phalago Terms & Conditions

01 Definitions

For the purposes of this Agreement, the following definitions apply:

• "Platform" means the phalago website, mobile-optimised site, and all associated services accessible at phalago.org.
• "Account" means the registered player account created by you on the phalago platform.
• "Balance" means the total of real-money funds held in your phalago account, excluding bonus funds unless otherwise specified.
• "Bonus Funds" means any promotional credits, free spins, cashback, or other incentives credited to your account under a phalago promotion.
• "Wagering Requirement" means the number of times a bonus amount must be wagered before it or any associated winnings become eligible for withdrawal.
• "KYC" means Know Your Customer — the identity and age verification process required under PAGCOR regulations and phalago's internal compliance procedures.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the government body responsible for regulating gaming activities in the Philippines.

02 Eligibility

To register and maintain an active phalago account, you must satisfy all of the following eligibility requirements at all times:

• You must be at least 21 years of age, as required by PAGCOR regulations governing online gambling in the Philippines.
• You must be physically located in a jurisdiction where online gambling is lawful at the time of play.
• You must not be a current employee, contractor, director, or immediate family member of phalago or any of its affiliated entities.
• You must not be subject to any self-exclusion order, whether imposed by phalago or by any regulatory authority.
• You must have the legal capacity to enter into a binding contract under Philippine law.

phalago 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 pending withdrawals pending investigation.

03 Account Registration

Each individual may register only one (1) phalago account. The creation of multiple accounts by a single individual — whether using different names, email addresses, mobile numbers, or payment methods — is strictly prohibited and constitutes a material breach of this Agreement.

When registering, you agree to provide accurate, complete, and current information. You are responsible for maintaining the accuracy of your account information and must update it promptly if any details change. phalago is not liable for any loss or inconvenience arising from inaccurate account information provided by you.

You are solely responsible for maintaining the confidentiality of your phalago account credentials, including your password and any two-factor authentication codes. You must not share your login details with any third party. Any activity conducted through your account — whether authorised by you or not — is your responsibility unless you have promptly notified phalago of unauthorised access.

• Account registration is free of charge.
• phalago reserves the right to decline any registration application without providing a reason.
• Accounts registered using false or misleading information may be closed without notice and any balance forfeited.
• Corporate accounts, shared accounts, and accounts registered on behalf of another person are not permitted.

04 Deposits & Withdrawals

phalago supports deposits and withdrawals in Philippine Peso (₱) via the following payment methods: GCash, PayMaya, BPI, BDO, and Metrobank. Additional payment methods may be added or removed at phalago's discretion with reasonable notice to players.

Deposits: Deposits are credited to your phalago account balance upon confirmation of receipt. GCash and PayMaya deposits are typically processed within seconds. Bank transfer deposits may take up to one (1) business day depending on the sending institution. Minimum and maximum deposit limits apply and are displayed at the point of transaction.

Withdrawals: Withdrawal requests are subject to the following conditions:

• Your account must have completed KYC verification before any withdrawal is processed.
• Withdrawals must be made to a payment method registered in your own name — third-party withdrawals are not permitted.
• Minimum withdrawal amounts apply and are displayed at the point of request.
• phalago targets withdrawal processing within one (1) to three (3) business days, though processing times may vary depending on the payment provider.
• phalago reserves the right to conduct additional verification checks before processing any withdrawal, particularly for large amounts or accounts flagged for unusual activity.

phalago does not charge fees on standard deposits or withdrawals. However, your bank or e-wallet provider may apply their own transaction fees, for which phalago accepts no responsibility.

05 Bonuses & Promotions

phalago offers various promotional bonuses to eligible players from time to time. All bonuses are subject to the specific terms published alongside each promotion, in addition to the general bonus conditions set out here.

• Bonus funds are credited separately from real-money balance and are subject to wagering requirements before they or any associated winnings may be withdrawn.
• Unless stated otherwise, the standard wagering requirement for phalago bonuses is thirty-five times (35x) the bonus amount.
• Wagering requirements must be completed within the validity period specified in the promotion terms. Unused bonus funds expire at the end of the validity period.
• phalago reserves the right to withdraw, modify, or cancel any promotion at any time. Where a promotion is cancelled after bonus funds have been credited, affected players will be given reasonable notice.
• Bonuses may not be transferred between accounts or exchanged for cash outside of the applicable wagering requirements.
• phalago reserves the right to reclaim bonus funds and any winnings derived from them if it determines that a player has abused the bonus system, including through the use of multiple accounts or coordinated play.

06 Gameplay Rules

All games available on the phalago platform are governed by individual game rules, which are accessible within each game interface. In the event of a conflict between individual game rules and this Agreement, this Agreement prevails unless the game rules expressly state otherwise.

• Game outcomes are determined by certified random number generators (RNGs) or, in the case of live dealer games, by physical dealing and spinning processes conducted in real time.
• phalago is not responsible for interrupted gameplay caused by network connectivity issues on the player's side. Where a game round is interrupted due to a platform-side technical fault, phalago will endeavour to restore the game state or credit the player's account appropriately.
• Bets placed and accepted are final. phalago does not accept requests to cancel or reverse bets after they have been confirmed by the system.
• In the event of a software malfunction or error that results in an incorrect game outcome or payout, phalago reserves the right to void the affected round and return the wagered amount to the player's balance.
• Maximum bet limits apply to certain games and bonus play. Exceeding maximum bet limits during bonus play may result in the forfeiture of bonus funds and associated winnings.

