ontario your session ends and wagering stops. Any wager placed while outside Ontario may be voided and the stake returned.
• Geolocation data is processed as described in the Privacy Policy.

7. Anti-money laundering, sanctions and FINTRAC

TigerGen Limited maintains a written compliance program under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its regulations, overseen by an appointed Compliance Officer and independently reviewed at least every two years. The program covers client identification, risk assessment, ongoing monitoring, record keeping, training and reporting.

Our obligations to FINTRAC

Where the PCMLTFA requires it, we report to the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC):

• Suspicious transaction reports — where there are reasonable grounds to suspect a transaction, or an attempted transaction, is related to money laundering or terrorist financing. There is no dollar threshold and no time limit on suspicion.
• Large cash transaction reports — cash received of CAD $10,000 or more in a single transaction or in two or more transactions within 24 hours.
• Large virtual currency transaction reports — the equivalent thresholds for virtual currency.
• Electronic funds transfer reports — qualifying international transfers of CAD $10,000 or more.
• Terrorist property reports — where we know property is owned or controlled by a terrorist group or listed person.

What this means for you

• We screen every player against Canadian sanctions lists, terrorist entity lists and politically exposed person (PEP) sources at registration and on an ongoing basis.
• Where you are identified as a politically exposed person, a head of an international organization or a close associate of one, we apply enhanced due diligence and senior management approval, and we will ask about your source of funds and source of wealth.
• We monitor deposits, wagering and withdrawals for patterns inconsistent with normal play — for example depositing and withdrawing with minimal play, structuring transactions below thresholds, or rapid changes in payment method.
• We may ask for source-of-funds evidence at any time and may hold a withdrawal until it is provided.
• We may refuse a transaction, freeze an account or terminate the relationship where we cannot satisfy our obligations. Where funds are subject to a lawful freeze or seizure, we must comply.
• Deliberately using the service to launder funds, or to place bets with the proceeds of crime, will be reported to FINTRAC, the AGCO and law enforcement.

8. Deposits & withdrawals

Deposits

• Accepted methods are Visa, Mastercard, Interac, Apple Pay, Google Pay and PayPal. The method must be registered in your own name — third-party payments are refused and refunded.
• Minimum deposit: $10. Deposits are credited once the payment is authorised.
• Deposits are subject to the deposit limit you set at registration and can change at any time (section 12).
• We do not charge a deposit fee. Your provider may.
• You must not use a credit facility, a borrowed card or a card you do not own.

Withdrawals

• Minimum withdrawal: $20. There is no withdrawal fee for the first withdrawal in a calendar month.
• Withdrawals are returned to the method you deposited with wherever the provider allows it. Where it does not, we pay to a bank account verified in your name.
• Requests are reviewed within 24 hours on a verified account. Once approved, e-wallets typically settle within a few hours, Interac within 1 business day, and cards within 3–5 business days depending on your issuer.
• A withdrawal will be held where verification is outstanding, where an AML review is open, where a bonus wagering requirement is unmet, or where we suspect fraud or a breach of these terms.
• We may cancel a withdrawal at your request only before it has been processed. Repeatedly reversing withdrawals to continue playing is treated as a responsible-gambling risk indicator and may result in the feature being disabled for your account.
• Withdrawals are paid in Canadian dollars. Any currency conversion is applied by your provider.

9. Inactive accounts

An account with no login, deposit, wager or withdrawal for 12 consecutive months is treated as inactive. We will contact you at your registered email before taking any action. Where an inactive account holds a balance we will make reasonable efforts to return it to you. Unclaimed balances are dealt with in accordance with the Standards and applicable Ontario law. We do not charge dormancy or inactivity fees.

10. Bonuses & wagering

Bonuses are optional. You may decline any offer and play with cash funds only. Every offer has its own terms, shown before you claim; the rules below apply to all of them.

• Eligibility. Offers are for verified accounts, one per person, household, IP address, device and payment method. Bonus abuse across multiple accounts voids all related bonuses and bonus winnings.
• Wagering requirement. Bonus funds carry a play-through requirement stated as a multiple of the bonus, or of the bonus plus deposit. The welcome offer's requirement, the eligible games and the expiry are shown on the Promotions page before you opt in.
• Game weighting. Games contribute to wagering at different rates. Slots typically contribute 100%; table games, video poker and live-dealer games contribute at a reduced rate or not at all. The weighting table is shown with each offer.
• Maximum bet while wagering. While a wagering requirement is outstanding, the maximum stake per spin or hand is $5 unless the offer says otherwise. Exceeding it may void the bonus and any winnings from it.
• Order of funds. Cash funds are used before bonus funds. Winnings from bonus funds are held as bonus balance until the requirement is met.
• Maximum conversion. Unless an offer says otherwise, winnings converted from a no-deposit bonus or from free spins are capped at $100.
• Expiry. Bonus funds and free spins expire 30 days after they are credited unless the offer states a different period. Unused bonus funds and any unconverted winnings are removed on expiry.
• Forfeiting a bonus. You may cancel an active bonus at any time from your account. Cancelling removes the bonus funds and any winnings derived from them; your cash balance is unaffected.
• Withdrawing early. Requesting a withdrawal while a wagering requirement is outstanding forfeits the bonus and any bonus-derived winnings.
• Abuse. We may withhold or remove bonuses and related winnings obtained through error, low-risk or hedged betting patterns designed only to clear wagering, collusion, automated play, or breach of these terms.
• Changes. We may amend or withdraw an offer at any time. Changes do not affect a bonus you have already claimed and are still wagering.
• Advertising. Advertised amounts are maximums and are examples. Offers are not directed at people under 19 or at excluded players, and are not sent to anyone who has not given express consent to marketing.

