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Luck might dictate who wins at online casinos, but you can control it to some extent if you pick the right sites for your play. We’re here to help with the ultimate guide to choosing casino websites that will provide you with a safe, outstanding experience.
To do that, we’ll give you all the tools you need to make the right selections, including telling you what characteristics the best online casinos have in common with each other. We’ll also give you our recommendations so that you can skip all the research if you choose.
We’ll explain the importance of sites that possess the following traits:
500%
up to $7,500
250%
up to $1,500
125%
up to $3,750
$20,000
welcome package with 400% match bonus
$125 FREE!
with $25 deposit
500%
up to to $7,500
300%
up to $3,000
$8,000
match + 100 Free Spins
300%
up to $6,000
100%
up to $2,000 + 20 Free Spins
200%
up to $7,777
By the time you’re finished reading, you should be confident that you’ll end up playing at the best online casinos that will take care of all the nuts and bolts. All you’ll have to worry about is trying to win big!
Our team has done extensive research into a large pool of top-rated real money online gambling sites to see which is worthy of top billing for various categories like VIP programs, sports gambling, new gaming, and best-overall. Whether you live in the United States, the United Kingdom, Canada, or anywhere else, we have the best casinos online and mobile gambling apps right that cover your region, currency, and native tongue.
Our team has done extensive research into a large pool of top-rated real money online gambling sites to see which is worthy of top billing for various categories like VIP programs, sports gambling, new gaming, and best-overall. Whether you live in the United States, the United Kingdom, Canada, or anywhere else, we have the best casinos online and mobile gambling apps right that cover your region, currency, and native tongue.
Top Real Money Casinos Online:
Check out a full breakdown below of each real money online casino and what they did to earn their title for each category!
This title is well-deserved! Las Atlantis has a larger-than-life feel with stunning images and a distinct motif. Another major factor in its favor is its competitive lineup of top-rated bonuses, game variety, and banking options.
The first impression we get of the site is a ubiquitous ocean theme, complete with treasure chests, mermaids, and, of course, the lost, underwater city of Atlantis. The theme is extremely memorable and the colorful graphics make the site appealing to visit.
Las Atlantis is also home to perhaps the greatest welcome bonus anywhere online (and in the all the seven seas)! Newcomers can grab a whopping 280% up to $14,000 over their first five deposits! And who doesn’t love a huge treasure trove of top-of-the-line gaming content like slots, blackjack, table games, and poker? Add in a large variety of banking methods for deposits and withdrawals, including credit cards and Bitcoin, and you can understand why Las Atlantis is considered the top real money casino app of 2023.
Las Atlantis Casino Details
| Criteria | Las Atlantis Details |
|---|---|
| US Players | Yes |
| Online Since | 2020 |
| # of Games | 211 |
| Instant Play | Yes |
| Banking | Visa, Mastercard, Bitcoin |
| Currencies | USD, UAD, Crypto |
| Deposit Limits | $10 - no max |
| Live Dealers | Yes |
| Bonus | 280% up to $14,000 |
| Compatibility | iOS, Android, and Windows |
| Download | Yes |
| License | Curacao |
| Software | RTG and Visionary iGaming |
| Payout Speed | 24 hours |
Top Benefits at Las Atlantis Casino
Best Offer at Last Atlantis: 280% SlotsBonus up to $14,000
This is the ideal site for US bettors because BetUS accepts wagers from anyone in the US. There are a lot of real money casinos online that have restrictions based on states, but not BetUS.
This gambling app has stood the test of time. They were founded in 1994 and have spent the last few decades refining their craft and discovering how to better serve their customers. Consider them the elder statesmen of the online casino realm with a firm grasp on their market.
Customers at BetUS will be met with competitive bonus offers like the 150% sign up offer up to $3,000 and a 125% up to $1,250 bonus for slots. You’ll get top customer service with a representative on call 24/7 through a toll-free phone number, email address, and a live chat feature.
BetUS Casino Details
| Criteria | BetUS Details |
|---|---|
| US Players | Yes |
| Online Since | 1994 |
| # of Games | 419 |
| Instant Play | Yes |
| Banking | Visa, Mastercard, Bitcoin |
| Payout Speed | 1-2 Days |
| Live Dealers | Yes |
| Bonus | 150% up to $3,000 |
| Compatibility | iOS, Android, and Windows |
| Download | No |
| License | Curacao and Costa Rica |
| Software | Digital Gaming Solutions |
Top Benefits at BetUS Casino
Best Offer at BetUS Casino: 150% Bonus up to $3,000
When you compare the number of games found at Wild Casino with other real money casino apps, it’s no contest. It’s astounding how many games are found at this top-rated online casino: 415! And many of these are real money slots.