07 Prohibited Conduct

The following conduct is strictly prohibited on the phalago platform. Engaging in any prohibited conduct constitutes a material breach of this Agreement and may result in immediate account suspension, forfeiture of balance, and referral to relevant authorities:

• Registering more than one account, or assisting another person in circumventing the single-account rule.
• Providing false, misleading, or fraudulent information during registration or KYC verification.
• Using the platform for any form of money laundering, fraud, or other financial crime.
• Exploiting software bugs, glitches, or vulnerabilities to gain an unfair advantage.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with the platform in place of genuine human play.
• Colluding with other players to manipulate game outcomes, particularly in live dealer or poker-format games.
• Engaging in any form of bonus abuse, including but not limited to: creating multiple accounts to claim welcome bonuses, using low-risk betting strategies to clear wagering requirements, or coordinating with other players to exploit promotional terms.
• Accessing the platform from a jurisdiction where online gambling is prohibited by law.
• Allowing a person under 21 years of age to access or use your phalago account.

08 Account Suspension & Closure

phalago reserves the right to suspend, restrict, or permanently close any player account at its sole discretion, including but not limited to the following circumstances:

• Breach of any provision of this Agreement.
• Failure to complete KYC verification within a reasonable period of request.
• Reasonable suspicion of fraudulent activity, money laundering, or other illegal conduct.
• Receipt of a chargeback or payment dispute from a player's bank or e-wallet provider.
• A player's voluntary request for self-exclusion under phalago's responsible gaming policy.
• Regulatory direction from PAGCOR or any other competent authority.

Where an account is closed due to a breach of this Agreement, phalago reserves the right to withhold the account balance pending investigation. Where no breach is found, any remaining real-money balance (excluding bonus funds) will be returned to the player via their registered payment method within a reasonable timeframe.

Players who wish to voluntarily close their account may do so by contacting phalago support. Voluntary account closure requests are processed within five (5) business days.

09 Responsible Gaming

phalago is committed to promoting responsible gaming and providing tools that help players maintain control over their gambling activity. The following responsible gaming tools are available to all registered players directly from the account dashboard:

• Deposit Limits: Set daily, weekly, or monthly deposit caps on your account. Limit reductions take effect immediately; limit increases are subject to a 24-hour cooling-off period.
• Loss Limits: Set a maximum amount you are willing to lose within a defined period.
• Session Time Reminders: Receive notifications after a specified period of continuous play.
• Self-Exclusion: Temporarily or permanently exclude yourself from the phalago platform. Self-exclusion takes effect immediately upon request and cannot be reversed during the exclusion period.

phalago strictly enforces the 21+ age requirement and will not knowingly permit underage individuals to gamble on the platform. If you are concerned about your gambling habits or those of someone you know, we encourage you to seek assistance. Gambling should be entertainment — not a source of financial stress.

For more information on responsible gaming, please visit our dedicated Responsible Gaming page.

10 Intellectual Property

All content on the phalago platform — including but not limited to software, game assets, graphics, logos, text, audio, and video — is the intellectual property of phalago or its licensed content providers and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phalago platform for personal, non-commercial entertainment purposes only. This licence does not permit you to:

• Copy, reproduce, distribute, or publicly display any platform content without prior written consent from phalago.
• Reverse-engineer, decompile, or disassemble any software component of the platform.
• Use phalago's trademarks, logos, or brand assets in any manner without express written authorisation.
• Create derivative works based on any platform content.

Any unauthorised use of phalago's intellectual property may result in account termination and legal action.

11 Limitation of Liability

To the maximum extent permitted by applicable Philippine law, phalago's total liability to you for any claim arising out of or in connection with your use of the platform — whether in contract, tort, or otherwise — shall not exceed the total amount deposited by you into your phalago account in the thirty (30) days preceding the event giving rise to the claim.

phalago shall not be liable for any of the following, whether direct or indirect:

• Loss of profits, revenue, or anticipated savings.
• Loss of data or corruption of data.
• Interruption of service due to scheduled maintenance, force majeure events, or third-party infrastructure failures.
• Any loss arising from your reliance on information provided on the platform that is subsequently found to be inaccurate.
• Losses arising from unauthorised access to your account where you have failed to maintain the security of your login credentials.

Nothing in this Agreement limits phalago's liability for death or personal injury caused by its negligence, fraud, or any other liability that cannot be excluded under Philippine law.

12 Privacy & Data Protection

phalago collects, processes, and stores personal data in accordance with its Privacy Policy, which forms part of this Agreement by reference. By registering a phalago account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

phalago implements industry-standard security measures — including 256-bit SSL encryption — to protect your personal and financial data. However, no data transmission over the internet can be guaranteed to be completely secure, and phalago cannot warrant the absolute security of information transmitted to or from the platform.

phalago will not sell your personal data to third parties. Data may be shared with regulatory authorities, payment processors, and identity verification providers where required for compliance purposes.

13 Governing Law & Dispute Resolution

This Agreement is governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising out of or in connection with this Agreement — including disputes relating to its existence, validity, or termination — shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

Before initiating formal legal proceedings, players are encouraged to contact phalago's support team to seek an informal resolution. phalago commits to responding to all formal complaints within five (5) business days.

Where a dispute relates to a regulatory matter, players may also refer their complaint to PAGCOR in accordance with applicable gaming regulations.

14 Amendments to These Terms

phalago reserves the right to amend, update, or replace these Terms & Conditions at any time. Where changes are material, phalago will provide reasonable notice to registered players via email or an in-platform notification at least seven (7) days before the changes take effect.

Your continued use of the phalago platform after the effective date of any amendment constitutes your acceptance of the revised terms. If you do not agree to the amended terms, you must cease using the platform and may request account closure in accordance with Section 8 of this Agreement.

The most current version of these Terms & Conditions is always available at phalago.org/terms-conditions. The "Last Updated" date at the top of this page reflects the date of the most recent revision.

15 Contact Information

If you have any questions, concerns, or complaints regarding these Terms & Conditions or your phalago account, please contact our support team: