Terms & Conditions

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 BetHarness.com. By using our website and wagering system you accept all of the terms and conditions contained 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 and legal notices, do not use this web site or our wagering platform.


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

  • Provide the following personal information: full legal name, phone number, email address, residence address, mailing address (if different), social security number, driver's license number and state, and any other information that may be required.
  • Have read and agreed to abide by all of the Terms and Conditions set forth by BetHarness.com.
  • Allow BetHarness.com to use third party services to authenticate your account information. All information used to authenticate your account is kept completely confidential.
  • Agree to pay all charges posted to your BetHarness.com account.
  • Allow BetHarness.com to open an advance deposit wagering (ADW) account in your name and to manage funds on your behalf.
  • Notify BetHarness.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.
  • Acknowledge that BetHarness.com reserves the right to report unusual or suspicious activity to the proper authorities.

Only one account per verified person will be allowed. BetHarness.com reserves the right to reject any application for an account for any reason it deems necessary. BetHarness.com also reserves the right to close an account for any reason it deems necessary. 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) month or more, BetHarness.com may charge a monthly account maintenance fee of $2.00. If the balance in an inactive account is $2.00 or less, the remaining balance will be assessed.




Go to www.BetHarness.com and sign in using your unique username and password. BetHarness.com Players may also use the following phone number to place wagers, check on account status or access player services at anytime between 9:00am to 12:00am Eastern.

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

The maximum wagering amount allowed is $2,500 (US) per transaction. The maximum show wager amount is $5,000 (US). The wagering amounts are also dependent on the host racetrack and BetHarness.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 BetHarness.com account upon posting of official results by the respective host racetrack.

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

Once a wager is submitted, confirmed and accepted, refunds and/or cancellations are NOT permitted. Once confirmed by the BetHarness.com wagering system, ALL WAGERS ARE FINAL. 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.


Deposits can be made online, by phone, mail or in person.

EZMoney: BetHarness.com' FREE method for depositing funds. Transfer funds electronically between your checking/saving/money market account and your wagering account. For more information see the EZMoney FAQ page. EZMoney transactions returned for any reason will result in a $25 charge to a player's account.

EZBank: Get instant access to your deposited funds when you use EZBank. It’s safe, fast, and familiar, and to use it, all you need is a personal bank account set up with “online bill pay” at one of the supported banks. Deposit funds into your wagering account right from your online bank account. We will direct you to log in to your bank for a secure, hassle-free, simple checkout after you select EZBank on the deposits page. We do NOT store nor use your credentials. This is monitored and verified by leading privacy and security certification firms. Read EZBank FAQs for more information.
Credit Cards Online: You may use your Visa or MasterCard to fund your wagering account online. Be advised that some banks may charge a cash advance fee. Please check with your bank for details. In addition, a charge of $5.00 will be applied for each online credit card transaction. Many credit card issuers (banks) restrict deposits to online wagering websites. We have found MasterCard credit cards to have better acceptance rates than Visa credit cards.
Debit or ATM Cards Online: This is a convenient, secure and easy way to deposit to your account with your Visa/MasterCard Debit Card or your ATM Card online. This option to fund your wagering account brings the convenience and security of a Debit card online. All you need is your Debit card and preferably a PIN associated with it. Please read Debit or ATM Card Online FAQs for more information.
Phone: Use your Visa or MasterCard to fund your wagering account by phone. Be advised that some banks may charge a cash advance fee. Please check with your bank for details. Many credit/debit card issuers (banks) restrict deposits to online wagering websites. Credit card deposit transactions processed by our Player Services center over the phone will incur a fee of 4.5% which will be added on to the amount requested. To make a credit card deposit, please call Player Services at any time between 9:00am to 12:00am Eastern. 

By Mail: Personal checks are accepted via mail. Personal checks will be credited to a player's account as soon as the personal check has cleared the banking system. This typically takes 5 - 7 business days. Personal checks returned for any reason will result in a $25 charge to a player's account. Please mail all personal checks (for account deposit) to:

P.O. Box 8510
Lexington, KY 40533-8510

In Person: Currently, Betharness Players may only make in person cash withdrawals and deposits at various locations. Click here for details.

Other Deposit Methods: Deposits can be made via wire transfer. Wire transfers will be funded to a player's account upon receipt of funds by BetHarness.com from the issuing bank. Funds must be wired from a bank account that is held in the same name as the BetHarness.com account holder. Any fees incurred by BetHarness.com to process and receive the wire transfer will be charged to the account holder by having funds deducted from the player's BetHarness.com account. If you would like to fund your account via wire transfer, please call Player Services at any time between 9:00am to 12:00am Eastern. All wire transfer transactions must be completed during regular banking hours.

In the event of any dishonored financial instrument or transaction, BetHarness.com may 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.

BetHarness.com players may check account balances by logging onto www.BetHarness.com or by calling our Player Services center at any time between 9:00am to 12:00am Eastern.

BetHarness.com player account balances accrue no interest.

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


Withdrawal requests will be processed within five (5) business days after receipt of the withdrawal request. Withdrawal requests can be made by phone or in person. The availability of funds is subject to funds available in the player's account

By Website via EZMoney: BetHarness.com' FREE method for depositing funds. Transfer funds electronically between your checking/saving/money market account and your wagering account. For more information see EZMoney FAQ page.

By Phone: Withdrawals may be requested via phone by calling our Player Services at any time between 9:00am to 12:00am Eastern. Withdrawal requests can only be made by the account holder and upon verification of the account holder's identity. Withdrawal requests made via phone will be processed by check and mailed to the registered account holder's address on record and will be mailed within five (5) business days of receiving the request.

By Credit or Debit Cards: We currently do not provide refunds on credit or debit cards.

In Person: Withdrawals may be requested at certain locations affiliated with BetHarness.com. Withdrawal requests must be in writing with an authorized signature on an official BetHarness.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. Account holder may be asked to answer certain questions in order to verify account holder's identity. Currently, BetHarness Players may only make in person cash withdrawals and deposits at various locations. Click here for details.



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. When required, BetHarness.com will report and withhold winnings. A Form W2-G will be sent to the account holder summarizing such activity.


Except where provided otherwise by the Oregon Racing Commission, in no event will BetHarness.com, Churchill Downs Technology Initiatives Company or its parent and affiliates, 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). However, our liability to you and any third parties in any circumstance is limited to the amount of the wager you placed or limited to the fullest extent allowable by applicable law or statute.


These Terms and Conditions and all transactions conducted with BetHarness.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.


Any questions or requests regarding player services, account settlements or issues, wagering disagreements, general information, etc. should be directed to BetHarness.com customer service at anytime between 9:00am to 12:00am Eastern. 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 identify verification agency.


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 BetHarness.com' account wagering center or its employees or agents act without good faith or fail to exercise ordinary care, BetHarness.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 BetHarness.com of a breach of the account's security.

As a BetHarness.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 Personal Identification Number and keeping a back up in a safe and secure place;
3) NEVER leaving any computer logged on to your BetHarness.com account for any reason (always sign out when leaving your computer unattended for any amount of time); and 
4) Contacting BetHarness.com immediately with any security or personal account issues either by phone at anytime between 9:00am to 12:00am Eastern or by email.


BetHarness.com may contain links to outside websites. Neither BetHarness.com nor Churchill Downs Technology Initiatives Company or its parent and affiliates are responsible for outside (third party) sites' privacy and security measures, policies and guidelines. When clicking through to an outside (third party) site from www.BetHarness.com, please be sure you understand each sites' own privacy and security guidelines.


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 BetHarness.com, 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.


You can view all of BetHarness.com live racetrack video feeds. Handicap the races, check live odds, place your bets, and watch the action unfold right on your computer screen! (Live video streaming is not available to New York customers due to restrictions enforced by the New York State Racing and Wagering Board.)

