phji Terms & Conditions

1. Acceptance of Terms

By accessing, registering for, or otherwise using the phji online gaming platform (the "Platform"), available at phji.app, you ("the Player", "you", or "your") acknowledge that you have read, understood, and agree to be legally bound by these Terms & Conditions (the "Agreement"), together with phji's Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

If you do not agree to any part of this Agreement, you must immediately discontinue your access to and use of the Platform. phji reserves the right to modify, update, or replace any part of these Terms at any time. Continued use of the Platform following the posting of any changes constitutes your acceptance of those changes.

2. Eligibility Requirements

Access to and use of the phji Platform is subject to the following eligibility conditions, all of which must be satisfied at the time of registration and throughout your continued use of the Platform:

• You must be at least 21 years of age, in compliance with PAGCOR regulations governing the minimum age for participation in casino-style gambling in the Philippines.
• You must be accessing the Platform from a jurisdiction in which online gaming is lawful. It is your sole responsibility to ensure that your use of phji is legal in your location.
• You must not be a current employee, contractor, director, officer, or immediate family member of any such person associated with phji or any of its affiliated software providers or licensing partners.
• You must not be registered on any self-exclusion list maintained by phji or any PAGCOR-affiliated gaming exclusion database.
• You must not be acting on behalf of or for the benefit of any third party.

phji reserves the right to request documentary evidence of eligibility at any time, including but not limited to a valid government-issued Philippine identification document (e.g., PhilSys National ID, passport, driver's licence, or UMID card). Failure to provide satisfactory documentation within the stipulated timeframe may result in account suspension and/or forfeiture of any pending withdrawal requests.

3. Account Registration & Security

To access the full range of phji Platform features, you are required to register a personal account. The following conditions apply to the registration and ongoing maintenance of your phji account:

• One account per player: Each individual may hold only one active phji account. The registration of multiple accounts by a single individual, whether under the same or different identifying details, is strictly prohibited.
• Accurate information: You agree to provide accurate, current, and complete information during the registration process and to update such information promptly if it changes. phji may reject or suspend any account where information is found to be false, misleading, or incomplete.
• Account security: You are solely responsible for maintaining the confidentiality of your login credentials, including your username and password. You must not share your account access with any other person. phji will not be liable for any loss or damage arising from your failure to keep your credentials secure.
• Unauthorised access: You must notify phji immediately at [email protected] if you become aware of or suspect any unauthorised access to your account.
• KYC verification: In compliance with applicable anti-money laundering (AML) legislation and PAGCOR regulatory requirements, phji conducts Know Your Customer (KYC) verification. You agree to cooperate fully with any KYC process initiated by phji, including the submission of identity documents, proof of address, and source-of-funds declarations where required.

4. Deposits & Withdrawals

All financial transactions on the phji Platform are processed in Philippine Peso (₱ PHP). phji supports the following payment methods for deposits and withdrawals: GCash, PayMaya, BPI, BDO, Metrobank, Visa, and Mastercard.

4.1 Deposits

• A minimum deposit of ₱100 applies unless otherwise stated for a specific payment method or promotional offer.
• Deposits are credited to your phji account balance upon confirmation from your payment provider. Processing times vary by method; GCash and PayMaya deposits are typically credited within minutes.
• phji does not accept deposits from third-party payment sources. All deposits must originate from a payment method registered in your own name.
• phji reserves the right to refuse any deposit transaction that raises AML or fraud concerns.

4.2 Withdrawals

• Withdrawals will only be processed to a payment method that matches the identity on your verified phji account.
• phji reserves the right to require full KYC completion before processing any withdrawal request.
• Standard GCash and PayMaya withdrawals are typically processed within 15 minutes of approval. Bank transfers to BPI, BDO, and Metrobank are processed within the same Philippine business day, subject to bank cut-off times.
• phji does not charge platform-side withdrawal fees on standard transactions. Your bank or e-wallet provider may apply their own fees, for which phji accepts no responsibility.
• Bonus funds are subject to wagering requirements before they become eligible for withdrawal. Please refer to Section 5 of these Terms.

5. Bonuses & Promotions

phji offers various bonuses, promotions, and loyalty rewards to eligible players from time to time. All such offers are subject to the following general conditions, as well as any specific terms communicated alongside each individual offer:

• Bonuses are available to eligible registered players aged 21 and above who have completed any applicable verification requirements.
• Unless otherwise stated, all bonus funds are subject to a wagering requirement before they may be withdrawn. The specific wagering multiplier, eligible games, and time limits applicable to each bonus will be clearly stated in the individual offer terms.
• phji reserves the right to modify, suspend, or withdraw any promotional offer at any time without prior notice.
• Bonuses may not be transferred, exchanged for cash (prior to meeting wagering requirements), or applied retroactively to prior transactions.
• Players who phji determines to be abusing the promotional system — including through the use of multiple accounts, coordinated wagering strategies, or systematic low-risk betting designed to clear bonuses — will have their bonuses voided and may have their accounts suspended or permanently closed.
• Only one welcome bonus per household, device, IP address, or payment method is permitted unless explicitly stated otherwise.

