ph75 Terms & Conditions

1 Definitions

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

• "ph75," "we," "us," or "our" refers to the ph75 platform, its operators, parent entities, subsidiaries, affiliates, and authorised licensees operating the ph75 brand at ph75.cam.
• "Platform" means the ph75 website accessible at ph75.cam, including all games, mobile-optimised interfaces, APIs, customer portals, and ancillary services provided thereunder.
• "Account" means the individual registered player account created by a User on the Platform.
• "User," "Player," or "you" means any natural person who accesses or uses the Platform, whether or not registered.
• "Games" means all casino games, live dealer tables, sports betting markets, bingo rooms, fish shooting games, and any other wagering products available on the Platform.
• "Bonus" means any promotional credit, free spin, cashback, reload offer, or other incentive made available by ph75 to Users subject to specific terms.
• "Real Money Wager" means a bet placed using deposited funds or credited cashback from a verified ph75 Account.
• "Wagering Requirement" or "Rollover" means the number of times a Bonus amount must be wagered in Real Money Wagers before withdrawal of associated winnings is permitted.
• "KYC" means Know Your Customer identity verification procedures required under applicable anti-money laundering regulations.
• "PHP" or "₱" means Philippine Peso, the primary transactional currency of the Platform.
• "VIP Program" means the ph75 six-tier player loyalty and reward programme as described on the Platform.
• "Prohibited Jurisdiction" means any country or territory from which access to and use of the Platform is restricted or prohibited under applicable law.

2 Acceptance of Terms

2.1 These Terms and Conditions, together with the ph75 Privacy Policy, Responsible Gaming Policy, and all game-specific rules and promotional terms published on the Platform, constitute the entire agreement between ph75 and the User and supersede all prior representations, warranties, and understandings.

2.2 By completing the ph75 account registration process, the User expressly represents that they have read, understood, and agree to be bound by these Terms in their entirety. Registration constitutes a legally binding acceptance.

2.3 Continued use of the Platform following publication of any amendment to these Terms constitutes acceptance of the amended Terms. It is the User's responsibility to review the Terms periodically. ph75 will provide reasonable notice of material changes via the Platform's notification system or the User's registered email address.

2.4 These Terms are made available in the English language. In the event of any discrepancy between an English-language version and any translated summary or excerpt, the English-language text shall prevail.

3 Eligibility

3.1 To be eligible to register and maintain a ph75 Account, you must satisfy all of the following conditions at the time of registration and on a continuing basis throughout the life of your Account:

• You are at least twenty-one (21) years of age;
• You are a natural person with full legal capacity to enter into binding contracts under Philippine law or the laws of your country of residence;
• You are not a resident of or accessing the Platform from a Prohibited Jurisdiction;
• You are not an employee, officer, director, agent, or immediate family member of an employee of ph75 or any of its affiliated entities, software providers, or game providers;
• You have not been subject to a self-exclusion order or responsible gaming restriction that covers the ph75 Platform;
• You are opening the Account for your own personal use and not on behalf of any third party;
• You are not acting under any form of compulsion, undue influence, or mental incapacity at the time of registration.

3.2 ph75 reserves the right to decline any registration application or suspend any existing Account at its sole discretion where eligibility requirements are not met or cannot be verified.

4 Account Registration and Management

4.1 One Account Per Person. Each natural person is permitted to hold a maximum of one (1) active ph75 Account at any time. Opening, maintaining, or using more than one Account — whether under the same identity, different identities, shared devices, shared payment methods, or shared IP addresses — constitutes a material breach of these Terms. ph75 reserves the right to close all duplicate accounts, void all associated bets and bonuses, and withhold any balances pending investigation in such cases.

4.2 Accuracy of Information. You represent and warrant that all information provided during registration — including name, date of birth, address, and contact details — is truthful, accurate, current, and complete. You are obligated to update your account information promptly if any details change. Providing false or misleading information constitutes a breach of these Terms and may result in immediate account suspension and forfeiture of balances.

4.3 Account Security. You are solely responsible for maintaining the confidentiality of your ph75 login credentials, including your password and any two-factor authentication codes. ph75 will not be liable for any loss resulting from unauthorised access to your Account caused by your failure to keep credentials secure. You must notify ph75 support immediately upon becoming aware of any unauthorised access or security breach affecting your Account.

4.4 Non-Transferability. ph75 Accounts are strictly personal and non-transferable. You may not sell, assign, transfer, pledge, or otherwise dispose of your Account or any rights, benefits, or obligations under it to any third party. Any such attempted transfer is void and constitutes grounds for immediate Account closure.

