ph91 Casino Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," "you") and ph91 ("ph91," "we," "us," "our"), the operator of the online gaming platform accessible at ph91.vip ("Platform"). ph91 is licensed and regulated by the Philippine Amusement and Gaming Corporation (PAGCOR) and operates in compliance with applicable Philippine gaming laws and regulations.

By registering an account, accessing the Platform, or placing any wager, you acknowledge that you have read, understood, and unconditionally agreed to these Terms in their entirety, including the Privacy Policy, Responsible Gaming Policy, and any game-specific rules published on the Platform. If you do not agree with any part of these Terms, you must immediately cease use of the Platform and close your account.

ph91 reserves the right to amend these Terms at any time. Material changes will be communicated to registered users via the email address or mobile number on file. Continued use of the Platform after the effective date of any amendment constitutes acceptance of the revised Terms.

2. Eligibility

2.1 Age Requirement

The ph91 Platform is restricted exclusively to individuals who are twenty-one (21) years of age or older, as mandated by PAGCOR regulations and applicable Philippine law governing casino-style gaming. Registration, account creation, and wagering by persons under 21 is strictly prohibited.

2.2 Geographic Restriction

The Platform is operated and licensed for use within the Republic of the Philippines. Players must be physically located in an eligible jurisdiction under PAGCOR's regulatory framework at the time of play. ph91 makes no representation that the Platform is lawful or available for use in jurisdictions outside the Philippines. It is the Player's sole responsibility to ensure compliance with local laws.

2.3 Disqualified Persons

The following persons are not eligible to register or maintain an account on ph91:

• Persons under 21 years of age;
• Persons on PAGCOR's exclusion list or any self-exclusion register maintained by ph91;
• Employees, contractors, agents, or immediate family members of ph91 or its affiliated companies, game providers, or payment processors;
• Persons using VPN, proxy, or other circumvention tools to access the Platform from restricted jurisdictions;
• Any person who has been notified in writing by ph91 that they are barred from the Platform.

3. Account Registration

3.1 One Account Per Player

Each Player is permitted to maintain only one (1) registered account on the ph91 Platform. The creation of duplicate or multiple accounts — whether under the same identity, different names, different mobile numbers, or any other method — constitutes a material breach of these Terms. Upon discovery of duplicate accounts, ph91 reserves the right to immediately suspend or permanently close all associated accounts and confiscate any balances or bonuses therein, without liability to the Player.

3.2 Accurate Information

Players must provide accurate, current, and complete information during registration, including legal full name, date of birth, Philippine mobile number, and any additional information required for identity verification. Providing false, misleading, or fraudulent registration information is a breach of these Terms and may constitute a violation of applicable Philippine law.

3.3 Know Your Customer (KYC) Verification

ph91 is required under PAGCOR regulations and Bangko Sentral ng Pilipinas (BSP) Anti-Money Laundering guidelines to conduct identity verification. Players may be required to submit government-issued identification (e.g., Philippine passport, UMID, SSS ID, driver's license), proof of address, and source of funds documentation at ph91's discretion, particularly prior to processing withdrawals above specified thresholds. Failure to provide requested documents within a reasonable time may result in account suspension and withholding of pending withdrawals pending compliance review.

3.4 Account Security

Players are solely responsible for maintaining the confidentiality of their login credentials. ph91 will not be held liable for any losses resulting from unauthorized account access caused by a Player's failure to protect their credentials. Players must notify ph91 customer support immediately upon becoming aware of any unauthorized access to their account.

4. Deposits & Payments

ph91 accepts deposits in Philippine Peso (PHP) only via supported payment methods including GCash, Maya (PayMaya), BPI, BDO, UnionBank, Metrobank, 7-Eleven Cliqq, USDT TRC20, and Coins.ph, subject to availability and applicable transaction limits at the time of deposit.

• The minimum deposit amount is ₱100, unless otherwise specified for a particular payment method.
• Deposits are credited to the Player's ph91 wallet upon confirmation from the payment provider. Delays caused by the payment provider's processing systems are outside ph91's control.
• ph91 does not charge fees on deposits. Players should verify whether their payment provider imposes its own transaction fees.
• All funds deposited into a ph91 account must originate from a payment method registered in the Player's own name. Third-party deposits are prohibited and may trigger an account review.
• ph91 reserves the right to request proof of ownership for any payment method used to deposit funds.