With great gaming comes great software. Wild Casino employs top-of-the-line software developers to generate their game content such as Nucleus Gaming, Fresh Deck, Visionary iGaming, Betsoft, and Platypus. Another great aspect of Wild Casino’s game lineup is their wealth of top-rate slot titles that have higher-end RTP percentages ranging from 96-99%!
Keeping with the theme of superb gaming choices, Wild Casino is serious about their live dealer games with more than 40 dealers allowing you to play online casino games in real-time. Players can take advantage of generous welcome bonuses for newcomers and crypto-users, while they can also enjoy a host of banking methods for deposits and safe, secure payouts.
Wild Casino Details
| Criteria | Wild Casino Details |
|---|---|
| US Players | Yes |
| Online Since | 2017 |
| # of Games | 415 |
| Instant Play | Yes |
| Banking | Visa, Mastercard, Bitcoin |
| Currencies | USD, Crypto |
| Support | Email, Phone, Live Chat |
| Live Dealers | Yes |
| Bonus | $5,000 Welcome Bonus |
| Compatibility | iOS, Android, and Windows |
| Download | No, use in-browser |
| License | Panama |
| Software | Nucleus Gaming, Betsoft |
Top Benefits at Wild Casino
Best Offer at Wild Casino: $5,000 Welcome Bonus
Like Wild Casino, Super Slots carries a ton of real money online casino games on their site. Players can indulge in anything from table games to poker and blackjack to (you guessed it) slots. But it seems that the number of games at this site continues to increase at a steady pace. You can always find new content each time you visit the site, making it a shoo-in for the best online casino with new games.
Aside from this superlative, Super Slots has two live dealer casinos as well as nearly 200 real money slots titles, enough the satisfy the biggest slots fanatic out there! Real money bonus content remains exciting and engaging with generous welcome offers, VIP reloads, a progressive jackpot and promotions based on a day of the week like the Hump Day Special or the Tuesday Top Up. If you’re always looking for the newest games, we recommend giving this casino gambling app a look.
Super Slots Details
| Criteria | Super Slots Details |
|---|---|
| US Players | Yes |
| Online Since | 2020 |
| # of Games | 407 |
| Instant Play | Yes |
| Banking | Visa, Mastercard, Bitcoin |
| Support | Instant and Mobile |
| Live Dealers | Yes |
| Bonus | 300% up to $6,000 |
| Compatibility | iOS, Android, and Windows |
| Download | No |
| License | Panama |
| Software | 1-2 days |
Top Benefits at Super Slots
Best Offer at Super Slots: $6,000 Welcome Bonus
Some people like to do their casino gambling online. Others like to download iGaming software to their PC. If you’re one of those people, this casino app may be the one for you. The fact that this online casino is available for download is no mystery! It is plastered all over the site and will only take a short time to install and start playing online casino games for money.
Once you have Vegas Casino Online downloaded, you’ll have easy access to the site. That means that you don’t have to worry as much about what your internet connection happens to be like on the day that you’re playing. You can just dive in and get started.
None of this would matter is Vegas Online Casino didn’t have the qualities that we recommend in our favorite online casinos. But they come through in all the major departments that we test. As a result, those who like the downloadable experience should strongly consider this site as one of their top choices.
Vegas Casino Online Details
| Criteria | Vegas Casino Online Details |
|---|---|
| US Players | Yes |
| Online Since | 1999 |
| Location | United Kingdom |
| Software | RealTime Gaming |
| License | Panama and the UK |
| Bonus | 150% up to $3,000 |
| Banking | Visa, Mastercard, Bitcoin |
| Download | Yes |
Top Benefits at Vegas Casino Online
Best Offer at Vegas Casino Online: Welcome Bonus up to $3,000
This is the best place online to find plenty of exciting and engaging poker games! BetOnline is an online poker site has been in business for a solid 20 years and has a fantastic grasp on running their business and keeping their customers content.
Look for their generous 100% welcome bonus up to $3,000, fast and safe payouts, and an impressive set of casino games that number a hair under 500 titles! This real money online casino also doubles as a top-rated sportsbook to satisfy all your online gambling needs.
BetOnline Casino Details
| Criteria | BetOnline Details |
|---|---|
| US Players | Yes |
| Online Since | 2001 |
| # of Games | 491 |
| Instant Play | Yes |
| Banking | Visa, Mastercard, Bitcoin |
| Currencies | US Dollars |
| Support | Phone, Email, Live Chat |
| Live Dealers | Yes |
| Bonus | 100% up to $3,000 |
| Compatibility | iOS, Android, and Windows |
| Download | Yes |
| License | Panama |
| Software | Betsoft, Nucleus, Dragon |
| Payout Speed | 1-2 days |
Top Benefits at BetOnline Casino
Best Offer at BetOnline Casino: 100% Welcome Bonus up to $3,000
Not only has this casino gambling site been on the market for a considerable time, but they are part of a family of online casinos and gambling apps that date back to the early 90s.
After years of experience, they know exactly how to treat their customers, which brings us to their top-rated VIP program. This tiered system allows loyal online casino players to work their way to better prizes and perks. VIPs have access to their own private account manager and customer service representative, the ability to attend exclusive tournaments and special events, and enjoy express payouts and double rewards when they gain access to the Red Room!
If you’re looking for a little more out of your real money online gambling experience Bovada’s VIP program may be able to provide just that.
Bovada Casino Details
| Criteria | Bovada Details |
|---|---|
| US Players | Yes |
| Online Since | 2011 |
| # of Games | 157 |
| Instant Play | Yes |
| Banking | Visa, Mastercard, Bitcoin |
| Currencies | US Dollars |
| Deposit Limits | $10 – $15,000 |
| Live Dealers | Yes |
| Bonus | 100% up to $3,000 |
| Compatibility | iOS, Android, and Windows |
| Download | No |
| License | N/A |
| Software | RTG, Betsoft, Rival |
| Payout Speed | Under 1 hour |
Top Benefits at Bovada Casino
Best Offer at Bovada: 100% Welcome Bonus up to $3,000
MyBookie has been a highly rated online sportsbook and casino site for many years. Its clean design, user-friendly navigation and handling, and its memorable welcome bonus make this online casino app (and renowned online sportsbook) a true standout in the sea of competition.
Newcomers can enjoy a generous 150% up to $750 for the casino and a 50% sports welcome on their initial deposit.
MyBookieCasino Details
| Criteria | MyBookie Details |
|---|---|
| US Players | Yes |
| Online Since | 2014 |
| # of Games | 230 |
| Instant Play | Yes |
| Banking | Visa, Mastercard, Bitcoin |
| Currencies | US Dollars |
| Live Dealers | Yes |
| Bonus | 150% up to $750 |
| Compatibility | iOS, Android, and Windows |
| Download | No |
| License | Curacao |
| Payout Speed | 2 days |
Top Benefits at MyBookie Casino
Best Offer at MyBookie Casino: 150% Welcome Bonus up to $750
If you reside in Great Britain you can’t do much better than having a casino app that’s fully dedicated to your country. As the name would imply this real money casino website focuses all its efforts on providing the best online gambling experience for UK clients. From what we’ve seen, they’re doing a pretty good job.
That doesn’t mean that players from other countries are out of luck at All British Casino. It’s just that there’s more of a British twist on some of the terminology and the odds. But the game play for the best slots and table games is relatable to any gambler.
In addition to casino games, All British Casino also features an online sportsbook. And this part of the app also skews British, with a focus on sports and types of bets familiar to citizens in the United Kingdom. But this all-in-one casino will please anyone who happens upon it.
All British Casino Details
| Criteria | All British Casino Details |
|---|---|
| Accepted Currency | GBP |
| # of Games | Over 600 |
| Casino Software | Microgaming |
| Mobile | Android, iOS, iPad |
| Min Deposit | 20 pounds |
| Casino RTP | 95.98% |
| Encryption | 128-bit SSL |
| Download | Not available |
Top Benefits at All British Casino
Best Offer at All British Casino: 100% up to £100
Betway is one of the biggest names in real money online gambling. With 24/7 customer service, 48-hour payouts, a cutting-edge mobile gambling app, and gaming content from the brilliant minds of IGT, NetEnt, and Playtech, this is by far the best online casino that accepts wagers from Canadian players!