Video streaming will be available for those account holders who have wagered:

1) A minimum of $50 in the last 5 days you have accessed the video system or,

2) A minimum of $50 during the last 5 calendar days or,

3) A minimum of $100 wagered during the previous 30 calendar days or,

4) A minimum of $600 wagered during the previous 90 calendar days or,

5) A minimum of $5,000 during the previous 360 calendar days.

Viewing will be restricted until any of the minimum requirements are met. The account will then be automatically updated and the restriction will be lifted. The wagers accumulate for telephone and internet service.

Players who meet the minimum requirements will not see any changes. For occasional visitors who do not meet the minimum requirements, a notice will appear with instructions to restore viewing privileges.

Please note: Race replays are a part of the policy above. Players must meet wagering minimums to see
either replays or live video.


You agree to defend, indemnify and hold harmless BetHarness.com, its parent and affiliates, including Churchill Downs Technology Initiatives Company and 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 BetHarness.com account.


You must be at least 18 years of age (except Washington residents must be at least 21 years of age) and a resident of a state where the BetHarness.com wagering system is available. BetHarness.com reserves the right to deny the request to open an account or to close an account for any reason. 


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.

Legal Notices

This web site is provided the terms and conditions of this web site and all applicable laws. By accessing and browsing the web site, you accept, without limitation or qualification, these terms and conditions and acknowledge that any other agreements between you and BetHarness.com regarding the subject matter hereof are superseded and of no force or effect.

Use of documents from this web site 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 BetHarness.com web site may be copied or retransmitted unless expressly permitted by BetHarness.com.

Images of people or places displayed on the BetHarness.com web site, or in related materials such as advertising or other printed materials, are either property of, or used with permission by BetHarness.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 web site, or specific permission is granted by BetHarness.com.

BetHarness.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 web site. All such documents and related graphics are provided "as is" without warranty of any kind. In no event shall BetHarness.com be liable for any special, incidental, punitive, indirect, or 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 BetHarness.com web site, provision of or failure to provide services, or information available from this web site.

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

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.

Churchill Downs Technology Initiatives Company, Bloodstock Research Information Services, TwinSpires, 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 BetHarness.com, without any compensation to you, for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast, and product enhancement.

BetHarness.com has published its Privacy policies elsewhere on the BetHarness.com web site, which govern the handling of your personal information.

The BetHarness.com web site may provide links, which will let you leave the BetHarness.com web site. These linked sites are not under the control of BetHarness.com and BetHarness.com is not responsible for the contents of, or any changes or updates to such web sites. BetHarness.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 BetHarness.com.

BetHarness.com shall not be liable to you for failure to provide services in the event any equipment, service or transmission can not be provided by BetHarness.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 BetHarness.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 or eliminated 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 BetHarness.com web site may be subject to separate copyright restrictions, which also must be honored by you.

You agree to defend, indemnify and hold harmless BetHarness.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 web site.

As a condition of your use of the BetHarness.com web site, you warrant to BetHarness.com that you will not use the BetHarness.com web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the web site in any manner, which could damage, disable, overburden, or impair the web site or interfere with any other party's use and enjoyment of the web site. Any conduct that in BetHarness.com' sole discretion restricts or limits any other user's use or enjoyment of the web site 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 BetHarness.com web site.

BetHarness.com shall have the right, but not the obligation, to monitor the content, and your usage of the BetHarness.com web site, 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 web site and these disclaimers, terms and conditions at any time, which changes shall become effective immediately upon posting on the web site.

BetHarness.com reserves the right in its sole discretion to revoke any or all access and use authorizations granted to you. Your authorization to use the BetHarness.com web site automatically terminates without notice if in BetHarness.com' sole discretion you fail to comply with any of these terms of use.

Any rights not expressly granted herein are reserved by BetHarness.com. These terms and conditions may be revised without notice, and such revisions are deemed to be in full force and effect upon posting at the BetHarness.com web site.