Terms and Conditions | Top Online Casinos

These terms and conditions set out the rules for using Top Online Casinos at gormangreen.com, what our casino rankings and free spins comparisons mean, and what they do not promise. They also explain the second set of terms that matters far more to your money: the conditions attached to the casino offers we list, such as wagering requirements, maximum bonus bets and expiry dates. If you use this site, you accept what follows. Last reviewed Sep 25, 2026.

Who may use this site

Top Online Casinos is published for adults in the United States who are at least 21 years old. Some state-regulated casino markets set a minimum age of 21 and others 18 for certain products; we write to the higher threshold. You are responsible for confirming that real money online casino play is permitted where you are physically located before you register anywhere.

You must be 21 or over to use this site and to act on anything you read here.
You must not use the site if online gambling is prohibited in your state or jurisdiction.
You must not use the site if you are self-excluded from gambling products, or if you are acting on behalf of someone who is.
You use the information here to make your own decisions. We do not accept deposits, hold funds, run games or settle bets.

If gambling has stopped being entertainment for you, our responsible gambling guidance covers self-exclusion, deposit and loss limits, blocking software and free national support services. Gambling is never a way to make money or fix a financial problem.

How we are paid, and what commission does not buy

Top Online Casinos earns revenue from affiliate commission. If you follow a link from this site to a casino and open an account, the operator may pay us a fee. You pay nothing extra, and the offer you see is the offer the operator advertises.

Commercial relationships do not decide position. Our editorial ratings are assigned by the review team using the criteria described below, and an operator cannot buy a higher score, a better rank or the removal of a criticism. Some brands we cover pay us nothing at all. Where a listing is commercial, this disclosure applies to it.

What our ratings are, and are not

Ratings such as 10.0 or 9.6 are editorial scores set by our reviewers. They are not customer-review averages, star ratings collected from players, or a measure of how likely you are to win.
Advertised payout speeds, bonus values and game counts are operator claims unless we say otherwise. We research and verify what we can and flag what we cannot.
No casino is described here as completely safe. No page on this site guarantees a withdrawal, a payout or a win.

Bonus and free spins terms you accept from the casino, not from us

The headline number on an offer card is a marketing figure. The contract you enter is the operator's bonus terms, and those terms control whether a free spins package is worth claiming. We summarize offers accurately, but the operator's own terms always override anything written here, and offers change without notice.

Before you accept any welcome bonus, deposit bonus, no-deposit offer, cashback or loyalty reward, check these clauses:

Wagering requirements — the multiple of the bonus, or bonus plus deposit, you must stake before a withdrawal is possible. A 40x requirement on a $100 bonus means $4,000 in qualifying stakes.
Free spins value and game restriction — spins are usually fixed at a low stake and locked to named slots. Winnings from spins are frequently credited as bonus funds with their own playthrough.
Bonus cashout limits — many free spins and no-deposit offers cap what you can convert, often at a fixed dollar amount regardless of what you win.
Maximum bonus bet — a per-spin or per-hand ceiling while a bonus is active. Breaching it can void the bonus and any winnings from it.
Expiry dates — bonus funds and spins lapse, sometimes within days of crediting.
Game weighting — slots typically count 100% toward wagering; blackjack, roulette, baccarat, live dealer tables and progressive jackpots often count far less or not at all.
Minimum deposit — the qualifying deposit that triggers the offer, and whether certain payment methods are excluded.

An offer advertised as "no wagering" still carries conditions: eligibility, minimum deposit, expiry and maximum conversion. Read them.

How the listed offers compare on the terms that matter

The table restates only what the operators advertise. Every entry is subject to that operator's full terms, minimum deposit, eligibility rules and state availability.