4.5 Account Currency. The primary currency of the ph75 Platform is Philippine Peso (PHP). All account balances, transaction records, wagering requirements, and financial communications are expressed in PHP unless expressly stated otherwise.

5 Identity Verification (KYC)

5.1 ph75 is required by applicable anti-money laundering and responsible gaming regulations to verify the identity, age, and residence of all Account holders prior to processing withdrawals and, in certain circumstances, prior to enabling full platform access.

5.2 You agree to provide ph75 with any and all documentation reasonably requested for KYC purposes, which may include without limitation:

• A valid Philippine government-issued photo identification document (PhilSys National ID, Passport, Driver's License, SSS/GSIS Unified ID, Voter's ID, or PRC ID);
• Proof of current residential address (utility bill, bank statement, or government correspondence dated within 90 days);
• Proof of the payment method used for deposits (GCash account screenshot, bank account statement, or card statement);
• A selfie photograph or live video verification as required;
• Source of funds documentation for high-value transactions as determined by ph75's compliance procedures.

5.3 ph75 reserves the right to restrict deposit, wagering, and withdrawal functionality pending completion of KYC verification. Accounts that fail to complete KYC within a reasonable period, or where submitted documents cannot be verified as authentic, may be suspended or closed. In such cases, the deposited principal (net of any bonus funds) may be returned to the original payment source subject to applicable legal holds.

5.4 All KYC documentation is processed and stored in accordance with the ph75 Privacy Policy and applicable Philippine data protection legislation.

6 Deposits and Withdrawals

6.1 Deposits

ph75 accepts deposits through the payment methods listed on the Platform, which include GCash, Maya/PayMaya, GrabPay, QR Ph, BPI, BDO, Metrobank, InstaPay, PesoNet, 7-Eleven CLiQQ, Visa, and Mastercard. The minimum deposit is ₱100 unless otherwise stated for a specific payment method. ph75 does not accept cash deposits, cryptocurrency, or third-party payment instruments not listed on the Platform's cashier page.

Deposits are for personal wagering use only. You represent that all funds deposited are derived from legitimate sources and are not the proceeds of any unlawful activity. ph75 reserves the right to report suspicious deposit patterns to relevant Philippine authorities in compliance with anti-money laundering obligations.

6.2 Withdrawals

Withdrawals are processed to the same payment method used for the most recent qualifying deposit wherever technically possible. The minimum withdrawal amount is ₱200. Withdrawals are subject to completion of KYC verification. Processing times vary by VIP tier as published on the Platform. ph75 reserves the right to conduct additional verification checks before processing any withdrawal at its sole discretion.

ph75 does not charge withdrawal fees on GCash and Maya transactions. Bank transfer and card withdrawal fees, if applicable, are disclosed at the time of transaction. ph75 is not responsible for fees or delays imposed by receiving financial institutions.

6.3 Inactive Account Fees

An Account is considered inactive if no login, deposit, withdrawal, or wagering activity occurs for a continuous period of twelve (12) months. ph75 reserves the right to apply an inactivity administrative fee of ₱100 per calendar month to inactive Account balances following the initial 12-month inactive period. Prior to applying any fee, ph75 will attempt to notify the Account holder at their registered contact details. The fee will not reduce an Account balance below zero.

7 Bonuses and Promotions

7.1 ph75 may from time to time offer Bonuses to Account holders. All Bonuses are subject to these Terms and to the specific promotional terms published alongside each offer. In the event of any conflict between a specific promotion's terms and these general Terms, the specific promotional terms shall prevail for the subject matter of that conflict only.

7.2 Wagering Requirements. Unless expressly stated as "no wagering required," all Bonus funds are subject to a Wagering Requirement before associated winnings may be withdrawn. The applicable Wagering Requirement is stated in each promotion's specific terms. Failure to meet the Wagering Requirement within the specified validity period will result in the forfeiture of the Bonus and any winnings generated therefrom.

7.3 One Bonus at a Time. Unless expressly permitted by specific promotional terms, only one active Bonus may be held in an Account at any given time. Depositing while a Bonus is active may affect the applicable Wagering Requirement calculation.

7.4 Bonus Abuse. ph75 reserves the right to void Bonuses, associated winnings, and/or suspend Accounts where there is reasonable evidence of Bonus abuse, including but not limited to: placing opposing bets to guarantee a risk-free outcome, coordinated multi-account promotion claiming, exploiting software errors or misconfigured promotional parameters, and any other conduct designed to circumvent the purpose of a promotional offer.

7.5 VIP Cashback. Daily cashback awarded through the ph75 VIP Program is credited to Account wallets by 09:00 Philippine Standard Time each day in respect of the prior day's wagering. VIP cashback is subject to minimum wagering requirements as published in the VIP Program terms. Cashback rates are subject to change in accordance with Section 16 of these Terms.

7.6 ph75 reserves the right to modify, suspend, or discontinue any Bonus or promotional programme at any time with reasonable notice to affected players.

8 Game Rules and Fairness

8.1 All games available on the ph75 Platform are governed by their specific game rules, which are accessible within each game's information panel. By placing a wager, the User acknowledges and accepts the applicable game rules.

8.2 Random Number Generation. All ph75 random number generator (RNG)-based games operate using certified RNG systems that have been independently tested and verified for randomness and statistical fairness. The outcome of each game round is determined at the moment of play and is not influenced by prior results, account tier, account balance, or any other external factor.

8.3 Live Casino. Live dealer games are conducted by licensed studio operators streaming in real time. Game outcomes in live dealer titles are determined by physical game equipment (cards, roulette wheels, dice) operated by trained dealers under the supervision of the studio provider's gaming control systems.

8.4 Return to Player (RTP). Published RTP percentages represent the theoretical long-run statistical return of a game to players over millions of rounds and do not guarantee individual session outcomes. Actual returns in any given session may differ materially from the published RTP.

8.5 Malfunction Voids All Pays. In the event of a technical malfunction, software error, or communication failure that affects the integrity of a game round, ph75 reserves the right to void the affected bet and return the wagered amount to the player's Account. Winnings resulting from a demonstrable malfunction or software error are not payable and will be voided.

8.6 Final Decisions. In the event of any dispute regarding a game outcome, the records maintained by ph75's gaming system shall be the definitive reference. The decision of ph75's dispute resolution team, following review of system logs, is final and binding subject to any applicable regulatory escalation process.

9 Prohibited Conduct

9.1 The following conduct is strictly prohibited on the ph75 Platform and constitutes grounds for immediate Account suspension, balance forfeiture, and/or legal action:

• Registering or maintaining more than one Account;
• Providing false, inaccurate, or fraudulent information during registration or KYC;
• Using the Platform if you are under twenty-one (21) years of age;
• Accessing the Platform from a Prohibited Jurisdiction using VPN, proxy, or other circumvention technologies;
• Engaging in money laundering, terrorist financing, or any other activity that violates applicable Philippine law;
• Using any form of automated software, bots, scripts, or artificial intelligence to gain an unfair advantage or to manipulate game outcomes;
• Attempting to exploit software bugs, glitches, or errors for financial gain;
• Colluding with other players in live casino or poker-type games;
• Engaging in Bonus abuse as defined in Section 7.4 of these Terms;
• Harassing, threatening, or abusing ph75 staff or other players through any communication channel;
• Attempting to gain unauthorised access to ph75 systems, databases, or the Accounts of other players;
• Using a payment method that is not registered in your own name or that belongs to another person without their explicit consent;
• Any conduct intended to defraud ph75 or other players.

10 Intellectual Property

10.1 All content on the ph75 Platform — including but not limited to the ph75 brand name, logo, trademarks, game graphics, software, text, images, audio, video, user interface design, and database compilations — is the property of ph75 or its licensors and is protected by applicable intellectual property laws.

10.2 ph75 grants Users a limited, revocable, non-exclusive, non-transferable licence to access and use the Platform solely for personal, non-commercial gaming purposes in accordance with these Terms. This licence does not include the right to copy, reproduce, distribute, publish, display, modify, create derivative works from, or commercially exploit any Platform content.

10.3 Any unauthorised use of ph75 intellectual property is strictly prohibited and may result in civil and/or criminal liability under applicable law.

11 Limitation of Liability

11.1 The ph75 Platform is provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, ph75 disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11.2 ph75 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform, including but not limited to lost profits, loss of data, loss of goodwill, interruption of service, or any other intangible losses, even if ph75 has been advised of the possibility of such damages.

11.3 ph75's total aggregate liability to any User for any cause of action arising under or in connection with these Terms or the use of the Platform shall not exceed the total amount deposited by that User to their ph75 Account in the twelve (12) months immediately preceding the event giving rise to the claim.

11.4 Nothing in these Terms shall operate to exclude or limit ph75's liability for fraud, wilful misconduct, death, or personal injury caused by its negligence, or any other liability that cannot be excluded or limited by applicable Philippine law.

