phmac Terms & Conditions

1 General Provisions

These Terms and Conditions ("Terms") govern the use of all services provided by phmac ("phmac", "we", "us", or "our") through the website located at phmac.cam and any associated mobile applications, tools, or platforms (collectively, the "Platform"). These Terms apply to all users who access, browse, register on, or in any way utilize the Platform, whether as a registered member or a guest visitor.

By accessing the phmac Platform, you ("User", "you", or "your") agree to be bound by these Terms, together with phmac's Privacy Policy and any additional terms applicable to specific promotions, games, or services offered on the Platform. Where any additional terms conflict with these Terms, the additional terms shall take precedence in respect of the specific service or promotion to which they apply.

phmac reserves the right to modify, update, or replace these Terms at any time. Continued use of the Platform following any such changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically for updates.

2 Eligibility

To register for and use a phmac account, you must satisfy all of the following eligibility criteria at all times:

• You must be at least 21 years of age. This age requirement is mandatory under PAGCOR's responsible gaming framework applicable to casino-style online gaming in the Philippines.
• You must be legally permitted to participate in online gambling under the laws of the jurisdiction in which you are located at the time of play.
• You must not be a resident of any jurisdiction in which online gambling is prohibited by applicable law.
• You must not be a current employee, director, officer, or contractor of phmac, or an immediate family member of any such person.
• You must have full legal capacity to enter into a binding agreement under the laws of the Republic of the Philippines.
• You must not have been previously self-excluded from phmac or any affiliated gaming platform in connection with a responsible gaming request that remains in effect.

3 Account Registration

3.1 Registration Requirements

To access phmac's gaming services, you must create a registered account by completing the registration process on the Platform. You agree to provide accurate, current, and complete information during registration and to update such information promptly if it changes.

3.2 One Account Policy

Each individual person may hold only one (1) active phmac account. The creation of multiple accounts by a single individual, whether under the same or different identities, is strictly prohibited. phmac reserves the right to close duplicate accounts, void associated bonuses and winnings, and permanently suspend the user from the Platform.

3.3 Account Security

You are solely responsible for maintaining the confidentiality of your phmac login credentials, including your username and password. You agree to:

• Not share your login credentials with any third party under any circumstances.
• Use a strong, unique password that is not used for any other online account.
• Enable two-factor authentication (2FA) on your phmac account as an additional layer of security.
• Notify phmac's support team immediately upon becoming aware of any unauthorized access to or use of your account.

phmac shall not be liable for any loss or damage arising from your failure to safeguard your login credentials. All activity conducted through your phmac account prior to notification of unauthorized access is deemed to have been authorized by you.

3.4 Identity Verification (KYC)

phmac may require you to complete a Know Your Customer (KYC) verification process at any time, including at registration, before processing a withdrawal, or as part of an ongoing compliance review. Acceptable documents include a valid Philippine government-issued ID (e.g., PhilSys ID, driver's license, passport, UMID). Failure to complete KYC verification within a reasonable timeframe may result in account restrictions.

4 Deposits & Withdrawals

4.1 Deposits

phmac accepts deposits via GCash, Maya, QR Ph, GrabPay, BPI, BDO, 7-Eleven, and other payment methods as displayed on the Platform from time to time. All deposits are processed in Philippine Pesos (PHP). Minimum and maximum deposit limits apply and are displayed at the point of transaction.

You may only deposit funds using payment methods registered in your own name. Deposits made using third-party payment accounts are prohibited and may result in account suspension and refund of the deposit to the original payment source.

4.2 Withdrawals

Withdrawal requests are subject to the following conditions:

• Your account must have completed identity verification (KYC) before any withdrawal is processed.
• Withdrawals will only be processed to a payment method previously used to make a deposit into your phmac account and registered in your name.
• Active bonus funds and funds subject to active wagering requirements are not eligible for withdrawal until all wagering conditions have been met.
• phmac reserves the right to conduct additional verification checks before approving any withdrawal request.
• Withdrawal processing times vary by payment method. GCash and Maya withdrawals are typically processed within 24 hours; bank transfers may take 1–3 business days.

5 Bonuses & Promotions

5.1 General Bonus Terms

phmac may offer bonuses, free bets, free spins, cashback offers, reload bonuses, and other promotional credits to eligible players from time to time. All bonuses are subject to the specific terms and conditions published alongside each promotion, in addition to these general Terms.

5.2 Wagering Requirements

All bonus funds, unless explicitly stated otherwise, are subject to wagering requirements before they or any winnings derived from them may be withdrawn. Wagering requirements are expressed as a multiplier (e.g., 30x) applied to the bonus amount or the combined deposit-plus-bonus amount, as specified per promotion. Not all game types contribute equally to wagering requirements.

5.3 Bonus Abuse

phmac reserves the right to void bonuses and any associated winnings, and to suspend or close accounts, where it determines that a player has engaged in bonus abuse. Bonus abuse includes, without limitation:

• Creating multiple accounts to claim the same bonus more than once.
• Exploiting low-risk betting strategies specifically designed to circumvent wagering requirements.
• Coordinating with other players to cycle bonus funds between accounts.
• Using automated software to place bets while a bonus is active.

