Terms of Service

1. Introduction and Acceptance

1.1 About Winnzi

Winnzi ("we," "us," "the Platform") is a competitive gaming platform that enables players to participate in esports competitions, including one-on-one Rocket League matches. Participants pay an entry fee and compete for the prize allocation displayed before entry. The Platform operates from Belgium and is accessible at winnzi.gg.

1.2 Acceptance of Terms

By creating an account, depositing funds, or using any part of the Platform, you ("the User," "you") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Platform.

1.3 Changes to Terms

We may modify these Terms at any time. Material changes will be communicated via email or a prominent notice on the Platform at least 14 days before taking effect. Continued use after changes take effect constitutes acceptance.

2. Eligibility

2.1 Age Requirement

You must be at least 18 years old (or the age of legal majority in your jurisdiction, whichever is higher) to create an account or use the Platform.

2.2 Jurisdiction

You may only use the Platform if doing so is lawful in your jurisdiction. It is your responsibility to ensure compliance with all applicable local, national, and international laws.

2.3 One Account Per Person

Each individual may hold only one account. Duplicate accounts will be terminated and associated funds may be frozen pending investigation.

3. Account and Identity Verification

3.1 Account Creation

To use the Platform, you must create an account with a valid email address, a unique username, and a secure password. You agree to provide accurate, current, and complete information.

3.2 Identity Verification (KYC)

We require identity verification to comply with anti-money laundering (AML) regulations and to unlock withdrawals. Identity verification is handled exclusively by Stripe Identity: when you start verification, you are redirected to a Stripe-hosted flow where you submit your government-issued photo ID and complete Stripe's identity checks directly with Stripe. Stripe processes and stores this data as an independent controller under its own privacy policy — Winnzi does not request, receive, view, or store your ID images or any biometric data at any point.

What Winnzi receives back from Stripe is limited to a verification result (verified / not verified), a Stripe session reference, and the verification timestamp. This result determines your trust level under Section 3.3. See our Privacy Policy for full details on this data flow.

3.3 Trust Levels

• Level 0 — Unverified: Can deposit and play. Cannot withdraw.
• Level 1 — ID verified: Withdraw up to €50,000/month.

4. How the Platform Works

4.1 Overview

Winnzi enables you to:

1. Deposit funds into your Platform wallet via credit/debit card (processed by Stripe).
2. Join or create a lobby for a Rocket League 1v1 competition with a specified entry fee.
3. Play the match in Rocket League.
4. Receive automatic payout if you win, typically within 30 seconds.

4.2 Wallet and Escrow

When you join a match, your entry fee is reserved from your available balance until the competition is settled. This confirms that all participants have paid before the match begins and enables the prize to be credited automatically once the result is established.

Your wallet balance is calculated from an immutable ledger of transactions. Every deposit, entry fee, prize payment, platform fee, and withdrawal is a separate transaction entry. We never modify your balance directly.

If the USDC feature is made available to your account, your EUR and USDC balances remain separate. EUR funds cannot be converted to USDC on Winnzi, USDC funds cannot be converted to EUR on Winnzi, and a competition can use only the settlement asset displayed before entry. USDC amounts are not included in, offset against, or guaranteed by your EUR balance.

4.3 Entry Fees

• Minimum: €5.00 per player
• Maximum: €5,000 per player
• All participants in the same competition pay the entry fee displayed for that competition.

4.4 Commission

The Platform charges a service fee on the competition prize pool, based on the entry fee per player: 10% for entry fees under €10, 7% for entry fees from €10 to under €25, and 5% for entry fees of €25 and above. The service fee is displayed before entry and contributes to platform operations, moderation, and payment costs.

4.5 Match Resolution

Match results are determined by priority:

1. Dual confirmation (both players confirm the result in the app)
2. Dispute with evidence review (contradictory results or no confirmation after 45 min)
3. Refund (dispute unresolved after 48 hours — both players refunded)

Match verification relies on player confirmation. When a dispute is opened, a human moderator manually reviews the case — there is no automated decision-making or automated payout based on third-party match data. The moderator may request scoreboard screenshots or the match .replay file from both players, and may manually inspect a submitted replay file (including via ballchasing.com) as part of the review. The moderator's decision, not any automated tool, determines the outcome.

4.6 Disconnections

• Less than 60 seconds of gameplay → match cancelled, both refunded.
• 60+ seconds → forfeit after 3 minutes of disconnection.

5. Deposits and Withdrawals

5.1 Deposits

• Processed by Stripe (credit/debit card). Deposits are instantaneous.
• Minimum: €5.00. Maximum: €10,000.00 per transaction.
• Monthly deposit limit: €50/month (Level 0 — unverified) or €10,000/month (Level 1 — ID verified).
• We do not charge deposit fees. Your bank may apply its own fees.

