Casinos Not on BetStop: How Australian Regulators Police Compliance in 2026

BetStop launched on 21 August 2023 as Australia's national self-exclusion register, run by the Australian Communications and Media Authority. Any licensed operator must check it before letting a customer open an account or place a bet. The register covers every Australian-licensed wagering provider. Offshore casinos sit outside that perimeter by design.

That last sentence is the whole story in miniature. A casino "not on BetStop" is not a casino that ignores the register through cleverness. It is a casino that never had a legal obligation to query it in the first place, because it holds a licence from Curaçao, Anjouan, Kahnawake or similar rather than from an Australian state authority. The distinction matters for how complaints get handled.

What follows is a regulator-focused breakdown. Which bodies actually monitor compliance, what happens when a player complains, where the enforcement teeth sit, and how the offshore segment behaves when nobody with statutory power is watching. Numbers are drawn from ACMA publications, state regulator statements and published licence conditions. Where a figure is an estimate, the calculation is shown.

How Australian Regulators Monitor BetStop Compliance

The Australian Communications and Media Authority administers BetStop under the Interactive Gambling Act 2001. Registration is free, takes about five minutes, and a self-exclusion lasts a minimum of three months, extendable to life. Once registered, a person cannot open a new wagering account with any licensed provider for the duration.

Compliance monitoring runs on three rails. First, automated checks: licensed operators must verify every new account against the register before activation, and re-verify existing customers. Second, periodic audits: ACMA requests evidence of verification logs from licensees. Third, complaints: a player who receives marketing material despite being registered triggers an investigation.

Penalties are not symbolic. Breaching interactive gambling rules carries civil penalties, and ACMA has issued infringement notices and commenced Federal Court proceedings against operators in the wagering sector since the register went live. The regulator publishes enforcement outcomes, which gives the market a visible compliance signal.

What exactly does ACMA check during a BetStop audit?

ACMA examines account-opening logs, the timestamp of each register query, and whether a match was correctly actioned. It also reviews marketing suppression lists, because a registered person must be removed from promotional databases. Operators that batch-verify weekly instead of at account creation have been pulled up on the gap between signup and check.

Which state regulators also enforce self-exclusion rules?

State and territory bodies run parallel regimes. Liquor & Gaming NSW, the Victorian Gambling and Casino Control Commission, Queensland's Office of Liquor and Gaming Regulation and their equivalents each license land-based and online wagering within their borders. They reference BetStop in licence conditions and can suspend or vary a licence independently of ACMA action.

How does the register handle a name or date-of-birth mismatch?

Matching relies on name, date of birth and either a mobile number or email. A mismatch creates a false negative, which is the register's known weak point. ACMA guidance tells operators to use all available identifiers, and a 2024 review flagged improved matching as a priority. Offshore sites never run the check at all.

RegulatorScopeBetStop roleTypical response time
ACMAFederal, all licensed interactive wageringAdministers register, audits licenseesComplaint triage in 5–10 business days
Liquor & Gaming NSWNSW licenseesLicence condition referencing register10–20 business days
VGCCCVictoriaLicence condition, enforcement notices10–15 business days
OLGR QueenslandQueenslandLicence condition15–25 business days

Why Offshore Casinos Sit Outside the BetStop Perimeter

An offshore casino holds no Australian licence, so the Interactive Gambling Act's register obligations do not attach to it. The IGA prohibits providing interactive gambling services to Australians, but enforcement against unlicensed operators is a blocking and payment-disruption exercise, not a licensing one. No register query is legally required of them.

Practical consequence: a person who self-excludes through BetStop can still open an account at an offshore brand using the same email. Nothing stops it. The register is a wall around the licensed market, not a wall around the internet. That is a design feature of the legislation, not a loophole someone forgot to close.

ACMA does act on the supply side. It maintains a list of blocked websites, requests ISP-level blocking, and works with payment providers. The register itself, though, is only binding on the domestic licence holders. Offshore compliance with self-exclusion is voluntary and varies wildly between brands.

Is using an offshore casino legal for an Australian player?

The IGA targets operators, not players. No Australian law makes it a criminal offence for an individual to gamble at an offshore site. The risk profile is different from a legal one: withdrawal disputes, no statutory complaint channel, and no BetStop protection. Legality and safety are separate questions here.

Do offshore casinos ever check BetStop voluntarily?

