Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," "you," or "your") and phmob ("Company," "we," "us," or "our"), governing your access to and use of the phmob website, mobile applications, and all associated gaming services (collectively, the "Platform"). By creating an account, accessing the Platform, or using any of our services, you expressly acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference.

If you do not agree with any provision of these Terms, you must immediately cease using the Platform and close your account. Your continued use of phmob services constitutes ongoing acceptance of these Terms as they may be amended from time to time in accordance with Section 12 herein.

2. Eligibility and Account Registration

2.1 Age and Jurisdictional Requirements

You must be at least twenty-one (21) years of age and legally residing in the Republic of the Philippines to create an account and use phmob services. Online gaming services are strictly prohibited for minors. By registering, you represent and warrant that:

• You have reached the legal age of majority in your jurisdiction and are at least 21 years old;
• You are legally permitted to participate in online gaming activities under Philippine law and PAGCOR regulations;
• You are acting on your own behalf and not on behalf of any third party;
• All information provided during registration is accurate, current, and complete;
• You will promptly update your account information if any details change.

2.2 Account Verification

phmob reserves the right to request identity verification documents at any time, including but not limited to valid Philippine government-issued identification (passport, driver's license, UMID, or national ID), proof of address, and payment method verification. You agree to provide such documents within seven (7) calendar days of our request. Failure to comply may result in account suspension, withdrawal restrictions, and forfeiture of funds where permitted by law.

2.3 One Account Per Player

Each Player is permitted to maintain only one (1) account with phmob. Opening multiple accounts, creating accounts using false information, or allowing others to access your account constitutes a material breach of these Terms and may result in immediate account closure and confiscation of balances.

3. Account Responsibilities

3.1 Account Security

You are solely responsible for maintaining the confidentiality of your username, password, and all account credentials. All activities conducted through your account are presumed to be authorized by you. You must immediately notify phmob of any unauthorized access, security breach, or suspected fraudulent activity involving your account.

3.2 Accurate Information

You agree to provide truthful, accurate, and complete information during registration and throughout your use of phmob services. Misrepresentation, falsification of documents, or provision of misleading information constitutes grounds for immediate account termination and may be reported to relevant authorities.

3.3 Account Restrictions

phmob reserves the right to suspend, restrict, or terminate your account at any time, with or without prior notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or pose a risk to the integrity of our Platform. Such actions may be taken to comply with legal obligations, regulatory requirements, or to protect the interests of phmob and other Players.

4. Deposits and Withdrawals

4.1 Payment Methods

phmob accepts deposits through approved payment methods including GCash, PayMaya, bank transfers via BPI, BDO, UnionBank, Metrobank, and other Philippine financial institutions, as well as cryptocurrency transfers where applicable. All deposit methods are subject to minimum and maximum transaction limits as displayed on the Platform.

4.2 Deposit Processing

Deposits made through electronic wallets such as GCash and PayMaya typically process instantly. Bank transfers may require up to twenty-four (24) hours for confirmation depending on the issuing financial institution. phmob is not responsible for delays caused by third-party payment processors or banking institutions.

4.3 Withdrawal Terms

Withdrawal requests are processed subject to identity verification, source of funds verification, and compliance with anti-money laundering (AML) regulations. All withdrawals must be made to payment methods registered in your name. Third-party withdrawals are strictly prohibited. phmob reserves the right to request additional documentation before processing withdrawals exceeding PHP 50,000 in a single transaction or PHP 200,000 within a thirty (30) day period.

4.4 Withdrawal Processing Times

Subject to successful verification, withdrawals to GCash and PayMaya typically process within one (1) to four (4) hours during business hours. Bank transfers may require up to forty-eight (48) hours. Processing times may be extended during peak periods, public holidays, or when additional verification is required.

4.5 Fees and Charges

phmob does not charge fees for deposits or withdrawals. However, payment processors and financial institutions may impose their own transaction fees, which are the sole responsibility of the Player. Currency conversion fees may apply where transactions involve non-PHP currencies.

5. Betting Rules and Game Terms

5.1 Wagering Obligations

All bets placed on the phmob Platform are final and cannot be cancelled, modified, or reversed once confirmed. You are responsible for ensuring the accuracy of all bet selections, stake amounts, and betting confirmations before submission. phmob is not liable for erroneous bets resulting from user error.

5.2 Game Rules and Regulations

Each game category—including but not limited to slots, live casino, table games, sports betting, e-sports, and specialty games—is governed by specific rules and betting parameters displayed within the game interface or available in the game information section. Players are required to familiarize themselves with applicable rules before placing wagers.

5.3 Betting Limits

phmob imposes minimum and maximum betting limits on all games and betting markets. These limits may vary by game type, player status, and account history. We reserve the right to modify betting limits at any time without prior notice.

5.4 Malfunctions and Errors

In the event of game malfunction, system error, software defect, or technical failure that affects game outcomes or betting results, all affected bets shall be void and stakes refunded to Player accounts. phmob's liability in such circumstances is strictly limited to the refund of affected wagers. We are not responsible for losses resulting from internet connectivity issues, hardware failures, or user device malfunctions.

5.5 Random Number Generators

All games offered by phmob utilize certified Random Number Generator (RNG) technology tested and approved by independent gaming authorities. Game outcomes are determined randomly and cannot be predicted or manipulated by the Company or any third party.

6. Bonuses and Promotions

6.1 Promotional Terms

All bonuses, free bets, promotional offers, and loyalty rewards offered by phmob are subject to specific terms and conditions as stated in the respective promotional materials. Bonus funds typically carry wagering requirements that must be satisfied before withdrawal. Players must review and accept promotional terms before claiming any bonus.

