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Heather Tolmie

Gambling regulation and scams writer

Heather Tolmie

Heather Tolmie writes BonusOut's guides on gambling regulation and scams in Canada. She is from Guelph, Ontario. She started out in a municipal licensing office and later handled player complaints at an online gambling operator. One question kept coming up in those complaints: how does a player tell whether a site is registered where they live? Since 2023 she has written about who regulates online gambling in each province, what it means when a site is registered in Ontario and how to check a site against a regulator's list. She also checks the sections on regulation and player protection in BonusOut's reviews. Her guides give general information and are not legal advice.

Email
info@bonusout-ca.com
Topics
who regulates online gambling in each province · what “registered” means in Ontario · fake gambling websites and scams · self-exclusion and limits · gambling harm and where to get help

Lottery prize messages and recovery scams: is the win real?

A lottery scam in Canada asks you to pay before a prize arrives, and a recovery scam offers to get back what you lost. This guide sets out what the lottery corporations and the CAFC say, province by province, and where to report a message.

How much gambling is too much? Canada's Lower-Risk Gambling Guidelines

How much gambling is too much? Canada's lower-risk gambling guidelines answer with three limits that work only together. This guide gives the exact wording, the 1% limit in dollars, where the numbers come from, who the limits may not suit and where to get help.

Online gambling harm in Ontario: what the data shows

Searching for gambling addiction statistics Canada-wide turns up four sources that measure different things. This guide sets Ontario's ICES studies, Statistics Canada's 2018 survey and a 2024 CCSA panel side by side, with their methods and limits.

Online gambling in Alberta since July 13, 2026: what changed

Alberta opened a regulated online gambling market on July 13, 2026. This guide explains what AGLC and the Alberta iGaming Corporation do, how to check whether a site is registered, what the age and dispute rules say, and where to get help.

Deposits, withdrawals and identity checks: what the rules require

Interac casino withdrawal time depends on the site’s checks before the transfer, not on the transfer. This guide sets out what Ontario’s and Alberta’s standards and the federal identity rules require for deposits, withdrawals and ID checks, and where those rules stop.

Online casino deposit limit in Ontario: can you raise it right away?

Can you raise a deposit limit at an online casino in Ontario right away? Not on a regulated site. This guide explains the 24-hour cooling-off period in Ontario and Alberta, the three limit periods, where a limit applies and what the regulator leaves to the site.

Legal gambling age in Canada: 18 or 19, province by province

Is the legal gambling age in Canada 18 or 19? It depends on the province and, in Ontario, on the product. This guide gives the age for each province and territory with the source checked and the date of the check, and shows where no source could be found.

Using a site not regulated in your province: what it means for your money

What changes when the site you use is not regulated in your province? This guide uses the words of the AGCO, iGaming Ontario and other regulators to set out what regulated sites must do, what unregulated sites need not do, what the Criminal Code says and where to get help.

A gambling site has not paid your withdrawal: what you can do

A gambling site that has not paid a withdrawal leaves a few options, and they depend on the province. This guide sets out what to do first, which checks are normal, what the AGCO, iGaming Ontario and AGLC can and cannot do, and when to turn to your bank or the Canadian Anti-Fraud Centre.

BetGuard Ontario: how self-exclusion works and what it does not cover

BetGuard Ontario is the province's centralized self-exclusion program, run by iGaming Ontario since May 14, 2026. This guide explains who can register, how registration works, how long it lasts, what happens when the term ends and where BetGuard does not apply.

How to check whether a gambling site is registered in Ontario

Ontario’s regulated igaming market has one official directory, published by iGaming Ontario. This guide shows how to check if an online casino is registered in Ontario, how to read the directory and what to do when a site is not listed.

Are gambling winnings taxable in Canada?

Are gambling winnings taxable in Canada? For most people, no. This guide covers what the CRA says about lottery winnings, when gambling counts as a business, losses, interest and wins in the United States, and where the rule stops.