ph25 Terms & Conditions

01 Acceptance of Terms

These Terms and Conditions ("Agreement") constitute a legally binding contract between you ("Player," "User," "you") and ph25 ("ph25," "we," "us," "the Operator"), the operator of the online gaming platform accessible at ph25.one and its associated subdomains and mobile interfaces.

By accessing, registering, or using any feature of the ph25 platform — including but not limited to account creation, depositing funds, placing wagers, participating in promotions, and contacting customer support — you acknowledge that you have read these Terms in full, that you understand them, and that you agree to be legally bound by them.

These Terms apply in conjunction with any additional policies published on ph25.one, including the Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference. In the event of any conflict between these Terms and a supplementary policy, these Terms shall prevail unless the supplementary policy expressly states otherwise.

02 Eligibility

To register and maintain a ph25 account, you must satisfy all of the following eligibility requirements at all times:

• You are a natural person aged 21 years or older at the time of registration and at all subsequent times you use the platform;
• You are a resident of the Philippines or are physically located in the Philippines at the time of accessing and using the ph25 platform;
• You are not a citizen or resident of any jurisdiction in which online gambling is prohibited, restricted, or requires a license not held by ph25;
• You are not currently subject to a self-exclusion order or cooling-off period on ph25 or any other PAGCOR-licensed gambling platform;
• You have full legal capacity to enter into a binding contract under Philippine law;
• You are not an employee, officer, director, contractor, or immediate family member of an employee or officer of ph25 or any of its game providers, technology partners, or associated entities.

ph25 reserves the right to conduct eligibility verification at any point and to suspend or close accounts found to be in breach of these requirements. Any winnings accrued by an ineligible player may be voided and withheld.

03 Account Registration

Each individual player may register and maintain only one (1) ph25 account. Multiple accounts per individual are strictly prohibited. Where ph25 identifies that a single individual has registered multiple accounts, ph25 may close all such accounts, void all associated balances, and retain any funds deposited in excess accounts in accordance with its anti-fraud and AML procedures.

When registering a ph25 account, you agree to provide accurate, complete, and current information, including your full legal name as it appears on a valid Philippine government-issued identification document, a valid and active Philippine mobile number, a valid email address, and your accurate date of birth. You agree to maintain and promptly update your registration information whenever it changes.

ph25 requires Know Your Customer ("KYC") verification before processing withdrawals above certain thresholds or at the Operator's discretion. Acceptable KYC documents include, but are not limited to: Philippine Identification System Card (PhilSys ID), Unified Multi-Purpose ID (UMID), Social Security System (SSS) Card, Driver's License, Passport, Voter's ID, and PRC Professional Regulation Commission ID.

04 Account Security

You are solely responsible for maintaining the security and confidentiality of your ph25 login credentials, including your username, password, and any two-factor authentication methods linked to your account. You must not share your credentials with any other person under any circumstances.

ph25 will never ask you for your password or one-time password (OTP) by any means — including via customer support chat, email, SMS, or telephone. Any communication purporting to be from ph25 and requesting your password or OTP should be treated as fraudulent and reported to ph25 immediately.

You must notify ph25 immediately upon becoming aware of, or reasonably suspecting, any unauthorized access to or use of your account. ph25 shall not be liable for any losses resulting from unauthorized account access caused by your failure to maintain adequate security over your credentials. You acknowledge that all transactions conducted using your credentials are deemed to have been made by you unless you have notified ph25 of a security breach.

05 Deposits & Payments

All financial transactions on the ph25 platform are denominated in Philippine Peso (PHP / ₱). ph25 accepts deposits via GCash, PayMaya (Maya), BDO Internet Banking, BPI Online, and Metrobank Online Transfer. Available payment methods may change and are displayed in your ph25 account dashboard at the time of deposit.

The minimum deposit amount is ₱100 per transaction. Maximum deposit limits vary by payment method and account tier and are displayed at the time of transaction. Deposits are credited to your ph25 account balance upon confirmed receipt; GCash and PayMaya deposits typically reflect within seconds.

• All funds deposited must originate from a payment account registered in your own name. ph25 does not accept third-party deposits.
• ph25 does not accept cash deposits, cryptocurrency, or any payment method not explicitly listed as accepted on the platform.
• ph25 reserves the right to conduct source-of-funds verification on deposits of significant amounts as part of its AML compliance obligations under Philippine law.
• Deposits that cannot be verified or that are received from an unrecognized source may be suspended pending investigation and returned to the originating account.

