Terms and Conditions

Welcome to TwinSpires.com

Please read the following terms and conditions carefully.

This agreement describes the terms and conditions applicable to the use of the website and account wagering services provided by TwinSpires.com. By using our website and wagering system you accept all of the terms and conditions contained herein, including those terms and conditions referenced by hyperlinks herein. The use of this website is subject to all applicable State and Federal regulations. If you do not agree with these terms and conditions or the Privacy Policy and legal notices, do not use this website or our wagering platform.

ACCOUNT INITIATION REQUIREMENTS

To establish and/or maintain a wagering account, applicant must:

  • Have read and agreed to abide by all of the terms and conditions set forth by TwinSpires.com.

  • Provide the following personal information: full legal name, phone number, email address, residential address, mailing address (if different), social security number, and/or any other information that may be required.

  • Allow TwinSpires.com to use third party services to authenticate your account information. All information used to authenticate your account is subject to confidentiality.

  • Allow TwinSpires.com to open an advance deposit wagering (ADW) account in your name and to manage funds on your behalf.

  • Be at least eighteen (18) years of age (except Washington state residents must be at least 21 years of age) and a resident of a jurisdiction where the TwinSpires wagering system is legal.

  • Notify TwinSpires.com immediately about any change of address.

  • Refrain from wagering if you relocate to any state or country that does not allow pari-mutuel wagering.

  • Agree to pay all charges posted to your TwinSpires account.

  • Acknowledge that TwinSpires.com reserves the right to report unusual or suspicious activity to the proper authorities and retain any proceeds resulting from theft or fraudulent activity to pay for damages and losses resulting therefrom.

  • Agree to membership in and abide by the rules of Churchill Downs Incorporated’s player rewards program, TSC Elite. A full description of the program can be found at www.tscelite.com.

Only one account per verified person will be allowed. TwinSpires.com reserves the right to reject any application for an account for any reason it deems necessary. TwinSpires.com also reserves the right to close an account for any reason it deems necessary. Except in the case of theft or fraudulent activity, upon closing an account, all funds will be returned to the account holder via check mailed to the registered account address within five (5) business days.

If an account is inactive for a period of twelve (12) months or more, TwinSpires.com may charge a monthly account maintenance fee of $5.00 or five percent (5%) of the account balance, whichever is greater. If the balance in an inactive account is $5.00 or less, the remaining balance will be assessed and the charge will not exceed the available balance in your account.

Upon completing your registration, you will be opted-in to receive email communication from TwinSpires and its Affiliates. Our email policy is published as part of our Privacy Policy.

ACCOUNT PROCEDURES:

WAGERING, DEPOSITS, WITHDRAWALS

WAGERING

Go to www.twinspires.com and sign in using your unique username and password. TwinSpires Players may also use the following phone number to place wagers, check on account status or access player services, 1-877-SPIRES-1 (1-877-774-7371) at any time between 9:00am to 12:00am Eastern Time.

TwinSpires.com employs strict privacy and protection methods in order to ensure the highest level of wagering security and integrity. TwinSpires accounts may only be accessed by the registered account holder using their unique, valid login information.

The maximum wagering amount allowed is $2,500 (US) per transaction.  The wagering amounts are also dependent on the host racetrack and TwinSpires.com rules. All wagers are commingled with wagering pools at the host racetrack and will be subject to host racetrack restrictions. In the case of multiple wagers such as a daily double or an exacta box, the base wager is multiplied by the number of combinations to determine the amount of the total wager. Wagers will only be accepted that do not exceed the current balance of players' respective wagering account. All approved wagers will be withdrawn from the account holder's wagering account prior to submission of the wager. Winning wagers will be credited to the account holder's TwinSpires account promptly following the posting of official results by the respective host racetrack.

TwinSpires.com reserves the right to refuse any wagering transaction for any reason. Any and all wagers placed from non-wagering jurisdictions will not be accepted.

Under certain circumstances TwinSpires.com may operate separate wagering pools from the host racetrack. Separate pools will be subject to rules and regulations of the Oregon Racing Commission.

If for some reason we are unable to commingle your wager with the host racetrack wagering pool, your wager will be refunded to your account.

Requested wagers that are unsuccessful, ineffective or non-permissible for any reason (including any and all track errors, tote malfunction, communications failures, etc.) will be canceled and the full wagered amount will be refunded to your account.

