ph91 Terms &
Conditions of Use

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1. Acceptance of Terms

These Terms and Conditions ("Agreement") constitute a legally binding contract between you ("Player," "User," or "you") and ph91 ("ph91," "we," "us," or "our"), the operator of the online gaming platform accessible at ph91.net. By accessing, registering on, or using any part of the ph91 platform — including its website, mobile interface, games, promotions, and customer support services — you acknowledge that you have read, understood, and agree to be bound by this Agreement in its entirety.

If you do not agree with any provision of these Terms and Conditions, you must immediately cease using the ph91 platform and close your account. Your continued use of ph91 following any modification to these terms constitutes your acceptance of the revised Agreement.

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2. Eligibility & Registration

To register and maintain an account on ph91, you must satisfy all of the following eligibility requirements at the time of registration and on a continuing basis throughout your use of the platform:

• You must be at least 21 years of age, in compliance with PAGCOR regulations and applicable Philippine law governing online gaming.
• You must be a natural person — corporate entities, trusts, and other legal structures may not register as players.
• You must be accessing ph91 from a jurisdiction where online gaming is lawful. It is your sole responsibility to determine whether your use of ph91 is legal in your location.
• You must not be listed on any self-exclusion register maintained by ph91 or any affiliated gaming operator.
• You must not be an employee, contractor, director, or immediate family member of ph91 or any of its affiliated game providers, unless prior written consent has been obtained.
• You must provide accurate, complete, and current personal information during registration, including your full legal name, date of birth, residential address, and valid contact details.

2.1 Identity Verification (KYC)

ph91 is required to conduct Know Your Customer (KYC) verification in accordance with applicable anti-money laundering (AML) regulations and PAGCOR compliance requirements. You may be required to submit one or more of the following documents at any time:

• Government-issued photo identification (e.g., Philippine passport, SSS ID, PhilSys National ID, driver's license, or UMID card)
• Proof of residential address dated within the last three (3) months (e.g., utility bill, bank statement, or barangay certificate)
• Proof of payment method ownership (e.g., screenshot of GCash account showing your registered name)
• Source of funds documentation where required by ph91's compliance team

ph91 reserves the right to suspend withdrawals, restrict gameplay, or close an account pending completion of KYC verification. Failure to provide requested documentation within a reasonable timeframe may result in permanent account closure and forfeiture of any bonus balances.

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3. Account Management

3.1 Single Account Policy

Each player is permitted to hold only one (1) active ph91 account. Opening multiple accounts — whether under the same or different personal details — is strictly prohibited. ph91 employs technical and manual verification methods to detect duplicate accounts. Where duplicate accounts are identified, ph91 reserves the right to close all associated accounts, void any pending bets, and forfeit any bonus balances without prior notice.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your ph91 username and password. You must not share your login credentials with any third party. ph91 will treat any activity conducted through your account as having been authorized by you. If you suspect unauthorized access to your account, you must notify ph91 support immediately via live chat or email.

ph91 will never ask for your password via email, live chat, or any other communication channel. Any communication purporting to be from ph91 that requests your password should be treated as fraudulent and reported immediately.

3.3 Account Accuracy

You are required to keep your account information accurate and up to date at all times. Any change in your name, address, contact number, or payment method must be reported to ph91 support promptly. ph91 reserves the right to request re-verification of your identity following any material change to your account details.

3.4 Dormant Accounts

An account is considered dormant if there has been no login activity for a continuous period of twelve (12) months. ph91 reserves the right to apply an administrative fee to dormant accounts in accordance with its prevailing dormancy policy, provided that the account balance is sufficient to cover such fees. Players will be notified before any dormancy fee is applied.

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4. Deposits & Withdrawals

4.1 Accepted Payment Methods

ph91 accepts deposits and processes withdrawals through the following payment channels: GCash, PayMaya, BPI Online, BDO Online Banking, and Metrobank Online. ph91 does not accept cash deposits, cryptocurrency, or payments from third-party accounts not registered in your name.

4.2 Deposit Terms

• Minimum deposit amount: ₱100 (subject to change; refer to the cashier page for current limits).
• Deposits are credited to your ph91 account in real time or within a few minutes, depending on the payment provider.
• ph91 does not charge fees on deposits; however, your payment provider may apply their own transaction charges.
• ph91 reserves the right to reject any deposit that cannot be verified or that appears to originate from a payment method not registered in your name.

