Terms and Conditions – American Online Casinos

These terms and conditions govern your use of mobilepaycoin.com ("the site", "we", "us"). By accessing any page on this site, you agree to the terms set out below. If you do not agree, please do not use the site. We may update these terms from time to time; the date shown at the top of this page reflects when they were last reviewed.

What This Site Is and What It Is Not

American Online Casinos is an independent comparison and information website. We research, review and rank online casino products available to residents of the United States. We are not an online casino, a gambling operator or a financial services provider. We do not accept bets, hold player funds or issue licences of any kind.

The rankings, editorial ratings and write-ups on this site reflect the independent editorial judgment of our team, based on research and publicly available information. They are provided for informational purposes only and do not constitute advice to gamble, invest or take any financial action.

Commercial Relationships and Editorial Independence

Some of the casinos listed on this site pay us a referral commission when a reader clicks through and registers. This commercial arrangement helps fund the site and keeps it free to use. It does not determine how casinos are ranked or rated. Commission does not buy a higher position. Our methodology is applied consistently across every operator we review, and a casino's willingness to pay a referral fee has no bearing on whether it appears on this site or where it sits in our rankings.

For more on how we select and assess the casinos you see here, visit our best online casinos in the USA page, where our review criteria are explained in full.

Eligibility and User Responsibilities

This site is intended for adults only. Online gambling in the United States is subject to a complex web of state and federal laws. Before using any casino linked from this site, you are responsible for confirming that:

You are at least 21 years of age (the minimum age for most forms of legal online gambling in US states that permit it).
Online casino gambling is legally permitted in the state where you are physically located at the time of play — not merely where you reside.
You meet any additional eligibility requirements set by the individual operator, including identity verification and residency checks.

We make no representation that any casino listed here is legally available to you specifically. Laws differ by state, and they change. It is your responsibility to know and follow the law in your jurisdiction.

Accuracy of Information

We work to keep the information on this site accurate and up to date. However, casino offers, bonus terms, payment methods, licensing status and game selections change frequently. We cannot guarantee that every detail on every page reflects the current position at the casino in question.

Before claiming any bonus or depositing funds, always read the operator's own terms and conditions in full. Pay particular attention to:

Wagering requirements attached to welcome bonuses and free spins
Game contribution rates (not all games count equally toward clearing a bonus)
Maximum withdrawal limits on bonus winnings
Expiry dates on free spins and bonus funds
Minimum deposit thresholds required to trigger an offer

The editorial ratings shown alongside each casino represent our assessment at the time of review. They are not customer review scores and should not be read as guarantees of quality or outcome.

How Bonuses and Free Spins Work

Many of the casinos we feature offer welcome bonuses that include free spins no deposit deals or deposit-match promotions. These are marketing tools designed to encourage sign-ups and first deposits. They carry conditions that affect their real value — sometimes significantly.

A free spins no deposit offer, for example, may require a player to wager any winnings a set number of times before withdrawal is permitted. Winnings derived from free spins are rarely withdrawable at face value. Common conditions include:

Wagering requirements — typically expressed as a multiplier (e.g. 30x), meaning $100 in winnings must generate $3,000 in qualifying bets before cash-out
Game restrictions — bonus funds or free spin winnings may only be used on selected slots or titles
Maximum cashout caps — the amount you can withdraw from bonus winnings may be capped regardless of what you win
Time limits — bonuses and free spins typically expire within 7–30 days of being credited

We flag these conditions where they are supplied to us, but the operator's own terms are the authoritative source. Never assume a bonus is straightforwardly "free money."

Game Fairness and RTP

Reputable online casinos use certified random number generators (RNGs) to determine game outcomes. These are tested by independent third-party auditors to ensure they produce genuinely random results. A casino holding a valid licence from a recognised regulatory body will typically be required to use and maintain certified RNG technology.

Return to Player (RTP) percentages are published by game developers and represent the long-run average proportion of wagered money returned to players across many thousands of spins or hands. An RTP of 96% does not mean you will get back $96 for every $100 you spend in a session — individual results vary enormously. RTP is a statistical average, not a prediction or guarantee.

