Terms & Conditions

These Terms and Conditions ("Terms") govern your relationship with the operator of the online gambling services made available to Canadian users via the website https://silveroakbet-ca.com (the "Site"), operated for the brand Silver Oak Casino under Ace Revenue Group. By accessing, registering for, or using any gaming or related services on the Site, you agree to be bound by these Terms, as updated from time to time. These Terms are effective as of 1 January 2026.

Definitions

For the purposes of these Terms, the following definitions apply:

"Operator" means Ace Revenue Group and any affiliated entity that owns, manages, or operates the Site and the Silver Oak Casino brand for Canadian users, acting from its business establishment in Costa Rica under Corporate ID 3-102-646282. This Corporate ID is a business registration and not a gambling regulatory licence.
"Site" means the domain silveroakbet-ca.com and all sub-domains, mobile versions, software, and related platforms where the Operator offers its online casino and gambling services to Canadian players.
"User" or "Player" means any natural person who accesses the Site, creates an account, or uses any service, whether for real-money play or for any other purpose.
"Account" means a unique player account registered on the Site, linked to a single individual User, through which deposits, wagers, and withdrawals are processed.
"Services" means the online casino games, betting services, promotions, bonuses, loyalty programmes, payment processing, and any other related features offered on or through the Site.
"Game(s)" means any casino game, slot, table game, live-dealer game, or other interactive gambling product made available on the Site.
"Bet" or "Wager" means any amount of real money or bonus funds staked by a User on an outcome of a Game.
"Bonus" means any form of promotional value (including but not limited to bonus money, free spins, cashback, coupons, or free chips) credited to a User's Account pursuant to a promotion or marketing offer.
"Real Money Balance" means funds deposited by the User, plus any winnings derived from such deposits and cleared for withdrawal, excluding any active or locked Bonus funds.
"Bonus Balance" means funds, free spins, or other promotional value credited by the Operator that are subject to specific wagering requirements, restrictions, and expiry rules before they may be converted to withdrawable Real Money Balance.
"KYC" (Know Your Customer) means the verification procedures used by the Operator to confirm a User's identity, age, residency, and payment methods, including but not limited to government-issued identification, proof of address, and payment instrument verification.
"Restricted Jurisdiction" means any country, province, territory, or region in which online gambling is prohibited or requires a local licence that the Operator does not hold. For clarity, the Operator does not hold an Ontario iGaming licence and is not licensed by the Alcohol and Gaming Commission of Ontario (AGCO) or any Canadian provincial regulator.
"Chargeback" means any reversal of a payment by a bank, card issuer, e-wallet, or other payment service provider at the request of the User or as a result of a dispute.
"We", "Us", or "Our" refers to the Operator; "You" or "Your" refers to the User or Player.

Account Registration

Eligibility and Age Requirements

Minimum age: You must be at least 18 years old, or the higher minimum legal gambling age in your province or territory of residence in Canada, to open an Account and use the Services. Where local law sets 19+ as the minimum age (e.g., in certain Canadian provinces), that higher age applies.
Legal capacity: You confirm that you have full legal capacity to enter into binding contracts under the laws applicable to you and that online gambling is lawful in your location. You acknowledge that the Operator is an offshore provider not licensed in Canada and that you access the Services on your own initiative and risk.
One account per person: You may register only one Account with the Site. Multiple, duplicate, or shared Accounts are prohibited and may result in termination, cancellation of wagers, and forfeiture of Bonuses and winnings.

Registration Process

Account creation: To register, you must complete the online registration form, providing accurate personal information including your full legal name, date of birth, residential address, phone number (if requested), and a valid email address.
Email verification: You may be required to verify your email address by clicking a verification link sent to the email you provided. Until verification is completed, certain features (including deposits, bonuses, or withdrawals) may be limited.
KYC and identity verification: Before allowing withdrawals, and at any time we deem necessary (e.g., high-value transactions, suspected fraud, or compliance checks), we may request KYC documentation such as:

Government-issued photo ID (passport, national ID, driver's licence);
Proof of address (utility bill, bank statement, or similar dated within the last 3 months);
Proof of ownership of payment methods (redacted card copy, bank statement, or e-wallet screenshot);
Any additional documents reasonably required to verify your identity, funding source, or to comply with anti-money laundering (AML) and fraud-prevention procedures.

If you fail to provide requested KYC documents, or if the information supplied is false, incomplete, or inconsistent, we may suspend or close your Account and withhold withdrawals in accordance with these Terms.

User Obligations and Account Security

Accuracy of data: You agree to provide true, accurate, and complete information during registration and to keep it updated. Providing false or misleading information (including using aliases, false addresses, or another person's identity) is prohibited and may lead to Account closure and forfeiture of funds, especially in cases of fraud.
Login credentials: You are responsible for maintaining the confidentiality and security of your username, password, and any other authentication details. Any activity performed through your Account with the correct credentials will be deemed as performed by you.
Unauthorized access: If you suspect that your Account has been compromised or accessed without your authorization, you must immediately notify us at [email protected] and change your password. We are not liable for losses arising from unauthorized use before you notify us and we have reasonable time to act.
Use for lawful purposes only: You may not use your Account or the Services for any unlawful purpose, including but not limited to money laundering, terrorist financing, or other criminal or fraudulent activities. We reserve the right to report suspicious activities to relevant authorities and to withhold, freeze, or confiscate funds where legally required or reasonably justified to protect our operations.
Residence and jurisdiction: By registering, you confirm that you are located in a jurisdiction where you may lawfully access offshore online casino services. The Operator does not hold Canadian provincial licences (including AGCO/IGO) and does not target users in jurisdictions where such licences are required for lawful operation.

Betting & Gameplay Rules

Placing Bets and Game Participation

Real-money play: You may place Bets only with available funds in your Real Money Balance or with eligible Bonus funds subject to Bonus-specific rules. You cannot wager more than your available balance at any time.
Minimum and maximum stakes: Each Game has its own minimum and maximum wager limits, which are displayed within the Game interface or betting panel. You agree to comply with those limits. We may adjust limits at our discretion, including per-player limits, without prior notice.
Confirmation of bets: A Bet is considered placed and accepted when it is registered on our servers and appears in your Game history. Once accepted, a Bet generally cannot be cancelled by you.
Game rules: Each Game follows specific rules as provided by the software provider and as displayed within the Game interface (help or info section). By participating, you agree to the rules and payout tables applicable to each Game.
Result determination: Game outcomes are generated using random number generator (RNG) software or live-dealer mechanisms provided by third-party vendors. The results recorded on our servers are final and conclusive, subject to manifest error or technical malfunction as outlined below.

Bet Cancellation, Errors, and Malfunctions

Operator errors: In case of an obvious error (including but not limited to misconfigured odds, incorrect payout, or Game malfunction) that clearly deviates from standard Game rules or expected functionality, we may invalidate affected Bets, void related winnings, and restore the stake to your Account, or otherwise adjust your balance to what it would have been absent the error.
Interrupted games: If your Game session is interrupted due to connection issues or technical problems, the outcome will be determined based on the records on our servers. If Game states are not recoverable, the affected Bet may be voided and the original stake refunded to your Account.
Technical malfunctions: In the event of system malfunctions, software bugs, or other failures that affect Game outcomes or balance calculations, all Bets and payouts impacted by such malfunctions may be voided. Our liability is limited to the original stake or the actual balance state prior to the malfunction, as further detailed in the "Limitation of Liability" section.
User-initiated cancellation: Once a Bet has been accepted by our servers, you generally cannot cancel, modify, or withdraw it. Any exceptions will be at our sole discretion.

Player Conduct and Use of the Services

Fair play: You agree not to use any unfair advantage, including software bots, automated betting scripts, unauthorized third-party tools, collusion with other players, exploitation of bugs, or any technique designed to manipulate Game outcomes or gain an unfair edge.
Prohibition of fraud: You must not engage in fraud, including but not limited to payment fraud, identity theft, bonus abuse, chip dumping, or any other deceptive conduct. We reserve the right to investigate, freeze Accounts and funds, void Bets, and report suspected fraud to relevant authorities and payment providers.
Live casino and chat conduct: Where live casino Games or chat features are available, you must behave respectfully and refrain from:

Using offensive, discriminatory, racist, sexist, or hateful language;
Harassing, threatening, or abusing dealers, staff, or other players;
Promoting illegal activities, other gambling sites, or third-party advertising;
Sharing personal contact information or soliciting others for financial or personal reasons.

