Stake Rules and Regulations in Canada

These terms and conditions govern all use of the Stake platform, including the official website and mobile app, by users located in Canada. By accessing any part of the platform, users acknowledge and accept the rules outlined in this document in their entirety. The terms are established in accordance with applicable Canadian legal and regulatory requirements and are designed to ensure a fair, transparent, and legally compliant environment for all participants. Users are encouraged to read this document carefully before registering an account or placing any bets. Continued use of the platform constitutes ongoing acceptance of these terms.

User Agreement and Eligibility

To be eligible to use the platform, users must meet the following conditions:

• Be at least 19 years of age (or the minimum legal gambling age in their province or territory, whichever is higher);
• Be a resident of a Canadian province or territory where online gambling is legally permitted;
• Not be a current employee, contractor, or immediate family member of Stake or its affiliated entities;
• Have the legal capacity to enter into a binding agreement under applicable Canadian law;
• Ensure that only one account is registered per individual, household, or device.

Registration requires the submission of accurate and complete personal information. Any false or misleading information provided during or after registration may result in account suspension or permanent closure.

Right to Modify Terms

The platform reserves the right to amend, update, or replace any portion of these terms at any time. Users will be notified of material changes through the platform interface or by registered email. Continued use of the platform following such notification constitutes acceptance of the revised terms. It is the responsibility of each user to review the terms periodically.

Acceptable Use

Users agree to access and use the platform solely for lawful personal entertainment purposes. The following conduct is strictly prohibited:

• Using automated tools, bots, scripts, or any software that interferes with normal platform operations;
• Engaging in collusion, fraud, or any form of match manipulation in relation to betting events;
• Attempting to exploit system errors, technical faults, or pricing discrepancies for financial gain;
• Sharing account credentials or allowing third parties to access a registered account;
• Using the platform for any commercial purpose without prior written authorization.

Intellectual Property and Content Protection

All content available on the platform, including software, graphics, text, logos, odds data, and event information, is the exclusive property of Stake or its licensed content providers. Users are granted a limited, non-transferable licence to access this content for personal use only. Reproduction, redistribution, or commercial exploitation of any platform content without express written consent is prohibited.

Limitation of Liability

The platform does not accept liability for losses arising from:

• Interruptions in service due to technical maintenance or unforeseen outages;
• Incorrect use of the platform by the user;
• Delays or failures in third-party payment processing;
• Events beyond the platform’s reasonable control, including regulatory changes or force majeure circumstances.

All services are provided on an “as available” basis. The platform does not guarantee uninterrupted access at all times. Users assume full responsibility for their use of the platform and any resulting financial outcomes.

Eligibility to Place Bets

To place a bet, users must:

• Hold a fully verified and active account in good standing;
• Have sufficient available funds in their account balance;
• Be located in a Canadian jurisdiction where sports betting is legally permitted at the time of wagering.

The platform reserves the right to limit, restrict, or refuse any bet at its sole discretion, including bets placed by users identified as consistently high-performing or those whose wagering patterns suggest irregular activity.

Bet Acceptance

A bet is only confirmed once the platform has processed and accepted the wager and a unique bet reference number has been issued. Bets remain pending until this confirmation is received. The platform reserves the right to:

• Decline a bet before it is confirmed;
• Void a bet if it was accepted in error due to a system fault or incorrect odds;
• Cancel open bets in the event that an event is postponed, abandoned, or declared void by the governing body.

Minimum and Maximum Stake Amounts

The following stake limits apply to all betting activity:

• Minimum bet per selection: subject to the specific market and event type as displayed at the time of placement;
• Maximum bet per selection: determined by the platform based on the event, odds, and individual account history;
• Maximum payout limits: applied per bet slip and per 24-hour period, as specified in the applicable market rules.

Stake reserves the right to adjust individual account limits based on risk assessment or regulatory obligations.

Settlement of Bets

Bets are settled based on the official result declared by the relevant governing body or official data provider. Settlement rules specific to each sport and market type are detailed within the platform’s sport-specific rule sections. Key settlement principles include:

• Results are taken from official sources and are considered final once confirmed;
• In the case of a disputed result, settlement may be delayed pending official clarification;
• Dead heat rules, rule 4 deductions, and void selections within accumulator bets are applied in accordance with standard industry practice;
• Winnings are credited to the user’s account balance following confirmation of the final result.

Bet Restrictions and Cancellations

Bets may be voided or cancelled under the following circumstances:

• The event did not take place on the scheduled date or was abandoned before a result could be determined;
• An obvious pricing or data error was identified at the time the bet was placed;
• Fraudulent, collusive, or irregular betting behaviour was detected in connection with the account;
• The user’s account was restricted, suspended, or closed prior to the event’s conclusion.

All decisions regarding the cancellation or voiding of bets are final and binding, subject to the platform’s internal dispute resolution process.

