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1. Definitions 

“Bwinners Zambia” means the brand and all products offered online via  www.bwinners.com.zm

  • “Customer Funds” refers to funds held to the credit of Customers (deposits, winnings, bonuses).
  • “Kwacha (ZMW)” is the currency of operation.

2. About Bwinners Zambia

Bwinners Zambia is operated under local jurisdiction and holds all customer funds separately from business funds. While steps are taken to protect your funds, there is no absolute guarantee in the event of insolvency.

3. Licensing

Bwinners Zambia is subject to Zambian gambling and betting regulations.

4. Your Participation

Minimum age: 18+ only.

  • Participation from excluded countries or via VPN is prohibited.
  • Bwinners Zambia may void any bet placed from excluded jurisdictions and retain a 10% admin fee.

5. Your Account

You may open one account only.

  • Provide accurate, up-to-date information.
  • Account must be verified with valid Zambia-issued ID and proof of residence for withdrawals over ZMW 2,000.
  • Dormant after 12 months of inactivity.

6. Deposits and Withdrawals

Minimum deposit: Based on method (e.g., ZMW 1 via MTN).

  • Minimum withdrawal: ZMW 1 Maximum withdrawal: ZMW 30,000 per day
  • Withdrawals may require full KYC verification.
  • Any un-wagered deposits withdrawn directly may incur an 5% processing fee.

7. Betting Limits and Linked Bets

7.1. Our right to limit. We may refuse, restrict, cancel or limit any bet, or the stake allowed on any market, selection or account, at any time and at our discretion. This includes requiring a bet to be approved by us before it is accepted.

7.2. Linked bets count as one. Stake and payout limits apply to the total of all bets placed by one customer, or by customers acting together, on the same selection or on outcomes in the same market of the same event. This applies whether the bets are placed:
– (a) as a series of bets,
– (b) at different prices or at different times,
– (c) through different accounts, or
– (d) online and in shop.

7.3. Getting around limits. You may not place bets in a way designed to get around a stake limit, a payout limit or our approval process. This includes:
– (a) splitting a stake into several smaller bets;
– (b) placing again, at a lower stake, a bet that we declined or did not approve;
– (c) placing repeated bets on the same selection or market.

7.4. What we may do. Where we reasonably believe clause 3 has been broken, we may:
– (a) settle the linked bets as if they were one bet within the applicable limit, and void the part above the limit, refunding the stake on that part;
– (b) void any linked bet that has not yet been settled, refunding its stake;
– (c) withhold the affected winnings while we review the bets;
– (d) restrict or close the account.

Bets placed within the limits and not linked in this way will stand.

8. Bonus

  • Real balance is used first before any bonus balance when placing bets.
  • Any unused bonus funds remaining on the account will be forfeited upon requesting a withdrawal.
  • Players are advised to complete the wagering requirement before requesting a withdrawal, as any remaining bonus balance will not be paid out.
  • Only one (1) bonus may be active on a player’s account at any one time.
  • If a player claims a new bonus while a previous bonus is still active, the previous bonus will be automatically cancelled and forfeited.
  • Upon forfeiture, all bonus funds and any winnings derived from the previous bonus will be removed from the player’s account. Any progress made towards the wagering requirements of the forfeited bonus will also be lost.
  • Forfeited bonuses, and any associated winnings, cannot be reinstated, transferred, or refunded under any circumstances.
  • A player’s real money balance (deposited funds not linked to any bonus) will not be affected by the forfeiture of a bonus.
  • By claiming a new bonus, the player confirms that they have read, understood, and accepted this clause, including the forfeiture of any previously active bonus.

9. Retail and POS Ticket Validity

  • All tickets purchased through our retail outlets or point-of-sale (POS) terminals are valid for a period of thirty (30) days from the date of issue.
  • Any winnings on a retail or POS ticket must be claimed within the thirty (30) day validity period.
  • Tickets not presented for payment within the validity period will expire, become void, and any associated winnings will be forfeited.
  • Expired tickets cannot be reinstated, extended, or paid out under any circumstances.
  • The player is responsible for keeping their ticket safe and in good condition. The Company is not liable for lost, stolen, damaged, or illegible tickets, and payment may be refused where a ticket cannot be validated.
  • The Company reserves the right to amend this policy at any time, subject to applicable law.

10. Promotions

Promotions are governed by separate terms. Bwinners Zambia may withdraw or modify any promotion at any time.

11. Privacy

Bwinners Zambia complies with Zambia’s Data Protection Act. Your data is stored securely. Marketing communications are opt-in.

12. Responsible Gambling

Players can request self-exclusion or time-out periods. Responsible gaming tools and support resources are available via our website.