Some do, as a responsible-gambling gesture. It is rare and unenforceable. A voluntary check depends on the brand's own policy, and nothing compels it to honour a match. Treat any voluntary self-exclusion tool at an offshore site as a courtesy feature, not a right you can enforce.

Top Offshore Casinos and Their Compliance Posture

The brands below operate outside the Australian licensing perimeter. Each holds a foreign licence, typically Curaçao or Anjouan, and none is bound by BetStop. What differs is how each handles player complaints, KYC and self-exclusion requests. That variation is the useful part of this comparison.

Licensing detail matters more than marketing copy. A Curaçao licence means disputes go to the Curaçao Gaming Authority, not to an Australian ombudsman. An Anjouan licence routes complaints to a different authority with different response times. Knowing which regulator sits behind a brand tells you where a complaint actually lands.

Rocket Casino

Curaçao-licensed, launched 2022, with a library exceeding 3,000 titles from Pragmatic Play, NetEnt and Hacksaw Gaming. Complaint handling runs through live chat and email, with escalation to the Curaçao authority if internal resolution fails. No BetStop integration. Self-exclusion is account-level only and requires a support request.

National Casino

Curaçao-licensed, part of a multi-brand group. Supports PayID and crypto deposits, which speeds up cashouts but complicates dispute trails. KYC typically triggers above AUD 2,000 in cumulative withdrawals. Complaints go first to support, then to the licensing authority. No Australian statutory oversight applies.

RocketPlay Casino

Operates under a Curaçao licence with a focus on pokies and live dealer tables from Evolution and Pragmatic. Withdrawal limits sit around AUD 5,000 per week by default, negotiable for higher-tier accounts. Self-exclusion is available on request but is not connected to any national register.

WinSpirit Casino

Curaçao-licensed with a crypto-first payment stack. Complaint resolution depends heavily on chat transcripts, so keep records. The brand publishes responsible-gambling links but no binding self-exclusion mechanism tied to BetStop. Disputes escalate to the licensing jurisdiction, not to an Australian body.

Ignition Casino

Kahnawake-licensed, poker and casino combined, long-established in the AU market. Kahnawake has its own dispute process through the Kahnawake Gaming Commission. Withdrawal processing runs 1–3 business days for crypto. No BetStop check. Self-exclusion is account-level.

BitStarz Casino

Curaçao-licensed, one of the older crypto casinos, with 5,000+ games. Known for fast payouts, often under 10 minutes for crypto. Complaint escalation follows the Curaçao route. Responsible-gambling tools include deposit limits and cooling-off periods, set by the player, not enforced by a national register.

King Billy Casino

Curaçao-licensed, 2017 launch, strong pokies catalogue from Microgaming and Play'n GO. Withdrawal limits around AUD 4,000 weekly for standard tiers. Dispute resolution via support, then the licensing authority. No connection to BetStop or any Australian regulator.

Joe Fortune Casino

Curaçao-licensed, AU-focused, with PayID and Neosurf support. KYC thresholds and withdrawal caps vary by account tier. Complaints follow the internal-then-regulator path. Self-exclusion is a support-ticket request, not a register-linked block.

HellSpin Casino

Curaçao-licensed, launched 2021, with a large slots library and frequent reload offers. Withdrawal processing typically 1–5 business days. Complaint handling is chat-first. No BetStop integration and no Australian statutory complaint channel.

Wild Fortune Casino

Curaçao-licensed with a broad game portfolio and crypto support. Responsible-gambling tools are player-set. Disputes go to the licensing authority after internal escalation. Same structural position as the rest: outside the BetStop perimeter.

PlayAmo Casino

Curaçao-licensed, 2016 launch, 4,000+ titles from Pragmatic, NetEnt and Betsoft. Fast crypto withdrawals, usually within an hour. Complaint path runs through support then the Curaçao authority. No register check, no Australian oversight.

Bizzo Casino

Curaçao-licensed, part of a multi-brand group, with PayID and crypto options. Withdrawal limits and KYC thresholds are tier-based. Dispute resolution follows the standard offshore route. Self-exclusion is account-level only.

Ozwin Casino

Curaçao-licensed, pokies-heavy, AU-oriented. Complaint handling via chat and email, escalation to the licensing authority. No BetStop link. Responsible-gambling tools exist but are not enforced by any external register.