This section outlines the rules governing deposits and withdrawals for users registered on the platform in Canada. All financial transactions are subject to the policies described below.

Deposits

Users must fund their accounts using an accepted payment method registered in their own name. Third-party deposits are not permitted under any circumstances. The following general conditions apply to all deposits:

• Minimum and maximum deposit amounts vary by payment method and are displayed at the point of transaction;
• Deposits are generally credited to the account balance immediately upon successful processing;
• The platform does not charge fees on standard deposits, though payment processors may apply their own charges;
• The platform reserves the right to request proof of ownership for any payment method used.

Available Payment Methods

Stake accepts a range of payment options for Canadian users, including but not limited to:

• Major credit and debit cards (Visa, Mastercard);
• Bank transfers and Interac e-Transfer;
• Selected e-wallets and prepaid options as listed on the cashier page;
• Cryptocurrency, including Bitcoin (BTC), Ethereum (ETH), and other supported digital assets.

Availability of specific methods may vary depending on the user’s province of residence and current regulatory status. Users should consult the cashier section for the most current list of available options.

Withdrawals

Withdrawal requests are subject to the following conditions:

• Withdrawals must be directed to the same payment method used to make the most recent deposit, where technically possible;
• Users must have completed the required identity verification (KYC) process before any withdrawal can be processed;
• Minimum and maximum withdrawal amounts apply per method and are displayed during the withdrawal request process;
• The platform reserves the right to conduct additional due diligence before approving a withdrawal, particularly for large or unusual amounts.

Processing Timelines

Estimated processing times are as follows:

• Cryptocurrency withdrawals: typically processed within 24 hours, subject to network confirmation times;
• E-wallet withdrawals: typically processed within 24 to 48 hours;
• Bank transfers and Interac e-Transfer: typically processed within 3 to 5 business days;
• Card withdrawals: processing times vary by issuing bank but may take up to 5 business days.

These timelines are estimates and may be extended during periods of high volume, pending compliance review, or due to third-party processing delays.

KYC and AML Compliance

All users are required to complete identity verification before withdrawals are approved and may be required to do so at the time of registration or upon reaching designated transaction thresholds. Verification documentation may include:

• Government-issued photo identification (passport, driver’s licence, or provincial ID card);
• Proof of address dated within the last 90 days (utility bill or bank statement);
• Source of funds documentation for transactions exceeding applicable thresholds.

Failure to provide requested documentation within the specified timeframe may result in the suspension of withdrawal privileges or account restrictions.

The platform is committed to supporting safe and responsible gambling practices for all users in Canada. Gambling should be treated as a form of entertainment and not as a source of income. Stake provides a suite of tools and resources to help users maintain control over their activity.

Available Responsible Gambling Tools

Users can access the following tools directly through their account settings:

• Deposit limits: Set daily, weekly, or monthly caps on the amount that can be deposited into the account;
• Wagering limits: Restrict the total amount that can be wagered over a specified time period;
• Session time limits: Define a maximum duration for each login session;
• Cooling-off periods: Apply a short-term break from the platform for a defined number of days;
• Self-exclusion: Request a temporary or permanent restriction from accessing the platform, preventing all account activity during the exclusion period.

All limit reductions and self-exclusion requests take effect immediately. Requests to increase limits or end an exclusion period are subject to a mandatory waiting period before any changes are applied.

Self-Assessment

Users concerned about their gambling behaviour are encouraged to complete a risk self-assessment to evaluate their habits objectively. These assessments are available through the platform’s responsible gambling section and are completely confidential.

Support and Professional Resources

Users who require additional support can contact the following organizations:

• Gambling Support Ontario (ConnexOntario): 1-866-531-2600 or connexontario.ca;
• Problem Gambling Help Line (British Columbia): 1-888-795-6111;
• Centre for Addiction and Mental Health (CAMH): camh.ca;
• Gamblers Anonymous Canada: gamblersanonymous.org;
• Responsible Gambling Council: responsiblegambling.org.

These services are free, confidential, and available to all Canadian residents. Users are encouraged to seek professional guidance if gambling begins to affect their personal, financial, or psychological well-being.

The platform maintains strict Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) procedures in accordance with Canadian federal legislation, including the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and the requirements of the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).

Identity Verification (KYC)

All users are required to verify their identity as part of the account registration and ongoing compliance process. KYC verification may be triggered at the point of registration, upon reaching designated deposit or withdrawal thresholds, or at any time the platform determines additional verification is necessary. Required documentation includes:

• Valid government-issued photo identification;
• Proof of current residential address;
• Source of funds or source of wealth documentation, where applicable.

Documents must be current, legible, and submitted in an accepted file format. The platform reserves the right to request additional information at any stage of the account lifecycle.

Transaction Monitoring

All financial transactions are monitored on an ongoing basis through automated and manual review processes. The platform’s compliance team assesses activity for patterns or indicators that may suggest:

• Structuring of deposits or withdrawals to avoid reporting thresholds;
• Rapid cycling of funds through the account with minimal wagering activity;
• Use of multiple payment methods without clear justification;
• Activity inconsistent with the user’s stated profile or source of funds.

