How Coins Work

Coins are the only currency in Ganbate, and they are not money. This page explains, in plain English, exactly what that means: where Coins come from, what they do, what they can never do, and what happens to them when you stop playing.

This is the human-language companion to the Virtual Currency and Purchase Terms, which are printed directly beneath it on this same page (/coins). The rules are the same — this version is just readable. If the two ever disagree, the legal version governs, but it should never come to that. If you find a place where they do disagree, email [email protected] and I will fix it.

What a Coin is

A Coin is a token for playing games. That is the entire definition.

Inside the app, your balance is an integer — a count of coin cents on a row in a database — and every movement in or out of it is written to a ledger, the most recent entries of which your wallet page shows you. (Only the recent ones: there is no paging back through your whole history yet.) The 50,000.00 Coins on your screen is 5,000,000 in that ledger. That is all a Coin has ever been.

A Coin is not money. It is not property, not credit, not a deposit, and not a claim on anything Ganbate owns. It has no cash value, and there is no mechanism anywhere in the product to turn one back into money. That is not a limitation waiting to be lifted in some future version. It is the entire point:

You cannot lose money at a Ganbate game, because the Coins you are betting are not money.

Be precise about what that does and does not say. It does not say Ganbate costs nothing: coin packs are sold for real money, and money spent on a pack is spent — you are buying entertainment, and no bet you place afterwards can win it back, because nothing here pays out in money. What it says is that the betting cannot cost you anything, that no losing streak can run up a debt, and that you never have to buy a pack to keep playing. Purchases are capped at $200.00 per rolling 24 hours, and free Coins arrive every day whether you buy anything or not.

Everything else here — the provably fair engine, the published payout maths — is in service of that.

The peg only runs one direction

Coin packs are priced off a simple peg: $1 buys 10,000 Coins, with a volume bonus on the bigger packs. It is tempting to read that as an exchange rate. It is not.

The peg is a pricing convention. It decides how many Coins go into a pack, and that is all it does. It does not run backwards. 10,000 Coins is not worth $1, cannot be sold for $1, and cannot be redeemed for $1. When you buy a pack, you are buying entertainment, not value.

Where Coins come from

There are five sources. Four of them are free.

Every number in that table is a constant in the code, not a dial someone turns by hand.

Two of the free sources are deliberately gated on being low. The daily claim will not fire while you are sitting above 50,000.00 Coins, and the rescue will not fire until you are nearly empty. That is on purpose. The free faucets exist to keep you playing, not to let you stockpile a fortune by logging in. If you are running well you will never see them; if you go broke, they pick you back up.

Used to the maximum in a single day, the free sources come to 3,600.00 Coins — and that is the honest reason paying is never required. You cannot be locked out of Ganbate by running out of Coins. Come back tomorrow and there will be more.

If you are browsing without an account, the 50,000.00 Coins you see in the corner is a demo balance. It is there so the games render properly. It cannot be wagered — placing a real bet asks you to sign in first, and that is when a real wallet, with the real starting balance, is created for you.

What you can spend them on

Bets. Every game in the lobby takes Coins, up to 100,000.00 Coins on a single bet. Win and the payout lands in your Coin balance; lose and the stake is gone. Every house edge the code fixes in advance is published at /house-edge: most games carry a flat 1% edge, and keno, plinko and baccarat run off published paytables whose expected value is pinned by tests that run in CI. Blackjack and Video Poker have no single edge figure, and I am not going to invent one — in a game with decisions, the return depends on how well you play. What is published for those two is the paytable and the rules, which is everything the return is computed from.

Two of those paytables were wrong until recently, and rather than quietly repair them I would rather you knew: the wheel's medium-risk layout did not sum to the 1% edge it claimed, and baccarat's four pair side bets had been priced for an eight-deck table and put on a single-deck game — three of them ran a 29–32% edge against the player, and the fourth, perfect pair, ran at 100.92%, which is an edge against the house. Both are repriced and pinned by tests now; every wheel layout is exactly 1% and every pair bet ~1%. The before-and-after numbers are on /house-edge.

Every instant and multi-step round can be independently recomputed from the seeds — see Provably Fair. Poker is the one place that falls short: a hand's seed pair lives in the table's memory and is replaced when the next hand deals, and nothing stores it, so a poker hand is verifiable at the table and not afterwards. That gap is listed, unclosed, on the Provably Fair page.

Poker buy-ins. Sit at a table and your Coins become chips; leave and the chips come back as Coins, one for one. Poker is the one game where you play other people instead of the house, so the house takes a rake rather than an edge: 10% of the pot, capped at 50.00 Coins, and on cash tables only when the hand reaches a flop. Tournaments take the same 10%, capped the same way, out of the prize pool at the end — and to be exact about who pays it, it comes out of the champion's winnings, not off every prize.

Cosmetics. Chat name colors and avatar frames, from 500.00 up to 25,000.00 Coins. Buying one destroys the Coins — they leave your balance and they do not come back. In exchange the item is yours permanently; you never buy it twice. Cosmetics are pure vanity: the whole of what a cosmetic carries is a color, and nothing in the shop touches odds, limits, or anything else that affects a game.