FairGo Casino

Curaçao-licensed, one of the longer-running AU-facing brands, with a slots and table game focus. Withdrawal processing 1–5 business days depending on method. Disputes escalate to the licensing jurisdiction. No statutory Australian complaint channel.

SkyCrown Casino

Curaçao-licensed with a modern interface and crypto support. Complaint resolution is chat-first, with escalation to the licensing authority. Self-exclusion is available on request, not register-linked. No BetStop integration.

Woo Casino

Curaçao-licensed, slots and live dealer focus. Withdrawal limits and KYC thresholds are account-dependent. Dispute path follows the offshore norm. Responsible-gambling tools are player-controlled.

King Johnnie Casino

Curaçao-licensed, high-profile AU-facing brand with a strong live dealer and pokies mix. Fast crypto payouts. Complaint handling via support, then the licensing authority. No BetStop check, no Australian statutory oversight.

Stake Casino

Curaçao-licensed, crypto-native, with a large sports and casino book. Withdrawal processing often under 10 minutes for crypto. Dispute resolution runs through support and the licensing authority. No register integration with BetStop.

Roo Casino

Curaçao-licensed, AU-oriented, with PayID and crypto support. Withdrawal limits are tier-based. Complaint handling is chat-first with escalation to the licensing authority. Self-exclusion is account-level only.

Wolf Winner Casino

Curaçao-licensed with a broad slots catalogue and crypto options. Withdrawal processing 1–3 business days. Disputes escalate to the licensing jurisdiction. No BetStop connection, no Australian complaint channel.

Casino Mate

Curaçao-licensed, part of a multi-brand group, with a large game library. Complaint handling via support, then the licensing authority. Responsible-gambling tools are player-set. No register integration.

VegasStars Casino

Curaçao-licensed, slots and live dealer focus, with crypto support. Withdrawal limits are account-dependent. Dispute path follows the offshore norm. Self-exclusion available on request, not register-linked.

Just Casino

Curaçao-licensed, modern interface, broad game library. Complaint resolution is chat-first with escalation to the licensing authority. No BetStop check. Responsible-gambling tools are player-controlled.

SkyCrown and LevelUp Casinos

Both Curaçao-licensed, both with crypto and PayID support. Withdrawal processing 1–5 business days depending on method. Complaint handling follows the standard offshore route. Neither integrates with BetStop, and neither is bound by Australian licence conditions.

Croco Casino

Curaçao-licensed, slots-heavy, AU-facing. Withdrawal limits tier-based. Disputes escalate to the licensing authority after internal resolution. Self-exclusion is account-level only. No statutory Australian oversight.

21Bit Casino

Curaçao-licensed, crypto-first, with a large slots and live dealer portfolio. Fast crypto payouts. Complaint handling via support, then the licensing authority. No BetStop integration.

Golden Crown Casino

Curaçao-licensed, broad game library, PayID and crypto support. Withdrawal limits and KYC thresholds vary by tier. Dispute path follows the offshore norm. Responsible-gambling tools are player-set.

Lucky Green Casino

Curaçao-licensed, slots and table games, with crypto support. Withdrawal processing 1–5 business days. Complaint handling is chat-first. No register integration with BetStop.

Ricky Casino

Curaçao-licensed, modern interface, broad game library. Complaint resolution via support, then the licensing authority. Self-exclusion available on request, not register-linked. No Australian statutory oversight.

Surge Casino

Curaçao-licensed, crypto and PayID support. Withdrawal limits tier-based. Dispute path follows the offshore norm. Responsible-gambling tools are player-controlled.

Stay Casino

Curaçao-licensed, slots and live dealer focus. Withdrawal processing 1–3 business days. Complaint handling via support, then the licensing authority. No BetStop check.

Zoome Casino

Curaçao-licensed, broad game library, crypto support. Withdrawal limits account-dependent. Dispute resolution chat-first. Self-exclusion is account-level only.

Mega Medusa Casino

Curaçao-licensed, slots-heavy, AU-facing. Withdrawal processing 1–5 business days. Complaint path follows the offshore norm. No register integration.

BSB007 Casino

Curaçao-licensed, sports and casino combined. Withdrawal limits tier-based. Dispute resolution via support, then the licensing authority. No BetStop check.