Games of chance have a built-in house edge. No strategy, system or bonus offer eliminates that edge or guarantees a profit.

Payment Methods, Withdrawals and KYC

The casinos listed on this site typically accept a range of US-friendly payment methods, which may include:

ACH bank transfer
Debit cards
Cryptocurrency (Bitcoin and others, where supported)
Online banking services
Digital wallets (where available)
PayPal (where the operator supports it)
Online cash transfer services
Cash at partner casino cages (where offered)

Processing times for withdrawals vary by method and operator. Cryptocurrency withdrawals are generally faster than bank transfers. Before any withdrawal is processed, most operators require identity verification — commonly referred to as Know Your Customer (KYC) checks. You may be asked to provide a government-issued photo ID, proof of address and, in some cases, proof of the payment method used. Completing verification before you try to withdraw is strongly advisable; failing to do so can delay payments significantly.

Fees, minimum withdrawal amounts and processing windows differ between operators. Check the cashier section of each casino before depositing.

Licensing and Legal Standing

Online casino gambling is legal in a small and growing number of US states. Each licensed state has its own regulatory body responsible for overseeing operators, enforcing player protections and handling complaints. A valid state licence means the operator has met minimum standards for fairness, security and financial integrity in that jurisdiction.

Some casinos accessible to US players hold licences from offshore regulators rather than US state authorities. The level of consumer protection these licences provide differs from state-regulated environments. We note licensing information where it is available and verified; we do not claim licensing status for any operator beyond what is publicly confirmed.

A casino's licence status can and does change. Always check the operator's website for its current regulatory standing before registering.

Security and Your Personal Data

This site uses HTTPS encryption to protect data exchanged between your browser and our servers. We do not collect payment details. Any personal information you share with us — for example, via our contact form — is used only to respond to your enquiry and is not sold to third parties.

When you register at a casino linked from this site, your personal and financial data is governed by that casino's own privacy policy and security standards. Reputable operators use SSL/TLS encryption for all transactions. We strongly recommend using a strong, unique password for any gambling account and enabling two-factor authentication wherever the operator makes it available.

Responsible Gambling

Gambling is entertainment. It carries financial risk, and for some people it can become harmful. We take this seriously, and we encourage every reader to approach gambling with clear limits in place before they start.

Practical steps we recommend:

Set a deposit limit and a session time limit before you play — most licensed casinos allow you to do this in your account settings.
Never gamble with borrowed money or money you need for essential expenses.
Treat losses as the cost of entertainment, not as funds to chase back.
Take regular breaks and do not gamble when you are stressed, tired or under the influence of alcohol.
If gambling stops being enjoyable or starts affecting your finances, relationships or wellbeing, stop and seek support.

US players can access free, confidential support through the National Problem Gambling Helpline at 1-800-522-4700, available 24 hours a day. The National Council on Problem Gambling (NCPG) at ncpgambling.org provides additional resources, including a live chat service and a directory of state-level support programmes.

Licensed casinos are required to offer self-exclusion programmes. If you need to stop gambling, contact the casino's support team to request a self-exclusion — this prevents you from accessing your account for a set period or indefinitely. Our responsible gambling page covers these tools in more detail.

Third-Party Links and Affiliate Relationships

This site contains links to third-party websites, including online casinos. We do not control those websites, and we are not responsible for their content, terms or practices. Clicking a link to a casino does not create any obligation on your part to register or deposit.

Where we receive a commission for referrals, this is disclosed clearly. Our about us page explains how the site is funded and how editorial decisions are made separately from commercial ones.

Limitation of Liability

The information on this site is provided "as is" without warranties of any kind. We do not guarantee the accuracy, completeness or timeliness of any content. We are not liable for any losses — financial or otherwise — arising from your use of this site or from decisions made based on its content, including decisions to register at or deposit funds with any casino featured here.

Nothing on this site constitutes legal, financial or gambling advice.

Changes to These Terms

We may revise these terms at any time. Changes take effect as soon as the updated terms are published on this page. Continued use of the site after an update constitutes acceptance of the revised terms. If you have questions about anything on this page, please use our contact page to get in touch.