Terms and Conditions
These terms and conditions govern your use of American Casino (2catsandchloe.com). By accessing or using this website, you confirm that you have read, understood and agree to be bound by the terms set out below. If you do not agree, please do not use this site.
Who We Are and What This Site Does
American Casino, operated at 2catsandchloe.com, is an independent comparison and review website covering online casinos available to residents of the United States. We research and present information about casino platforms, bonuses — including free spins offers — payment methods, game ranges and responsible gambling tools to help readers make informed decisions. We do not operate a casino, accept wagers or hold any gambling licence ourselves.
Editorial Independence and Commercial Relationships
Some of the casinos featured on this site have a commercial relationship with us. We may earn a commission if you follow a link from this site and go on to register or deposit at a listed casino. This revenue helps us keep the site free to use.
Commercial relationships do not determine how casinos are ranked, rated or reviewed. Our editorial assessments are based on independently verified factors including licensing, bonus terms, payment options, game availability and responsible gambling provision. A casino cannot pay for a higher position.
Where a headline offer is displayed — such as a free spins package or a deposit match — it is the advertised offer at the time of our review. Offers change frequently. Always confirm the current terms directly with the casino before registering.
Information Accuracy and Fact-Checking
We aim to keep all content accurate and up to date. Pages carry a review date so you can see when information was last verified. Despite our efforts, casino offers, terms, payment methods and availability can change at short notice. We accept no liability for decisions made based on information that has since changed.
- Bonus amounts, percentages and free spins counts are sourced from each casino's own published terms at the time of review.
- Editorial ratings reflect our assessment and are not customer review scores, star ratings assigned by a third party, or the result of a formal audit.
- Return to Player (RTP) figures are long-term statistical averages published by game developers. They do not predict what any individual player will win or lose in any session.
- We do not claim to have deposited, played, withdrawn or tested any casino service personally. Our work is research and review, not direct testing.
Who May Use This Site
This site is intended solely for adults who meet the legal gambling age in their state. In most US states that permit online gambling, the minimum age is 21, although some forms of gambling in some states permit participation from age 18. It is your responsibility to know the law that applies to you.
Online casino gambling is not legal in every US state. Even where a casino accepts registrations from US residents, you are responsible for confirming that online gambling is lawful in your specific state and that you are physically located within a jurisdiction that permits it at the time you play. Many regulated platforms use geolocation technology to verify this.
By using this site, you confirm that:
- You are at or above the minimum legal gambling age in your state.
- Online casino gambling is lawful where you are located.
- You are accessing this site for personal, non-commercial use.
- You are not using this site to research gambling on behalf of a minor.
How We Cover Bonuses — Including Free Spins
Free spins offers are the focus of much of our comparison work because they are one of the most common incentives offered to new players. However, a free spins deal is rarely straightforward. Every offer we feature carries conditions that affect its real value. When reviewing any bonus, including free spins, check the following before claiming:
- Wagering requirements: The number of times you must play through winnings before you can withdraw. A 30x requirement on $100 in free spin winnings means $3,000 in qualifying bets.
- Eligible games: Free spins are almost always restricted to specific slot titles. Winnings from those spins may not count toward wagering if played on other games.
- Expiry: Most bonuses expire within a set number of days. Free spins that go unused or wagering requirements not met by the deadline result in the bonus being forfeited.
- Maximum withdrawal: Many offers cap the amount you can withdraw from bonus winnings, regardless of how much you accumulate.
- Minimum deposit: Some free spins are only awarded after a qualifying deposit of a stated minimum amount.
Our reviews of individual casinos on the best online casinos for real money in the US page include detail on how each platform structures its bonus terms.
Licensing, Regulation and Game Fairness
The online casino landscape in the United States is regulated at state level, not federally. States including New Jersey, Pennsylvania, Michigan and Connecticut have established licensed online gambling markets. In other states, residents may access offshore or sweepstakes-model platforms that operate under different legal frameworks.
We only feature casinos that hold a recognised operating licence or that operate under a clearly stated legal model. A licence matters because it means the operator is subject to oversight, required to segregate player funds, obliged to offer responsible gambling tools, and accountable to a regulator if something goes wrong.
Reputable casinos use certified random number generators (RNGs) for slots and table games, independently audited by organisations such as eCOGRA, iTech Labs or GLI. Live dealer games use real cards, wheels and dealers streamed in real time, but still operate under house rules that produce a mathematical edge over time. RNG certification and house edge are separate things — a certified game is fair in the sense that outcomes are random, not in the sense that the player has an equal or better chance of winning.
