phaa Terms & Conditions

1 Acceptance of Terms

These Terms and Conditions ("Terms") apply to all users of the phaa online gaming platform, accessible at phaa.app ("the Platform," "phaa," "we," "us," or "our"). By registering an account, logging in, depositing funds, or participating in any game or promotion offered through phaa, you ("the Player," "you," or "your") unconditionally accept these Terms in their entirety.

These Terms should be read in conjunction with phaa's Privacy Policy and Responsible Gaming Policy, both of which are incorporated herein by reference and form part of the overall agreement between you and phaa.

phaa reserves the right to update, modify, or replace any part of these Terms at any time. Continued use of the Platform following the posting of any changes constitutes acceptance of those changes. It is your responsibility to review these Terms periodically. The effective date at the top of this document reflects the most recent revision.

2 Eligibility

Access to and use of the phaa Platform is subject to the following eligibility requirements, all of which must be satisfied at the time of registration and maintained throughout your use of the Platform:

• Age: You must be at least 21 years of age. Under Philippine law and PAGCOR regulations, participation in casino-style gambling is restricted to individuals aged 21 and above. phaa strictly enforces this requirement and will request identity verification documents to confirm your age.
• Jurisdiction: You must be physically located in a jurisdiction where online gambling is not prohibited by applicable law. phaa primarily serves players in the Republic of the Philippines. It is your sole responsibility to ensure that accessing phaa is lawful in your location.
• Legal Capacity: You must have full legal capacity to enter into a binding contract under Philippine law. Persons who have been declared legally incapacitated by a court of competent jurisdiction are not permitted to register.
• One Account Per Person: Each individual may hold only one active phaa account. Registering multiple accounts is a material breach of these Terms and will result in the suspension of all associated accounts and forfeiture of any balances therein.
• Not a Prohibited Person: You must not be an employee, contractor, director, officer, or immediate family member of phaa or any of its affiliated companies, game providers, or payment processors.
• Self-Exclusion Status: You must not be subject to a self-exclusion order, whether imposed by phaa or by any regulatory authority, including PAGCOR.

phaa reserves the right to request documentary proof of eligibility at any time. Failure to provide satisfactory documentation within a reasonable period may result in account suspension and withholding of funds pending verification.

3 Account Registration and Security

To access the full range of phaa services, you must register a player account. During registration, you are required to provide accurate, complete, and current information, including your full legal name, date of birth, Philippine mobile number, and a valid email address. Providing false or misleading information during registration is a violation of these Terms and may constitute fraud under applicable Philippine law.

Know Your Customer (KYC) Verification: phaa is required to verify the identity of all players in accordance with PAGCOR anti-money laundering guidelines. You may be required to submit a government-issued photo ID (such as a Philippine passport, SSS ID, PhilHealth ID, or driver's license), proof of address, and proof of payment method ownership. Accounts that fail to complete KYC verification within the required timeframe may have their withdrawal privileges suspended.

Account Security: You are solely responsible for maintaining the confidentiality of your phaa login credentials, including your password and any one-time PINs sent to your registered mobile number. You must not share your credentials with any third party. phaa will never ask for your password via email, live chat, or any other channel. Any activity conducted through your account while your credentials are in use will be deemed to have been authorized by you, unless you have notified phaa of unauthorized access in a timely manner.

If you suspect that your account has been accessed without your authorization, you must contact phaa support immediately via live chat to request an account freeze. phaa will investigate and take appropriate action, but cannot be held liable for losses incurred prior to notification.

4 Deposits and Withdrawals

phaa supports deposits and withdrawals via GCash, PayMaya, BPI, BDO, and Metrobank. All transactions are processed in Philippine Peso (PHP / ₱). phaa does not accept deposits in foreign currencies or via cryptocurrency.

Deposits: Deposits are credited to your phaa wallet upon confirmation from the payment provider. The minimum deposit amount is ₱100. phaa does not charge fees on deposits, though your payment provider may apply their own transaction charges. You are responsible for ensuring that funds deposited into phaa originate from a payment method registered in your own name. Third-party deposits are strictly prohibited.

Withdrawals: Withdrawal requests are processed to the same payment method used for the most recent deposit, subject to KYC verification being complete. The minimum withdrawal amount is ₱200. GCash withdrawals are typically processed within five (5) minutes of approval. Bank transfer withdrawals may take one (1) to three (3) business days depending on the receiving institution. phaa reserves the right to conduct additional verification checks before processing any withdrawal request.

Anti-Money Laundering: phaa is committed to preventing money laundering and the financing of illegal activities. All transactions are monitored in accordance with applicable Philippine anti-money laundering laws. phaa reserves the right to report suspicious transactions to the appropriate authorities and to freeze accounts pending investigation without prior notice.

• Minimum deposit: ₱100 via GCash, PayMaya, BPI, BDO, or Metrobank
• Minimum withdrawal: ₱200 to your registered payment method
• Withdrawals processed only to verified, player-owned accounts
• Third-party deposits and withdrawals are strictly prohibited
• phaa reserves the right to request source-of-funds documentation for large transactions

5 Bonuses and Promotions

phaa may offer bonuses, promotions, free spins, cashback, and other incentives to players from time to time. All bonuses are subject to specific terms and conditions, including wagering requirements, game restrictions, maximum bet limits, and expiration dates. These specific terms are published on the relevant promotion page and must be read in conjunction with these general Terms.

Wagering Requirements: Unless otherwise stated, all bonus funds are subject to a wagering requirement before they can be withdrawn. The standard wagering requirement is 30x the bonus amount. For example, a ₱500 bonus requires ₱15,000 in total wagers before the bonus and any winnings derived from it become withdrawable. Wagering contributions vary by game type: slots typically contribute 100%, while table games and live dealer games may contribute less or be excluded entirely.

Bonus Abuse: phaa reserves the right to void bonuses, cancel winnings, and close accounts in cases of bonus abuse. Bonus abuse includes but is not limited to: registering multiple accounts to claim the same bonus multiple times, using betting strategies designed to exploit bonus terms, colluding with other players, or any other conduct that phaa determines in its sole discretion to be contrary to the spirit of the promotion.

Players who believe a bonus has been incorrectly voided may contact phaa support for review. All bonus-related decisions made by phaa management are final.

6 Game Rules and Fairness

All games offered on the phaa Platform are provided by licensed third-party game developers and are governed by the specific rules published within each game. It is your responsibility to familiarize yourself with the rules of any game before placing a wager. Game rules can typically be accessed via the information or help button within the game interface.

Random Number Generators (RNG): All slot games, video poker, and RNG-based table games on phaa use certified random number generators to ensure fair and unpredictable outcomes. These RNGs are regularly tested by independent third-party auditors to verify compliance with industry fairness standards.

Return to Player (RTP): phaa publishes the theoretical Return to Player percentage for all slot games. RTP represents the percentage of all wagered money that a game will pay back to players over time. RTP is a long-term statistical average and does not guarantee results in any individual session.

Live Dealer Games: Live dealer games such as Baccarat, Roulette, and Blackjack are streamed in real-time from professional studios. Outcomes are determined by physical cards, wheels, or dice, not by software. All live dealer games are subject to the house rules of the game provider and are monitored by live supervisors.

Disconnections: In the event of a disconnection during gameplay, phaa will make reasonable efforts to restore your session. If restoration is not possible, the outcome of the round will be determined according to the game provider's disconnection policy. For live dealer games, the hand or round will be completed according to standard game rules, and results will be reflected in your account history.

7 Prohibited Conduct

The following activities are strictly prohibited on the phaa Platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of funds, and referral to law enforcement authorities where applicable:

• Fraud and Misrepresentation: Providing false information during registration, using stolen payment methods, or attempting to manipulate game outcomes.
• Collusion: Coordinating with other players to gain an unfair advantage, particularly in poker or other player-versus-player games.
• Bonus Abuse: Exploiting bonuses through multiple accounts, coordinated betting patterns, or other schemes designed to circumvent wagering requirements.
• Chargebacks: Initiating a chargeback or payment dispute with your bank or payment provider without first attempting to resolve the issue with phaa support. Unjustified chargebacks will result in permanent account closure.
• Automated Play: Using bots, scripts, or any automated software to place bets or play games. All gameplay must be conducted manually by the registered account holder.
• Hacking and Exploitation: Attempting to gain unauthorized access to phaa systems, exploiting software vulnerabilities, or reverse-engineering game code.
• Money Laundering: Using phaa to launder proceeds of crime or to finance illegal activities. phaa cooperates fully with Philippine law enforcement and regulatory authorities in investigating suspected money laundering.
• Underage Gambling: Allowing any person under the age of 21 to access your phaa account or assisting minors in circumventing age verification measures.

phaa employs sophisticated fraud detection systems and conducts regular audits of player activity. Suspicious patterns will be investigated, and accounts may be frozen pending the outcome of an investigation. phaa's determination of prohibited conduct is final and binding.