Edge Rebate. Not something you spend on, but worth knowing: on instant games, in bets of 1,000.00 Coins or less, the first 50,000.00 Coins you wager each day have one percentage point refunded into the payout — the payout is scaled by 100⁄99. The allowance resets at midnight UTC. It applies to instant bets and nothing else: every multi-step round — Mines, Tower, Chicken, HiLo, and, less obviously, Blackjack and Video Poker — is excluded, as are Crash and poker. Blackjack's two side bets never get the point back either.

Be precise about what that buys you. Eight games qualify, and the refund only reaches a true zero on four of them. On the instant games whose edge is exactly 1% — limbo, rock-paper-scissors, war, wheel — the refund really does take the edge to zero. Everywhere else it hands one point back and leaves the rest standing: dice ends up at ~99.99%, keno and plinko land within a whisker of break-even either side, and on baccarat it depends entirely on the spot — a banker bet lands at ~99.99%, but a tie bet under Edge Rebate still returns about 85%, not 100%. Rounding always drops the leftover fraction of a Coin on the house's side, so a qualifying bet is at best level, never ahead.

So read the name as what it is: a one-percentage-point refund, which is a zero edge on four games and a smaller edge on the other four. It is never a promise that a qualifying bet is free of the house.

What you can never do with them

You cannot withdraw, cash out, redeem, exchange, transfer, gift, tip, trade or sell Coins. Not to another player, not to another account, not back to yourself as money.

This is not merely a rule that is written down and then policed. There is no code to do it. Ganbate has no endpoint that moves Coins out of the system, and no gift, tip, transfer or trade feature of any kind. None is planned.

Two things look like exceptions and are not.

"Cash out" in a game does not mean cash. In Mines, Tower, Chicken, HiLo and Crash, "cash out" is the button that ends the round and banks your multiplier back into your Coin balance. It is a game action, not a withdrawal. It has never meant money — the industry just named it badly, and we inherited the word.

Poker pots move Coins between players. That is gameplay, not a transfer. Winning a pot takes chips from the other people at the table, so poker is the one place in the product where Coins legitimately move from one person to another. Because that is also the one channel someone could abuse to shovel Coins into another account, poker pots are raked — repeated dumping costs 10% per pass — and net poker flow is totted up per pair of players over a rolling 30-day window, so a pair with sustained one-way flow past 50,000.00 Coins shows up on a report I read.

Be realistic about what that is: a signal I look at, not an automatic detector. I am one person, and I will not pretend to a moderation capacity I do not have. What I can tell you is the rule, and that I act on it:

Selling Coins, buying Coins from another player, or deliberately losing at a poker table to move Coins into another account is grounds for termination. The account goes, and the balance goes with it — including Coins you bought.

Coins that can be bought and sold between players stop being a game and start being a currency, which is the one thing Ganbate is built not to be. That is why the response is the account, and not a warning.

The coin packs

The bonus column is measured against the $1 = 10,000 Coins peg. Bigger packs give you more Coins per dollar; that is the only difference between them. There are no perks, no tiers, no VIP ladder, and no pack that unlocks anything a free player cannot reach.

Worth noticing: your free starting balance of 50,000.00 Coins is exactly the Starter pack. You begin holding the thing at the bottom of the shop.

Buying a pack does two things. It puts Coins in your balance, and it pays for the servers. Together with ads, that is the entire business.

Limits on buying

• $200.00 per rolling 24 hours, across all packs. Checkouts you have started but not finished count toward it, so you cannot slip past it by opening a second tab.
• Self-exclusion closes the shop too. If you have self-excluded, you cannot start a coin-pack checkout: the server refuses it before anything reaches Stripe, so nothing is charged — and betting and cosmetics are blocked the same way. A self-exclusion that stopped the play but not the spending would be worse than none: it would look like a safety control while still taking money from the one person who has said they need to stop. One narrow gap is left, and I am not going to hide it: the check sits on the way in, not on the webhook that finishes the payment, so a checkout you had already started before you self-excluded can still land afterwards. If that happens — or if a purchase reaches you during an exclusion by any other route — email [email protected]: it is refunded in full, regardless of the 14-day rule below and regardless of whether you have since wagered. I would rather hand the money back than take it from someone who told me to stop.
• 18+. You confirm you are 18 or over when you buy. Ganbate does not verify your age.

The purchase cap is a responsible-play control, not a revenue lever, and it is set deliberately low. If it ever feels like it is in your way, that is exactly the signal it was built to send. Ganbate is free, always. See Responsible Play.

Payments are card only, handled by Stripe's hosted checkout, so Ganbate never sees or stores your card number. There is no crypto checkout: the gateway code exists but is switched off, and a crypto request is rejected outright.

Refunds

The rule, exactly as it appears in the terms:

Refundable only if requested within 14 days AND no wagers have been placed on the account since that purchase AND the purchased coins remain unspent. Otherwise final.

All three conditions. Not two out of three.

Refunds are not self-serve — email [email protected] with the purchase and I will take care of it. I am one person, so it may take a few days, but I read everything.

A refund that works

You buy the Regular pack ($9.99, 105,000.00 Coins) on 3 March. Life gets in the way and you never actually play: no bets, no cosmetics, nothing. On 12 March you email support and ask for your money back.

• Requested within 14 days? Yes — nine days.
• Any wagers since the purchase? No.
• Purchased Coins still unspent? Yes.

Refunded. The 105,000.00 Coins come back out of your balance, and the $9.99 goes back to your card.

A refund that does not

Same pack, same day. That evening you play a few rounds of Dice — small ones, and they lose. On 12 March you email support.

• Requested within 14 days? Yes.
• Any wagers since the purchase? Yes. That is where it ends.

The purchase is final. It does not matter that the bets were small, that most of the Coins are still sitting in your balance, or that you lost. Once the Coins have been played, the entertainment has been delivered, and a refund at that point would be an undo button on a game you already got to play.

The same logic covers the other two failure modes. Spend the Coins on a cosmetic and they are no longer unspent — final. Ask on day 20 and you are outside the window — final. Any single condition failing makes the purchase final.

I would rather you read that here, calmly, than discover it in a support reply.

The two places I go past the rule

The rule above is the minimum you can insist on, not the most I will do. There are exactly two situations where the money goes back even though the rule says it does not:

• A purchase made while you were self-excluded. Refunded in full, even if you have wagered since, even if the 14 days have passed.
• A purchase a child made on a parent's or guardian's card. I will not hold a parent to the 14-day window or the no-wagering condition. Write to [email protected].

Nothing else on this page should be read as a third exception.

One more thing worth saying plainly, because it is the ugly end of this: a chargeback is not a refund route. Reversing a payment through your bank after you have played gets the account terminated and the balance forfeited. If you think you are owed the money, email me — that path is open, and it is the one that ends well.

What happens to your Coins when you stop

If you simply stop playing: nothing at all. Coins do not expire. There is no inactivity rule, no dormancy fee, no forfeiture. Your balance will be exactly where you left it whenever you come back.

The one thing that resolves itself is an in-progress round. Walk away mid-game in Mines, Tower, Chicken, HiLo, Blackjack or Video Poker and the round goes stale after 24 hours; it is settled the next time it is touched — when you come back and open that game, or start a new round of it. If you had not made a move yet, your stake comes back to you. If you had, it settles as a loss. (Video Poker is the exception, in your favour: an abandoned hand pays out whatever it had already won, and returns the stake if it had won nothing.) That exists so an unfinished game cannot sit on your stake forever.

If you close your account: you can request deletion from your settings. There is a 30-day grace period — change your mind inside it and everything comes back, balance included. After it, the account and its balance are gone. There is nothing to pay out, because a Coin was never worth anything.

If Ganbate shuts down: the same answer, and I am not going to dress it up. The Coins stop existing. You are not owed a payout, because they never had cash value — not on the day the servers go dark, and not on the day you bought them. If I decide to close Ganbate, I will post notice on the site at least 30 days before the end, and stop selling packs the day the notice goes up, so nobody buys Coins they will not get to use.

Thirty days is a promise, so here is its one honest limit: if a shutdown is forced on me — by law, by a payment processor, or by something genuinely outside my control — you get as much notice as the circumstances allow, and pack sales still stop first. Notice is not compensation — the Coins you are holding are still lost. A purchase still inside the 14-day window that still meets all three conditions is still refundable under the ordinary rule — but do not count on that as a plan, because a forced shutdown may not leave the time or the capacity to process it. Everything else is a game you already played.

If that is not a trade you are happy to make, do not buy a pack. Play free. You will not be missing anything, and that is by design.

The short version

• A Coin is a token for playing. It is not money and it never becomes money.
• Free Coins arrive every day, so paying is never required to play. Money spent on a pack is spent — no bet can win it back.
• You can bet them, buy in to poker with them, and burn them on cosmetics.
• You can never withdraw, transfer, gift, trade or sell them. Trying to is grounds for termination, balance included.
• A purchase is refundable only within 14 days, with no wagers since, and the Coins unspent. All three, or it is final.
• If you leave, or if Ganbate closes, the Coins go away — and there is nothing to pay out, because there never was.

Read next: Terms of Service · Odds & House Edge · Provably Fair · Verify a bet · Your bets · Responsible Play · FAQ · Contact

Ganbate is a free-to-play social casino for adults 18+, operated by Abraham Ahn, sole proprietor, Abraham Ahn, 5013 S Louise Ave, Unit #972, Sioux Falls, SD 57108, USA. Coins have no cash value. They cannot be withdrawn, cashed out, redeemed, transferred between players, gifted, sold, or traded. There are no prizes of monetary value. No real-money gambling takes place on this site. Contact: [email protected].

Virtual Currency & Purchase Terms

Last updated: August 2, 2026

These terms govern Ganbate Coins and any Coin purchase you make at ganbate.io. They form part of your agreement with us. Ganbate is operated by Abraham Ahn, a sole proprietorship (not a corporation and not an LLC), at Abraham Ahn, 5013 S Louise Ave, Unit #972, Sioux Falls, SD 57108, USA. You can reach us at [email protected].

