phmac Terms & Conditions

1Definitions

In these Terms & Conditions, the following terms carry the meanings set out below unless the context clearly requires otherwise:

• "phmac" / "we" / "us" / "our" — refers to the phmac online gaming platform, its operators, and all associated entities responsible for delivering the platform and services described herein.
• "Platform" — means the phmac website accessible at phmac.net, including all subdomains, mobile-optimised versions, and any associated applications or interfaces through which phmac services are delivered.
• "Player" / "you" / "your" — refers to any individual who accesses, browses, registers on, or uses the phmac platform in any capacity.
• "Account" — the registered phmac player account created by an individual to access real-money gaming and other platform features.
• "Real Money Balance" — funds deposited by the player into their phmac account using supported Philippine payment methods, available for wagering and withdrawal subject to applicable conditions.
• "Bonus Balance" — promotional credits, free spins value, or other non-cash incentives issued to a player's account subject to wagering requirements and promotion-specific terms.
• "KYC" — Know Your Customer verification, the process by which phmac confirms a player's identity, age, and eligibility to use the platform.
• "PAGCOR" — the Philippine Amusement and Gaming Corporation, the government body responsible for regulating gaming activities in the Philippines.
• "Prohibited Jurisdiction" — any country, territory, or region from which access to and use of the phmac platform is restricted or prohibited by applicable law.
• "Wager" / "Bet" — any real-money stake placed by a player on a game or sporting event through the phmac platform.

2Acceptance of Terms

These Terms & Conditions constitute a legally binding agreement between you and phmac. By completing the account registration process on the phmac platform, you expressly acknowledge that you have read and understood these terms in full and that you agree to be bound by them.

phmac reserves the right to amend, update, or supplement these Terms & Conditions at any time and without prior notice, except where applicable law requires notification. Where changes are material, phmac will endeavour to notify registered players through email, in-platform messaging, or a prominent notice on the platform homepage.

If you disagree with any amended terms, your sole remedy is to close your phmac account and cease using the platform. To close your account, contact the phmac support team at [email protected].

3Eligibility & Age Requirement

Use of the phmac platform is subject to strict eligibility requirements. You may only register an account and use phmac services if all of the following conditions are met:

• You are at least 21 years of age — the minimum legal age for participation in casino-style gambling activities under Philippine law and PAGCOR regulations.
• You are accessing the platform from a jurisdiction where online gaming is not prohibited by applicable local law.
• You are acting on your own behalf as an individual person, not as an agent, representative, or on behalf of any third party.
• You are not a current employee, director, officer, contractor, or close family member of a phmac employee or partner in a role that could create a conflict of interest.
• You have not previously been self-excluded from phmac or had a phmac account permanently closed due to a breach of these terms.
• You are not currently on any gambling self-exclusion register applicable in your jurisdiction.

phmac takes underage gambling seriously and employs age verification measures at registration and during the KYC process. If you suspect a minor is attempting to access the phmac platform, please report it immediately to [email protected].

4Account Registration & KYC Verification

To access real-money features on phmac, you must complete the account registration process and provide accurate, complete, and current information. Each individual is permitted to hold one account only. The opening of multiple accounts by a single individual — whether under the same name, different names, or using different payment methods — is strictly prohibited.

During registration and as part of the KYC process, phmac may request the following documents and information:

phmac reserves the right to suspend an account and withhold withdrawals pending satisfactory completion of KYC verification at any time, including for existing accounts where additional verification is required to comply with anti-money laundering obligations.

You are responsible for maintaining the security of your account login credentials. phmac will never ask for your password via email, chat, or any other channel. Any unauthorised access to your account should be reported to [email protected] immediately.

5Deposits & Withdrawals

phmac supports a range of Philippine payment methods for deposits and withdrawals, including GCash, Maya (formerly PayMaya), GrabPay, QR Ph, InstaPay, PesoNet, BPI, BDO, Metrobank, and 7-Eleven CLiQQ. The availability of specific payment methods may vary from time to time based on provider agreements and regulatory requirements.

Deposits: All deposits must originate from a payment account registered in your own name. Third-party deposits — where the payment account belongs to another person — are not permitted. The minimum deposit amount is ₱100. Deposits via GCash and Maya are typically processed within 60 seconds. Bank transfers via InstaPay and PesoNet typically clear within 15 to 30 minutes.

Withdrawals: Withdrawal requests are processed back to the same payment method used for the original deposit wherever possible. Before any withdrawal is approved, your account must have completed full KYC verification. The minimum withdrawal amount and any applicable processing times will be communicated within the phmac cashier section.

phmac does not charge fees on deposits or standard withdrawals. However, your payment provider or bank may apply their own transaction fees independently, and phmac takes no responsibility for such charges.

