phmob Terms & Conditions

In these Terms, the following definitions apply unless context requires otherwise:

• "Platform" means the phmob website at phmob.org, any associated mobile interfaces, and all services, games, and tools made available through those interfaces.
• "Account" means the individual registered user account created by a Player on the phmob Platform.
• "Player" / "User" means any individual who registers an Account and uses the phmob Platform for real-money gaming or any other purpose.
• "Bonus" means any promotional credit, free spin, cashback, reload offer, or other incentive issued by phmob to eligible Players.
• "Wagering Requirement" means the number of times a Bonus amount (or deposit plus Bonus amount, as specified per promotion) must be wagered before a withdrawal can be requested.
• "Real Money Funds" means funds deposited by the Player using their own financial instrument, distinct from Bonus funds.
• "KYC" means Know Your Customer — the identity and document verification process required by PAGCOR and phmob before withdrawals are processed.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the government regulatory body that oversees and licenses phmob's operations.
• "Prohibited Jurisdiction" means any jurisdiction from which Players are not permitted to access phmob as determined by applicable law or phmob policy.
• "Force Majeure" means any event beyond phmob's reasonable control including natural disasters, government action, war, civil unrest, internet infrastructure failures, or acts of God.

By accessing the phmob Platform in any capacity — whether by browsing, registering an Account, depositing funds, participating in any game, or using any feature of the Platform — you unconditionally accept and agree to be bound by these Terms, our Privacy Policy, our Responsible Gaming Policy, and any additional rules or conditions that apply to specific games, promotions, or features.

If you register an Account on behalf of another person or entity, you represent and warrant that you have the authority to bind that person or entity to these Terms. phmob does not accept registrations made by or on behalf of a third party without proper authorization.

Your continued use of the phmob Platform following any amendment to these Terms shall constitute your acceptance of the revised Terms. phmob will provide notice of material changes via email or prominent on-site notification prior to the changes taking effect.

To register and maintain an Account with phmob, you must at all times satisfy the following eligibility criteria:

• You must be at least 21 years of age, as required under PAGCOR regulations for casino-style online gaming in the Philippines.
• You must be a natural person with full legal capacity to enter into binding contracts under Philippine law.
• You must not be registered on any self-exclusion list maintained by phmob, PAGCOR, or any other recognized gaming authority.
• You must not be accessing the Platform from a Prohibited Jurisdiction.
• You must not be an employee, contractor, director, officer, or immediate family member of phmob or any of its affiliated companies, game providers, or payment processors.
• You must not have had a phmob Account previously closed for breach of these Terms.

phmob reserves the right to request documentary proof of eligibility at any time, including but not limited to government-issued photo identification (SSS UMID, PhilHealth card, driver's license, or Philippine passport), proof of address, and proof of payment method ownership. Failure to provide requested documentation within a reasonable period may result in Account suspension and withholding of pending withdrawals pending investigation.

Each Player may hold only one (1) registered Account on phmob. The creation of duplicate or multiple accounts ("multi-accounting") for any reason, including circumventing restrictions, obtaining additional bonuses, or evading self-exclusion, is strictly prohibited and will result in permanent closure of all associated accounts and forfeiture of all balances therein.

You are responsible for ensuring that all information provided during registration and subsequently is accurate, complete, and up to date. phmob will not be liable for any loss arising from inaccurate account information provided by the Player. You must notify phmob promptly if any registered information changes.

You are solely responsible for maintaining the confidentiality of your Account login credentials. You must not share your username, password, or OTP codes with any other person. phmob will not be liable for any losses incurred as a result of unauthorized Account access that results from your failure to maintain credential security.

If you suspect unauthorized access to your Account, you must notify phmob immediately via live chat support and take immediate steps to change your password. phmob will investigate reported unauthorized access and may temporarily suspend the Account pending investigation.

phmob reserves the right to conduct enhanced due diligence and request additional verification documents from any Player at any time and for any reason consistent with its PAGCOR licensing obligations and anti-money laundering compliance requirements.

5.1 Deposits

phmob accepts deposits via GCash, PayMaya, BPI, BDO, Metrobank, UnionBank, and supported cryptocurrency wallets. The minimum deposit is ₱100 unless a specific promotion specifies otherwise. Deposits are credited to your phmob wallet upon confirmation of successful payment.

You may only deposit funds that belong to you. You must not use payment methods owned by or registered in the name of a third party. phmob reserves the right to request documentation confirming ownership of any payment method used, and to withhold funds pending such verification.

5.2 Withdrawals

Withdrawal requests are processed to the same payment method used for your most recent deposit, or to a verified account in your registered name. The minimum withdrawal amount is ₱200. Withdrawals require completed KYC verification before processing.

phmob targets same-day processing for GCash and PayMaya withdrawals under normal operating conditions. Bank transfer withdrawals to BPI, BDO, Metrobank, and UnionBank are typically processed within one to three business days. These timelines may be extended during periods of high volume, public holidays, or where additional verification is required.

phmob reserves the right to conduct anti-money laundering checks on withdrawal requests. This may result in extended processing times. Withdrawal requests may be declined where phmob has reasonable grounds to believe the funds are proceeds of fraud, money laundering, or other unlawful activity.

