Terms of Service

Last Updated: January 2026

Welcome to hcapay.co.uk ("we," "us," "our," or "Site"). These Terms of Service ("Terms") govern your access to and use of our website and content. By accessing hcapay.co.uk, you agree to be bound by these Terms. If you do not agree to any part of these Terms, please do not use our Site.

1. Acceptance of Terms

By accessing, browsing, or using hcapay.co.uk in any manner, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service and our Privacy Policy. These Terms constitute the entire agreement between you and hcapay.co.uk regarding your use of the Site.

2. Site Purpose

hcapay.co.uk is an informational and review website only. We provide independent reviews, ratings, and information about online casinos and gambling platforms. We are NOT a gambling operator, casino provider, or gaming platform. We do not offer gambling services, accept wagers, process payments for gambling activities, or operate any games of chance. All gambling must be conducted directly through the licensed operators we review.

Our Site is designed to help users make informed decisions by providing comparative information and educational content about third-party gaming operators.

3. Age Restriction

You must be at least 18 years of age (or the minimum legal gambling age in your jurisdiction, whichever is higher) to access and use this Site. By using hcapay.co.uk, you represent and warrant that you meet this age requirement. We do not permit access to minors under any circumstances. We are not responsible for verifying your age; this responsibility lies with the individual casino operators themselves.

4. Disclaimer

The information contained on hcapay.co.uk is provided on an "as-is" basis. While we endeavour to provide accurate, up-to-date information about casinos and their offerings, we make no warranties or representations regarding the accuracy, completeness, or timeliness of any content. Casino terms, conditions, bonuses, licensing status, and operational details may change without notice.

You should always verify all information directly with the casino operators before making any decisions or deposits. We are not responsible for any inaccuracies, omissions, or errors in the information presented on our Site. Your reliance on any information is at your own risk.

5. Affiliate Relationship

hcapay.co.uk earns affiliate commissions from the casinos and gambling operators we recommend and link to on our Site. This means we receive financial compensation when you click through our links and complete certain actions (such as registration or deposits) with these operators. This affiliate relationship does not influence the independence of our reviews; however, you should be aware of this commercial relationship when reviewing our content.

Our recommendations are not endorsements of legality or safety. Each user is responsible for verifying the licensing, jurisdiction, and legitimacy of any operator before engaging with them.

6. Intellectual Property

All content on hcapay.co.uk, including but not limited to text, graphics, logos, images, audio clips, video clips, and software, is the property of hcapay.co.uk or its content suppliers and is protected by UK and international copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, transmit, display, perform, or publish any content from hcapay.co.uk without our prior written permission, except for personal, non-commercial use and where permitted by applicable law.

7. Limitation of Liability

To the fullest extent permitted by law, hcapay.co.uk, its owners, operators, affiliates, and content providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising from or related to:

hcapay.co.uk does not guarantee the legality, safety, fairness, or suitability of any casino operator. Users access third-party gambling sites at their own risk.

8. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of England and Wales, United Kingdom. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales. You agree to submit to the personal jurisdiction of such courts.

9. Changes to Terms

hcapay.co.uk reserves the right to modify these Terms of Service at any time without prior notice. Your continued use of the Site following any changes constitutes your acceptance of the new Terms. We recommend that you review these Terms periodically to stay informed of any updates.

10. Contact

If you have questions, concerns, or complaints regarding these Terms of Service or our Site, please contact us at:

Email: legal@hcapay.co.uk

We will make reasonable efforts to respond to your inquiry within 14 business days.