Ganbate is a free-to-play social casino. Coins are play money. They are not gambling chips, and no real-money wagering happens here. If any part of this document conflicts with something you read elsewhere on the site, this document controls on the subject of Coins and purchases — with two exceptions: how disputes are resolved is governed by the dispute-resolution section of our Terms of Service (see 15.5), and how your data is handled is governed by our Privacy Policy and Cookie Policy (see 15.7). This document does not override either of them.

Scope. These terms cover Coin purchases only. They do not cover any other product or subscription.

Definitions

These two terms mean the same thing in every Ganbate document, and are reproduced word for word in each of them.

"Coins" are the virtual, in-game currency used to place in-game bets and to buy cosmetic items inside Ganbate. Coins are not money and are not your property. We grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to use Coins inside the Service, for entertainment, for as long as we choose to offer them. Coins have no cash value. They cannot be withdrawn, cashed out, redeemed, transferred between players, gifted, sold, or traded. There are no prizes of monetary value.

"Account" is the single Ganbate account you register with an email address, a username, and a password, and through which you use the Service. One person may hold one Account. An Account is personal to you: it may not be shared, sold, rented, gifted, traded, or used by anyone else.

1. The short version

1.1. Coins are a feature of a game. They are not money, not property, and not yours to keep in any legal sense — you have a limited licence to use them inside Ganbate, and we can revoke it.

1.2. Coins have no cash value. They cannot be withdrawn, cashed out, redeemed, transferred between players, gifted, sold, or traded. There are no prizes of monetary value. There is no exchange rate out. Money flows in only.

1.3. You never have to pay. Free Coins are always available. Buying is a convenience, not a requirement.

1.4. Refunds are narrow. A purchase is refundable only within 14 days, only if you have placed no bets since buying, and only if the Coins are still unspent. Otherwise the sale is final.

1.5. If Ganbate shuts down, your Coins are gone and you get nothing. We are telling you this before you spend a dollar. Please read section 14.

The rest of this document is the binding detail.

2. What a Coin is

2.1. A Coin is a limited, personal, non-exclusive, non-transferable, revocable licence to use a feature of the Ganbate software. That is the entire legal substance of a Coin. It is a number in your account that lets you press buttons in our games.

2.2. A Coin is not:

• not money, currency, or legal tender of any kind;
• not your property, and not an asset you own;
• not a stored-value instrument, gift card, prepaid access, or payment instrument;
• not a security, commodity, token, or investment;
• not a credit, a deposit, or a balance held on your behalf;
• not redeemable for cash, goods, services, prizes, or anything of value outside Ganbate.

2.3. You do not own Coins. You hold a licence to use them, granted by us, on these terms. We remain the owner of everything the Coins represent. The licence lasts only as long as your account is open and Ganbate is running, and it ends when either of those ends.

2.4. Coins are not a prize. Winning a hand of Ganbate poker gets you more Coins. More Coins get you more play. That is the whole loop. Nothing you can win here has monetary value, and there are no prizes of monetary value on this site.

2.5. Coin balances are displayed to two decimal places (for example, 105,000.00). That formatting is cosmetic. A Coin balance is not a dollar balance, and the two are not convertible.

3. No cash value. No cash-out. Ever.

3.1. Coins have no cash value. We say this plainly and we mean it literally: zero. Not a reduced value, not a value we might honour in some circumstance. Zero.

3.2. There is no way to convert Coins back into money, and we do not offer one. Ganbate has no withdrawal feature, no cash-out feature, and no redemption feature. None exists in the product, and none is planned.

3.3. Some of our games use the word "cash out" — for example, collecting your Coins before a Crash round busts, or banking a Mines round early. That word means "end the round and collect Coins." It has nothing to do with money. No game action on Ganbate pays out anything except Coins.

3.4. When you buy a Coin pack, you are buying entertainment. You are not buying an asset, and you are not funding a balance you can get back. The price buys play. That is all it buys.

4. No transfers, no trading, no secondary market

4.1. You may not transfer Coins to another person. You cannot send, gift, tip, trade, sell, barter, or assign Coins to anyone, inside or outside Ganbate. There is no feature that does this, and building or using one is a breach of these terms.

4.2. You may not sell, buy, rent, or advertise Coins or accounts anywhere. That includes marketplaces, forums, social media, chat, and private arrangements. There is no legitimate secondary market for Ganbate Coins. Any such sale is void and we will not recognise it. If you buy Coins or an account from someone else, you have bought nothing: we will remove the Coins, we may terminate the account, and we will not compensate you for what you paid the seller.

4.3. Multiplayer games are gameplay, not transfers. In poker, chips move between players at a table because that is how poker works. That is the game settling a pot, not a transfer feature. Deliberately losing to move Coins to another player ("chip dumping") is prohibited. We monitor for sustained one-way Coin flow between the same pair of players, and we act on it.

