ph money Terms and Conditions – Rules for PH Players

These Terms and Conditions form a binding agreement between you and ph money. Access to any part of the ph money platform, including the website, mobile interface, gaming products, and cashier, constitutes acceptance of these terms. If you do not agree, you must not use ph money.

ph money reserves the right to update these terms at any time. Changes take effect when published. Continued use of ph money after an update means you accept the revised version. Significant changes will be communicated through in-platform notices or to the registered email address on your account.

These terms should be read alongside the ph money Privacy Policy and Responsible Gaming policy, both of which form part of the overall agreement between you and ph money.

To register and use a ph money account, you must satisfy all of the following requirements without exception:

1. You must have reached the minimum legal age for online gaming in the Philippines at the time of registration. ph money does not accept accounts from minors under any circumstances.
2. You must be a natural person acting on your own behalf. Registrations made on behalf of another individual, a corporation, or any other entity are not permitted.
3. You must not be subject to a self-exclusion agreement, cooling-off period, or any court or regulatory order that restricts your participation in online gaming.
4. You must be accessing ph money from a jurisdiction where doing so is lawful. Players located in regions where online gaming participation is prohibited are not eligible to register.
5. You must provide accurate, current, and complete information during the registration process. ph money may request identity verification documents at any stage to confirm eligibility.

ph money reserves the right to decline any registration, suspend any account, or void any wager where eligibility requirements are not met, whether discovered at registration or at a later date.

Each individual may hold only one ph money account. Creating or using more than one account, whether under the same or different personal details, is a breach of these terms. ph money will close duplicate accounts and may retain any balance in accordance with the fraud provisions of these terms.

You are solely responsible for maintaining the security of your ph money login credentials. This includes:

• Choosing a strong, unique password that you do not use on other platforms.
• Never sharing your password, one-time PIN, or verification code with any other person.
• Logging out of ph money on any shared or public device after each session.
• Notifying ph money support immediately if you suspect unauthorised access to your account.

ph money will not be liable for losses resulting from unauthorised access to your account where that access occurred because you disclosed your credentials, failed to secure your device, or used the account on an unsecured network. ph money staff will never ask for your full password or OTP through any communication channel.

All ph money account balances are held in Philippine pesos. Deposits and withdrawals must be conducted through payment methods registered in the account holder's own name. Third-party payments, including those from another person's GCash, Maya, bank account, or card, are not permitted and may result in account suspension and return of funds.

ph money currently supports the following local payment channels, subject to availability:

Minimum and maximum transaction limits, processing times, and available channels can change. The ph money cashier always reflects current conditions. Deposits made in error or through a disallowed method may be returned, less any applicable processing fees charged by the payment provider.

ph money does not guarantee a specific withdrawal processing window. Withdrawals are reviewed in the order they are received. Accounts pending identity verification may experience longer processing times until the verification is complete.

Each ph money game, including sports betting, live casino, Tongits, Color Game, and all other titles, operates under its own set of rules that govern wager acceptance, settlement, and payout calculations. These product-specific rules are available within the relevant section of ph money and form part of these terms by reference.

General rules applicable to all ph money wagering:

1. A wager is confirmed only when ph money acknowledges it and assigns a reference. An unconfirmed bet should not be assumed to be active.
2. Accepted wagers cannot be altered or cancelled except where ph money rules specifically permit it.
3. ph money reserves the right to void any wager where a technical error, pricing mistake, or data feed failure produced an incorrect line or odds. Affected stakes will be returned to the account balance.
4. Wagers placed on behalf of a third party, in collusion with other players, or as part of a pattern intended to exploit pricing errors are prohibited and may result in settlement reversal and account closure.
5. ph money may impose wagering limits on specific markets, games, or accounts. These limits are set at ph money's discretion and are displayed in the relevant interface.

All outcomes at ph money are determined according to the stated rules of each game. No ph money representative can guarantee, predict, or influence the outcome of any game or match.

ph money may offer bonuses, promotions, and special events from time to time. Each offer carries its own terms, including eligibility criteria, wagering requirements, valid game restrictions, expiry dates, and withdrawal conditions. These specific terms will be published alongside the relevant offer.