Monitoring and sanctions: We may monitor chat and gameplay for compliance. Violations may lead to chat restrictions, Game access suspension, Account closure, forfeiture of Bonuses and winnings derived from misconduct, and notification to relevant authorities where appropriate.

Bonus Terms

General Bonus Conditions

Promotional offers: The Operator may offer Bonuses (e.g., welcome packages, reload bonuses, free spins, cashback) to eligible Users. Each Bonus is governed by these Terms and any specific rules set out in the relevant promotion description on the Site or in marketing communications.
One Bonus per person/household: Unless expressly stated otherwise, Bonuses are limited to one per person, household, IP address, device, payment method, or shared environment (e.g., dormitory, workplace). Multiple claims may be treated as Bonus abuse.
Bonus codes: Certain promotions require the entry of a valid Bonus or coupon code at the time of deposit or registration. Failure to apply the code correctly may result in non-crediting of the Bonus, which we are not obliged to retroactively correct.

Activation, Wagering Requirements and Timeframes

Activation: A Bonus may be credited automatically upon qualifying deposit or manually by support, depending on the promotion. You must check the specific conditions of each offer. Some promotions may require opting in via the cashier or promotions page.
Wagering requirements: Unless otherwise specified, Bonuses and associated winnings are subject to wagering requirements, expressed as a multiple of the Bonus amount, the deposit amount, or both (e.g., 30x Bonus + deposit). You must complete the full wagering requirement before requesting a withdrawal of Bonus funds or winnings derived therefrom.
Contribution of Games: Different Games may contribute differently, or not at all, toward wagering requirements. Typically, slots may contribute 100%, while table games, video poker, or live casino may contribute less or 0%. The exact contribution rates and excluded Games will be listed in the Bonus rules on the Site.
Time limits: Bonuses and their wagering requirements must usually be completed within a specified timeframe (e.g., 7 - 30 days) from activation. After expiry, unused Bonus funds and potentially associated winnings may be forfeited. Time limits for each promotion are stated in the respective promotional terms.
Maximum bet while wagering: While an active Bonus is being wagered, a maximum bet per spin/round may apply (e.g., a fixed CAD amount per bet). Exceeding the maximum allowed bet during wagering may be treated as Bonus abuse and may lead to confiscation of the Bonus and winnings.

Prohibited Games, Actions, and Bonus Abuse

Excluded Games: Certain Games may be excluded from Bonus play or may not contribute toward wagering. Playing excluded Games with Bonus funds may result in the Bonus and related winnings being forfeited.
Irregular play patterns: The following, among others, may be considered prohibited or irregular play for Bonus purposes:

Placing large bets that substantially increase in value after a series of low-contribution or zero-risk bets;
Betting on opposite outcomes to guarantee returns with Bonus funds;
Using Bonus funds solely to progress through Game stages that have low risk, and then using real money to complete the Game with high probabilities of winning ("value build-up");
Deliberately stalling Game rounds or accumulating features using Bonuses for later completion with real money funds.

Multiple accounts and linked users: Creating multiple accounts to claim Bonuses more than once, coordinating with other players to share Bonus benefits, or any attempt to bypass one-per-person or other eligibility restrictions is strictly prohibited.
Consequences of Bonus abuse: In the event of suspected or confirmed Bonus abuse, we may, at our sole discretion:

Cancel active Bonuses and associated winnings;
Adjust balances to remove unfair gains;
Close or block your Account and associated accounts;
Withhold withdrawals relating to abusive activity, subject to applicable laws.

Combining Promotions and Bonus Rollover

Non-cumulative offers: Unless explicitly allowed, Bonuses cannot be combined. Only one active deposit Bonus may apply to your Account at a time. Additional deposits during an active Bonus period may not trigger new Bonuses unless specified.
Order of fund use: Unless otherwise stated, wagers are usually deducted from your Real Money Balance first, followed by your Bonus Balance. The rules governing the order of fund usage and resulting withdrawals are set out in the Site's Bonus policy, which forms part of these Terms.
Withdrawal before wagering completion: If you request a withdrawal before fulfilling the wagering requirements of an active Bonus, the Bonus and any associated winnings may be forfeited, and only your remaining Real Money Balance (after any adjustments) may be withdrawn.