4.4. Attempting any of the above is grounds for termination. If we determine that you have sold, bought, traded, gifted, chip-dumped, or otherwise attempted to move Coins between accounts, we may — at our discretion and without refund — remove the Coins involved, suspend or permanently terminate your account, and forfeit your entire balance.

4.5. Cosmetics are a one-way spend. Chat colours and avatar frames are bought with Coins, are purely decorative, and cannot be sold, traded, refunded, or turned back into Coins.

5. You never have to pay

5.1. No purchase is ever necessary to play Ganbate. Free Coins are always obtainable. If you never spend a dollar here, you can still play, indefinitely.

5.2. The free Coin sources currently in the product are:

5.3. A player at a zero balance always has a free path back to playing. Buying Coins only saves you time. It buys nothing you could not eventually get for free.

5.4. About the rewarded ad. The rewarded-ad Coins are paid for by an advertiser, not by you. The ad itself is served by a third-party advertising network (Google), and watching one means that network processes data about you in the ordinary course of serving the ad. Watching ads is always optional — every other source in the table above is available without watching anything, so you never have to trade data for Coins. What the ad network collects, what we do and do not share with it, and the choices you have over personalised advertising are set out in our Privacy Policy and Cookie Policy. Those documents govern advertising and data; this one does not.

5.5. We may change, reduce, or discontinue any individual free Coin source. We will not remove all of them — free play will remain available without payment.

6. Buying Coins

6.1. Packs and prices. The current Coin packs are:

The price and contents shown on the checkout page at the moment you buy are the ones that apply.

6.2. Payment is by card, processed by Stripe. Stripe collects your card details on its own hosted checkout page, and handles them under its own terms and privacy policy. We never see or store your card number. What we store against your account is only: which pack you bought, what it cost, when, whether it completed or was refunded, and a Stripe reference id that lets us match the payment to the purchase. Nothing else about the card reaches us. How we handle that record is covered by our Privacy Policy.

6.3. Prices are in US dollars. The price we show is the price we charge. We do not currently add sales tax, VAT, or GST at checkout. If we later become required to collect tax where you are, the checkout page will show the tax before you pay, and we will not charge it retroactively on a purchase you have already made.

6.4. Coins are delivered immediately once Stripe confirms the payment. Delivery is instant and automatic; there is nothing to ship and nothing to wait for.

6.5. There is a $200.00 rolling 24-hour purchase limit. This is a responsible-play control, not a revenue decision. It is enforced on our servers, it counts purchases still in progress, and you cannot raise it.

6.6. Self-exclusion closes the cashier, not just the tables. If you are self-excluded, you cannot buy Coins for the duration of the exclusion — purchases are blocked along with betting. The block is enforced on our servers, before any charge is created: checkout refuses, and nothing reaches your card. A self-exclusion that stopped the play but not the spending would be worse than none, because it would look like a safety control while still taking your money.

There is one narrow gap we will not paper over: if you begin a checkout and then self-exclude before the payment finishes, the payment can still land. If that happens, you can have it back — email [email protected] and we will refund it in full and remove the Coins, regardless of the 14-day rule in section 7. We would rather return your money than take it from someone who has told us to stop.

6.7. You must be at least 18 to buy Coins. By buying, you confirm that you are 18 or over, that the payment method is yours and you are authorised to use it, and that you are not located in Washington State, USA, or anywhere else Ganbate is not offered.

6.8. We may refuse or cancel any purchase — for example where we suspect fraud, a stolen card, an attempt to evade the purchase limit, or a breach of these terms. If we cancel a purchase you paid for and it was not your fault, we refund it in full.

7. Refunds — the rule

7.1. This is the rule. It is stated in exactly these words in every Ganbate document that states it — the Terms of Service, the Community Guidelines, the Responsible Play page, and About. If you ever find two of them disagreeing about it, this document governs, and the disagreement is a bug: please report it to [email protected].

A Coin purchase is refundable only if ALL of the following are true — (a) the request is made within 14 days of purchase, (b) NO wagers/bets have been placed on the account since that purchase, and (c) the purchased Coins remain unspent in the balance. Otherwise the purchase is FINAL and non-refundable. Refunds reverse the Coins. Chargebacks result in account termination and forfeiture of Coins.

7.2. All three conditions. Every time. Failing any one of them ends the matter. There is no partial refund, no pro-rata refund, and no refund of "the part you didn't use." (This is the rule for a refund as of right. There are two narrow situations where we give you more than the rule requires — see 7.8. Neither of them weakens the rule above.)

7.3. Condition (b) means any bet, of any size, in any game. One 100-Coin dice roll placed after your purchase makes that purchase final. It does not matter whether you won or lost. It does not matter whether you bet the Coins you bought or Coins you already had — Coins in a balance are fungible, and we do not track which Coin came from where. Once you wager after buying, the sale is final.

7.4. Condition (c) means unspent, not merely un-wagered. Buying a cosmetic item with Coins is spending them. It defeats the refund just as a bet does.

7.5. Refunds reverse the Coins. If we refund you, we take back the Coins the purchase gave you. Under this rule that is always possible, because the Coins are still sitting unspent in your balance — which is exactly why conditions (b) and (c) exist.