11. Fair play & game rules

Game outcomes are determined by random number generators certified by an independent test laboratory accredited by the AGCO, and live-dealer games are conducted under the Standards. Return-to-player figures and the rules of each game are available in the game's information panel.

• You must play personally and for your own benefit. Bots, scripts, automated play, artificial intelligence agents, collusion, syndicate play and exploitation of a software fault are prohibited.
• If a game malfunctions, all affected play and pays are void. We will return stakes for the affected rounds. A malfunction never creates a valid win.
• If a bet is accepted at obviously incorrect odds, prices or payouts as a result of human or technical error, we may void it and return the stake.
• If your connection drops mid-round, the round is resolved by the game server according to its rules and the outcome stands.
• Our server records are the authoritative record of play. Where your record and ours differ, ours prevails, subject to your right to complain under section 17.

12. Responsible gambling & player limits

Full detail is in our Responsible Gaming Policy. The contractual rules are these.

• A deposit limit is mandatory at registration. You must choose an amount and a period — per day, per week or per month — before your account is opened.
• Loss limits and time limits may be set at any time from My Account.
• Decreases take effect immediately. There is no delay and no cooling-off on lowering a limit.
• Increases take effect after 24 hours and require you to confirm the change a second time after that period has elapsed. An increase you do not confirm lapses.
• Limits cannot be exceeded. A deposit that would breach your limit is declined; the limit applies across all payment methods.
• Reality checks interrupt play at the interval you choose — 15, 30, 60 or 120 minutes — and show elapsed time and net position.
• We monitor for markers of harm and may contact you, apply a limit, or restrict marketing and bonuses to your account where we have reasonable grounds to believe you are at risk.
• We do not extend credit, and we do not send marketing to anyone who is self-excluded, has an active cooling-off period, or has not given express consent.

13. Cooling-off & time-outs

A cooling-off period is a short break from play that you set yourself. It is separate from self-exclusion.

• Available periods are 24 hours, 72 hours, 7 days, 30 days or 6 weeks.
• A cooling-off period takes effect immediately and cannot be cancelled or shortened once started.
• During a cooling-off period you cannot deposit, wager or claim a bonus. All marketing to you stops.
• You can still log in to view your history, withdraw your balance and contact support.
• Any active bonus is suspended; the wagering period is paused and resumes when the cooling-off ends.
• Access is restored automatically when the period expires. We will not contact you to encourage you back.
• A cooling-off period of 6 weeks that expires without further play triggers a check-in from our player-protection team before the account reopens fully.

14. Self-exclusion & BetGuard

Full detail, including how to register and what happens to your account, is on the Self-Exclusion & BetGuard page. Contractually:

• BetGuard is Ontario's centralized self-exclusion program. Registering with it excludes you from every operator in Ontario's regulated internet gaming market, not just from us.
• Available periods are 30 days, 6 months, 1 year, 5 years or permanent.
• Self-exclusion takes effect immediately on registration, in line with AGCO Standard 2.3. We close play access, cancel scheduled marketing and remove you from every promotional audience.
• Your balance: we return your withdrawable cash balance to a verified payment method as soon as the account is closed. Bonus funds, free spins, unconverted bonus winnings and Momentum points are forfeited.
• You cannot shorten or cancel an exclusion once it has started. A permanent exclusion cannot be reversed at all.
• At the end of a fixed period the exclusion does not lift automatically: you must apply to return, and there is a mandatory 24-hour waiting period before access is restored.
• Attempting to open a new account while excluded is a breach of these terms. We will close the account, void the play, return the net deposit where lawful, and report the attempt as the Standards require.
• Self-exclusion data is processed as described in the Privacy Policy.

15. Privacy & PIPEDA

We collect, use and disclose personal information in accordance with our Privacy Policy and the Personal Information Protection and Electronic Documents Act (PIPEDA). By opening an account you acknowledge that we must verify your identity and location, monitor your play, share information with iGO, the AGCO, BetGuard and FINTRAC where the law requires it, and retain records for the periods set out in the Privacy Policy — and that these uses cannot be switched off while you hold an account.

Marketing consent is separate, express under CASL, and can be withdrawn at any time without affecting your account. Our Privacy Officer's contact details, your rights of access and correction, and how to complain to the Office of the Privacy Commissioner of Canada are set out in the Privacy Policy.