5. Withdrawals

Players may request withdrawal of cleared real-money funds (excluding uncleared bonus amounts subject to wagering requirements) at any time, subject to the following conditions:

• The minimum withdrawal amount is ₱200.
• Withdrawals will be processed to the same payment method used for the most recent deposit where practicable, as an anti-money laundering control.
• KYC verification must be completed before any withdrawal above applicable thresholds is processed.
• GCash and Maya withdrawals are typically processed within 5–30 minutes during business hours. Bank transfers are typically processed within the same business day.
• ph91 reserves the right to impose a 48-hour security review period on withdrawal requests that trigger risk or fraud monitoring systems, without liability to the Player.
• In the event of a system error, payment processor failure, or erroneous credit to a Player's account, ph91 reserves the right to reverse or adjust the affected transaction and recover any funds erroneously paid.

6. Bonuses & Promotions

ph91 offers various bonuses and promotions to eligible players. All bonuses are subject to the following general terms in addition to any promotion-specific terms communicated at the time of the offer:

6.1 Wagering Requirements

Bonus funds are subject to wagering requirements before they can be converted to withdrawable real-money funds. The applicable wagering multiplier will be specified for each promotion. For example, a 30x wagering requirement on a ₱1,000 bonus requires the Player to wager a total of ₱30,000 before the bonus balance becomes withdrawable.

6.2 Bonus Eligibility

ph91 reserves the right to determine bonus eligibility at its sole discretion. Bonuses are intended for personal entertainment purposes only. Any Player found to be exploiting bonus terms through coordinated play, arbitrage strategies, or abuse of promotional mechanics will have their bonus revoked and may have their account suspended.

6.3 One Bonus Per Household

Unless otherwise stated, welcome bonuses and first-deposit promotions are limited to one per household, IP address, device, and verified identity. Players found to be claiming multiple welcome offers across duplicate accounts will forfeit all bonuses and any associated winnings.

6.4 Expiry

Bonus funds that are not used or do not meet wagering requirements within the specified validity period will expire and be removed from the Player's account without compensation.

7. Gaming Rules

All games available on the ph91 Platform are governed by individual game rules accessible within each game interface. In the event of a conflict between game-specific rules and these general Terms, the game-specific rules shall prevail for matters directly related to game mechanics and payouts.

• All RNG (Random Number Generator) based games on ph91 use certified and independently audited RNG systems. Game outcomes are random and cannot be predicted or manipulated.
• ph91 is not responsible for interrupted gaming sessions caused by internet connectivity issues on the Player's end. Wagers placed before disconnection are recorded and treated as valid.
• In the event of a game malfunction, round error, or technical fault that affects game integrity, ph91 reserves the right to void affected rounds and refund the original wager amounts to the Players' accounts.
• Minimum and maximum bet limits for each game are displayed within the game interface and are subject to change without prior notice.

8. Prohibited Conduct

The following activities are strictly prohibited on the ph91 Platform and constitute grounds for immediate account suspension and forfeiture of funds:

• Providing false identity information or impersonating another person during registration or KYC;
• Using software, bots, scripts, or artificial intelligence tools to automate game play or gain unfair advantage;
• Colluding with other players in live dealer or multiplayer games;
• Exploiting software errors, bugs, or vulnerabilities for financial gain — Players who discover a bug must report it to support immediately rather than exploiting it;
• Money laundering, structuring transactions to evade reporting thresholds, or any activity that violates the Republic Act 9160 (Anti-Money Laundering Act) as amended;
• Conducting chargebacks on valid, legitimate deposits in bad faith;
• Using a VPN, proxy, or other geolocation masking tool to circumvent jurisdiction restrictions;
• Accessing the Platform while enrolled in ph91's self-exclusion program or PAGCOR's exclusion list;
• Any conduct that ph91 reasonably determines to be fraudulent, harmful, or detrimental to the Platform or other players.

9. Privacy & Data

ph91's collection, use, storage, and protection of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms. By registering an account, you consent to the processing of your personal data as described in the Privacy Policy. ph91 collects and processes personal data in compliance with the Republic Act 10173 (Data Privacy Act of 2012) and relevant PAGCOR data protection requirements.

ph91 implements 256-bit SSL encryption for all data transmissions between the Player's device and our servers. Player account information, transaction records, and KYC documents are stored on secure, access-controlled servers with restricted staff access. ph91 does not sell personal data to third parties for marketing purposes.