7.6. Honest disclosure about refunds outside this rule. If a refund reaches us through the card network after you have already spent the Coins — for instance, a chargeback (see section 11) — our system removes whatever Coins are left and stops at zero. It does not push your balance negative. This is not a loophole. Spending Coins and then reversing the payment is a breach of these terms, and section 11 applies: your account is terminated and your balance is forfeited.

7.7. You can check your own betting history, and that is the condition that usually decides it. The app has a bet-history page at /bets: every bet you have placed, with the game, the stake, the payout, and a timestamp. Condition (b) turns on exactly that, so if you are unsure whether you have wagered since a purchase, look there before you write to us.

Being straight about the limit of that: the app does not currently show you your purchases and bonuses. We keep a full Coin ledger on our side — every bet, win, purchase, daily claim, rescue, ad reward, and correction, each with a timestamp and the balance it left behind — and that is the record we check a refund against (see 9.2). It is not yet surfaced anywhere you can read it. Until it is, the bet-history page plus your card statement is what you have; if you want us to tell you what the ledger says about your account, email [email protected] and we will.

7.8. Two cases where we give you more than this rule. The rule in 7.1 is the minimum you can insist on. In two situations we will go past it, because keeping the money would be indefensible:

• A purchase made while you were self-excluded (see 6.6) — we refund it in full, even if you have since wagered and even if the 14 days have passed.
• A purchase made by a child on a parent's or guardian's card (see 15.2) — the 14-day window and the no-wagering condition are not conditions we will hold a parent to.

Nothing else in this document should be read as creating a further exception. If you think your situation is as serious as these two, write to us anyway and say so.

8. Worked examples

Eligible. On 3 March you buy the Regular pack — $9.99 for 105,000.00 Coins. You get distracted and never play. On 11 March you email [email protected] asking for a refund. Your bet history shows no bets since 3 March, and your balance still holds the 105,000.00 Coins, unspent.

Result: refunded. The request is inside 14 days, no wagers were placed, and the Coins are unspent. We refund $9.99 to your card and remove 105,000.00 Coins from your balance.

Not eligible — a wager was placed. On 3 March you buy the Big pack — $14.99 for 165,000.00 Coins. On 4 March you play one round of dice for 100.00 Coins and win. On 5 March you change your mind and ask for a refund.

Result: refused. You placed a bet after the purchase, so condition (b) fails. The size of the bet is irrelevant, and winning it does not help. The purchase is final.

Not eligible — the Coins were spent. On 3 March you buy the Starter pack — $4.99 for 50,000.00 Coins. You place no bets, but you spend 500.00 Coins on a Mint chat flair. On 7 March you ask for a refund.

Result: refused. Condition (c) fails — the Coins are not unspent. Note how small the spend was: a 500.00-Coin cosmetic, one percent of the pack, ends a $4.99 refund. The rule is strict, and we are deliberately showing you its strictest edge. Cosmetics are a purchase and are not reversible.

Not eligible — too late. On 3 March you buy the Huge pack — $19.99 for 230,000.00 Coins. You never play and never spend a Coin. On 25 March you ask for a refund.

Result: refused. The request is outside the 14-day window, so condition (a) fails.

9. How to request a refund

9.1. Email [email protected] from the address on your Ganbate account. Include your username and the approximate date and amount of the purchase.

9.2. We check the three conditions against your account's Coin ledger, which is timestamped and append-only.

9.3. If your request qualifies, we refund the original payment to the original card through Stripe and remove the Coins. How quickly the refund appears on your statement is up to your bank, not us.

9.4. If it does not qualify, we will tell you which condition failed.

9.5. This is a manual process handled by a person — one person, who is not sitting at a support desk. There is no self-service refund button, and we are not going to promise you a response time we cannot keep: a reply can take days. Nothing here is a service-level commitment. What we will say is that the 14-day window in 7.1 runs from your purchase, and we treat it as met by the date you wrote to us, not the date we got round to reading it — a slow reply on our side will not cost you the refund.

10. Consumers in the EU, EEA, and UK: your right of withdrawal

10.1. If you are a consumer in the European Union, the European Economic Area, or the United Kingdom, you normally have 14 days to withdraw from a purchase of digital content and get your money back. This section explains exactly how that works here. Read it together with section 7 — they are built to fit.

10.2. Coins are digital content, and they are supplied immediately. They appear in your balance the moment your payment clears. The law lets a trader ask you, at checkout, to consent to that immediate supply and to acknowledge that you are thereby giving up your right to withdraw. We do not ask you for that, and we do not collect it. So we will not claim afterwards that you waived the right, because you never did. What we do instead is set out below, and it leaves you better off than the waiver would have.

10.3. We do not treat delivery as the end of your right. We could argue that the moment the Coins land in your balance the content has been supplied and your withdrawal right is spent. We do not take that position. Instead:

Wagering is what consumes the content.

Placing a bet is the act of using the thing you bought. Until you do that — and as long as you have not spent the Coins some other way, such as on a cosmetic — the content is sitting in your balance unconsumed, and you can still change your mind.