Detection of Suspicious Activity

The platform employs the following methods to identify and investigate potentially suspicious activity:

• Automated transaction monitoring systems that flag unusual patterns in real time;
• Manual review by the platform’s compliance team upon receipt of a system alert;
• Cross-referencing of user data against regulatory sanctions lists and politically exposed persons (PEP) databases;
• Coordination with relevant regulatory authorities and law enforcement agencies as required by law.

Account Restrictions and Fund Freezing

In the event that suspicious activity is identified or a user fails to cooperate with verification requests, the platform may take the following actions:

• Place a temporary hold on the account pending investigation;
• Restrict withdrawal access until the review is complete;
• Freeze account funds if there is reasonable grounds to suspect a violation of AML or CTF obligations;
• Terminate the account and report the activity to FINTRAC or other relevant authorities.

Users whose accounts are subject to AML-related restrictions will be notified to the extent permitted by law. The platform is legally prohibited from disclosing the details of any report filed with regulatory authorities.

The platform is committed to protecting the personal information of all users in Canada in compliance with applicable privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial privacy laws.

Personal Data Collected

The platform collects personal information from users for the purposes of account management, identity verification, regulatory compliance, and service delivery. Data collected may include:

• Full legal name, date of birth, and residential address;
• Government-issued identification details submitted during KYC verification;
• Contact information, including email address and phone number;
• Financial information, such as payment method details and transaction history;
• Technical data, including IP address, device identifiers, browser type, and session logs;
• Behavioural data related to platform usage, betting history, and account activity.

How Personal Data Is Used

Collected information is used for the following purposes:

• Verifying user identity and maintaining compliance with AML, KYC, and regulatory obligations;
• Processing deposits, withdrawals, and other financial transactions;
• Detecting and preventing fraud, account abuse, and unauthorized access;
• Communicating with users regarding account status, policy updates, and service notifications;
• Conducting internal analysis to improve platform performance and user experience;
• Fulfilling legal reporting obligations to regulatory authorities, including FINTRAC.

Personal data is not sold to third parties. Information may be shared with licensed service providers and regulatory bodies solely to the extent required to deliver the services or fulfil legal obligations.

User Rights

In accordance with PIPEDA and applicable provincial legislation, Canadian users have the following rights in relation to their personal data:

• Right of access: Users may request a copy of the personal information held about them at any time;
• Right to correction: Users may request the correction of inaccurate or incomplete data;
• Right to withdraw consent: Users may withdraw consent for certain forms of data processing, subject to legal and contractual limitations;
• Right to lodge a complaint: Users who believe their privacy rights have been violated may file a complaint with the Office of the Privacy Commissioner of Canada (OPC) at priv.gc.ca;
• Right to data portability: Where applicable, users may request that their data be transferred to another service provider in a structured, machine-readable format.

Requests relating to personal data rights should be submitted through the platform’s designated privacy contact channel. The platform will respond to all verified requests within 30 days of receipt.

The platform employs a comprehensive security framework to protect user accounts, personal data, and financial transactions. The measures described below are maintained on an ongoing basis and are reviewed regularly in response to evolving security standards and regulatory expectations.

Data Encryption

All data transmitted between users and the platform is protected using Transport Layer Security (TLS) encryption. Sensitive information stored on platform servers, including payment details and personal identification data, is encrypted at rest using industry-standard cryptographic protocols. This applies to all interactions across both the desktop website and the mobile application.

Two-Factor Authentication (2FA)

Users are strongly encouraged to enable two-factor authentication on their accounts. When 2FA is activated:

• A secondary verification code is required at each login in addition to the account password;
• Authentication codes are delivered via an authenticator application or SMS, depending on user preference;
• Account changes, including password resets and withdrawal requests, may require additional verification steps.

Enabling 2FA significantly reduces the risk of unauthorized account access.

Account Monitoring and Fraud Prevention

The platform operates continuous monitoring systems designed to detect and respond to potential security threats. These systems include:

• Automated detection of unusual login activity, such as access from unrecognized devices or geographic locations;
• Alerts triggered by multiple failed login attempts, prompting temporary account lockouts;
• Review protocols for high-value or atypical transactions that may indicate unauthorized account use;
• Cross-platform monitoring to identify accounts associated with fraudulent behaviour or identity misrepresentation.

User Responsibilities

Users bear responsibility for maintaining the security of their own accounts. This includes:

• Selecting a strong, unique password that is not used on any other platform;
• Keeping login credentials confidential and not sharing them with any third party;
• Logging out of the account when using shared or public devices;
• Notifying the platform’s support team immediately upon suspecting unauthorized access or a security breach.

The platform accepts no liability for losses resulting from a user’s failure to follow recommended security practices.