Lumi Casino Terms and Conditions

Welcome to Lumi Casino. These Terms and Conditions govern your use of our website, our games, and all services we provide. By registering an account with us, you confirm that you have read, understood, and agreed to be bound by these terms in full. At Lumi Casino, we are operated by White Hat Gaming Limited, a company registered in accordance with Maltese law under registration number C73232, with our registered office at 85 St John Street, Valletta VLT1165, Malta. We hold a licence from the UK Gambling Commission (account number 52894) for customers in Great Britain, and a licence from the Malta Gaming Authority (MGA/B2C/370/2017, issued 01/08/2018) for all other customers.

Eligibility and Lumi Register Requirements

To create an account with us, you must be at least 18 years old or the legal age of gambling in your jurisdiction, whichever is higher. When you complete the Lumi register process, you must provide accurate, current, and complete information, including your legal name, date of birth, and residential address. We reserve the right to request supporting documentation at any time to verify your identity.

Our services are not available to residents of a number of restricted jurisdictions. We do not accept players from Afghanistan, Australia, Belgium, France, Germany, the Netherlands, Spain, the United States, and a substantial list of other territories published on our website. Players from Azerbaijan, Japan, Malaysia, Qatar, and Tunisia may register but cannot participate in progressive jackpot games, and any jackpot winnings from these accounts will be voided.

Lumi Casino Login and Account Security

You are responsible for maintaining the confidentiality of your Lumi casino login credentials. You must not share your username or password with any third party, and you agree to notify us immediately if you suspect unauthorised access to your account. We are not liable for losses arising from your failure to secure your login details.

Only one account per person, household, IP address, email address, phone number, payment card, or shared computer is permitted. We reserve the right to suspend or close duplicate accounts and to void any associated bonuses or winnings.

Deposits, Withdrawals, and Currency

You must register and play in the currency of your country of residence; where that currency is not offered, your account will operate in EUR. A Lumi deposit can be made using Visa, Mastercard, Maestro, Apple Pay, Paysafecard, Skrill, Neteller, or bank transfer. The minimum Lumi deposit required to qualify for our casino and sports welcome offers is $20.

When you request a Lumi withdrawal, funds are returned using the same method used for your deposit, wherever possible. Where that method is unavailable, we process payment by bank transfer. We only permit withdrawals to payment methods registered in your own name. The minimum withdrawal amount is NZ$20, and at least one deposit must have been made and wagered in full before a withdrawal can be processed.

• We apply a maximum withdrawal limit of NZ$5,000 per week unless otherwise agreed in writing.
• The maximum payout on any single bet or spin is NZ$250,000, excluding progressive jackpot winnings.
• Wins of NZ$100,000 or more may be paid in ten monthly instalments of 10% each.
• Jackpots exceeding NZ$250,000 may take up to 30 days for us to process.
• Accounts inactive for 12 consecutive months are charged NZ$5 per month, following 30 days' prior notice from us.

Verification checks must be completed before we release your first withdrawal, and again once your cumulative deposits reach €2,000. Under our MGA licence, pending time is a minimum of 24-48 hours; under our UKGC licence, it is a minimum of 24 hours. Once approved, funds are typically processed within 0-72 hours, though this can extend to three working days depending on your bank.

Lumi Bonus Terms and Promotional Offers

Our Lumi bonus programme includes a welcome package for new players, valid on your first two deposits of at least $20 each. Your first deposit earns a 100% match bonus up to $300 plus 50 free spins on Book of Dead, while your second deposit earns 150 additional free spins on the same title. Free spin winnings are credited as bonus funds, and deposit-based free spin winnings are capped at $20.

Wagering requirements for our Lumi casino bonus offers are 40x the total of bonus funds, deposit, and free spins, unless stated otherwise. Not all games contribute equally toward wagering: slots and scratchcards contribute 100%, while table games, video poker, and progressive jackpots contribute 0%. The maximum bet permitted while a welcome bonus is active is $5; betting above this threshold may result in confiscation of winnings. Deposits made via Skrill or Neteller are not eligible for this offer, and unused bonus funds expire after 30 days while unused free spins expire after 10 days.

We do not currently offer a Lumi no deposit bonus as part of our standard welcome package; however, where no-deposit bonuses or Lumi promo code offers are made available through separate promotions, winnings from no-deposit bonuses are capped at NZ$100 and from no-deposit free spins at NZ$50. Any Lumi bonus code issued to you is personal and non-transferable, and may only be redeemed once per account.

Our sports welcome offer provides a 100% match bonus up to $50 on a first deposit of at least $20, requiring opt-in through the cashier. This offer is not available to residents of Great Britain and requires minimum decimal odds of 2.00, with wagering set at 5x the bonus and deposit value, completed within 30 days using bonus funds only.

We reserve the right to limit one bonus per deposit, with no stacking of offers, and one promotion per account, household, IP address, or payment method. Single bets exceeding 20% of the bonus value are considered irregular play and may void your bonus and associated winnings.

Loyalty Points and VIP Programme

We automatically credit 500 loyalty points after your first deposit. Additional points accrue for every $10 wagered, at rates that vary by game type. Points are redeemed in batches of 1,000, worth $5 in bonus funds, with a minimum daily redemption of 1,000 points and a maximum of 10,000. Bonus funds converted through loyalty points carry 40x wagering before conversion to cash and must be used within 30 days.

Our VIP programme operates by invitation only, with tier levels reviewed every 30 to 60 days. Inactive, self-excluded, or unverified accounts will lose VIP status. Benefits across our Silver, Gold, Platinum, Diamond, and Elite tiers include priority support, dedicated account managers, enhanced deposit match offers, cash back, and exclusive event invitations.

Lumi Slots, Lumi Live Casino, and Game Fairness

Our platform features over 5,915 Lumi slots and 120 live dealer games, bringing our total game library to 6,210 titles from providers including Pragmatic, Play'n GO, Octoplay, Push Gaming, Relax, and Evolution Gaming among others. Our Lumi live casino includes live blackjack, live roulette, live baccarat, and interactive game shows such as Mega Wheel and Monopoly Roll'em.

All games offered through our platform, including our Lumi casino app and desktop site, use certified random number generators to ensure fair outcomes. We do not guarantee any particular result, and all wagers are placed at your own risk.

Responsible Gambling

We are committed to promoting responsible gambling. You may set deposit limits, loss limits, and session time limits through your account settings, and you may request self-exclusion for a defined or indefinite period. Once self-excluded, we will close your access to Lumi casino login and prevent further deposits until the exclusion period ends.

Limitation of Liability

We provide our services on an "as is" basis and do not warrant uninterrupted or error-free access. To the fullest extent permitted by law, we exclude liability for indirect or consequential losses arising from your use of our services, including any technical faults, connectivity issues, or third-party payment delays.

Amendments and Termination

We reserve the right to amend these Terms and Conditions at any time, with changes taking effect upon publication on our website. We may suspend or terminate your account if we reasonably suspect fraud, breach of these terms, or activity that violates applicable law. Continued use of our services after changes are published constitutes your acceptance of the revised terms.

Governing Law and Contact

These terms are governed by the laws of Malta and, where applicable, the laws of the United Kingdom. If you have questions about these terms, your Lumi casino bonus eligibility, or any aspect of your account, our support team is available 24/7 via live chat or by email at support@Lumi Casino.com.