Rollxo Casino

Curaçao-licensed, modern interface, crypto support. Withdrawal processing 1–3 business days. Complaint handling chat-first. Self-exclusion available on request, not register-linked.

FastPay Casino

Curaçao-licensed, payout speed is the brand's pitch, with crypto withdrawals often under 15 minutes. Complaint handling via support, then the licensing authority. No BetStop integration, no Australian statutory oversight.

Pocket Pokies

Curaçao-licensed, pokies-focused, AU-oriented. Withdrawal limits tier-based. Dispute path follows the offshore norm. Responsible-gambling tools are player-set. No register integration.

NeoSpin Casino

Curaçao-licensed, crypto and PayID support, broad game library. Withdrawal processing 1–5 business days. Complaint handling via support, then the licensing authority. No BetStop check.

Intensity Casino

Curaçao-licensed, slots and live dealer focus. Withdrawal limits account-dependent. Dispute resolution chat-first. Self-exclusion is account-level only.

Clubhouse Casino

Curaçao-licensed, broad game library, crypto support. Withdrawal processing 1–3 business days. Complaint path follows the offshore norm. No register integration.

Leon Casino

Curaçao-licensed, sports and casino combined, with a large game library. Withdrawal limits tier-based. Dispute resolution via support, then the licensing authority. No BetStop check.

Wazamba Casino

Curaçao-licensed, modern interface, broad game library. Withdrawal processing 1–5 business days. Complaint handling chat-first. Self-exclusion available on request, not register-linked.

Nine Casino

Curaçao-licensed, crypto and PayID support. Withdrawal limits account-dependent. Dispute path follows the offshore norm. Responsible-gambling tools are player-set. No register integration.

AmunRa Casino

Curaçao-licensed, slots and live dealer focus. Withdrawal processing 1–3 business days. Complaint handling via support, then the licensing authority. No BetStop check.

Vegas Hero Casino

Curaçao-licensed, broad game library, crypto support. Withdrawal limits tier-based. Dispute resolution chat-first. Self-exclusion is account-level only.

Spin Samurai Casino

Curaçao-licensed, slots-heavy, AU-facing. Withdrawal processing 1–5 business days. Complaint path follows the offshore norm. No register integration.

Casino4U

Curaçao-licensed, modern interface, crypto support. Withdrawal limits account-dependent. Dispute resolution via support, then the licensing authority. No BetStop check.

Wild Tornado Casino

Curaçao-licensed, broad game library. Withdrawal processing 1–3 business days. Complaint handling chat-first. Self-exclusion available on request, not register-linked.

Buran Casino

Curaçao-licensed, slots and table games. Withdrawal limits tier-based. Dispute path follows the offshore norm. Responsible-gambling tools are player-set. No register integration.

GoldWin Casino

Curaçao-licensed, crypto and PayID support. Withdrawal processing 1–5 business days. Complaint handling via support, then the licensing authority. No BetStop check.

Velvet Spins Casino

Curaçao-licensed, slots-focused, AU-facing. Withdrawal limits account-dependent. Dispute resolution chat-first. Self-exclusion is account-level only.

HeapsOWins Casino

Curaçao-licensed, broad game library, crypto support. Withdrawal processing 1–3 business days. Complaint path follows the offshore norm. No register integration.

GoldBet Casino

Curaçao-licensed, sports and casino combined. Withdrawal limits tier-based. Dispute resolution via support, then the licensing authority. No BetStop check.

BitKingz Casino

Curaçao-licensed, crypto-first, with a large slots portfolio. Fast crypto payouts. Complaint handling chat-first. Self-exclusion available on request, not register-linked.

iPay9 Casino

Curaçao-licensed, PayID and crypto support, AU-oriented. Withdrawal limits account-dependent. Dispute path follows the offshore norm. Responsible-gambling tools are player-set.

Space9 Casino

Curaçao-licensed, modern interface, broad game library. Withdrawal processing 1–5 business days. Complaint handling via support, then the licensing authority. No BetStop check.

UnitedAU Casino

Curaçao-licensed, AU-facing, with crypto and PayID support. Withdrawal limits tier-based. Dispute resolution chat-first. Self-exclusion is account-level only.

West28 Casino

Curaçao-licensed, slots and live dealer focus. Withdrawal processing 1–3 business days. Complaint path follows the offshore norm. No register integration.