12 Privacy and Data Protection

12.1 ph75 collects, processes, and stores personal data in accordance with the ph75 Privacy Policy and the requirements of Republic Act No. 10173 (Data Privacy Act of 2012) of the Philippines, as administered by the National Privacy Commission.

12.2 By registering for a ph75 Account, you consent to the collection, processing, and storage of your personal data as described in the Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy is accessible at ph75.cam/privacy-policy.

12.3 ph75 may share your personal data with regulatory authorities, law enforcement agencies, or financial intelligence units as required by law, without prior notice to you where such notice is prohibited by law or would compromise an investigation.

13 Responsible Gaming

13.1 ph75 makes the following responsible gaming tools available to all Account holders at no charge through the Account Security Settings panel:

• Deposit Limits: Users may set daily, weekly, and monthly deposit limits. Limits take effect immediately when reduced and require a 24-hour cooling period when increased.
• Loss Limits: Users may set maximum net loss thresholds per session or per day, upon reaching which further wagering is blocked for the defined period.
• Session Time Reminders: Configurable notifications after 1, 2, or 3 hours of continuous play.
• Reality Checks: On-screen display of net win/loss at user-defined intervals during gaming sessions.
• Cool-Off Period: Temporary account access suspension of 24 hours, 48 hours, or 7 days without full exclusion.
• Self-Exclusion: Temporary exclusion of 7 days up to 6 months, or permanent exclusion. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period.

13.2 Users who believe they may have a gambling problem are encouraged to seek professional assistance. ph75 supports the responsible gaming initiatives of PAGCOR and recommends contacting the PAGCOR Responsible Gaming hotline for professional counselling referrals.

13.3 ph75 reserves the right to impose responsible gaming restrictions on any Account where internal monitoring indicators suggest behaviour consistent with problem gambling, even in the absence of a self-declared request from the Account holder.

14 Account Suspension and Termination

14.1 Termination by User. You may request closure of your ph75 Account at any time by contacting ph75 customer support via live chat. Account closure requests will be processed within 5 business days. Any remaining balance will be withdrawn to your registered payment method following completion of outstanding KYC requirements and withdrawal procedures.

14.2 Termination by ph75. ph75 reserves the right to suspend, restrict, or permanently close any Account at its sole discretion, without prior notice, in the following circumstances:

• Breach of any provision of these Terms;
• Failure to complete KYC verification within a reasonable time;
• Reasonable suspicion of fraudulent, abusive, or illegal conduct;
• Chargebacks or payment reversals initiated by the User or their payment provider;
• Regulatory direction or legal compulsion;
• Account inactivity as defined in Section 6.3;
• Any other circumstance where ph75 determines that continued account operation poses a risk to ph75, other users, or applicable regulatory compliance.

14.3 Upon termination for cause, ph75 reserves the right to withhold any Account balance pending investigation. Where a balance is withheld, ph75 will notify the Account holder of the reason and provide a reasonable opportunity to respond, except where disclosure is prohibited by applicable law or ongoing investigation requirements.

15 Governing Law and Dispute Resolution

15.1 These Terms shall be governed by and construed in accordance with applicable Philippine law and the regulatory frameworks within which ph75 operates.

15.2 Informal Resolution. In the event of any dispute between you and ph75, you are encouraged to first contact ph75 customer support via live chat or email at [email protected]. ph75 is committed to resolving disputes promptly and fairly at the first instance level. The majority of account, payment, and game-related disputes are resolved within 3-5 business days through this process.

15.3 Formal Escalation. If informal resolution is not achieved within 30 calendar days of your initial written complaint, you may escalate the matter through applicable regulatory channels available to Philippine online gaming consumers.

15.4 Notwithstanding the foregoing, ph75 reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm or to enforce its intellectual property rights.

16 Amendments to These Terms

16.1 ph75 reserves the right to amend, update, or replace these Terms at any time. Material amendments will be communicated to registered Account holders via the Platform's notification system or at the registered email address with a minimum of 14 calendar days' notice before the amended Terms take effect.

16.2 Non-material amendments — including but not limited to corrections of typographical errors, clarifications that do not alter the substantive rights of Users, and updates to reflect changes in applicable law — may take effect immediately upon publication.

16.3 The current version of these Terms is always accessible at ph75.cam/terms-conditions. The "Effective Date" displayed at the top of this page reflects the date of the most recent revision.

17 Contact Information

17.1 For any questions, complaints, or correspondence relating to these Terms or your ph75 Account, please contact us through the following channels:

17.2 For responsible gaming support and self-exclusion requests, Users may also contact ph75 support directly at the above channels. Responsible gaming requests are treated as urgent and processed as a priority regardless of queue volume.