10. Intellectual Property

All content on the ph91 Platform, including but not limited to software, game interfaces, graphics, text, logos, trademarks, and databases, is the exclusive intellectual property of ph91 or its licensed game providers and is protected under applicable Philippine intellectual property laws.

Players are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal, non-commercial entertainment purposes. Any reproduction, redistribution, modification, or commercial use of Platform content without ph91's prior written consent is strictly prohibited.

11. Limitation of Liability

To the maximum extent permitted by applicable Philippine law, ph91 shall not be liable for:

• Any loss of winnings, profits, revenue, data, or goodwill arising from use of the Platform;
• Indirect, incidental, consequential, or punitive damages arising from Platform use;
• Temporary unavailability of the Platform due to scheduled or emergency maintenance;
• Losses arising from unauthorized account access caused by a Player's failure to secure their credentials;
• Internet connectivity failures, device compatibility issues, or third-party service disruptions outside ph91's direct control.

ph91's total aggregate liability to any Player for any claim arising under these Terms shall not exceed the total amount deposited by that Player in the 30-day period immediately preceding the date of the claim. Nothing in these Terms limits ph91's liability for fraud, gross negligence, or any liability that cannot be excluded under Philippine law.

12. Suspension & Termination

ph91 reserves the right to suspend, restrict, or permanently close a Player's account at any time, with or without prior notice, if ph91 reasonably determines that:

• The Player has violated any provision of these Terms;
• The Player's account shows signs of fraudulent, collusive, or money laundering activity;
• The Player has provided false information during registration or KYC;
• The Player's account poses a regulatory, legal, or reputational risk to ph91;
• The Player has requested self-exclusion or has been placed on PAGCOR's exclusion registry.

In the event of account closure due to a Player's breach of these Terms, ph91 reserves the right to withhold funds pending investigation. Where no breach is established, available real-money balances (excluding bonus funds subject to incomplete wagering requirements) will be returned to the Player via their registered payment method following standard KYC verification.

Players may request voluntary account closure at any time by contacting ph91 customer support. Voluntary closure requests will be processed within 5 business days, with real-money balances refunded to verified payment methods.

13. Responsible Gaming

ph91 is committed to promoting responsible gaming among all Filipino players. ph91 complies with PAGCOR's responsible gaming requirements and offers the following player protection tools, accessible from the account dashboard after login:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits. Limits take effect immediately when reduced and require a 7-day cooling period before increases take effect.
• Session Time Limits & Reality Checks: Players may configure session duration alerts that notify them of time elapsed during a gaming session.
• Cool-Off Periods: Players may request a temporary account restriction for periods of 24 hours, 7 days, 30 days, or 90 days.
• Self-Exclusion: Players may request permanent or long-term self-exclusion from the ph91 Platform. Self-exclusion requests are processed within 24 hours and cannot be reversed during the elected exclusion period.

If you believe that your gambling is causing financial, emotional, or personal harm, please contact ph91's support team immediately or visit our Responsible Gaming page for support resources. All ph91 services are restricted to persons aged 21 and above. ph91 reserves the right to request age verification documents at any time.

14. Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles. Any dispute that cannot be resolved amicably shall be submitted to the exclusive jurisdiction of the appropriate courts of the Philippines, or to PAGCOR dispute resolution processes where applicable under the Player's PAGCOR-regulated gaming rights.

Nothing in these Terms shall affect the statutory rights of consumers under applicable Philippine consumer protection laws, including the Consumer Act of the Philippines (Republic Act 7394).

15. Changes to Terms

ph91 reserves the right to modify, update, or replace these Terms at any time at its sole discretion. Material changes — including changes that affect Player rights, bonus eligibility, withdrawal procedures, or account security requirements — will be communicated to registered Players via:

• A prominent notice on the Platform login page;
• Email or SMS notification to the address or mobile number registered on the Player's account;
• An in-account notification visible upon the Player's next login after the effective date of changes.

Unless otherwise specified, amended Terms take effect seven (7) days after the date of notification. Players who do not agree with the revised Terms must cease using the Platform and contact support to close their account before the effective date. Continued use of the Platform after the effective date constitutes unconditional acceptance of the revised Terms.

For any questions regarding these Terms and Conditions, please contact ph91 customer support. All support inquiries are handled by Filipino-speaking agents available 24 hours a day, 7 days a week.