06 Withdrawals

Withdrawal requests may be submitted at any time from your ph25 account balance, subject to the following conditions:

• Your account must have completed KYC verification before any withdrawal is processed;
• The minimum withdrawal amount is ₱200 per transaction;
• Withdrawals may only be made to a payment account registered in your own name — matching the name on your ph25 account;
• Standard GCash and PayMaya withdrawal requests are typically processed within 1–3 business hours; bank transfer withdrawals are typically processed within 1 business day;
• ph25 does not charge a standard fee on withdrawal requests; however, your payment provider may apply their own processing charges;
• Withdrawal requests may be held for review where ph25's compliance or fraud teams identify unusual activity, pending AML verification, or where a bonus wagering requirement has not been completed.

07 Bonuses & Promotions

ph25 offers promotional bonuses and incentives to eligible players from time to time. All bonuses are subject to specific terms, which will be published alongside each promotional offer. The following general bonus terms apply across all ph25 promotions unless a specific promotion's terms expressly state otherwise:

• Wagering Requirements: Bonus funds credited to your ph25 account are subject to a wagering requirement before they may be withdrawn. The applicable wagering multiplier will be stated clearly in the promotion's specific terms. Only wagers placed with bonus funds count toward the wagering requirement, unless stated otherwise.
• Eligible Games: Not all games contribute equally toward bonus wagering requirements. Contribution rates by game type are specified in each promotion's terms. Live casino games may have reduced contribution rates. Certain games may be excluded entirely.
• Expiry: Bonus funds and associated wagering requirements expire within the timeframe stated in the promotion's specific terms. Expired bonus funds are forfeited without compensation.
• Bonus Abuse: ph25 reserves the right to void bonuses, forfeit associated winnings, and close accounts where evidence of bonus abuse, multi-accounting, arbitrage wagering, or exploitation of technical errors is identified.
• One Bonus at a Time: Players may not hold more than one active bonus concurrently unless ph25 explicitly states otherwise in a specific promotion.
• Modification and Withdrawal: ph25 reserves the right to amend, suspend, or terminate any promotion at any time with reasonable notice. Changes will not affect bonuses already credited to player accounts prior to notification.

Players who have made a withdrawal request before completing bonus wagering requirements will have their bonus and bonus-derived winnings removed from their account prior to processing the withdrawal.

08 Gameplay & Wagering Rules

All games available on the ph25 platform are provided by licensed game content providers whose Random Number Generators (RNGs) have been independently tested and certified for fairness. Live dealer games are conducted with verified equipment and certified shuffle procedures.

Game-specific rules, house edge information, and Return to Player (RTP) percentages are available within each game's information panel in the ph25 lobby. Players are responsible for reviewing these rules before wagering.

• Wagers are final once confirmed. ph25 will not void, reverse, or refund a confirmed wager due to a player's change of mind.
• In the event of a disconnection during a live game round, the wager already placed will stand and the game result will be recorded based on the actual game outcome. ph25 is not liable for connection failures caused by a player's internet service, device, or network.
• Where a technical error affects game outcome integrity — such as a software fault that produces an incorrect result — ph25 reserves the right to void all wagers on the affected round and refund stakes to players' account balances.
• ph25 reserves the right to limit the stake amounts, game access, or win amounts available to any individual player, including imposing lower limits on accounts identified as placing wagers inconsistent with recreational gambling behavior.
• Minimum and maximum bet limits are displayed within each game and may vary by game type, account tier, and VIP status.

09 Prohibited Conduct

The following conduct is strictly prohibited on the ph25 platform:

• Registering more than one (1) ph25 account, whether using the same or different personal information;
• Providing false, forged, or third-party personal information during registration or KYC verification;
• Depositing funds originating from proceeds of crime, including but not limited to fraud, theft, or drug trafficking, in violation of the Philippine Anti-Money Laundering Act (AMLA);
• Using automated software, bots, scripts, or any artificial means to interact with games, exploit timing patterns, or circumvent game mechanics;
• Colluding with other players in live games to gain an unfair advantage;
• Exploiting software bugs, glitches, or system errors for financial gain — any winnings derived from exploitation of known or undisclosed errors will be voided;
• Abusing bonuses through systematic exploitation, including but not limited to: matched betting using multiple accounts, deposit-and-withdrawal cycling to meet wagering requirements, or structuring wagers to artificially reduce variance;
• Accessing ph25 from a jurisdiction where online gambling is legally prohibited;
• Attempting to hack, reverse-engineer, or compromise the security of the ph25 platform or its associated systems;
• Using offensive, abusive, threatening, or discriminatory language toward ph25 staff, dealers, or other players in any communication channel.