6Bonuses & Promotions

phmac offers various bonuses and promotional offers to eligible players from time to time, including welcome bonuses, reload bonuses, cashback offers, free spins, and loyalty rewards. All bonuses are subject to the general terms set out in this section as well as any specific terms and conditions published alongside each individual promotion.

The following general bonus rules apply to all phmac promotions unless expressly stated otherwise in the specific promotion terms:

• Bonuses are available to players who have completed account registration and KYC verification.
• Each player is entitled to claim each individual promotion only once unless the promotion is explicitly designated as recurring or repeatable.
• Bonus funds and any winnings derived from bonus funds are subject to wagering requirements that must be met in full before withdrawal is permitted. The applicable wagering multiple will be stated in each promotion's specific terms.
• Wagering requirements apply to the total of the deposit amount plus the bonus amount unless the promotion terms specify deposit-only or bonus-only wagering.
• Not all games contribute equally to wagering requirements. Live dealer games, table games, and certain slots may contribute at a reduced rate or not at all. Contribution rates will be specified in each promotion.
• Bonuses that have not been used within their stated validity period will expire automatically without compensation.
• phmac reserves the right to modify, suspend, or cancel any promotion at any time if there is evidence of abuse, fraud, or technical error affecting the promotion.
• In the event of a conflict between general bonus terms and promotion-specific terms, the promotion-specific terms will prevail.

7Gameplay Rules

All games available on the phmac platform are governed by individual game rules published within the game interface itself. Players are responsible for familiarising themselves with the rules of each game before placing real-money wagers. The following general gameplay principles apply across all phmac games:

• All casino game outcomes on phmac are determined by certified Random Number Generator (RNG) technology or, in the case of live dealer games, by real-time physical dealing under independent oversight.
• All game results are final once a round has been completed and confirmed by the system. phmac will not reverse a game result on the basis that a player is unhappy with the outcome.
• In the event of a disconnection during an active game round, phmac's system will complete the round automatically according to the game logic in place at the time of disconnection. The result will be recorded and reflected in the player's account accordingly.
• In the event of a software or technical malfunction that affects the outcome of a game, phmac reserves the right to void the affected round and return the wagered amount to the player's balance.
• Displayed Return to Player (RTP) percentages represent theoretical long-term statistical returns and do not constitute a guarantee of individual session outcomes.
• Minimum and maximum stake amounts are set per game and per table and will be displayed within the game interface. phmac may adjust stake limits at any time.

8Prohibited Conduct

The following activities are strictly prohibited on the phmac platform. Engaging in any of the following may result in immediate account suspension, permanent closure, forfeiture of balances, and reporting to relevant authorities where required by law:

• Registering more than one account or using another person's account.
• Providing false, inaccurate, or misleading personal information during registration or KYC verification.
• Using the phmac platform for any money laundering, fraud, or other financially criminal activity.
• Using automated scripts, bots, artificial intelligence, or any other software tool to interact with the phmac platform in a manner not explicitly permitted.
• Exploiting software bugs, errors, or glitches to gain an unfair advantage.
• Colluding with other players, dealers, or phmac staff to manipulate game outcomes.
• Engaging in chargebacks or disputed payment reversals in bad faith after using wagered funds.
• Attempting to access or interfere with the phmac platform infrastructure, security systems, or other players' accounts.
• Harassing, threatening, or abusing phmac support staff or other players in any communication channel.
• Allowing a minor under 21 years of age to use your phmac account.

9Intellectual Property

All content on the phmac platform — including but not limited to the phmac brand name, logo, website design, graphics, text, software, game interfaces, audio, and video — is the property of phmac or its licensed suppliers and is protected by applicable intellectual property laws including copyright, trademark, and related rights.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phmac platform solely for personal, non-commercial entertainment purposes in accordance with these Terms & Conditions. This licence does not permit you to:

• Copy, reproduce, distribute, or commercially exploit any content from the phmac platform.
• Reverse engineer, decompile, or disassemble any software used to operate the phmac platform.
• Use the phmac name, logo, or branding in any way without prior written consent.
• Create derivative works based on phmac content or platform features.

Any feedback, suggestions, or ideas submitted to phmac regarding the platform may be used by phmac without any obligation to compensate the submitting party.