BetOnRed Casino

Curaçao-licensed, broad game library, crypto support. Withdrawal limits account-dependent. Dispute resolution via support, then the licensing authority. No BetStop check.

Other Notable Brands

Spirit Casino, Casino World, Lukki, Kingmaker, Lucky Dreams, Pokiesurf, House of Pokies, Spinsy, Deespin, and Methmeth all operate under Curaçao or Anjouan licences. Each follows the same structural position: no BetStop obligation, no Australian statutory complaint channel, self-exclusion by request only.

Methspin, SpeedAU, Axe, Avantgarde, Jackpot Jill, Rich, Playfina, Malina, Goospin, PlayCroco, Johnny Kash, CrownPlay, WD40, Lucky Ones, 28 Mars, Yabby, Gamdom, Jet4Bet, Mafia, Instant, True Fortune, Cocoa, Boomerang, Goldex, JokaRoom, Spinago, Cleobetra, Lucky Elf, Roospin, Rooli, Oshi, Waboom77, Casiny, Spinit, Fortunica, Boho, Rainbet, Lets Lucky, Pure, Wild Tokyo, House of Jack, M99, 9AU, Paradise 8, Moonwin, Limitless, Asino, N1Bet, Red Stag, Lucky Wins, VegasStars, Syndicate, TrueBlue, TCL99, Realz, Winmate88, Gday77, UFO9, RetroBet, AbigCandy, Lucky Hunter, Shazam, ReefSpins, Roobet, AmunRa, SpinFred, Aussie Play, Pistolo, SlotLounge, Reels Grande, Candyland, Fafabet9, Legit99, Wildcard City, CrownGold, Roby, United, FatBet, Voodoo, SpinsUp, This Is Vegas, Wanted Win, Victor96, Katsubet, and the rest of the long tail follow the same pattern.

Curaçao or Anjouan licences, no BetStop obligation, complaint routes that terminate at a foreign regulator.

How Player Complaints Actually Get Handled

A complaint against a licensed Australian operator has a clear ladder. Contact the operator first. If unresolved, escalate to the relevant state regulator or to ACMA depending on the issue. BetStop breaches go to ACMA. Licence condition breaches go to the state body. The ladder has statutory rungs and defined response windows.

A complaint against an offshore brand has a different shape. First rung: the operator's own support. Second rung: the licensing authority, which for Curaçao means the Curaçao Gaming Authority and for Anjouan means the Anjouan regulator. Response times are longer, evidence standards differ, and the authority has no power to compel an Australian-facing remedy.

Third rung, and this is where most offshore disputes actually end: nothing. The player has no statutory ombudsman, no enforceable deadline, and no register protection. That is the honest description of the offshore complaint path. It is not a scandal. It is the consequence of choosing a jurisdiction outside the domestic perimeter.

What evidence should a player keep for an offshore complaint?

Chat transcripts, deposit and withdrawal records, KYC submissions, and the operator's published terms at the time of the dispute. Screenshot the terms, because they change. A complaint to a foreign regulator without a documented trail is unlikely to progress beyond acknowledgement.

How long does a Curaçao complaint take?

The Curaçao Gaming Authority publishes no fixed statutory deadline for player disputes. Realistic timelines run from several weeks to several months, depending on evidence completeness. Compare that to an ACMA complaint, which is triaged within roughly 5–10 business days.

Can a player force an offshore casino to honour a self-exclusion?

No. Self-exclusion at an offshore brand is a contractual courtesy, not a statutory right. If the brand declines or ignores the request, there is no Australian enforcement mechanism. The practical answer is to close the account, remove payment methods, and use blocking software.

Regulator Response Patterns: Licensed vs Offshore

The contrast is sharpest in response time and remedy power. A licensed operator that fails a BetStop check faces civil penalties, infringement notices and possible Federal Court action. An offshore operator that ignores a self-exclusion request faces nothing from any Australian body, because no Australian body has jurisdiction over it.

ACMA's enforcement record since August 2023 shows a pattern: audits, warnings, then formal action. The regulator has used its website-blocking powers against unlicensed operators and its civil penalty powers against licensees. The two tracks run in parallel and target different populations.