Phone Wagering: Phone wagering is available with a live operator or by touchtone or voice recognition (IVR). Dial the toll free number 1-877-SPIRES-1 (1-877-774-7371) between 9:00am to 12:00am Eastern. Select Option #1 to wager with a live operator or Option #2 for automated wagering through the IVR over the telephone. Please note that you will need to have your account number and 4 digit pin available for wagering over the phone and for further questions, please refer to the Wagering with IVR FAQ page. To place a wager with a live operator, please refer to the Wagering with a Live Teller FAQ page.

WAGER CANCELLATION TERMS & CONDITIONS

Unless prohibited by the racetrack or by a state jurisdictional authority, TwinSpires account holders may (within a set of pre-defined limits) request to cancel any “Open” or “Accepted” wagers which have been previously submitted.

To cancel a wager:

  • Click the Cancellation icon (“X”) associated with the wager on the Recall Today’s Bets screen.

  • Click “Yes” to confirm your cancellation request.

Use of the TwinSpires Wager Cancellation feature is subject to the following terms and conditions:

  • TwinSpires account holders may request to cancel up to a maximum of ninety (90) wagers per week. In addition, a maximum wager amount of $750 ($3,000 for VIP accounts) is permitted for wager cancellations.

  • TwinSpires may refuse to accept a wager cancellation request for any reason.

  • TwinSpires may refuse to permit wager cancellations from any account holder for any reason.

  • TwinSpires does not guarantee the cancellation of a wager or the availability of the wager cancellation feature.

  • Betting pools that have already been closed will NOT be eligible for wager cancellation.

CONDITIONAL WAGERING TERMS & CONDITIONS

To place conditional wagers, please read and agree to the following terms and conditions:

CONDITIONAL WAGERING SERVICE

The TwinSpires Conditional Wagering Service allows a player to: (1) Set the minimum odds/probable payoff criteria that must be satisfied (at the scheduled timeframe) before the wager is sent to tote for processing; and (2) Schedule the timing (relative to minutes-to-post) of when the odds/probable payoff criteria should be evaluated. If the minimum odds/probable payoff criteria (as defined by the player) are satisfied at the scheduled timeframe, the bet is sent to tote for processing. Otherwise, the conditional wager 'fails' and no bet is placed. Conditional wagers are currently available for Win, Daily Double, Exacta, and Quinella wagers. Conditional 'Win' wagers are restricted to bets involving a single betting interest. Conditional 'Exacta', 'Quinella', or 'Daily Double' wagers are restricted to a single ('straight') combination consisting of exactly two betting interests. Account balances are not debited until the conditional wager has been successfully accepted by tote. In the event your account balance does not have the funds needed when being processed by tote, the wager will 'fail'. Tote will reject the wager because of insufficient funds.

If your account balance does not have sufficient funds to satisfy multiple conditional wagers made on the same race with the same scheduled timeframe (relative to minutes-to-post), the wagers will be processed in the order that (i) the condition is satisfied and (ii) the wagers were created. Conditional wagers which have not yet been sent to tote for processing ('Open' conditional wagers) may optionally be cancelled by the user. To cancel an 'Open' conditional wager, mark the cancel checkbox on the Recall Today's Bets screen and click the 'Cancel selected conditional bets' button. If the cancellation is successful, a confirmation message will be displayed and the status will change from 'Open' to 'Cancelled'.

LIMITATION OF LIABILITY

The TwinSpires Conditional Wagering Service is provided on an 'AS IS' and 'AS AVAILABLE' basis. TwinSpires does not warrant that the service will be uninterrupted or error-free. Conditional wagers are dependent upon the receipt of accurate and timely tote information (odds, probable payoffs, minutes-to-post, etc.) from third party tote providers. TwinSpires does not guarantee the accuracy of the tote information. If the tote information used for processing conditional wagers is subsequently deemed to be inaccurate, in no way shall TwinSpires be liable for damages whether direct, indirect, incidental, exemplary, punitive, special or consequential, including, but not limited to loss of revenue, anticipated profits or other economic loss, whether foreseeable or not, in connection with or arising out of the availability, existence, furnishing, or functioning of any conditional wagering services (including, but not limited to, any conditional wagers that were sent or not sent, to tote for processing).

Conditional wagers accepted by tote may not ultimately satisfy the minimum odds/minimum probable payoff since final odds and payoff information cannot be determined until all wagers have been placed into the pari-mutuel pool.