5.3 Currency

All phmob account balances, deposits, wagers, and withdrawals are denominated in Philippine Peso (PHP / ₱) unless explicitly stated otherwise for cryptocurrency transactions. Exchange rates for cryptocurrency transactions are determined at the time of processing and phmob does not guarantee any specific rate.

5.4 Inactive Accounts

An Account that has not been logged into for a period of twelve (12) consecutive months will be classified as inactive. phmob may apply a monthly inactivity fee of ₱100 to inactive accounts with a positive balance, subject to applicable law. Players will be notified by email prior to inactivity fees being applied and given the opportunity to reactivate their Account.

All bonuses, free spins, cashback offers, and promotional credits issued by phmob are subject to the specific terms published alongside each promotion at the time of issuance. In the event of any conflict between these Terms and specific promotion terms, the promotion-specific terms shall prevail in relation to that promotion only.

General bonus terms applicable to all phmob promotions unless otherwise specified:

• Bonus funds are credited separately from Real Money Funds. Real Money Funds are wagered first unless a promotion specifies otherwise.
• Wagering requirements must be met before Bonus funds or winnings derived from Bonus funds can be withdrawn.
• Unless specified, only bets placed on qualifying games contribute to wagering requirements. Game contribution percentages are disclosed per promotion.
• Maximum bet limits apply when wagering with active Bonus funds. Placing bets in excess of the stated maximum while a Bonus is active may result in forfeiture of the Bonus and associated winnings.
• Bonuses are issued for personal use only and may not be transferred between Accounts.
• phmob reserves the right to amend, suspend, or cancel any promotion at any time with reasonable notice to affected Players.
• Any attempt to abuse, exploit, or manipulate bonus conditions — including multi-accounting, abnormal betting patterns, or hedging — will result in forfeiture of all associated Bonus funds and winnings and may result in Account closure.

All games offered on the phmob Platform are operated by licensed third-party game providers and governed by the specific rules published within each game interface. Players are responsible for understanding the rules of each game before placing real-money bets.

phmob operates live casino games, slots, bingo, and sports betting under the oversight of PAGCOR and certified by independent testing laboratories for game fairness and Random Number Generator (RNG) integrity. The outcomes of all phmob games are determined by certified RNG or physical dealing/spinning in the case of live dealer games — human intervention to alter outcomes is not possible.

In the event of a technical malfunction during a game session — including disconnection, server errors, or game software failures — phmob's policy is to void affected rounds and return any stakes placed in that round to the Player's account. phmob is not liable for any consequential loss alleged to have resulted from a technical malfunction, including any potential winnings the Player claims they would have received.

In the event of a dispute regarding a game outcome, the game server logs maintained by phmob and the relevant game provider shall be the definitive record. phmob's determination of game outcomes following review of server logs is final and binding.

phmob reserves the right to void any bet or series of bets placed in error — including bets placed at manifestly incorrect odds, bets placed on unavailable markets, or bets that result from a software or data error — and to return stakes to the Player's Account.

The following conduct is strictly prohibited on the phmob Platform and may result in immediate Account suspension or permanent closure, forfeiture of funds, and reporting to PAGCOR and relevant Philippine law enforcement agencies:

• Providing false, misleading, or fraudulent information at registration or at any point during Account operation.
• Registering more than one Account or accessing phmob after Account closure through a new registration.
• Using automated software, bots, scripts, or any artificial intelligence tool to interact with games or exploit platform features.
• Engaging in collusion with other Players to manipulate game outcomes, particularly in live poker or card games.
• Cheating, exploiting software bugs or errors, or using any unauthorized technical advantage.
• Laundering money or using the phmob Platform to disguise the origin of illegally obtained funds.
• Depositing funds using a stolen, unauthorized, or third-party payment method.
• Harassing, threatening, or abusing phmob staff or other Players through the live chat or any other communication channel.
• Attempting to reverse-engineer, copy, or distribute any phmob Platform software or content.
• Accessing phmob from a Prohibited Jurisdiction using a VPN or other technology to circumvent geographic restrictions.

Where phmob reasonably suspects prohibited conduct, it may immediately suspend the Account, withhold pending withdrawals, and conduct an investigation. phmob will cooperate fully with PAGCOR and Philippine law enforcement in any investigation relating to fraud, money laundering, or other criminal activity connected to an Account.

phmob is committed to promoting responsible gaming and to minimizing the risk of gambling-related harm among its Players. All games and betting services on phmob are intended solely as entertainment for adults aged 21 and above.

phmob provides the following responsible gaming tools free of charge to all Players, accessible at any time through Account settings:

• Deposit Limits: Daily, weekly, and monthly deposit caps. Reductions take effect immediately; increases are subject to a 24-hour cooling-off period.
• Loss Limits: Caps on the amount a Player may lose within a defined period.
• Session Time Reminders: Automated alerts after a Player-defined duration of continuous play.
• Reality Checks: Regular on-screen notifications of time elapsed and net session result.
• Cooling-Off Period: Temporary account suspension from 24 hours to six weeks, during which the Player cannot access games or deposit.
• Self-Exclusion: Permanent exclusion from the phmob Platform. Self-exclusion is enforced immediately. Reinstatement after permanent self-exclusion requires a mandatory minimum waiting period and review by phmob's responsible gaming team.