FactorLicensed AU operatorOffshore casino
BetStop obligationMandatory, auditedNone
Complaint bodyState regulator or ACMAForeign licensing authority
Response window5–25 business daysWeeks to months, no fixed limit
Penalty exposureCivil penalties, licence actionNone from AU regulators
Self-exclusion enforceabilityStatutory via registerContractual only
Marketing suppressionRequired for registered personsNot required

One nuance worth flagging. A licensed operator that also runs an offshore-facing brand can end up with two complaint paths under one corporate roof. The domestic entity answers to ACMA. The offshore entity answers to Curaçao. Players sometimes confuse the two, which is exactly the confusion the licensing structure creates.

Does ACMA act on complaints about offshore casinos?

ACMA can investigate unlicensed operators under the IGA and request website blocking. It cannot order an offshore brand to pay a player or honour a self-exclusion. The regulator's tools are supply-side: blocking, payment disruption, and public warnings. Consumer redress is outside its remit for offshore entities.

What happens if a licensed operator ignores BetStop?

ACMA can issue an infringement notice, seek civil penalties through the Federal Court, or recommend licence action to the state regulator. The register's compliance regime has real teeth because the licence itself is the leverage. Remove the licence and the leverage disappears, which is the offshore situation.

Responsible Gambling and Self-Exclusion Options

For anyone in Australia, BetStop is the strongest tool available and it is free. Register at betstop.gov.au, verify your identity, and the exclusion applies across every licensed wagering provider for a minimum of three months. You can extend it to life. Marketing from licensed operators must stop.

Offshore brands sit outside that protection. If you use them, set deposit limits manually, use cooling-off periods, and remove stored payment methods when you want to stop. Blocking software such as Gamban or BetBlocker works at the device level and covers offshore sites that BetStop cannot reach.

Support services are free and confidential. Gambling Help Online runs 24/7 at gamblinghelponline.org.au. Lifeline is on 13 11 14. The national gambling helpline number in Australia is 1800 858 858. The legal gambling age across Australia is 18. Self-exclusion through BetStop is the national register; state-based exclusion schemes also exist for land-based venues.

Frequently Asked Questions

Are casinos not on BetStop legal in Australia?

Offshore casinos are not licensed in Australia, so they sit outside the BetStop regime. Australian law targets operators, not individual players, so using one is not a criminal offence for the player. The trade-off is no statutory complaint channel and no register protection.

Why can I still sign up to an offshore casino after self-excluding?

Because BetStop only binds Australian licensees. An offshore brand has no legal obligation to query the register, and most do not. The exclusion blocks the domestic market, not the internet. Device-level blocking software is the practical workaround.

Which regulator handles complaints about offshore casinos?

The licensing authority in the brand's jurisdiction, typically the Curaçao Gaming Authority or the Anjouan regulator. Response times are longer and remedies are limited. No Australian body can compel an offshore operator to act, which is why documented evidence matters.

Does BetStop cover sports betting as well as casinos?

Yes. BetStop covers all licensed interactive wagering, including sports betting and online racing. Any Australian-licensed provider must check the register before opening an account. Offshore sportsbooks and casinos fall outside the scheme entirely.

How long does a BetStop self-exclusion last?

The minimum is three months. You can choose a longer period at registration, and you can extend to life. The exclusion cannot be lifted early. Once active, licensed operators must block new accounts and suppress marketing for the duration.

What is the penalty for a licensed operator breaching BetStop?

ACMA can issue infringement notices, pursue civil penalties through the Federal Court, and recommend licence action to state regulators. The licence is the leverage. That is precisely why the regime works domestically and has no equivalent effect offshore.

Can I get my money back from an offshore casino?

Only through the operator's internal process or, failing that, the foreign licensing authority. There is no Australian statutory route. Keep chat transcripts, payment records and the terms in force at the time. Without documentation, a complaint rarely progresses beyond acknowledgement.

Do offshore casinos have to offer self-exclusion at all?

No law requires it. Many offer account-level tools as a courtesy. Some honour them, some do not. Treat any offshore self-exclusion as voluntary and unenforceable, and back it up with device-level blocking if stopping is the goal.

The register is a domestic wall with real enforcement behind it. Offshore brands live on the other side of that wall, and no amount of marketing copy changes the jurisdictional fact. If BetStop protection matters to you, the licensed market is where it exists. If you go offshore, go in knowing the complaint ladder ends at a foreign regulator with no power to make you whole, and set your own limits before you deposit a dollar.