Conditional wagers may not always be successfully sent to tote for processing. For a variety of reasons, your conditional wager may take longer to execute (or may have less available time to execute) than what is normally expected. TwinSpires provides the service on a commercially reasonable basis and does not guarantee that your conditional wager will always be able to be executed.

In the event of a temporary tote outage or some other technical or mechanical issue affecting the processing of conditional wagers, the odds or probable payoffs may not be able to be evaluated at the designated time. In this event, the conditional wager may be evaluated when updated tote information is available, or may be evaluated with the most recent odds/probable payoff information available, or may not be processed at all.

NOTICE OF APPLICABLE LAW

TwinSpires is a licensed account wagering service provider in the state of Oregon. As such, the laws of the state of Oregon will govern these disclaimers, terms, and conditions, without giving effect to any principles of conflicts of laws. TwinSpires reserves the right to make changes to the service and these disclaimers, terms and conditions at any time, in TwinSpires’ sole discretion, which changes shall become effective immediately upon posting on the web site. If you do not accept these terms and conditions or any changes to these terms and conditions for conditional wagers then do not use the conditional wagering service.

Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions may not apply to you. Regardless, in no event shall TwinSpires' total liability to you for all damages, losses and causes of action whether in contract, tort (including its own negligence) or under any other legal theory (including strict liability) exceed the amount paid by you, if any, for accessing the service.

DEPOSITS

Deposits can be made online, by phone, mail, or in person using multiple deposit methods as listed on our Deposits page. Details on limits and fees can be found on our FAQ Page.

  • All deposits will be posted to your ADW wagering account as soon as they become available in accordance with our terms and conditions.

  • Any ACH based funding transaction may release funds for wagering; however, you will not have those funds available for withdrawal until TwinSpires.com has received notice that the funds have cleared the banking process.

  • In the event of any dishonored financial instrument or transaction, TwinSpires may charge a $25.00 service fee and start collection procedures including, but not limited to, employing collection agencies and credit reporting agencies in an effort to collect any fees, charges or expenses incurred due to dishonored financial instruments from the responsible account holder. In the event a customer claims fraud and files a police report in conjunction with a dishonored financial transaction, TwinSpires may provide wagering account records to the investigating police department to aid in the investigation.

  • TwinSpires.com players may check account balances by logging onto www.twinspires.com or by calling our Player Services center at 1-877-SPIRES-1 (1-877-774-7371) at any time between 9:00am to 12:00am Eastern Time.

  • TwinSpires.com player account balances accrue no interest.

  • TwinSpires.com reserves the right to amend this policy or enforce additional deposit rules and regulations at any time and at its sole discretion

WITHDRAWALS

Withdrawal requests can be made online, by phone, or in person. The availability of funds is subject to funds available in the player's ADW wagering account less any pending deposits. Details on locations and hours of operation can be found on our FAQ Page.

  • Withdrawal requests can only be made by the account holder and upon verification of the account holder’s identity. The account holder may be asked to answer certain questions in order to verify account holder’s identity.

  • Withdrawal requests are processed within five (5) business days after receipt of the withdrawal request.

  • Withdrawals may be requested at certain locations affiliated with TwinSpires.com. In-person withdrawal requests must be in writing with an authorized signature on an official twinspires.com deposit/withdrawal slip.

  • Withdrawals will be paid in cash upon verification of account holder's identity with 2 forms of identification including at least 1 valid government issued photo ID.

  • Cash withdrawals are limited based on facility requirements, but cannot exceed $10,000.

OTHER NOTICES OF INFORMATION

TAX REPORTING AND WITHHOLDING

In keeping with all Federal Tax Laws set forth by the Internal Revenue Service (IRS), any wager that results in winnings of $600.00 will be reported to the IRS, if the amount of winnings is at least 300 times the original amount wagered. Any wager resulting in winnings over $5,000.00, is subject to reporting and withholding if the amount of winnings is at least 300 times the original amount wagered. In each case, the original amount wagered shall include all wagers placed in a single pari-mutuel pool and represented on a single electronic record, which shall be aggregated and treated as a single wager for purposes of determining the amount of the wager. When required, TwinSpires.com will report and withhold winnings. A Form W2-G will be sent to the account holder summarizing such activity.

LIABILITY LIMIT

Except where provided otherwise by the Oregon Racing Commission, in no event will TwinSpires.com, Churchill Downs Incorporated, or our suppliers be liable for lost profits or any special, incidental, exemplary, punitive, or consequential damages arising out of or in connection with our services (however arising, including negligence). Without limiting the foregoing, in no event shall our liability to you and any third parties in any circumstance exceed the amount of the wager you placed, and our liability shall be limited to the fullest extent allowable by applicable law or statute.

GOVERNING LAW

These Terms and Conditions and all transactions conducted with TwinSpires.com are governed by the laws of the State of Oregon. By using our website and wagering system you consent to the application of Oregon law governing account wagering. Any disputes or claims alleging non-payment will be resolved according to the rules issued by the Oregon Racing Commission.

DISPUTE RESOLUTION BY BINDING ARBITRATION

PLEASE READ THIS "DISPUTE RESOLUTION BY BINDING ARBITRATION" PROVISION CAREFULLY, BECAUSE IT REQUIRES YOU TO ARBITRATE DISPUTES WITH TWINSPIRES.COM AND IT LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF.

THIS PROVISION PRECLUDES YOU FROM BRINGING ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION AGAINST TWINSPIRES.COM, CHURCHILL DOWNS INCORPORATED, OR ITS OR THEIR SUBSIDIARIES OR AFFILIATES. IT ALSO PRECLUDES YOU FROM PARTICIPATING IN OR RECOVERING RELIEF UNDER ANY CURRENT OR FUTURE CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION AGAINST TWINSPIRES.COM OR CHURCHILL DOWNS INCORPORATED, OR ITS OR THEIR SUBSIDIARIES OR AFFILIATES, BY SOMEONE ELSE. IN ADDITION, ARBITRATION PRECLUDES YOU FROM SUING IN COURT OR FROM HAVING A JURY TRIAL.

BY USING THIS WEBSITE, YOU AGREE TO ALL ARBITRATION PROVISIONS SET FORTH HEREIN. WHETHER TO AGREE TO ARBITRATION IS AN IMPORTANT DECISION. IT IS YOUR DECISION TO MAKE AND YOU SHOULD NOT RELY SOLELY ON THE INFORMATION PROVIDED IN THIS AGREEMENT, AS IT IS NOT INTENDED TO CONTAIN A COMPLETE EXPLANATION OF THE CONSEQUENCES OF ARBITRATION. YOU SHOULD TAKE REASONABLE STEPS TO CONDUCT FURTHER RESEARCH AND TO CONSULT WITH OTHERS REGARDING THE CONSEQUENCES OF YOUR DECISION.

Scope of Arbitration Provision. You and TwinSpires.com agree that any dispute, claim or controversy arising out of or relating to your access to or use of TwinSpires.com or to these Terms and Conditions (including without limitation any dispute concerning the breach, enforcement, construction, validity, interpretation, enforceability, or arbitrability of these Terms and Conditions) (a "Dispute"), shall be determined by arbitration.

Location of Arbitration and Applicable Rules. You and TwinSpires.com agree that such arbitration shall occur in Jefferson County, Kentucky. You may request to appear in such proceedings telephonically. You and TwinSpires.com agree that such arbitration shall be conducted by a single arbitrator in accordance with the rules of the Judicial Arbitration and Mediation Service ("JAMS"), as modified by these Terms and Conditions.

Authority of Arbitrator. With the exception of class procedures and remedies as discussed below under "Waiver of Class Relief," the arbitrator shall have the authority to grant any remedy that would otherwise be available in court. The arbitrator shall have the power to rule on any challenge to its own jurisdiction or to the validity or enforceability of any portion of the agreement to arbitrate.

Confidentiality. You and TwinSpires.com shall maintain the confidential nature of the arbitration proceedings and the arbitration award, including the arbitration hearing, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its enforcement, or unless otherwise required by law or judicial decision.

WAIVER OF CLASS RELIEF

WHETHER THE DISPUTE IS HEARD IN ARBITRATION OR IN COURT, YOU AGREE THAT YOU AND TWINSPIRES.COM WILL NOT COMMENCE AGAINST THE OTHER A CLASS ACTION, CLASS ARBITRATION OR OTHER REPRESENTATIVE ACTION OR PROCEEDING. YOU AND TWINSPIRES.COM ARE EACH WAIVING RESPECTIVE RIGHTS TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. you and twinspires.com agree to arbitrate solely on an individual basis, and that this agreement does not permit class arbitration or any claims brought as a plaintiff or class member in any class or representative arbitration proceeding. The arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. Notwithstanding the arbitrator’s power to rule on its own jurisdiction and the validity or enforceability of the agreement to arbitrate, the arbitrator has no power to rule on the validity or enforceability of the agreement to arbitrate solely on an individual basis.