4.3 Withdrawal Terms

• Minimum withdrawal amount: ₱200 (subject to change; refer to the cashier page for current limits).
• Withdrawals are processed to the same payment method used for the most recent deposit, where technically possible.
• GCash withdrawals are typically processed within 15 minutes of approval. Bank transfers (BPI, BDO, Metrobank) may take one (1) to three (3) business days.
• ph91 reserves the right to conduct additional verification checks before processing any withdrawal request. This may include requesting KYC documents, source of funds declarations, or confirmation of payment method ownership.
• Withdrawals will not be processed to third-party accounts under any circumstances.

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5. Bonuses & Promotions

ph91 offers various bonuses and promotional offers to eligible players from time to time. All bonuses are subject to the specific terms and conditions published alongside each offer, in addition to the general bonus terms set out in this section.

• Bonuses are available to eligible registered players only. ph91 reserves the right to determine eligibility at its sole discretion.
• Each bonus offer will specify its applicable wagering requirement (also referred to as a "playthrough requirement"). This is the number of times the bonus amount — or the bonus plus deposit amount, as specified — must be wagered before a withdrawal can be requested.
• Wagering requirements must be met within the validity period stated in the bonus terms. Bonuses that expire before wagering requirements are met will be removed from the account without compensation.
• ph91 reserves the right to withdraw, modify, or cancel any bonus offer at any time without prior notice.
• Bonuses may not be transferred between accounts or exchanged for cash outside of the applicable wagering conditions.
• Any attempt to abuse the bonus system — including but not limited to creating multiple accounts to claim bonuses, using automated betting strategies to meet wagering requirements with minimal risk, or colluding with other players — will result in immediate account suspension and forfeiture of all bonus and associated winnings.

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6. Gameplay Rules

All games available on the ph91 platform are governed by the individual game rules published within each game interface, in addition to the general gameplay terms set out here.

• ph91 uses certified Random Number Generator (RNG) systems provided by its licensed game suppliers. Game outcomes are determined independently and cannot be influenced by ph91 or any player.
• In the event of a technical malfunction during a game round, ph91 reserves the right to void the affected round and return the wagered amount to the player's account. ph91 is not liable for any losses arising from technical failures beyond its reasonable control.
• Bets placed and accepted by the ph91 system are final. ph91 will not reverse a bet once it has been confirmed, except in cases of manifest error or technical malfunction.
• ph91 reserves the right to void any bet placed at incorrect odds or on an event that was incorrectly listed due to a manifest error. In such cases, the wagered amount will be returned to the player's account.
• Live casino games are subject to the rules of the specific game variant being played, as communicated by the live dealer and displayed on screen. In the event of a dispute, the decision of ph91's compliance team is final.

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7. Prohibited Conduct

The following conduct is strictly prohibited on the ph91 platform. Engaging in any of the following may result in immediate account suspension, permanent ban, forfeiture of balances, and referral to relevant law enforcement authorities:

• Registering more than one account, or registering on behalf of another person without their explicit consent.
• Providing false, misleading, or fraudulent information during registration or at any point during the KYC process.
• Using the ph91 platform for any money laundering activity, or depositing funds derived from illegal sources.
• Using automated software, bots, scripts, or any artificial intelligence tools to interact with the ph91 platform in a manner not intended for human players.
• Exploiting software bugs, glitches, or errors in the ph91 platform for financial gain. Any such exploitation must be reported to ph91 support immediately.
• Colluding with other players in live casino games, poker, or any other multiplayer game format.
• Engaging in any form of harassment, abusive language, or threatening behavior toward ph91 staff or other players.
• Attempting to access the ph91 platform from a jurisdiction where online gaming is prohibited by law.
• Charging back or reversing any deposit made to your ph91 account through your payment provider without first raising the matter with ph91 support.

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8. Intellectual Property

All content on the ph91 platform — including but not limited to the ph91 brand name, logo, website design, game interfaces, graphics, text, software, and promotional materials — is the exclusive intellectual property of ph91 or its licensed content providers. All rights are reserved.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the ph91 platform for personal, non-commercial gaming purposes only. This license does not permit you to:

• Copy, reproduce, distribute, or publicly display any ph91 content without prior written authorization.
• Modify, adapt, translate, or create derivative works based on ph91 content.
• Use ph91's brand name, logo, or trademarks in any manner that implies endorsement or affiliation without written consent.
• Reverse engineer, decompile, or disassemble any software used in the ph91 platform.