5.2 Withdrawals

• Minimum: €10.00. Maximum: €1,000.00 per transaction.
• Requires Trust Level 1 (ID verified). Maximum entry fee at Level 1: €5,000 per match.
• Monthly withdrawal limit: €50,000/month.
• You must have completed at least one match before your first withdrawal.
• We charge zero withdrawal fees. Winnzi fully absorbs all Stripe transfer and payout account costs on your behalf.

5.3 Refunds

• Cancelled match before start → full refund.
• Early disconnection (<60s) → full refund.
• Dispute unresolved after 48h → full refund.
• Commission is never charged on refunded matches.

5.4 Optional USDC Deposits and Withdrawals

Where enabled, USDC deposits and withdrawals are processed using NOWPayments on the single network shown in the Platform. You must use only that exact asset and network. Sending a different token, using another network, omitting a required memo, or entering an incorrect destination address may cause an irreversible loss. Blockchain transfers generally cannot be cancelled or reversed.

• USDC is a digital asset and is not legal tender or an EUR-denominated deposit.
• Its market value may vary, and network or provider availability may be interrupted.
• Network and provider fees are shown before withdrawal confirmation and are charged in USDC.
• Withdrawal addresses require a security check and a cooldown after being added or changed.
• We may pause deposits, lobbies, or withdrawals during security, provider, network, depeg, compliance, or reconciliation incidents.
• A provider or compliance review may delay a deposit or withdrawal and may require additional information.

The amount, fee, destination, network, and resulting debit shown on the confirmation screen form the instruction you approve. Do not confirm until you have independently checked the destination address and network.

6. Prohibited Conduct

6.1 Cheating

• Using cheats, hacks, or exploits in Rocket League.
• Intentionally losing ("match fixing").
• Colluding with opponents to manipulate outcomes.
• Smurfing (playing under a secondary account at a lower skill level).

6.2 Financial Fraud

• Using stolen payment methods.
• Money laundering or terrorist financing.
• Chip dumping (losing intentionally to transfer funds).
• Creating multiple accounts to circumvent limits.

6.3 Fair Play and Conduct

We enforce a zero-tolerance policy against cheating, toxic behavior, vulgarity, and malicious abuse of the dispute system (including knowingly false dispute claims). User reports are reviewed manually by a moderator.

6.4 Consequences

Enforcement scales with severity: an official warning for first or minor violations, temporary account suspension for repeated or moderate violations, and permanent account termination with an IP-based ban for critical or repeated violations. We may also apply fund forfeiture (subject to law), referral to law enforcement, or legal action.

7. Disputes Between Users

Match disputes must be opened within 24 hours of match completion. Provide replay files, screenshots, or video evidence. All disputes are reviewed manually by a human moderator — there is no automated API-based decision-making involved in resolving a dispute or triggering a payout. We aim to resolve disputes within 24 hours. If unresolved after 48 hours, both players are automatically refunded. Our decision on match disputes is final, subject to external dispute resolution (see Section 12).

8. Intellectual Property

All Platform content (text, graphics, logos, software) is the property of Winnzi or its licensors. By uploading content (replay files, profile images), you grant us a non-exclusive, worldwide, royalty-free license to use it in connection with the Platform.

Rocket League is a registered trademark of Psyonix LLC. Winnzi is not affiliated with, endorsed by, or sponsored by Psyonix LLC or Epic Games.

9. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for losses from gameplay (losing matches is inherent risk).
• We are not liable for downtime due to maintenance or technical issues.
• We are not liable for third-party service failures (Stripe, Twilio, Ballchasing.com).
• Our total liability shall not exceed the funds in your wallet at the time of the claim.

10. Account Suspension and Termination

You may close your account at any time. We may suspend or terminate your account if you violate these Terms, if we suspect fraud, or as required by law. Remaining balances will be returned subject to applicable law and any pending investigations.

11. Anti-Money Laundering (AML)

We implement AML and KYC procedures in accordance with EU anti-money laundering directives and Belgian national legislation. You agree to provide accurate information and not use the Platform for money laundering or terrorist financing. We may freeze accounts and disclose relevant information to competent authorities where required by applicable law.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of Belgium. Disputes shall be submitted to the exclusive jurisdiction of the courts of Brussels, Belgium, unless otherwise required by consumer protection law.

EU consumers may also bring proceedings in their country of domicile. The European Commission's online dispute resolution platform is available at: https://ec.europa.eu/consumers/odr.

13. Fair Competition

We are committed to fair, respectful competition. The Platform applies participation limits, anti-fraud controls, and account restrictions where necessary to protect participants and the integrity of competitions. Contact support if you need help managing your account or taking a break.

14. Contact

For questions about these Terms:

• Email: legal@winnzi.gg
• Address: [To be completed with registered business address in Belgium]