13. Player Protection

See the full Player Protection Policy for dispute handling, complaint resolution, and self-exclusion procedures.

14. Intellectual Property

All trademarks, designs, and content are property of Bwinners Zambia. Unauthorised use is strictly prohibited.

15. Third-Party Content Disclaimer

For clarity, transparency, and to protect our customers and the integrity of the Bwinners brand, please note that Bwinners is responsible for content, promotions, announcements, and communications published through its officially authorized channels.

Our Official Channels

The official Bwinners brand is represented through the following authorized channels:

  • Official Website: bwinners.com.zm
  • Facebook: https://www.facebook.com/bwinnerszambia/
  • Instagram: https://www.instagram.com/bwinnerszambia/
  • Phone: +260 570834772
  • Email: support@bwinners.com.zm

Customers should verify that they are interacting with a website, account, or channel that is officially operated or authorized by Bwinners.

The official Bwinners website and verified social media accounts remain the authoritative sources for Bwinners announcements, promotions, terms, and official communications.

Third-Party Content

The Bwinners name, logo, trademarks, promotional materials, or other brand assets may appear on websites, social media accounts, blogs, affiliate platforms, advertising platforms, and other third-party channels operated by affiliates, partners, content creators, publishers, or members of the public.

Unless expressly stated otherwise, Bwinners does not own, operate, control, or endorse content published on third-party platforms.

Content published by affiliates, partners, influencers, content creators, publishers, or other third parties is their responsibility and does not necessarily represent the official views, offers, terms, conditions, policies, or communications of Bwinners.

The use of the Bwinners name, logo, or other brand materials by a third party does not, by itself, mean that the content has been created, reviewed, approved, or endorsed by Bwinners.

No Responsibility for Unauthorized Content

Bwinners accepts responsibility for the accuracy and content of communications published through its officially authorized channels.

To the extent permitted by applicable law, Bwinners is not responsible for:

  • Content published by unaffiliated third parties;
  • Statements, claims, representations, or promises made by affiliates or other partners outside approved Bwinners communications;
  • Promotions, bonuses, offers, or other campaigns published without official authorization;
  • Misleading, inaccurate, incomplete, or outdated information published on third-party websites or social media accounts;
  • Content created, modified, reproduced, or shared by members of the public;
  • Third-party websites, social media accounts, advertising platforms, or other external platforms that reference, reproduce, or otherwise use the Bwinners brand.

Customers should always verify promotions, offers, announcements, bonus terms, and other information through the official Bwinners website or verified official social media channels before relying on them.

Brand Use by Partners and Affiliates

Affiliates, partners, influencers, publishers, and other authorized third parties may be permitted to use the Bwinners brand name, trademarks, and approved marketing materials, subject to applicable agreements, creative guidelines, and brand requirements.

Such permission does not mean that Bwinners creates, reviews, approves, endorses, or assumes responsibility for all content subsequently published by those parties.

Any third-party use of the Bwinners brand must comply with the applicable agreement, approved brand and creative guidelines, advertising requirements, and all applicable laws and regulations.

Affiliates and other authorized partners are responsible for the content they publish through their own websites, social media accounts, advertising channels, and other third-party platforms, including ensuring that their communications accurately reflect any applicable Bwinners terms and conditions.

Reporting Unauthorized or Misleading Content

If you encounter content using the Bwinners name, logo, or other brand assets that you believe is misleading, unauthorized, fraudulent, or inconsistent with official Bwinners communications, please report it through our official customer-support channels.

Where appropriate, please provide the relevant link, screenshot, account name, or other information that may help us review the content.

Official Source of Information

For your protection, always verify Bwinners information through our official channels.

The official Bwinners website and verified official social media accounts are the authoritative sources for Bwinners announcements, promotions, offers, terms, conditions, and official communications.

16. Interruptions in Play

  • No liability for connection issues, server crashes, or delayed results.
  • Malfunction voids all affected games or tickets.

17. Customer Support

Email: support@bwinners.com.zm

18. Disputes

If not satisfied with the outcome of a complaint, you may escalate to the Zambia Gaming Board or the Lotteries & Gaming Authority (LGA).

19. Liability

Bwinners Zambia is not liable for losses arising from software failure, errors in odds, or connection interruptions.

20. Bwinners Zambia is Not a Financial Institution

Does not provide financial or tax advice.

  • Anti-arbitrage and anti-money laundering policies strictly enforced.

21. Account Suspension or Closure

Bwinners Zambia reserves the right to suspend or terminate accounts suspected of fraud, multi-accounting, collusion, or other violations.

22. Other

Governing Law: Zambia

  • Currency: Kwacha (ZMW)
  • Changes: Terms may be updated; customers will be notified upon next login