10.4. So, for the first 14 days after a purchase: if you have placed no bets since that purchase and the Coins are still unspent, you may withdraw and we will refund you in full. That is the same rule as section 7. It is not a coincidence — section 7 is our withdrawal policy, written so that it protects every player, everywhere, not only those the law happens to cover.

10.5. Once you wager, we treat the content as consumed. You bought play, and you played it. The same is true if you spend the Coins on cosmetics. That is where our refund policy stops — and it is a policy, not a waiver we extracted from you at checkout (see 10.2). If mandatory law where you live still gives you a right at that point, 10.7 applies and that law wins, not this clause.

10.6. To withdraw, email [email protected] within 14 days of the purchase and tell us you are withdrawing. You do not have to give a reason. We refund to your original payment method.

10.7. Nothing in these terms removes a statutory right you cannot waive. If mandatory consumer law where you live gives you more than section 7 gives you, that law wins and you get the benefit of it.

11. Chargebacks

11.1. Talk to us first. If something went wrong with a purchase, email [email protected]. Almost everything is fixable that way.

11.2. Do not file a chargeback. A chargeback is a claim to your bank that a charge was unauthorised or improper. Reversing a legitimate purchase of Coins that you asked for, received, and possibly already played is not that. It is a breach of these terms.

11.3. We will dispute it. For as long as your account exists, our records show, with timestamps, exactly when the purchase completed, when the Coins landed in your balance, and every bet you placed afterwards. We will submit that evidence. If you have since deleted your account, our copy of those records is deleted with it (see 12.1), and we will defend the dispute with whatever Stripe still holds.

11.4. Consequences, regardless of who wins the dispute: we will terminate your account, and your entire Coin balance is forfeited — including Coins from other purchases, Coins you won, and free Coins. We may also decline to serve you in future.

11.5. If a chargeback succeeds after you have already played the Coins away, we cannot un-play them. That does not make the outcome acceptable, and it does not change clause 11.4.

12. Closing your account, and what happens to your Coins

12.1. You can close your account at any time. When you request deletion, we hold the account for a 30-day grace period, during which you can change your mind and everything is still there. After the grace period ends, the personal details on the account are scrubbed, and the account record itself is permanently deleted by a clean-up job that runs on a schedule — so deletion completes shortly after day 30, not on the stroke of it. We would rather give you the mechanism than a tidier date we would have to break. When that deletion lands it takes your wallet, Coin balance, bet history, Coin ledger, and purchase records with it: our own record of what you bought is deleted along with everything else. Stripe keeps its own record of the payment, under its own terms and its own retention rules — that one is not ours to delete. One practical consequence, and it is the reason we are spelling this out: if you want a refund under section 7, ask for it before you close the account (see 12.4).

12.2. Unused Coins are forfeited on closure. There is nothing to refund. Coins have no cash value, so an unused balance has no cash value either — zero Coins and a million Coins are worth exactly the same amount of money, which is nothing. Closing your account while holding a large balance does not create a claim against us of any kind.

12.3. The same applies if we close your Account — for breach of these terms, for a chargeback, for chip dumping, or for any other reason permitted by our Terms of Service. Your balance is forfeited and no refund is due.

12.4. Refunds under section 7 are not available on a closed account. If you want a refund, request it before you close the account. This does not apply to the two cases in 7.8 — a purchase made while you were self-excluded, or a purchase made by a child on a parent's card, is still refundable after the account is closed, and closing the account is often exactly what we will have done. Write to us either way.

12.5. Coins do not expire on a timer. We do not currently take Coins away for inactivity. If we ever introduce an expiry rule, we will tell you first, and it will apply only going forward.

13. Changes to packs, prices, and contents

13.1. We may change Coin pack prices, rename packs, change how many Coins a pack contains, add packs, or remove packs at any time.

13.2. Changes apply only going forward. They never reach back into a purchase you have already made, and they never change Coins already sitting in your balance. If a pack gets cheaper tomorrow, we do not owe you the difference on yesterday's purchase. If it gets more expensive, we do not take Coins back.

13.3. The price and Coin amount displayed at checkout, at the moment you confirm the purchase, are the terms of that purchase.

13.4. We may change these Virtual Currency & Purchase Terms. If a change is material, we will give notice through the site or by email before it takes effect. Continuing to buy or use Coins after that means you accept the new terms.

14. If Ganbate shuts down

14.1. We want to be blunt about this, because it is the single most important thing to understand before you buy anything.

14.2. If Ganbate stops operating, your Coins stop existing, and you will not be compensated. No refund. No cash payment. No replacement, credit, or transfer to another service. Whatever you paid is gone, and whatever balance you were holding is gone with it.

14.3. This includes Coins you bought with real money, including Coins you bought recently. The only exception is a purchase that still satisfies the refund rule in section 7 at the time you ask — and do not rely on that, because a shutdown may not leave the time or the capacity to process refunds.