Keep in mind that Betway also caters to other parts of the world as well. For example, they’ve struck partnerships in the US with the states that legalized gambling. This is another all-in-one gambling site, which means you can play casino games and bet on sports from a single account.
Look for excellent bonuses from Betway as well. And they do a nice job with their loyalty program, letting players who bet often with them get a boost that part-time gamblers can’t claim. That’s the kind of touch that makes this online casino so valuable to Canadian players.
BetwayCasino Details
| Criteria | Betway Details |
|---|---|
| Canadian Players | Yes |
| Online Since | 2006 |
| HQ | Malta |
| Payout Speeds | 48 hours |
| Instant Deposits | Yes |
| Bonus | C$1,800 Bonus |
| License | Malta Gaming Commission, UK Gambling Commission |
| Software | IGT, NetEnt, Playtech |
Top Benefits at Betway Casino
We understand that no two casino players are exactly the same. One of the best things about the internet is that it connects everyone and we can all enjoy our favorite casino games instantly.
However, who’s to say that the best online casinos USA has to offer for you are the best site for someone else?
You might want to play slots from a mobile device in the US, while another player might hope to play video poker from his or her laptop in Australia or the UK. Naturally, what suits you won’t necessarily work for someone else.
No matter what your situation is, we’ve got you covered. Whatever type of casino you’re looking for, the device you’re using, betting limits you prefer, or games you want to play, we have designed pages especially for you.
If you’re not based in the US, the following pages will be useful. If you’re not from one of the following locations, either, don’t worry; there are still plenty of casinos which will accept you (in most cases). Just skip to the reviews section if none of the following links apply to you.
As you can see, the UK online casinos industry is legal, safe, and highly regulated. This means that British players can play at some of the best online casinos for real money in the UK and the world. We would advise sticking with UKGC-licensed casinos as a result.
If you live outside the US you’ve probably seen multiple ads for casinos online or mobile gambling apps. But how do you know which ones are really worth your time? Below we’ve compiled a list of reviews that should help you in your search for the best online gambling site.
Picking the best casino online is a little like picking a great bottle of wine – it takes time to learn, and there’s nothing that can replace experience. The LGS team has decades of collective experience, and we’ve developed a specific set of rules for choosing which casinos make our list and which don’t. We also give these factors a score, which helps us decide where on the list to place each site.
Let’s take a look at some of the things we consider now when making our picks for the best online casinos. While you’ll see trustworthiness and security at the top (it’s priority number one), all of these factors are equally important, and none should be overlooked.
There are a few key things to look for when assessing whether or not a casino is trustworthy and safe/secure. The following come into play at this stage:
What are some of the qualities that push a good online casino into the great category? It requires going above and beyond the standard features. Some of those special features include the following:
If you’re playing on a desktop computer or laptop, you probably won’t have to worry much about device compatibility. But what if you’re playing on a mobile device? Some casinos allow all mobile users to play directly through a mobile browser, but others will ask you to download an app.
Finding out if the casino app is compatible with your device could be time-consuming, not to mention annoying. Expert casino reviews make it easy by telling you exactly which mobile devices each casino app is compatible with.
There are two elements to think about when considering the banking side of online casinos. The first is what payment methods are available, and the second is how long payouts take.
In all of our casino reviews, we list the deposit and withdrawal methods available, what fees each entail (if any), and how long it takes to receive your jackpots/winnings if you use these methods.
If you’re into using cryptocurrencies online, we also cover that. In fact, we have a dedicated list of crypto-friendly casinos which accept Bitcoin and some altcoins, so check that out if crypto is your scene.
Most new casino players don’t even think of customer service when they go about finding a legit online casino. It’s not even something which occurs to most people until they need it, and by then, it’s too late if you’ve picked the wrong casino site.
Expert reviews can tell you how to get in touch, what sort of service to expect, and the opening hours (not all casinos offer 24/7 service).
If a real money casino aces all of our other categories but offers subpar customer service, it won’t make our recommended list. We’ve seen it all when it comes to customer support, from instant, professional responses to casinos which take several days to respond to an email.
We look for the following:
We hope by now we’ve convinced you that taking the time to read expert-written reviews is an important step in answering the question of how to choose the right online casino.