Casino	Advertised offer	Editorial rating	Free spins included
Raging Bull	410% up to $10,000 + 50 Free Spins	10.0	Yes, 50
Magician Bet	101% No Wagering	9.9	Not advertised
Slots of Vegas	375% Bonus + 50 Free Spins on Cash Chaser	9.7	Yes, 50, on one named slot
Uptown Aces	600% For New Players	9.6	Not advertised
Card Crush	Instant Welcome Reward: 2 Mystery Coins & 5 Cards	9.6	Not advertised
Zumba Cards	250% Deposit Bonus up to 250 SC	9.6	Not advertised
BetUS	200% up to $4,000 for New Players	9.3	Not advertised
Amazon Jackpots	4 Posters + 40 FREE SC + Bonus Wheel for $20	9.3	Not advertised
Slots and Casino	500% up to $2,500 x3	9.0	Not advertised
Bets.FM	225% deposit bonus up to 1 BTC + 225 Free Spins	9.0	Yes, 225

Raging Bull — the largest advertised free spins package paired with the largest match

Ranked first on our list with an editorial score of 10.0, Raging Bull is here because its advertised 410% match up to $10,000 with 50 free spins is the broadest headline combination among the brands we cover. For a reader hunting free spins, the practical point is that the spins are a small add-on to a very large match — and large match percentages almost always carry proportionally large playthrough. Limitation: a $10,000 maximum only becomes reachable with a substantial deposit, the spins will be tied to specific slots at a fixed stake, and the maximum bonus bet rule applies throughout. Verify the wagering multiple and any conversion cap in the operator's terms before you deposit.

Magician Bet — the no-wagering angle

Rated 9.9, Magician Bet earns its place for the opposite reason to Raging Bull: a 101% offer advertised as no wagering, which removes the single clause that most often stops players converting bonus money. If you dislike playthrough math, this is the structure to look at. Limitation: "no wagering" applies to the stated offer only, not to every promotion the site runs, and the advertised 101% has no published maximum here, so the qualifying deposit range, expiry window and eligible payment methods need checking directly. No free spins are advertised as part of this offer.

Slots of Vegas — free spins on a named slot

At 9.7, Slots of Vegas advertises a 375% bonus plus 50 free spins on Cash Chaser. Naming the game is useful: you know in advance which title the spins run on and can look up its RTP and volatility rather than discovering the restriction after signing up. Limitation: a single-title restriction is also a constraint — if that slot's style does not suit you, the spins have little value, and winnings from them are commonly credited as bonus funds subject to their own wagering and cashout cap.

Bets.FM — the highest advertised spin count

Also rated 9.0, Bets.FM advertises 225 free spins alongside a 225% deposit bonus up to 1 BTC. The spin count is the largest on this list, which matters if volume of play is what you are after. Limitation: the ceiling is quoted in cryptocurrency rather than dollars, so the dollar value moves with the market, and spins are typically released in daily tranches rather than all at once. Check crypto availability and any conversion terms for your state before assuming the offer is usable.

Deposits, withdrawals and fees

Top Online Casinos handles no money. All payments run between you and the operator, and payment availability varies by casino and by state, so verify a method on the cashier page rather than assuming it works.

Debit and credit cards — the most widely accepted deposit route at US casinos. Card deposits are usually instant; some issuers decline gambling transactions, and credit card deposits may be treated as cash advances with interest and a fee from your bank.
ACH and online bank transfer — common for both deposits and payouts at state-regulated sites. Deposits often clear quickly; payouts generally take longer than e-wallets.
Wire transfer — used for larger withdrawals, typically the slowest and the most likely to carry a bank fee.
E-wallets — the fastest payout option where offered. PayPal availability is not universal for US casino play and depends on the operator and your state.
Cash at casino cage or retail — offered by some operators linked to land-based properties.
Cryptocurrency — offered by some brands, including the bitcoin-denominated offer above. Values fluctuate and conversion terms apply.

Minimum deposits, minimum withdrawal amounts, withdrawal limits per day, week or month, and any processing fee are set by each operator. So are withdrawal times: a payout is rarely instant because most sites apply an internal review period before the payment method's own clearing time starts.

Verification, and what can delay a payout

Licensed US casinos are required to verify customers. Expect know-your-customer checks at registration or at first withdrawal, covering identity, address, age and payment ownership. Larger or unusual activity can trigger source-of-funds requests. Accounts must be in your own name, and casinos generally pay back to the method you deposited with where possible.