10Responsible Gaming

phmac is firmly committed to promoting responsible gaming and protecting players who may be at risk of harm from gambling. Gambling on phmac is intended to be an entertaining leisure activity for adults. If gambling stops being fun and starts causing financial, emotional, or social harm, we encourage all players to use the tools available and to seek help.

phmac provides the following responsible gaming tools to all registered players:

• Deposit Limits: Set daily, weekly, or monthly limits on how much you can deposit to your phmac account. Limits can be reduced immediately; increases take effect after a 24-hour cooling-off period.
• Session Time Reminders: Set a time limit for each gaming session. phmac will notify you when your session has reached the limit.
• Cooling-Off Period: Temporarily suspend your access to real-money gaming for a period of 24 hours, 7 days, or 30 days.
• Self-Exclusion: Request a permanent or long-term exclusion from the phmac platform. Self-exclusion cannot be reversed during the chosen period. Contact [email protected] to activate self-exclusion.
• Reality Checks: Receive periodic on-screen reminders of your current session duration and net activity.

For more information on responsible gaming tools and support options, visit the phmac Responsible Gaming page.

11Limitation of Liability

To the fullest extent permitted by applicable Philippine law, phmac shall not be liable to any player for any of the following types of loss or damage, whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise:

• Loss of winnings, profits, revenue, or anticipated savings resulting from any interruption, suspension, or termination of phmac services.
• Loss or corruption of data, including account data, transaction history, or game history.
• Indirect, consequential, special, or punitive losses of any kind.
• Losses arising from a player's own breach of these Terms & Conditions.
• Losses arising from unauthorised access to a player's account due to the player's failure to maintain the security of their login credentials.
• Losses resulting from the actions of third-party payment providers, including processing delays, failed transactions, or account restrictions imposed by GCash, Maya, BPI, BDO, Metrobank, or any other payment provider.

Nothing in these Terms & Conditions excludes or limits phmac's liability for death or personal injury caused by its own negligence, or for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by applicable law.

Where phmac's liability cannot be excluded, it is limited to the total amount deposited by the player into their phmac account in the 30-day period immediately preceding the event giving rise to the claim.

12Privacy & Data Protection

phmac collects, processes, and stores personal data in accordance with its Privacy Policy, which forms part of this agreement by reference and should be read alongside these Terms & Conditions. By using the phmac platform, you consent to the collection and processing of your personal data as described in the phmac Privacy Policy.

Personal data collected during account registration, KYC verification, and platform use is processed for the following primary purposes:

• Verifying your identity and age in compliance with PAGCOR requirements and Philippine anti-money laundering laws.
• Processing deposits, withdrawals, and other financial transactions.
• Delivering customer support services and resolving account queries.
• Communicating promotional offers and platform updates to opted-in players.
• Detecting and preventing fraud, collusion, and other prohibited conduct.
• Meeting phmac's legal and regulatory reporting obligations.

For full details of how phmac handles your personal data, including your data rights under applicable Philippine privacy law, please read the phmac Privacy Policy.

13Account Suspension & Termination

phmac reserves the right to suspend, restrict, or permanently close a player's account at any time for any of the following reasons:

• Breach of any provision of these Terms & Conditions.
• Failure to complete KYC verification within the required timeframe.
• Reasonable suspicion of fraud, money laundering, match fixing, or other illegal activity.
• A player's own request for self-exclusion or account closure.
• Regulatory or legal requirements that prevent phmac from continuing to provide services to a particular player or in a particular jurisdiction.
• Technical or security reasons that require temporary suspension for the protection of the player or the platform.

Where an account is closed due to a breach of these terms, phmac reserves the right to forfeit the account balance. Where an account is closed for reasons unrelated to player misconduct — such as a regulatory change — any verified real-money balance will be returned to the player via their registered payment method.

Players wishing to voluntarily close their account should contact the phmac support team at [email protected]. Voluntary account closure requests will be processed within 5 business days.

14Governing Law & Dispute Resolution

These Terms & Conditions are governed by and shall be construed in accordance with the laws of the Philippines. Any dispute arising out of or in connection with these terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

Before initiating any formal legal proceedings, players are encouraged to attempt to resolve any dispute informally by contacting the phmac support team. phmac commits to responding to all formal complaint submissions within 5 business days and to working in good faith toward a fair resolution.

If a dispute cannot be resolved through the internal complaint process, players may escalate the matter to the relevant regulatory authority in accordance with applicable Philippine gaming regulations.

15Contact Us

If you have any questions, concerns, or feedback regarding these Terms & Conditions or any aspect of the phmac platform, the phmac support team is available 24 hours a day, 7 days a week.

You may reach phmac support through the following channel:

• Email: [email protected]

When contacting phmac regarding a specific account matter, please include your registered username and the email address associated with your account so that the support team can assist you efficiently. Response times are typically within 2 hours for urgent account matters and within 24 hours for general enquiries.