Bonuses and promotions are a major reason why many people prefer online gambling to being in a casino. Quite simply, it’s near impossible for physical casinos to offer you the same incentive to play as you can get online. Online gambling sites need to stand out from the pack and have to offer you big perks to get you to sign up with them.
What kinds of bonuses should you be seeking? Here are some of the most popular available at top sites:
Top gambling sites will offer you bonuses like these on a number of occasions, such as when you reload your account, when certain days of the week or holidays occur, on birthdays, or just to promote a certain game, as well as providing you with some sort of loyalty program. But the most popular of all bonuses is the welcome bonus, which comes to those signing up with a site for the first time. These are also the most lucrative bonuses offered because sites want to secure your business and a big welcome promotion is a great way to do it.
We stress that you read the terms and conditions for any bonus you’re considering utilizing. Find out about the betting requirements you need to fulfill before you can cash out. You should also look to see if the bonuses are restricted to specific games and if there’s a maximum you can win from them.
Remember how we said picking a casino is a lot like picking a car? Well, there’s no rule to say you have to buy the first car you test drive, and just as you’re free to try multiple vehicles, so you’re free to try multiple casino sites.
In fact, we have encountered some hardcore casino players who have dozens of accounts, taking full advantage of the diversity of games and bonuses that are made possible. They’re wise to do this, and you should probably follow their lead.
We would argue that it is best to try a few different casinos before settling on one. You can come back to the others later if you like, since once you’re registered, your account will remain open for up to a year at most sites even if you don’t make a move. You’ll know how to choose the right online casino after you try a few of them for yourself!
PROS
Cons
When choosing a gambling site, you should have access to all the games that you could play at a physical casino location in Las Vegas or any other top destination. If a site doesn’t come through with game variety, you could find yourself getting bored very quickly, whether you’re an expert player of a beginner.
Make sure that any online casino you choose has these major games (at the very least) when you sign up to play:
After you’ve found a casino you’re interested in through reading various reviews, you’ll need to take the next step and visit the site itself. As the old saying goes, someone can tell you how an apple tastes all day, but you need to take a bite to really know what it’s like!
Once you land on the site, you should:
Remember how we said earlier that no two players are alike? Well, that’s where the following pages will come into play. Whether you’re looking for an established site, a new casino site, a site which is compatible with your specific mobile device, or one which is guaranteed safe and fair, the following links will guide you to exactly what you’re looking for. Check them out.
There’s so much to know and understand about the best online casinos that many players don’t realize (especially new players). Even those who have been playing for years are often shocked when they begin to understand things like house edge and how casinos are designed in such a way as to keep you there for as long as possible.
Learning exactly how the games work (math included), how casinos are designed, some of the marketing and design tricks they use, and how casinos might evolve and change in the future are all covered in the following sections. Think of this as your free casino education.
There’s no doubt about it – when you sit across from the dealer at a brick-and-mortar casino or you’re playing in an online casino, you’re playing a game in which the house is trying to get your money, and you’re trying to get theirs. It’s a zero-sum game – somebody wins, and somebody loses…every single time.
We believe that the key to winning on a more consistent basis is to understand as much as you can about casinos and how they work/operate.
Picking the right game (or the right variant of a game) could mean the difference between the casino having a 2% advantage and a 15% advantage (or more). Understanding this allows you to make better, more informed decisions about which games to play and how to develop winning strategies.
Yet the house edge isn’t the only thing you’ll want to understand about casinos. Understanding how casinos operate from a business perspective, the tricks they use to get you to keep gambling even after you’ve scored a big win, and how they make decisions is also crucial if you want to stand a chance of walking away in the money.
“Know thy enemy,” Sun Tzu said in The Art of War. We wouldn’t exactly call casinos an enemy, as such, but when it comes to playing games, they’re certainly our opponent. Understanding them is the key to beating them. Check out the following pages to begin your journey into understanding casinos better.
The above section will give you lots of sunlight into casinos in general, but this section zooms in and focuses specifically on online casinos.
Even if you’re tech-savvy and grew up in the internet era, there’s still a learning curve when it comes to playing at even the best online casinos. There are specific things you’ll want to understand about the following:
The pages below have been written to fill you in on these crucial elements about online casinos. Even if you’ve been playing online for a while, take the time to check them out. Remember, knowledge is power, and the more you know, the better your chances of winning – or at least of avoiding the common traps new players fall into. If you think you already know it all, you might be surprised by what you learn.