Payments & Withdrawals

Deposit Methods and Limits

Payment options: The Site may support various deposit methods for Canadian users, including (subject to availability and change):

Bank cards (e.g., Visa, Mastercard);
E-wallets or online payment services;
Prepaid cards or vouchers;
Certain approved cryptocurrencies, processed via third-party providers, where permitted by law and by our internal policies.

Availability disclaimer: Not all payment methods may be available in every Canadian province or at all times. Payment methods may be added, modified, or removed without prior notice.
Currencies: Deposits may be made in supported currencies as listed in the cashier. If your deposit is made in a currency that differs from the Account currency, conversion may occur at prevailing exchange rates, and fees or rate spreads charged by banks or payment processors may apply.
Deposit limits: Minimum and maximum deposit amounts apply and are shown in the cashier interface. We may impose additional limits depending on your profile, payment method, and responsible gambling measures.

Withdrawals, Processing Times and Verification

Withdrawal methods: Withdrawals will generally be processed via the same method used for deposit, where feasible. Where this is not possible, we may select an alternative method in consultation with you, subject to compliance checks and payment-provider rules.
Identity and security checks: We may require full KYC verification before processing withdrawals, especially for larger amounts or where prior verification has not been completed. Failure to pass or complete verification may result in withdrawal delays or refusal.
Processing times: Internal review and processing times may vary depending on the method, risk assessments, and KYC status. Once approved by us, the time it takes for funds to reach you depends on external payment providers and banks. We do not control and are not responsible for external delays.
Withdrawal limits: Minimum and maximum withdrawal limits per transaction, day, week, or month may apply and will be communicated in the cashier or through support. We may further limit withdrawals in cases of progressive jackpot wins or unusually large payouts, paying them out in instalments in accordance with our internal policies.

Fees, Chargebacks, and Refunds

Fees: The Operator may charge reasonable processing fees for certain deposit or withdrawal methods, which will be disclosed in the cashier. Third parties (e.g., banks, card issuers, e-wallets, crypto gateways) may also charge independent fees that we do not control.
Chargebacks and reversals: Initiating a Chargeback or payment reversal without valid cause may be treated as a breach of these Terms and as potential fraud. In such cases, we may:

Immediately suspend or close your Account;
Void Bets, Bonuses, and winnings linked to the disputed transaction;
Recover any outstanding amounts via lawful means, including debt collection.

Refunds: Real-money deposits are generally non-refundable once used to place Bets. In exceptional circumstances and at our sole discretion, we may agree to a partial or full refund of unused deposits. Any refund does not create an obligation to offer similar refunds in the future.
Bonus-related refunds: Bonuses are promotional and have no cash value unless the applicable wagering requirements are fully satisfied. If a Bonus is cancelled or forfeited (e.g., due to inactivity, expiry, or breach), you are not entitled to a cash refund for the Bonus amount.

Anti-Money Laundering and Source of Funds

AML monitoring: Even though the Operator is registered in Costa Rica and does not hold a formal gambling regulatory licence, it applies internal anti-money laundering and risk-based procedures. We may monitor transactions and Account activity and request additional information about your source of funds or wealth.
Suspicious activity: If we reasonably suspect money laundering, fraud, or other illegal activity, we may freeze or close your Account, delay or withhold withdrawals, and report relevant information to applicable authorities or payment processors as required or permitted by law.

Limitation of Liability

Operator Obligations and Fairness

Service provision: We shall use reasonable efforts to operate the Site and Services with due skill and care, ensuring that:
- Games are provided in accordance with their published rules and payout tables;
- Random number generator (RNG) systems are designed to produce fair and unbiased outcomes, as supplied by our third-party software vendors;
- Account balances and transaction records are maintained with reasonable accuracy.
No guarantee of uninterrupted service: We do not warrant that the Site or Services will be uninterrupted, error-free, or available at all times. Maintenance, updates, third-party failures, or unforeseen events may cause temporary service interruptions or errors.