Payment Methods and Verification
US-facing online casinos typically support a range of banking options. Availability varies by platform and by state. Commonly supported methods include:
| Method | Typical Use | Notes |
|---|---|---|
| ACH bank transfer | Deposits and withdrawals | Often the most reliable domestic option; processing can take 3–5 business days |
| Debit card (Visa/Mastercard) | Deposits | Widely accepted for deposits; withdrawal to card may not be available at all platforms |
| Cryptocurrency (Bitcoin, Ethereum, etc.) | Deposits and withdrawals | Faster processing; available at many offshore-licensed platforms |
| Digital wallets (e.g. PayPal, Skrill) | Deposits and withdrawals | Availability varies significantly; check before registering |
| Online cash transfer services | Deposits | Includes services like Zelle or MoneyGram where supported |
| Cash at partner casino cage | Deposits and withdrawals | Available at platforms linked to land-based properties |
Before any withdrawal is processed, casinos are required to verify your identity. This Know Your Customer (KYC) process typically requires a government-issued photo ID, proof of address and, in some cases, a copy of the payment method used. Providing accurate information during registration speeds this process considerably. We strongly advise against providing false details — doing so can result in account closure and forfeiture of funds.
Security and Your Account
This website uses HTTPS encryption. Any casino we feature should also use industry-standard SSL encryption to protect your personal and financial data in transit. You can confirm this by checking for a padlock icon in your browser's address bar when visiting a casino's site.
You are responsible for the security of your account credentials. We recommend:
- Using a strong, unique password that you do not reuse on other sites.
- Enabling two-factor authentication (2FA) wherever a casino offers it.
- Never sharing your login details with anyone.
- Contacting the casino's support team immediately if you suspect unauthorised access.
Responsible Gambling
Gambling should be a form of entertainment, not a way to generate income or recover financial losses. Games of chance carry a built-in house edge, and no strategy, system or bonus offer changes the mathematical reality that the house wins over the long run. Outcomes are never guaranteed.
If gambling stops being enjoyable, starts taking up more time or money than you planned, or begins affecting your finances, relationships or wellbeing, please seek support. The following tools and organisations are available in the US:
- National Problem Gambling Helpline: 1-800-522-4700 (call or text, 24/7)
- National Council on Problem Gambling (NCPG): ncpgambling.org
- Gamblers Anonymous: gamblersanonymous.org
- Self-exclusion programmes: Most regulated casinos and all state-licensed platforms offer voluntary self-exclusion. Once enrolled, you cannot access your account for the chosen period.
Regulated casinos are required to offer deposit limits, session time limits and cooling-off periods. Set these before you start playing, not after a session has gone badly. Our responsible gambling guidance covers these tools in more detail.
Never gamble with money you cannot afford to lose. Never use borrowed money, credit cards intended for other purposes, or funds earmarked for bills or essential expenses to fund gambling activity.
Third-Party Links
Links from this site lead to third-party casino platforms. Once you leave 2catsandchloe.com, you are subject to the terms, conditions and privacy policies of that third party. We are not responsible for the content, practices or availability of external sites, and a link from this site does not constitute an endorsement of everything on the destination platform.
Limitation of Liability
American Casino provides information for general guidance only. Nothing on this site constitutes legal, financial or gambling advice tailored to your personal circumstances. We accept no liability for losses — financial or otherwise — that arise from decisions made in reliance on content published here, including decisions about which casino to use, which bonus to claim or which payment method to select.
We make no warranties, express or implied, about the completeness, accuracy or fitness for purpose of content on this site. All information is provided as-is at the date shown on each page.
Intellectual Property
All original content on 2catsandchloe.com — including written copy, editorial ratings and page structure — is the property of American Casino. You may not reproduce, republish or redistribute it without our written permission. Casino logos, trademarks and brand names referenced on this site remain the property of their respective owners and are used for identification purposes only.
Privacy
This site collects limited data to operate and improve the service. We do not sell personal data to third parties. If you contact us via the address at our contact page, we will use your details only to respond to your enquiry. For full details of how data is collected and used, refer to our separate privacy policy.
Changes to These Terms
We may update these terms at any time. The date at the top of this page reflects when they were last reviewed. Continued use of the site after an update constitutes acceptance of the revised terms. If a change materially affects how we handle your data or your rights as a user, we will make reasonable efforts to highlight it.
Contact
If you have a question about these terms, or about anything you have read on this site, you can reach us through the contact page. We aim to respond to all enquiries within two business days. For questions about a specific casino's terms — including bonus conditions, account restrictions or withdrawal limits — you should contact that casino directly, as those matters fall outside our control.