8 Responsible Gaming

phaa is committed to promoting responsible gaming and providing tools to help players maintain control over their gambling activity. We recognize that for some individuals, gambling can become problematic, and we take our duty of care seriously.

Self-Imposed Limits: All phaa players have access to deposit limits, loss limits, and session time reminders. These tools can be configured directly from your account settings. Once set, limits cannot be increased for a period of 24 hours, though they can be decreased or removed immediately.

Self-Exclusion: Players who feel they need a break from gambling can request a self-exclusion period of 30 days, 90 days, 6 months, or permanent exclusion. During a self-exclusion period, you will not be able to log in, deposit, or play. Self-exclusion requests can be submitted via live chat or email to [email protected]. Self-exclusion is irreversible for the chosen period.

Support Resources: If you or someone you know is struggling with problem gambling, help is available. phaa provides links to professional support organizations and encourages players to seek assistance when needed. For more information, please visit our Responsible Gaming page.

9 Intellectual Property

All content on the phaa Platform, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, software, and the compilation thereof (collectively, "Content"), is the property of phaa or its licensors and is protected by Philippine and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the phaa Platform for personal, non-commercial entertainment purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any Content without the prior written consent of phaa.

The phaa name, logo, and all related marks are trademarks of phaa. You may not use any phaa trademarks without express written permission. Unauthorized use of phaa trademarks may constitute trademark infringement under Philippine law.

10 Limitation of Liability

To the fullest extent permitted by applicable law, phaa, its directors, officers, employees, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) the phaa Platform;
• Any conduct or content of any third party on the Platform;
• Any content obtained from the Platform;
• Unauthorized access, use, or alteration of your transmissions or content;
• Technical failures, including server downtime, network interruptions, or software errors;
• Any losses incurred as a result of gambling activity on the Platform.

phaa's total liability to you for all claims arising out of or relating to these Terms or your use of the Platform shall not exceed the amount you have deposited into your phaa account in the six (6) months preceding the event giving rise to the claim.

phaa does not guarantee that the Platform will be available at all times or that it will be free from errors, viruses, or other harmful components. You use the Platform at your own risk.

11 Privacy and Data Protection

phaa collects, processes, and stores personal data in accordance with our Privacy Policy, which is incorporated into these Terms by reference. By using the phaa Platform, you consent to the collection and use of your personal information as described in the Privacy Policy.

phaa takes data security seriously and employs industry-standard encryption and security measures to protect your personal and financial information. However, no method of transmission over the internet or electronic storage is 100% secure, and phaa cannot guarantee absolute security.

You have the right to access, correct, or delete your personal data held by phaa, subject to applicable legal and regulatory requirements. Requests regarding your personal data should be directed to [email protected].

12 Amendments to Terms

phaa reserves the right to modify, amend, or replace these Terms at any time, with or without prior notice. Material changes will be communicated to registered players via email or through a prominent notice on the Platform. The "Effective Date" at the top of this document will be updated to reflect the date of the most recent revision.

Your continued use of the phaa Platform following the posting of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must cease using the Platform and may request account closure by contacting support.

It is your responsibility to review these Terms periodically. phaa is not obligated to provide individual notice of changes to every player.

13 Governing Law and Dispute Resolution

These Terms and any disputes arising out of or relating to your use of the phaa Platform shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be resolved through good-faith negotiation between you and phaa. If a dispute cannot be resolved through negotiation within thirty (30) days, either party may submit the dispute to binding arbitration in accordance with the rules of the Philippine Dispute Resolution Center, Inc. (PDRCI).

Arbitration shall take place in Metro Manila, Philippines, and shall be conducted in English. The decision of the arbitrator shall be final and binding on both parties. Each party shall bear its own costs of arbitration, unless the arbitrator determines otherwise.

Notwithstanding the foregoing, phaa reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of phaa's intellectual property rights or confidential information.

14 Contact Information

If you have any questions, concerns, or complaints regarding these Terms and Conditions, or if you require assistance with your phaa account, please contact us through the following channels:

• Live Chat: Available 24/7 via the phaa Platform (click the chat icon in the bottom-right corner)
• Email: [email protected] (general inquiries and account support)
• Legal Inquiries: [email protected] (terms, compliance, and regulatory matters)
• Privacy Requests: [email protected] (data access, correction, or deletion requests)

phaa aims to respond to all inquiries within 24 hours during business days. For urgent account issues, live chat is the fastest method of contact.