Players who are concerned about their own gambling or the gambling of someone they know are encouraged to use these tools and to seek assistance from the PAGCOR responsible gaming helpline and other recognized Philippine counselling resources.

All content on the phmob Platform — including but not limited to software, game content, graphics, text, logos, trademarks, audio, video, and user interface design — is the exclusive property of phmob or its licensed game providers and is protected by applicable intellectual property law in the Philippines and internationally.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phmob Platform solely for the purpose of personal, non-commercial gaming entertainment, subject to compliance with these Terms. This licence does not grant you any ownership rights in or to phmob Platform content.

You must not copy, reproduce, redistribute, publish, scrape, frame, or commercially exploit any phmob content without prior written consent. Unauthorized use of phmob intellectual property may result in civil and criminal liability under Philippine law.

phmob collects, processes, stores, and shares your personal data in accordance with its Privacy Policy, which is incorporated by reference into these Terms. By registering an Account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

phmob complies with applicable Philippine data protection legislation, including the Data Privacy Act of 2012 (Republic Act No. 10173). phmob maintains appropriate technical and organizational security measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction.

phmob may be required to disclose Player information to PAGCOR, Philippine law enforcement, or other regulatory bodies where required by law or where phmob has legitimate grounds to believe disclosure is necessary to prevent criminal activity.

To the maximum extent permitted by applicable Philippine law, phmob's total aggregate liability to any Player for any claim arising out of or related to the use of the phmob Platform shall not exceed the total amount deposited by that Player in the twelve (12) months immediately preceding the event giving rise to the claim.

phmob shall not be liable for:

• Any indirect, incidental, special, or consequential loss or damage arising from your use of the phmob Platform.
• Loss of profits, revenue, anticipated savings, data, or goodwill.
• Losses arising from system downtime, technical malfunctions, internet connectivity issues, or Force Majeure events.
• Losses arising from your failure to maintain the security of your Account credentials.
• Losses arising from your voluntary decision to gamble, including the inherent risk of financial loss in all gaming activities.

Nothing in these Terms excludes or limits phmob's liability for death or personal injury caused by phmob's negligence, fraud, or any other liability that cannot be lawfully excluded under applicable Philippine law.

If you have a complaint or dispute regarding any aspect of phmob's services — including game outcomes, payment processing, bonus terms, or account management — you should first contact phmob's customer support team via live chat, providing full details of the complaint. phmob will acknowledge your complaint within 24 hours and provide a substantive response within five (5) business days.

If you are not satisfied with phmob's resolution, you may escalate the complaint to PAGCOR, which serves as the ultimate regulatory authority for disputes between Players and licensed operators in the Philippines. PAGCOR's determination on regulatory matters is final.

All disputes must be raised within thirty (30) days of the event giving rise to the dispute. Claims raised after this period will not be entertained except where phmob determines, in its sole discretion, that exceptional circumstances apply.

You may close your phmob Account at any time by contacting customer support. Upon closure at your request, any remaining Real Money Funds balance will be returned to your registered withdrawal method, subject to standard KYC verification and provided no open bets, investigations, or pending disputes are outstanding. Bonus funds are forfeited upon voluntary Account closure.

phmob reserves the right to suspend or permanently close your Account without prior notice in the following circumstances:

• Breach of any provision of these Terms, our Privacy Policy, or our Responsible Gaming Policy.
• Reasonable suspicion of fraud, money laundering, or other criminal activity.
• Failure to provide requested verification documentation within a reasonable timeframe.
• Provision of false or misleading registration information.
• Court order, regulatory direction, or instruction from PAGCOR or any other competent authority.
• Business decision by phmob to discontinue services, subject to reasonable prior notice where possible.

phmob reserves the right to amend, modify, update, or replace these Terms at any time. Material changes will be communicated to registered Players via email to the address registered with the Account and/or via a prominent notice on the phmob Platform prior to the effective date of the change.

Where a material amendment adversely affects your rights as a Player, phmob will provide at least seven (7) days' notice before the amendment takes effect, during which time you may choose to close your Account on existing terms if you do not agree to the changes.

Your continued use of the phmob Platform after any amendment takes effect constitutes your acceptance of the revised Terms. The current version of these Terms is always accessible on the phmob website and supersedes all prior versions.

These Terms and any dispute or claim arising out of or in connection with them — whether contractual, tortious, or otherwise — shall be governed by and construed in accordance with the laws of the Republic of the Philippines.

phmob operates under a PAGCOR license and is subject to PAGCOR's regulatory authority and the applicable gaming laws and regulations of the Philippines. All matters relating to the legality and conduct of gaming activities on the phmob Platform are determined under Philippine law.

Any legal proceedings arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of the Republic of the Philippines, unless the matter falls within the regulatory jurisdiction of PAGCOR.

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be severed from the remaining Terms, which shall continue in full force and effect.