If any portion of these sections entitled "Dispute Resolution by Binding Arbitration" and “Waiver of Class Relief” is determined by a court to be inapplicable or invalid, then the remainder shall still be given full force and effect.

STATUTE OF LIMITATIONS

You and TwinSpires.com agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of TwinSpires.com or to these Terms and Conditions or the Privacy Policy, must be filed within ONE (1) YEAR after such claim or cause of action arose, and is thereafter forever barred.

SEVERABILITY

If any part of these Terms and Conditions is determined by a court to be inapplicable or invalid, then the remainder shall still be given full force and effect.

PLAYER SERVICES, INFORMATION & HELP

Any questions or requests regarding player services, account settlements or issues, wagering disagreements, general information, etc. should be directed to TwinSpires Player Services at 1-877-SPIRES-1 (1-877-774-7371) at any time between 9:00am to 12:00am Eastern Time. Please note: all player services inquiries will be monitored and recorded for player protection. By virtue of opening an account, the individual is consenting to the recording and the use of an identity verification agency.

ACCOUNT SAFETY, SECURITY AND PLAYER RESPONSIBILITIES

Accounts are for the personal use of the account holder. The account holder is responsible for maintaining the secrecy of the account number and secure personal identification number. Except where TwinSpires' account wagering center or its employees or agents act without good faith or fail to exercise ordinary care, TwinSpires.com is not responsible for any loss arising from the use by any other person or persons of an account holder's account. The account holder must immediately notify TwinSpires of a breach of the account's security.

TwinSpires.com is proud to bring you the most advanced deposit wagering platform available. Our top priorities are player satisfaction, player success, and personal account safety. As a TwinSpires.com account holder, you can help minimize account problems or issues by:

  1. Always keeping your account number in a safe, reliable place that is easily accessible to only you;

  2. Memorizing your password and Personal Identification Number and keeping a back-up in a safe and secure place;

  3. NEVER leaving any computer logged on to your TwinSpires account for any reason (always sign out when leaving your computer unattended for any amount of time); and

  4. Contacting TwinSpires.com immediately with any security or personal account issues either by phone: 1-877-SPIRES-1(1-877-774-7371) at any time between 9:00am to 12:00am Eastern Time or by email at player.services@twinspires.com.

THEFT AND FRAUDULENT ACTIVITY

TwinSpires will report any activities that we reasonably believe constitute theft or fraud to the appropriate law enforcement authorities and may prosecute such activities to the fullest extent of the law. To the extent permitted by law, TwinSpires may retain the proceeds resulting from such theft or fraudulent activity and, among other things, use those funds to pay for damages and losses resulting from such theft or fraudulent activity.

LINKING TO THIRD PARTY WEBSITES FROM TwinSpires

TwinSpires.com contains links to websites outside of the CDI family. Neither TwinSpires.com nor Churchill Downs Incorporated is responsible for outside (third party) sites' privacy and security measures, policies and guidelines. When clicking through to an outside (third party) site from www.twinspires.com, please be sure you understand each sites' own privacy and security guidelines.

USE OF EQUIBASE DATA AND PRODUCTS

The data used to create the Equibase Products and the TrackMaster® Products are proprietary to and are copyrighted by Equibase Company LLC and Axcis Information Network, Inc. respectively. Unauthorized copying of such data, including modifications thereof, or the creation of programs or products in which such data have been merged or included with other data programs or products, for distribution to third parties, whether gratuitously or for sale, is expressly forbidden. You may be held legally responsible for any proprietary or copyright infringement that is caused or encouraged by your failure to comply with these Terms and Conditions of Use.

You may NOT transfer the Equibase or TrackMaster® Products from one computer to another. You may not distribute copies of the Equibase or TrackMaster® Products to third parties. You may not create derivative works based upon the Equibase or TrackMaster® Products.

The Equibase and TrackMaster® Products are for your use only and may not be transferred to anyone else. In no event, may you transfer, assign, rent, lease, sell, or otherwise dispose of the Equibase or TrackMaster® Products on a permanent or temporary basis except as expressly provided for herein.