General bonus rules at ph money include:

• Bonuses can only be claimed by the registered account holder. One bonus of the same type per account, per household, and per IP address applies unless the offer explicitly states otherwise.
• ph money reserves the right to withdraw, modify, or cancel any promotion at any time. Outstanding qualifying wagers placed before cancellation will be settled under the original terms.
• Bonus abuse, including creating multiple accounts to claim the same promotion, using third-party deposit methods, or placing opposing bets to reduce risk artificially, will result in bonus cancellation and may trigger account review.
• Wagering requirements must be met in full before bonus-derived winnings can be withdrawn. The ph money account page displays the current progress toward any active requirement.

The following actions are strictly prohibited on ph money. Engaging in any prohibited conduct may result in immediate account suspension, balance forfeiture, and referral to relevant Philippine authorities:

1. Using ph money for money laundering, fraud, or any activity that violates Philippine anti-money laundering laws.
2. Accessing ph money using automated tools, bots, scripts, or software that mimics human interaction.
3. Exploiting software errors, glitches, or undisclosed vulnerabilities to gain an unfair advantage.
4. Colluding with other players or coordinating wagers to manipulate game outcomes or bonus conditions.
5. Impersonating another person, using false identification, or misrepresenting any material fact during registration or verification.
6. Attempting to access or interfere with any other user's ph money account.
7. Accessing ph money from a jurisdiction where doing so is prohibited, using a VPN or proxy to disguise your location.

ph money employs monitoring systems to detect unusual account activity and reserves the right to investigate any account where prohibited conduct is suspected. The decision of ph money on all matters relating to prohibited conduct is final.

ph money is committed to providing a gaming environment that supports player wellbeing. We offer tools including deposit limits, session time reminders, and self-exclusion options. Players are encouraged to use these tools proactively rather than waiting until a problem becomes serious.

Self-exclusion requests made through ph money will be applied as quickly as operationally possible. Once a self-exclusion is active, ph money will not process deposits or accept wagers from the excluded account for the duration of the exclusion period. Marketing communications will also be stopped.

If you are concerned about your own gaming habits or those of someone close to you, visit the Responsible Gaming section for guidance, tools, and support information.

ph money provides the platform on an "as available" basis. While we work to maintain consistent uptime and performance, we do not guarantee uninterrupted access at all times. Scheduled maintenance, technical issues, or circumstances beyond ph money's control may temporarily affect availability.

To the extent permitted by applicable Philippine law, ph money is not liable for:

• Losses arising from interrupted or delayed access to the platform during a live event or game.
• Any loss of data, account information, or wager history caused by user device failure or network issues.
• Financial losses resulting from incorrect information provided during registration or verification.
• Decisions made by a user based on information provided in game history, statistics, or editorial content that does not constitute a guarantee of any outcome.

Nothing in these terms limits ph money's liability for fraud, death, personal injury caused by negligence, or any other liability that cannot be excluded under Philippine law.

You may request to close your ph money account at any time by contacting support. Before closure, any pending withdrawals will be processed according to standard procedures. Bonus balances that have not met the relevant wagering requirements will be forfeited on closure.

ph money reserves the right to close or suspend any account at its discretion, including where:

• The account holder has breached any provision of these terms.
• Fraudulent, deceptive, or prohibited activity is suspected or confirmed.
• Verification documents provided are found to be incomplete, inaccurate, or falsified.
• ph money is required to act by a regulatory authority, court order, or applicable law.

Where an account is closed by ph money due to a confirmed breach of these terms, any remaining balance may be withheld in accordance with the relevant provisions on prohibited conduct. ph money will provide written notice of closure and the reason where legally permitted to do so.

If you have a concern about a ph money transaction, game result, or account action, contact the support team as soon as possible with the relevant reference numbers and details. ph money aims to acknowledge all complaints promptly and resolve them within a reasonable timeframe.

ph money's decision on matters within its operational authority, including game settlement, bonus eligibility, and account status determinations, is final once the internal review process is complete. These terms are governed by and construed in accordance with the laws of the Republic of the Philippines.