Bankroll management is one of the oldest topics in gambling. But that’s because casino bankroll management is an important topic. It’s like your household budget – without it, you have no idea where your money needs to go. The likely result is that you spend it randomly and with reckless abandon.
Your bankroll includes everything you need to gamble. This money is outside of, or in addition to, the money you need for other areas of your life.
It’s only once you understand this that you can even begin to learn casino bankroll management.
Here are a couple of tips to help you do that:
We wish we could tell you that all real money online casinos out there are reputable, that you’ll never be scammed, and that you can use any old site or gambling app out there without any fear of being taken.
The reality of the situation is that there are plenty of shady and unsavory businesses out there who have either maliciously scammed their players, who are simply incompetent when it comes to running their business, or who struggle to payout their players completely or correctly. And there could be more problems than that with some of these places!
Another sad reality is that there are a lot more online gambling sites out there that you want to avoid than there are good online casinos. We are only touching less than half the tip of the iceberg here, but check out this short list of online casinos you will want to do your best to avoid!
| Casino Name | Violation or Bad Practice |
|---|---|
| Coolcat Casino | Payment Issues |
| Jupiter Club | Spam Marketing |
| Lady Dream Casino | Rigged Games |
| Lucky 18 Casino | Payout Refusals |
| Palace of Chance | Payment Problems |
| Slots of Vegas | False Advertising |
| Win Palace | Payment Problems |
Here are a few ways to identify an online casino that might not be all it’s claiming to be. It is all a part of the process of vetting and researching online casinos to ensure you are using a safe and reputable site for playing casino games for money.
There’s no doubt that gambling is fun, and if it wasn’t, there wouldn’t be so many people engaged in it. Yet there’s a darker side to gambling as well. As responsible actors within the gambling industry, we want to look after our readers proactively by making you aware of these pitfalls.
We also want to give you a helping hand if you do fall into problem gambling. There are tools and resources out there which can help if you know where to look.
The responsible gambling section will show you how to identify problem gambling. We’ll also tell you where to turn for help if you feel you might have developed a problem. And we’ll explain some of the tools you can use to manage problem gambling if it has a grip on you or someone you know and love.
Because different states and countries have different regulations, this is difficult to answer as broadly as a FAQ demands. We recommend looking into your local laws before downloading any gambling app or play at any casino online.
Most online casinos are real and give you the opportunity to play with real money. However, you do have to be careful because there are some sites that are nothing more than scams designed to take your money.
We recommend Café Casino as a casino with high payouts. They offer a number of table games with low house edges, such as single deck blackjack (1%), craps (1.4%), baccarat (1.5%), and European roulette (2.5%). They also feature slots with a high return to player (RTP), such as Instant Inferno (96.6%) and 10 Times Vegas (96.47%) .
Yes, there are many offshore online casinos that will accept players from all 50 US states. They don’t have a license from the US, but they operate legally in other jurisdictions and there’s no American law stopping the players from using online gambling services.
Yes, many online casinos are safe, but there are exceptions. You should be fine if you stick to gambling sites run by a reputable company that offers a legit license, fair games, and trusted banking options (like our recommended casinos). If one or more elements are missing, pick another casino.
Yes, we highly recommend TonyBet, 10Bet, and All British Casino.
There are a few. These include BetUS Casino, Wild Casino, Super Slots, and Bovada Casino.
Since online gambling sites work with many of the same casino software developers as brick-and-mortar locations you, can find many of your favorite games. And thanks to online live dealer casinos there’s not much you can play at a land-based casino that you couldn’t play for money online.
No. In fact many casinos online do not, but rather have opted to have mobile-friendly casino sites. All the sites we’ve recommended will work on your phone though, whether it’s a native casino app or just mobile friendly.
This depends on the casino app you’re looking at. There are many social casino apps on the market that are designed just for playing casino games with friends online. There’s nothing wrong with these apps, but if you want to play for money you’ll want to be sure you go with an online casino like the ones we’ve recommended on this page.
Our expert team took the time to vet each casino and found them to be trustworthy. Each is fully licensed by a legitimate gambling authority in a reputable jurisdiction and has no previous instances of misusing or mishandling customers’ personal or financial information.