16. Prohibited use

You must not:

• Use the service if you are under 19, outside Ontario, self-excluded, or otherwise a prohibited person under section 3;
• Use another person's identity, documents or payment method, or allow anyone else to use yours;
• Open or control more than one account, or open an account for someone else;
• Use a VPN, proxy, emulator or any tool that disguises your identity, device or location;
• Use bots, scripts, automation, data scraping or reverse engineering against the service;
• Collude with other players or with a dealer, or take part in match fixing or syndicate play;
• Deposit funds derived from crime, or use the service to launder money or finance terrorism;
• Charge back or dispute a legitimate deposit rather than contacting us;
• Abuse bonuses, exploit a software fault, or knowingly benefit from an error;
• Harass, threaten or abuse our staff, live dealers or other players;
• Attempt to gain unauthorised access to any part of the service or interfere with its operation.

Breach may result in suspension or closure of your account, forfeiture of ineligible winnings, recovery of losses we suffer, and reporting to the AGCO, iGO, FINTRAC, payment providers or law enforcement.

17. Complaints & dispute resolution

We follow a defined escalation path, in line with the Standards.

Step 1 — Customer support

Contact us by live chat or at support@pandacasino.example. See Contact Us. We acknowledge every complaint within 2 business days and aim to resolve it within 10 business days. You will be given a written outcome and a complaint reference.

Step 2 — Internal review

If you are not satisfied, ask for the complaint to be escalated to our Player Complaints Manager, who is independent of the team that handled it. The review is completed within a further 10 business days. If we need longer we will tell you why and give you a date.

Step 3 — Final response

We must give you a final written position within 30 days of the original complaint. If the complaint is still unresolved after that, you may escalate externally.

Step 4 — iGaming Ontario (iGO)

Complaints about your gaming account, your funds, a game outcome or a promotion may be raised with iGaming Ontario, which conducts and manages internet gaming in Ontario. Details are at igamingontario.ca. iGO can review disputes between players and registered operators.

Step 5 — Alcohol and Gaming Commission of Ontario (AGCO)

Complaints about our conduct as a registered operator — including advertising, responsible gambling and compliance with the Standards — may be made to the AGCO using its iGaming complaint form. See Contact AGCO. The AGCO is the regulator and does not act as your agent, but it does review operator conduct.

Step 6 — Independent dispute resolution

Where the complaint concerns a specific gaming transaction and remains unresolved, it may be referred to the independent dispute resolution service designated for the Ontario market at no cost to you. We will tell you how to do this in our final response.

Nothing in this section limits your right to bring a claim in a court of competent jurisdiction in Ontario. Complaints about privacy go to our Privacy Officer and then to the Office of the Privacy Commissioner of Canada — see the Privacy Policy.

18. Suspension, termination & account closure

Closing your account yourself

• You may close your account at any time from My Account or by contacting support. No reason is required.
• We will confirm closure in writing and return your withdrawable cash balance to a verified payment method within 5 business days, subject to verification and any AML hold.
• Bonus funds, unconverted bonus winnings, free spins and Momentum points are forfeited on closure.
• Closing an account is not the same as self-exclusion. A closed account can be reopened on request; a self-exclusion cannot. If your reason for closing is gambling harm, use self-exclusion instead.
• Reopening a closed account requires a request from you, re-verification, and a fresh deposit limit.

Suspension or closure by us

We may suspend or close your account, with notice where lawful and practicable, if:

• You breach these terms or we reasonably suspect you have;
• Verification is incomplete, fails, or information you gave is false;
• We are required to by law, by the AGCO, by iGO, or under the PCMLTFA;
• You are or become a prohibited person, or you register with BetGuard;
• We suspect fraud, money laundering, collusion, bonus abuse or the use of a prohibited tool;
• Your account is inactive as described in section 9;
• We cease to offer the service, in which case we will give you at least 30 days' notice where we can and return your balance.

On suspension we will tell you what we need in order to lift it, unless the law prevents us from doing so. On closure we return the verified, eligible balance in accordance with these terms and applicable rules; winnings obtained in breach of these terms are not payable and may be recovered.

19. Liability

We provide the service with reasonable care and skill, but we do not guarantee that it will be uninterrupted or error-free. To the extent permitted by law we are not liable for losses that were not reasonably foreseeable, for losses caused by events outside our reasonable control (including network, power or provider failures), or for your decision to gamble. Nothing in these terms excludes or limits liability that cannot lawfully be excluded, including for fraud or for death or personal injury caused by negligence. Our total liability in connection with your account is limited to the balance in your account at the time the liability arose, plus any amount we wrongly withheld.

20. Governing law & severability

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, and you and we submit to the non-exclusive jurisdiction of the courts of Ontario. If any provision is found to be unenforceable, the rest continues in force. Our failure to enforce a term is not a waiver of it. These terms, together with the policies referred to in section 1, are the whole agreement between you and us about the service.

21. Changes

We may update these terms — for example to reflect a change in the Standards, in the law, or in the service. Material changes are posted here with a new "last updated" date and notified to you by email or an in-account message at least 14 days before they take effect, unless a change is required sooner by law or by the regulator. If you do not accept a change you may close your account and withdraw your balance before it takes effect. Continued use after that date means you accept the updated terms. Previous versions are available from support on request.