Exclusions and Limitations

Technical failures: To the fullest extent permitted by law, we are not liable for any loss or damage arising from:
- Internet or network failures, latency, or disruptions beyond our direct control;
- Hardware or software malfunctions on your device;
- Incorrect configuration of your systems or incompatibility with our software;
- Delays or failures caused by third-party providers (including payment processors and telecom providers).
Indirect or consequential losses: We are not liable for indirect, incidental, consequential, special, or punitive damages, including loss of profits, loss of opportunity, loss of data, or reputational damage, even if we have been advised of the possibility of such damages.
Maximum liability: In any case where we are found liable to you in connection with a Bet, Game, or other Service, our maximum aggregate liability shall not exceed the lesser of:
- The amount of the Bet or wager placed by you in respect of the relevant Game or transaction; or
- Your net winnings from the relevant Game (if any) that are directly affected by the error or issue.
Legal status and licensing: You acknowledge that the Operator is an offshore entity registered in Costa Rica under Corporate ID 3-102-646282, and that this registration is not an iGaming regulatory licence. The Operator does not hold Canadian provincial licences (including AGCO/IGO) and is not supervised by Canadian gaming regulators. By using the Site, you accept the risks associated with gambling with an offshore, non-Canadian-licensed operator.
Responsibility for local laws: You are solely responsible for ensuring that your use of the Services complies with the laws applicable to you in Canada or elsewhere. We provide no legal or tax advice and shall not be liable for any consequences if your use of the Services is or becomes unlawful in your jurisdiction.

Intellectual Property Rights

Ownership of Content and Software

Operator and third-party rights: All intellectual property rights in and to the Site and Services, including but not limited to logos, trademarks, trade names, domain names (including silveroakbet-ca.com), brand elements associated with Silver Oak Casino, Game titles, software, text, graphics, audio, video, user interface design, and any other content, are owned by the Operator or its third-party licensors and are protected by copyright, trademark, and other intellectual property laws.
Limited licence: You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Site and Services solely for personal, non-commercial entertainment, in accordance with these Terms. No other rights are granted to you.

Prohibited Uses

No reproduction or distribution: You may not copy, reproduce, distribute, transmit, publicly display, publicly perform, modify, adapt, translate, reverse-engineer, decompile, disassemble, or prepare derivative works based on the Site, the software, or any part thereof, except where expressly permitted by mandatory law.
No unauthorized use of trademarks: You may not use the Operator's trade names, trademarks, logos, or brand elements (including Silver Oak Casino and Silver Oak Casino) without our prior written consent.
No scraping or data mining: Automated scraping, crawling, data mining, or other forms of automated data extraction from the Site are strictly prohibited.

Privacy & Data Protection

Your personal data is collected and processed in accordance with our separate Privacy Policy, which forms an integral part of these Terms. By using the Site and Services, you acknowledge that you have read and understood the Privacy Policy, as published on the Site and historically referenced at https://silveroakcasino.com/privacy-policy/, and you consent to the processing, storage, and use of your data as described therein.

Data processing: We collect and process personal information for purposes including Account registration, KYC verification, payment processing, fraud prevention, responsible gambling measures, and customer support.
International transfers: As the Operator is based in Costa Rica and uses third-party providers located in various jurisdictions, your data may be transferred and processed outside Canada. We implement reasonable technical and organizational measures to protect your data but cannot guarantee absolute security.
User rights: Subject to applicable laws, you may have certain rights regarding your personal data, such as access, rectification, or deletion. Requests should be submitted to the contact details provided in the Privacy Policy or via [email protected].

Changes to Terms

Amendment and Notification

Right to modify: We may amend, update, or replace these Terms at any time to reflect changes in our Services, legal requirements, regulatory guidance, or business practices, including for Canadian users.
Notification methods: Material changes to the Terms will be communicated by one or more of the following:
- Posting the updated Terms on the Site with a revised "effective date";
- Displaying an in-site banner or pop-up notice upon login or on key pages;
- Sending an email to the address registered in your Account.