If you breach any of these Terms and Conditions of Use, Equibase and/or TwinSpires, in addition to pursuing any other legal remedies available to them, may immediately terminate your right to access the Equibase and TrackMaster® Products.

Your purchase of the Equibase and TrackMaster® Products indicates your acceptance of these Terms and Conditions of Use.

USE OF GREYNET/OTB AND TRACKDATA SYSTEMS

The data used to create the GreyNet/OTB System and other TrackData Systems products are proprietary to and are copyrighted by TrackData Systems Corporation. Unauthorized copying of such data, including modifications thereof, or the creation of programs or products in which such data have been merged or included with other data programs or products, for distribution to third parties, whether gratuitously or for sale, is expressly forbidden. You may be held legally responsible for any proprietary or copyright infringement that is caused or encouraged by your failure to comply with these Terms and Conditions of Use.

You may NOT transfer the GreyNet/OTB System or other TrackData Systems products from one computer to another. You may not distribute copies of the GreyNet/OTB System or other TrackData Systems products to third parties. You may not create derivative works based upon the GreyNet/OTB System or other TrackData Systems products.

The GreyNet/OTB System or other TrackData Systems products are for your use only and may not be transferred to anyone else. In no event, may you transfer, assign, rent, lease, sell, or otherwise dispose of the GreyNet/OTB System or other TrackData Systems products on a permanent or temporary basis except as expressly provided for herein.

If you breach any of these Terms and Conditions of Use, TrackData Systems Corporation and/or TwinSpires, in addition to pursuing any other legal remedies available to them, may immediately terminate your right to access the GreyNet/OTB System or other TrackData Systems products.

Your purchase of the GreyNet/OTB System or other TrackData Systems products indicates your acceptance of these Terms and Conditions of Use.

LIVE VIDEO & RACE REPLAYS

Using the latest in streaming video technology, TwinSpires.com offers live video streaming and race replays to follow your favorite tracks online. With FREE Windows Media Player, you can view all of TwinSpires.com live racetrack video feeds. Handicap the races, check live odds, place your bets, and watch the action unfold right on your computer screen.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless TwinSpires, its parent and affiliates, its suppliers and contractors, and each of their respective officers, directors, employees and agents, from and against all claims, losses, damages, liabilities and costs (including but not limited to attorneys' fees and court costs), arising from or relating to your breach of these Terms and Conditions. This indemnification shall survive the termination of your TwinSpires account.

WAGER RESPONSIBLY

Be Smart - Bet Smart - Wager Responsibly

For many people, betting on the horses is exciting and entertaining. They make thoughtful decisions about spending time and money.

Here are some tips to follow in order to wager responsibly:

  • Balance playing the horses with other leisure activities

  • Play the horses for entertainment, not as a way to make money.

  • Do not "chase" losses. Accept them as the cost of entertainment.

  • Use extra income to wager, not money needed for everyday expenses.

  • Set a time limit.

Responsible wagering is what most people practice on a daily basis. For some, however, wagering or gambling becomes a serious problem that they are unable to control. This can lead to a state of compulsive or pathological gambling. Pathological gamblers cannot resist the temptation to gamble; they cannot stop regardless of their jobs, families or anything else.

How can you tell if you or someone you know has a gambling problem?

  1. Have you often gambled longer than you had planned?

  2. Have you often gambled until your last dollar was gone?

  3. Have thoughts of gambling caused you to lose sleep?

  4. Have you used your income or savings to gamble while letting bills go unpaid?

  5. Have you made repeated, unsuccessful attempts to stop gambling?

  6. Have you broken the law or considered breaking the law to finance your gambling?

  7. Have you borrowed money to finance your gambling?

  8. Have you felt depresses or suicidal because of your gambling losses?

  9. Have you been remorseful after gambling?

  10. Have you gambled to get money to meet your financial obligations?

If you or someone you know answered yes to any of these questions and needs help for a gambling problem, call today.

1 -800-GAMBLER (1-800-426-2537)

Help is available 24 hours a day....every day

www.gamblersanonymous.org

LEGAL NOTICES

This website provides the terms and conditions (“Term and Conditions”) of this website and all applicable laws. By accessing and browsing the website, you accept, without limitation or qualification, these Terms and Conditions and acknowledge that any other agreements between you and TwinSpires.com regarding the subject matter hereof are superseded and of no force or effect.