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9. Limitation of Liability

To the fullest extent permitted by applicable Philippine law, ph91 shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — the ph91 platform, including but not limited to:

• Loss of funds resulting from unauthorized access to your account due to your failure to maintain the security of your login credentials.
• Interruption, suspension, or termination of the ph91 platform due to technical issues, maintenance, or circumstances beyond ph91's reasonable control.
• Losses arising from reliance on information published on the ph91 platform, including odds, game statistics, or promotional content.
• Delays in deposit crediting or withdrawal processing caused by third-party payment providers, including GCash, PayMaya, BPI, BDO, or Metrobank.

ph91's total aggregate liability to any player in connection with any claim arising from these Terms and Conditions shall not exceed the total amount deposited by that player in the thirty (30) days preceding the event giving rise to the claim.

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10. Responsible Gaming

ph91 is committed to promoting responsible gaming practices among all players. We recognize that for some individuals, gambling can become problematic, and we take our duty of care seriously.

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits through their account settings. Once set, limits take effect immediately and cannot be increased for a cooling-off period of at least 24 hours.
• Session Time Reminders: Players may configure session time reminders that alert them after a specified period of continuous play.
• Cooling-Off Periods: Players may request a temporary suspension of their account for a period of their choosing. During a cooling-off period, the account cannot be used for any gaming activity.
• Self-Exclusion: Players who wish to permanently exclude themselves from ph91 may submit a self-exclusion request to ph91 support. Self-exclusion is irrevocable for the minimum period selected and will be enforced across all ph91 products.
• Age Verification: ph91 enforces a strict 21+ age requirement. Any account found to belong to a person under 21 years of age will be immediately closed and all deposits returned.

If you believe your gambling is becoming a problem, we encourage you to use the responsible gaming tools available in your ph91 account settings and to seek support from qualified organizations. ph91 supports the responsible gaming framework established by PAGCOR for the Philippine market.

For more information on responsible gaming tools and resources available to you, please visit the ph91 Responsible Gaming page.

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11. Termination & Account Closure

11.1 Closure by Player

You may close your ph91 account at any time by contacting ph91 support via live chat or email. Upon closure, any real money balance remaining in your account (excluding bonus funds that have not met wagering requirements) will be returned to you via your registered payment method, subject to completion of any outstanding KYC verification.

11.2 Closure by ph91

ph91 reserves the right to suspend, restrict, or permanently close any account at its sole discretion, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms and Conditions.
• Failure to complete KYC verification within a reasonable timeframe.
• Suspected fraudulent activity, money laundering, or use of the platform for illegal purposes.
• Provision of false or misleading information during registration or verification.
• Conduct that ph91 reasonably believes poses a risk to the integrity of the platform or to other players.

Where an account is closed by ph91 due to a breach of these Terms and Conditions, ph91 reserves the right to forfeit any bonus balances and, where fraud or illegal activity is confirmed, to withhold real money balances pending investigation and referral to relevant authorities.

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12. Governing Law & Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

In the event of any dispute arising from or in connection with these Terms and Conditions or your use of the ph91 platform, you agree to first attempt to resolve the matter informally by contacting ph91 support. ph91 will endeavor to respond to all formal complaints within five (5) business days.

If a dispute cannot be resolved informally, both parties agree to submit to the exclusive jurisdiction of the competent courts of the Republic of the Philippines. ph91 operates within the regulatory framework established by PAGCOR, and certain disputes may be subject to PAGCOR's dispute resolution procedures.

12.1 Amendments to These Terms

ph91 reserves the right to amend, update, or replace these Terms and Conditions at any time. Material changes will be communicated to registered players via email or an in-platform notification at least seven (7) days before taking effect, where practicable. Your continued use of ph91 after the effective date of any amendment constitutes your acceptance of the revised terms.

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13. Contact Information

If you have any questions, concerns, or complaints regarding these Terms and Conditions or your use of the ph91 platform, please contact our support team through the following channels:

• Live Chat: Available 24/7 through the ph91 platform. Average response time is under 2 minutes.
• Email: [email protected] — responses within 24 hours on business days.

ph91 is committed to resolving all player concerns fairly and promptly. Our support team is staffed by professionals who understand the Philippine gaming context and can assist in English.