Acceptance of Updated Terms

Continued use: By continuing to access or use the Site and Services after the updated Terms become effective, you are deemed to have accepted the changes.
Right to discontinue: If you do not agree with the updated Terms, you must immediately stop using the Site, close your Account in accordance with the procedures set out herein, and may request withdrawal of any remaining Real Money Balance (subject to verification and compliance checks).

Termination & Suspension

Operator's Right to Suspend or Close Accounts

Grounds for suspension/closure: We may suspend or terminate your Account, block access to the Site, or restrict your use of the Services in whole or in part if:
- You breach or are suspected of breaching these Terms or any applicable policy (including Bonus rules);
- We suspect fraud, money laundering, collusion, or other illegal or unethical conduct;
- You provide false or misleading information or fail to complete required KYC verification;
- We are required to do so by law, by a payment provider, or by a competent authority; or
- We decide, at our discretion and acting reasonably, to cease offering Services to you or to users in your jurisdiction.
Temporary suspension: During investigation of suspected violations, your Account may be temporarily suspended, with restricted access to funds and Games, until the investigation concludes.

User-Initiated Account Closure

Voluntary closure: You may request to close your Account at any time by contacting customer support at [email protected]. We may ask you to confirm your identity and intention in writing or via secure channels.
Remaining funds: Upon closure, any remaining Real Money Balance, after deducting applicable fees or amounts owed to us, may be withdrawn subject to KYC verification and these Terms. Active Bonuses and associated Bonus Balances will typically be cancelled and forfeited.

Effect of Termination

Access termination: Upon termination or closure (whether by you or by us), your right to access and use the Services ceases, but:
- Any existing obligations, including outstanding debts, disputes, and our rights under these Terms, shall survive;
- We may retain certain data for legal, regulatory, or legitimate business purposes in accordance with our Privacy Policy.
Forfeiture of Bonuses and winnings: In cases involving serious breach, fraud, or unlawful activity, we may void or confiscate Bonuses, Bonus-derived winnings, and, where required or permitted by law, certain Real Money funds associated with the misconduct.

Governing Law & Jurisdiction

Applicable Law

Offshore operation: The Operator is organised and operates from Costa Rica under Corporate ID 3-102-646282, which functions as a business registration rather than a gambling regulatory licence. The core contractual relationship between you and the Operator is, to the extent permitted by conflict-of-laws rules, governed by the laws of Costa Rica.
Consumer protections in Canada: As a Canadian User, you may have certain mandatory consumer protection rights under the laws of your province or territory. Nothing in these Terms is intended to unlawfully limit any non-waivable rights you may have under such laws. However, you understand that the Operator is an offshore, non-Canadian-licensed provider and not subject to direct supervision by Canadian gaming regulators.

Dispute Resolution

Internal complaints process: If you wish to raise a complaint regarding the Services, you should first contact our customer support team via [email protected], providing full details of the issue, relevant transaction IDs, screenshots where possible, and your Account information. We will use reasonable efforts to investigate and respond within a reasonable time frame.
No accredited ADR body: As of 2026, the Operator does not participate in a formally accredited external alternative dispute resolution (ADR) scheme (such as eCOGRA or IBAS), and there is no appointed official mediator or ombudsman for disputes relating to Silver Oak Casino.
Court jurisdiction: Subject to any mandatory consumer rights to bring actions in your local Canadian courts, you agree that any dispute, controversy, or claim arising out of or in connection with these Terms, your use of the Site, or the Services shall be subject to the non-exclusive jurisdiction of the competent courts of Costa Rica. Nothing prevents you from seeking remedies in any court of competent jurisdiction where such right cannot be waived by contract.

Contact Information

If you have any questions about these Terms, your Account, or the Services, or if you wish to submit a complaint, please contact us using the following details:

Website: https://silveroakbet-ca.com
Email (general support and disputes): [email protected]
Telephone: Not currently specified. Any applicable phone support numbers will be published on the Site if and when they become available.
Mailing address / registered office: The Operator is registered in Costa Rica under Corporate ID 3-102-646282 (Ace Revenue Group). Specific headquarters, legal address, or regional Canadian office details are not publicly specified as of 2026. Any updates will be posted on the Site and, where appropriate, reflected in these Terms.

When contacting us, please include your full name, registered email address, username, and a clear description of your query or complaint so that we can process your request efficiently.