14.4. What we will do. If we decide to close Ganbate down, or to close the Coin economy inside it, we will post notice on the site in advance and stop selling Coin packs from that point, so that nobody buys Coins they will not get to use. We have not committed to a fixed notice period, and we are not going to invent one here to sound reassuring. What we commit to is the order of events: the notice goes up before the end, and Coin sales stop when it does. This matches section 5.7 of our Terms of Service. It does not change 14.2: notice is not compensation, and Coins you already hold are still lost.

14.5. This follows directly from what a Coin is (section 2). A Coin is a licence to use a feature of the software. If the software is not running, there is no feature, and there is nothing left for the licence to attach to.

14.6. Ganbate is a small operation run by one person. Please treat every Coin purchase as money spent on entertainment you consume immediately — the way you would treat a cinema ticket — and not as a balance you are storing or as anything you will ever get back. If you are not comfortable with that, do not buy Coins. The free Coins in section 5 are always there.

15. General

15.1. Eligibility. You must be 18 or over to use Ganbate. It is not offered to residents of Washington State, USA, or to anyone in a jurisdiction where it may not lawfully be offered. When you buy Coins you confirm that this is true of you; we rely on that confirmation, and we do not verify it.

15.2. If a minor has bought Coins. Nobody under 18 should have an account here, and nobody under 18 should be buying Coins. We check age by asking, and by nothing else: there is no age-verification step on this site, and we are not going to describe one we have not built. That means a determined teenager can get through, and it means the burden of catching it can land on you.

If you are a parent or guardian and Coins were bought on your card by a child, email [email protected]. This is the rule, and it is firm:

• We close the account.
• We refund the Coin purchases made on your card, and we remove the Coins.
• The section 7 conditions do not apply to you. Not the 14-day window, not the no-wagering condition, not the unspent-Coins condition. We will not hold a parent to terms a child agreed to.
• We will not bill you for Coins the child already wagered. They are play money and they were never worth anything; we are not going to chase you for the difference.

Tell us the account (the username or the email it was registered with) and the approximate date and amount, so that we can find the purchases. We are not going to demand documents proving your child's age before we act.

15.3. We may adjust balances to correct errors. If a bug, an exploit, a duplicated payment, or a system failure credits Coins that should not have been credited, we may correct the balance. Correcting an error is not a penalty, and it is not a taking of your property — you did not have property.

15.4. No warranty on the Coin economy. Odds, payouts, house edge, pack contents, free Coin amounts, and game rules may all change. Coins do not entitle you to any particular game, feature, or outcome.

And the price of play is not uniform. Most bets on the site are priced at a 1% house edge, but not all of them are, and the exceptions — the baccarat tie above all — are much more expensive. Every figure is published on our Odds & house edge page, and any round can be checked yourself from /fairness. Two paytables have been wrong, both were repriced, and both corrections are recorded on the house-edge page rather than quietly folded away: the wheel's medium-risk layout used to run at a 2% edge (double the rest of the site), and baccarat's four pair side bets were mispriced badly enough that three ran at roughly a 29–32% edge against the player while a fourth, Perfect Pair, actually ran against the house. Both are fixed, and both are now pinned by tests. We are telling you here, in the document you read before you spend money, because "we corrected it" is only worth anything if you can find out that it happened. It changes nothing about the cash value of your Coins — they had none while those paytables were live and have none now, so this is not about money. But those bets cost the affected side more than the 1% the rest of the site charges, so anyone who wagered into one of those tables at the worse rate is credited the Coin difference: write to support and it is computed from your ledger and put back. When the ledger was checked against both corrections, no bet had been placed on either table while it was mispriced, so no credit was actually owed to anyone — and the commitment stands for any that later surfaces. This one-directional correction credit is separate from the purchase-refund rule in section 7, which is unchanged.

15.5. Governing law and disputes. These terms are governed by the law of the State of California, USA. How disputes are resolved — including any agreement to arbitrate, any class-action waiver, and the choice of venue — is governed by the dispute-resolution section of our Terms of Service, not by this document. That section applies to disputes about Coins and purchases in exactly the same way it applies to everything else, and nothing in this document overrides it, narrows it, or gives you a different forum.

15.6. Mandatory consumer law wins — wherever you live. Nothing in this document takes away a right you have under consumer-protection law that cannot be waived by agreement. If the law where you live gives you more than this document gives you, that law applies and you get the benefit of it. This is not limited to consumers in the EU, the EEA, or the UK: it applies to consumers in California and everywhere else we are read.

15.7. Your data and your privacy rights. This document is about Coins and money. It is not a statement of your privacy rights and does not limit them. How we collect and use your data, the legal bases we rely on, and the rights you can exercise — including rights under the GDPR and under the CCPA/CPRA for California residents — are set out in our Privacy Policy, and advertising and cookies are covered in our Cookie Policy. Where those documents and this one both speak to data, they control.

15.8. Severability. If any clause here is held unenforceable, the rest stands.

15.9. Contact. [email protected] — for refunds, purchase problems, and anything else in this document.

Ganbate is a free-to-play social casino. Coins have no cash value. They cannot be withdrawn, cashed out, redeemed, transferred between players, gifted, sold, or traded. There are no prizes of monetary value. No real-money gambling takes place on this site, and no purchase is necessary to play.