6.2 Bonus Abuse and Fraud

phmob maintains a zero-tolerance policy toward bonus abuse, exploitation of promotional terms, collusion, and fraudulent claiming of offers. Activities including but not limited to operating multiple accounts to claim duplicate bonuses, coordinated betting patterns, or intentional exploitation of system vulnerabilities will result in immediate bonus forfeiture, account closure, and confiscation of all balances.

6.3 Discretionary Rights

phmob reserves the absolute right to modify, suspend, or terminate any promotional offer at any time, with or without notice. We further reserve the right to exclude individual Players from promotions if we reasonably believe they are engaging in abusive betting patterns or violating promotional terms.

7. Prohibited Activities

Players are expressly prohibited from engaging in the following activities on the phmob Platform:

• Using the Platform for any unlawful purpose or in violation of Philippine law or PAGCOR regulations;
• Providing false, misleading, or fraudulent information during registration or verification;
• Accessing or attempting to access accounts belonging to other users;
• Engaging in collusion, chip dumping, or coordinated betting with other Players;
• Using automated betting software, bots, or artificial intelligence systems to place wagers;
• Exploiting software vulnerabilities, glitches, or errors for unfair advantage;
• Laundering money or conducting any illegal financial transactions through the Platform;
• Harassing, threatening, or abusing other Players or phmob staff members;
• Reverse engineering, decompiling, or attempting to access phmob source code or proprietary systems;
• Using VPN services, proxy servers, or other means to conceal your location or identity;
• Engaging in arbitrage betting, matched betting, or other forms of risk-free betting exploitation.

Violation of these prohibitions may result in immediate account suspension, forfeiture of funds, and referral to law enforcement authorities where appropriate.

8. Responsible Gaming

8.1 Gaming Awareness

phmob is committed to promoting responsible gaming practices and protecting vulnerable individuals from gaming-related harm. We provide tools and resources to help Players maintain control over their gaming activities, including deposit limits, session time reminders, loss limits, and self-exclusion options.

8.2 Self-Exclusion

Players who believe they may be developing problematic gaming behaviors may request voluntary self-exclusion for periods ranging from twenty-four (24) hours to permanent closure. During the self-exclusion period, your account will be inaccessible, and you will not be able to create new accounts. Self-exclusion requests cannot be reversed before the selected period expires.

8.3 Support Resources

Players experiencing gaming-related difficulties are encouraged to seek professional assistance. phmob complies with PAGCOR responsible gaming guidelines and provides information about external support organizations available to Philippine residents.

9. Intellectual Property

All content, trademarks, service marks, logos, graphics, software, databases, and proprietary materials displayed on the phmob Platform are the exclusive property of phmob or its licensors and are protected by Philippine and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform solely for personal, non-commercial gaming purposes. Any unauthorized reproduction, distribution, modification, or commercial exploitation of Platform content is strictly prohibited and may result in legal action.

10. Limitation of Liability

10.1 Service Availability

While phmob endeavors to maintain continuous Platform availability, we do not guarantee uninterrupted access or error-free operation. The Platform may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our reasonable control. phmob shall not be liable for any losses, damages, or inconvenience resulting from service interruptions.

10.2 Maximum Liability

To the fullest extent permi I'm Claude Code — Anthropic's official command-line coding tool, running on Anthropic's Claude model. I can't reliably see the exact version from here. What would you like to work on? I'm Claude Code, Anthropic's official CLI for Claude; the underlying model is Claude by Anthropic. I don't have a reliable way to see the exact model version, so I won't guess. What can I help you with? tted by applicable law, phmob's total aggregate liability to you for any claims arising from or related to your use of the Platform, whether in contract, tort, or otherwise, shall not exceed the total amount deposited into your account during the six (6) month period immediately preceding the event giving rise to liability, or PHP 10,000, whichever is lower.

10.3 Disclaimer of Warranties

The Platform and all services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. phmob does not warrant that the Platform will meet your requirements or that operation will be uninterrupted, timely, secure, or error-free.

11. Dispute Resolution

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising from or relating to these Terms or your use of phmob services shall be subject to the exclusive jurisdiction of the courts of Metro Manila, Philippines.

11.2 Customer Complaints

If you have a complaint or dispute regarding phmob services, you must first contact our customer support team through the channels provided on the Platform. We will endeavor to resolve all complaints within thirty (30) calendar days of receipt. If you remain dissatisfied with the resolution, you may escalate your complaint to PAGCOR in accordance with applicable gaming regulations.

11.3 Limitation Period

Any claim or cause of action arising from or related to your use of phmob services must be filed within one (1) year from the date the claim arose. Claims filed after this period shall be permanently barred.

12. Amendments to Terms

phmob reserves the right to modify, amend, or update these Terms at any time at our sole discretion. Material changes will be communicated to registered Players via email notification or prominent notice on the Platform at least seven (7) days prior to the effective date of such changes, except where immediate changes are required to comply with legal or regulatory obligations.

Your continued use of the Platform following the effective date of any amendments constitutes acceptance of the revised Terms. If you do not agree with the modified Terms, you must cease using the Platform and close your account. It is your responsibility to review these Terms periodically to remain informed of any updates.

12.1 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

12.2 Entire Agreement

These Terms, together with the Privacy Policy, Responsible Gaming Policy, and any game-specific rules incorporated by reference, constitute the entire agreement between you and phmob regarding your use of the Platform and supersede all prior agreements, understandings, and communications, whether written or oral.

12.3 Contact Information

For questions regarding these Terms & Conditions or any legal inquiries, please contact our legal department at [email protected]. By accepting these Terms, you acknowledge that you have read and understood all provisions herein and agree to be legally bound by them.