10 Responsible Gaming

ph25 is committed to responsible gaming and the prevention of gambling-related harm. The platform provides tools designed to help players manage their gambling behavior, including but not limited to:

• Deposit Limits: Players may set daily, weekly, or monthly deposit caps via their account settings. Once set, a limit reduction takes effect immediately; a limit increase requires a 24-hour cooling-off period before activation.
• Loss Limits: Players may set daily, weekly, or monthly loss caps. A loss limit is triggered when cumulative net losses within the applicable period reach the set threshold.
• Time Limits and Session Reminders: Players may set session time reminders to be notified when they have been logged in for a specified duration.
• Reality Check: Players may enable a periodic pop-up that shows time elapsed and net position for the current session.
• Cooling-Off Period: A temporary account suspension for a period of 24 hours to 6 weeks, during which no deposits or wagers may be made. The account remains accessible for withdrawal purposes.
• Self-Exclusion: Players who wish to permanently or semi-permanently stop gambling on ph25 may request self-exclusion for a minimum period of 6 months or permanently. Self-exclusion cannot be reversed during the elected period.

ph25 complies with PAGCOR's responsible gaming requirements, including the exclusion of underage players and the maintenance of a player protection program. For external support, players may contact the PAGCOR Player's Protection Program directly. Further information is available on our Responsible Gaming page.

11 Intellectual Property

All content on the ph25 platform — including but not limited to the ph25 name, logo, trademarks, game graphics, software, text, databases, audio, video, and the overall look and feel of the platform — is owned by or licensed to ph25 and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the ph25 platform solely for your personal, non-commercial gambling entertainment, subject to your compliance with these Terms. You may not copy, reproduce, distribute, adapt, display, transmit, sell, license, reverse-engineer, or otherwise exploit any ph25 content without express prior written permission from ph25.

12 Limitation of Liability

To the fullest extent permitted by applicable Philippine law, ph25 shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of, or inability to use, the ph25 platform, including without limitation:

• Loss of profits, revenue, or anticipated savings;
• Loss of data or corruption of data;
• Losses arising from system downtime, technical faults, or scheduled maintenance;
• Losses arising from your use of third-party payment services including GCash or PayMaya outages;
• Losses arising from unauthorized access to your account resulting from your failure to maintain adequate credential security.

Nothing in these Terms limits ph25's liability for fraud, willful misconduct, or gross negligence by ph25, or for any liability that cannot be limited or excluded under Philippine consumer protection law.

13 Suspension & Termination

ph25 reserves the right to suspend or permanently close your account, with or without prior notice, in the following circumstances:

• Violation of any provision of these Terms;
• Failure to complete KYC verification within the required timeframe;
• Receipt of a chargeback or payment dispute by you or your payment provider;
• Suspected fraud, money laundering, or collusion;
• Regulatory direction or legal obligation;
• Your voluntary request for self-exclusion or account closure.

Upon termination for cause under these Terms, ph25 reserves the right to retain account balances to cover any outstanding obligations, disputed charges, or penalties arising from the breach. Where an account is closed for reasons unrelated to a breach by you, your available balance will be returned to your registered payment account within a reasonable timeframe.

14 Dispute Resolution

If you have a complaint or dispute related to your ph25 account or any transaction, you should in the first instance contact ph25 Customer Support via the in-platform live chat. ph25 aims to resolve all support inquiries within 24 hours for standard matters and within 72 hours for complex financial disputes.

If your complaint is not resolved to your satisfaction through customer support, you may escalate the matter in writing to ph25's formal complaints process, the details of which are available in your ph25 account settings. ph25 will issue a final position on formal complaints within 14 calendar days of receipt.

If a dispute remains unresolved after ph25's internal complaints process has been exhausted, players may refer their complaint to PAGCOR's Player Protection Program as the relevant regulatory authority. ph25 cooperates fully with PAGCOR in the resolution of player complaints.

15 Amendments to These Terms

ph25 reserves the right to amend these Terms & Conditions at any time. Material amendments will be communicated to registered players via in-platform notification and/or email to your registered address at least 14 calendar days before the amended Terms take effect.

Your continued use of the ph25 platform after the effective date of any amended Terms constitutes your acceptance of the updated Terms. If you do not accept an amendment, you must notify ph25 of your objection before the effective date and cease using the platform; ph25 will process any outstanding balance due to you in accordance with the then-current withdrawal procedures.

Non-material amendments — such as corrections of typographical errors, formatting changes, or clarifications that do not affect your rights or obligations — may be made without prior notice and take effect immediately upon publication.

16 Governing Law & Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to the Presidential Decree No. 1869 (PAGCOR Charter, as amended), Republic Act No. 9487, the Data Privacy Act of 2012 (Republic Act No. 10173), and the Anti-Money Laundering Act (Republic Act No. 9160, as amended).

The parties submit to the exclusive jurisdiction of the competent courts of the Philippines for the resolution of any dispute arising from or in connection with these Terms that is not resolved through the dispute resolution process described in Section 14.

ph25 is operated under a license issued by the Philippine Amusement and Gaming Corporation (PAGCOR). The ph25 platform is intended solely for use by individuals located within the Philippines or in jurisdictions where access to and use of the ph25 platform is lawful.