5.4 Expiry

Bonus funds that are not wagered within the timeframe specified in the applicable promotion terms will automatically expire and be removed from your account balance. phmac is not obligated to notify you before a bonus expires.

6 Game Rules & Fair Play

All casino games, slots, live dealer games, sports betting markets, and bingo games offered on the phmac Platform are governed by the individual game rules published for each game or market. In the event of a conflict between individual game rules and these Terms, the individual game rules shall prevail in respect of that specific game.

phmac uses certified Random Number Generation (RNG) technology for all virtual games. All RNG games are independently tested to verify statistical fairness. Live dealer games are conducted by trained live croupiers and streamed in real time. phmac makes no representation that any particular outcome is guaranteed.

7 Prohibited Conduct

The following activities are expressly prohibited on the phmac Platform. Engaging in any prohibited activity may result in immediate account suspension, permanent closure, forfeiture of balances, and reporting to relevant authorities:

• Fraudulent activity: Providing false information during registration or KYC, using stolen payment methods, or attempting to deceive phmac in any manner.
• Collusion: Coordinating with other players to gain an unfair advantage in any game, particularly poker or multiplayer casino games.
• Chargebacks: Initiating a chargeback or payment dispute with your bank or payment provider in bad faith after depositing funds.
• Automated play: Using bots, scripts, or other automated tools to place bets or interact with any part of the phmac Platform.
• Exploitation of errors: Deliberately exploiting software glitches, pricing errors, or technical vulnerabilities for financial gain.
• Money laundering: Using the phmac Platform to launder funds derived from any illegal activity. phmac complies with applicable anti-money laundering (AML) regulations and will report suspicious activity to relevant authorities.
• Underage gambling: Attempting to access phmac services while under 21 years of age, or facilitating access by a person under 21.

8 Account Suspension & Closure

8.1 Closure by phmac

phmac reserves the right to suspend, restrict, or permanently close any account at its sole discretion, with or without prior notice, where it has reasonable grounds to believe that the account holder has violated these Terms, engaged in prohibited conduct, or where closure is required by applicable law or regulatory obligation. In cases of confirmed fraud or money laundering, all balances may be forfeited.

8.2 Closure by the Player

You may request the closure of your phmac account at any time by contacting our customer support team via live chat. Prior to closure, any remaining real-money balance (excluding bonus funds subject to active wagering requirements) will be returned to you via your registered withdrawal method, subject to standard verification procedures.

8.3 Self-Exclusion

phmac provides self-exclusion tools for players who wish to take a break from gaming for responsible gaming reasons. Self-exclusion requests are processed permanently or for specified cooling-off periods. A self-excluded account will not be reopened during the exclusion period regardless of the player's subsequent requests. Please refer to the Responsible Gaming section or visit our Responsible Gaming page for full details.

9 Responsible Gaming

phmac is committed to promoting responsible gaming practices. We believe that gambling is a form of entertainment and should remain that way. We offer the following responsible gaming tools to all registered players:

• Deposit limits (daily, weekly, monthly)
• Loss limits
• Session time reminders and limits
• Reality check notifications
• Self-exclusion (cooling-off or permanent)
• Account activity history

These tools can be accessed through your phmac account settings. If you believe your gambling is causing harm to yourself or others, we strongly encourage you to use these tools and to reach out to PAGCOR's responsible gaming support resources. phmac strictly enforces the 21+ age requirement and will not facilitate underage gambling under any circumstances.

10 Intellectual Property

All content on the phmac Platform, including but not limited to text, graphics, logos, icons, images, game interfaces, software, and the overall design and layout of the Platform, is the property of phmac or its licensors and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the phmac Platform without our express prior written consent.

11 Limitation of Liability

To the fullest extent permitted by applicable law, phmac, its officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or service interruption, arising out of or in connection with your use of the phmac Platform or these Terms.

phmac's total aggregate liability to you for any cause whatsoever, and regardless of the form of the action, shall not exceed the total amount deposited by you into your phmac account during the six (6) months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable Philippine law.

12 Privacy & Data Protection

phmac collects, processes, and stores personal data in accordance with our Privacy Policy, which forms part of these Terms and is incorporated herein by reference. By using the phmac Platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, alteration, or disclosure. For full details on how we handle your data, please review our Privacy Policy.

13 Amendments to These Terms

phmac reserves the right to amend these Terms and Conditions at any time. Where changes are material, we will endeavor to provide reasonable notice to registered users via email, on-platform notification, or by posting a notice on the phmac homepage. The effective date of each version of these Terms will be displayed at the top of this page.

Your continued use of the phmac Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with any change, you must stop using the Platform and may request account closure as described in Section 8.2.

14 Governing Law & Dispute Resolution

These Terms and Conditions 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.

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the phmac Platform, the parties shall first attempt to resolve the matter through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, it shall be submitted to the jurisdiction of the appropriate courts of the Philippines.

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

15 Contact Information

If you have any questions about these Terms and Conditions, wish to raise a complaint, or need assistance with your phmac account, our support team is available 24/7 via live chat on the Platform.

For written enquiries, you may contact us by email at: [email protected]

phmac serves players across Manila, Cebu, Davao, Quezon City, Makati, and all provinces of the Philippines. Support is available in both English and Tagalog.