Use of documents from this website is for informational and non-commercial or personal use only and may not be copied or posted on any network computer or broadcast in any media, and modifications of any documents may not be made. Use for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. No logo, graphic, sound, or image from the TwinSpires website may be copied or retransmitted unless expressly permitted by TwinSpires.com.

Images of people or places displayed on the TwinSpires.com website, or in related materials such as advertising or other printed materials, are either property of, or used with permission by TwinSpires.com. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by these terms, specific permission is provided elsewhere on the website, or specific permission is granted by TwinSpires.com. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

TwinSpires.com makes no representations about the completeness, accuracy, timeliness, continuity, appropriateness, and suitability for any purpose, of any information contained in the documents and related graphics published on this website. All such documents and related graphics are provided "as is" without warranty of any kind. In no event shall TwinSpires.com be liable for any special, incidental, punitive, indirect, consequential damages, or any damages whatsoever resulting from the use, or loss of use, of the service, the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service, unauthorized access to or alteration of your transmissions or data, statements or conduct of any third party on this service, or profits, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use of the TwinSpires website, provision of or failure to provide services, or information available from this website.

The documents published on this website may include inaccuracies or typographical errors, and may be provided by third parties. While the information contained herein is believed to be accurate, TwinSpires.com will not be responsible for any errors or omissions. TwinSpires.com makes no commitment to update any of the information contained on the TwinSpires.com website.

Data provided or compiled by Equibase Company LLC generally are accurate but occasionally errors and omissions occur as a result of incorrect data received from others, mistakes in processing, and other causes. Bloodstock Research Information Services Inc., BrisBET Inc., and Equibase Company LLC disclaim responsibility for the consequences, if any, of such errors, but would appreciate having any such errors called to their attention.

Any data, questions, comments, or suggestions for features or services you transmit or post may be used by TwinSpires.com, without any compensation to you, for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast, and product enhancement.

TwinSpires.com has published its privacy policies elsewhere on the TwinSpires website, which govern the handling of your personal information.

The TwinSpires.com website may provide links, which will let you leave the TwinSpires.com website. These linked sites are not under the control of TwinSpires.com and TwinSpires.com is not responsible for the contents of, or any changes or updates to such websites. TwinSpires.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement of such sites by TwinSpires.com.

TwinSpires.com shall not be liable to you for failure to provide services in the event any equipment, service or transmission cannot be provided by TwinSpires.com or its contractors, due to an act of God, fire, epidemic, casualty, act or decision of a governmental authority, injunction, technical difficulties, failure of communications or electrical or telephone transmission lines or facilities, or any similar or dissimilar cause beyond the control of TwinSpires.com, its contractors, representatives, or agents.

Should any of the provisions of this agreement be held by a court, or a tribunal of competent jurisdiction, to be unenforceable, such provisions shall be limited to the minimum extent necessary so that this agreement shall otherwise remain in full force and effect.

You agree not to reproduce, duplicate, copy, sell, resell, or exploit for any commercial purposes, any portion of the information contained herein. Data provided by third parties in conjunction with the TwinSpires website may be subject to separate copyright restrictions, which also must be honored by you.

You agree to defend, indemnify, and hold harmless TwinSpires.com, its affiliates and assignees and their respective officers, directors, employees, and agents from and against any and all claims, actions, demands, damages, costs, liabilities, losses, and expenses (including reasonable attorney's fees) arising out of your use of the website.

As a condition of your use of the TwinSpires.com website, you warrant to TwinSpires.com that you will not use the TwinSpires.com website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the website in any manner, which could damage, disable, overburden, or impair the website, or interfere with any other party's use and enjoyment of the website. Any conduct that in TwinSpires' sole discretion restricts or limits any other user's use or enjoyment of the website will not be tolerated, and is sufficient cause for termination of service without notice. You may not obtain, or attempt to obtain, any materials or information through any means not intentionally made available or provided for through the TwinSpires website.

TwinSpires.com shall have the right, but not the obligation, to monitor the content, and your usage of the TwinSpires.com website, to determine the compliance with the terms of use and any other operating rules established to satisfy any law, regulation, or authorized government request.

We reserve the right to make changes to our website and these disclaimers, Terms and Conditions at any time, which changes shall become effective immediately upon posting on the website. Your continued use of the website following the posting of revised Terms and Conditions means that you accept and agree to the changes. You are expected to check this page each time you access this website so you are aware of any changes, as they are binding on you.


 

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