Common causes of delay: mismatched names, expired ID, an unverified payment method, an active bonus with outstanding wagering, or a breach of the maximum bet rule. If a withdrawal is refused, use the operator's complaints procedure first, in writing, and keep the reference number. If it is not resolved, escalate to the state regulator that licenses the operator. Our contact page is for questions about this site; we cannot intervene in disputes with a casino or recover funds.

Games and other products covered

The brands listed here cover slots and progressive jackpots, table games including blackjack, roulette and baccarat, live dealer rooms, video poker and specialty games, with mobile play through browsers or apps. Return to player and volatility figures come from the software providers and describe long-run averages over very large numbers of spins — they tell you nothing about a single session. Games at licensed sites use random number generators subject to independent testing.

Several operators on this list also run products beside the casino. BetUS is a sportsbook brand as well as a casino, so its promotions may apply to sports betting rather than slots. Zumba Cards and Amazon Jackpots advertise in Sweepstakes Coins, which is a different model from real money casino play, with its own prize redemption rules and a separate legal basis. Card Crush advertises a coin and card reward rather than a cash match. Read which product a promotion actually applies to before opting in, because a sportsbook or sweepstakes offer will not behave like a free spins package.

Legal standing in the US

Online casino regulation in the United States is set at state level, not federal level. Federal law addresses matters such as interstate transmission of bets; whether you may legally play, and which operators are authorized to serve you, is decided by your state. Only a minority of states license real money online casinos, and availability, permitted products and age limits differ between them. Sweepstakes and social casino models operate under separate rules again, and are unavailable in some states.

Accepting customers from a state is not the same as being authorized to serve that state. We do not claim licensed status for any brand we have not verified, and we do not state which authority licenses an operator unless that has been confirmed. Check the operator's own licensing disclosure and your state regulator's list of permitted sites before depositing. You are responsible for any tax obligations on gambling winnings.

Using this site: content, liability and changes

Content is published for information only. It is not legal, financial or tax advice.
Offers, terms, ratings and availability change frequently. We correct pages as we verify changes, but the operator's live terms take precedence over our summary.
Outbound links lead to third-party sites we do not control and are not responsible for.
Text, tables and ratings on gormangreen.com belong to Top Online Casinos and may not be republished without permission. Short quotations with attribution are fine.
To the extent permitted by law, we accept no liability for losses arising from gambling, from reliance on this site, or from dealings with any operator listed.
We may amend these terms. The review date at the top of this page shows when they were last checked. Continued use means you accept the current version.

More about the people and process behind the scores is on our about page, and the full comparison sits on our ranked US online casino guide.

Questions readers ask about these terms

Does Top Online Casinos run any of the casinos listed?

No. We are an independent comparison publisher. We do not operate casinos, accept deposits, hold player funds or process withdrawals. Every account, payment and dispute is between you and the operator.

Can a casino pay to be ranked first?

No. Commission is paid on sign-ups from our links, but it does not set the order or the editorial score, and operators cannot have criticisms removed.

If an offer on this page differs from the casino's site, which applies?

The casino's. Promotions are withdrawn and rewritten without notice. Always read the live terms on the operator's promotions page before opting in.

Are the free spins on this page free?

Only in the sense that the spins themselves cost no extra stake. Every free spins offer listed here except a genuine no-deposit promotion requires a qualifying deposit of your own money, and winnings are normally subject to wagering and a cashout cap.

Can you help if a casino refuses my withdrawal?

We cannot recover funds or overturn a decision. Raise a written complaint with the operator, keep the reference, then escalate to the state regulator that licenses it if the answer is unsatisfactory.

Before you act on anything here

Use this site as a starting point, not a substitute for the operator's own paperwork. Shortlist two or three brands, open their bonus terms alongside each other, and compare the wagering multiple, the maximum bet while a bonus is live, the conversion cap and the expiry window rather than the headline percentage. Then confirm the site is authorized in your state and that your preferred payment method appears in its cashier. Set a deposit limit at registration, and treat any money staked as money you are prepared to lose.