6. Betting Rules & Game Conduct

All games and betting markets available on the phji Platform are governed by the following general rules, supplemented by specific rules applicable to each individual game type or sport:

• All bets are final once confirmed. phji does not accept requests to cancel or amend a bet after it has been accepted by the system, except in the case of a manifest technical error as described below.
• phji uses certified Random Number Generation (RNG) technology for all applicable games. The integrity of all game outcomes is subject to independent testing and verification.
• In the event of a technical error, disconnection, or system failure that affects the outcome of a game or bet, phji reserves the right to void the relevant transaction. Where a game round is interrupted, phji will endeavour to restore the session to its last valid state. If this is not possible, the wager will be refunded.
• phji reserves the right to void any bet placed at manifestly incorrect odds or on a market that was offered in error. Players will be notified and the stake refunded promptly.
• For sports betting markets, phji's trading team has the final authority on the settlement of all bets. In the case of a disputed settlement, Players must raise a formal complaint within 30 days of the relevant event result.
• Live in-play betting markets may be suspended at any time at phji's discretion. Bets accepted prior to suspension remain valid unless voided under the criteria above.

7. Prohibited Conduct

The following conduct is strictly prohibited on the phji Platform. Breach of any of these prohibitions may result in immediate account suspension, permanent closure, forfeiture of account balances, and/or referral to relevant Philippine law enforcement authorities:

• Fraud and misrepresentation: Providing false registration details, impersonating another person, or otherwise attempting to deceive phji or any other player.
• Money laundering: Using the Platform for any purpose related to the concealment, conversion, or transfer of proceeds of crime, in violation of the Philippines' Anti-Money Laundering Act (AMLA) and its implementing rules.
• Collusion: Coordinating with other players to gain an unfair advantage in any game, including but not limited to sharing hole cards in poker, chip dumping, or any other form of collaborative cheating.
• Automated software: Using bots, scripts, artificial intelligence tools, or any other automated betting or gaming software not expressly authorised by phji.
• Exploitation of errors: Deliberately exploiting any technical error, software bug, or pricing mistake to gain an unfair advantage. Any winnings derived from such exploitation will be voided.
• Chargebacks: Initiating a chargeback or payment dispute with your bank or e-wallet provider without first contacting phji's support team to resolve the issue through phji's internal dispute process.
• Minors: Allowing or facilitating access to the Platform by any person under the age of 21, or registering an account on behalf of a minor.

8. Responsible Gaming

phji is committed to promoting responsible gaming in accordance with PAGCOR's guidelines and the phji Responsible Gaming Policy. The following tools are available to all registered players via the account dashboard:

• Deposit limits: Set daily, weekly, or monthly deposit caps on your account.
• Session time reminders: Receive periodic notifications of time spent on the Platform during a single session.
• Cooling-off periods: Temporarily suspend your account for a defined period of between 24 hours and 6 weeks.
• Self-exclusion: Request a permanent or extended self-exclusion from the Platform. Self-exclusion requests will be processed within 24 hours. Once a self-exclusion is in place, phji will not re-activate the account during the exclusion period under any circumstances.
• Reality checks: Set periodic prompts that display your session duration and net gaming result.

For information on the full range of responsible gaming resources available, including links to external support organisations accessible to players in the Philippines, please visit our Responsible Gaming page. phji also encourages any player who feels they may have a problem with gambling to seek professional support immediately.

9. Intellectual Property

All content on the phji Platform — including but not limited to software, source code, game assets, graphics, logos, trademarks, service marks, text, audio, video, and user interface elements — is the exclusive property of phji or its licensors and is protected under applicable Philippine and international intellectual property law.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial entertainment purposes in accordance with these Terms. This licence does not permit you to:

• Copy, reproduce, distribute, publish, or create derivative works from any Platform content without phji's prior written consent.
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of any part of the Platform software.
• Use phji's name, logo, or trademarks in any manner that could cause confusion, disparagement, or reputational harm.
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices appearing on the Platform.

10. Privacy & Data Protection

phji collects, processes, and stores personal data in accordance with its Privacy Policy, which forms an integral part of this Agreement. By using the Platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.

phji complies with applicable Philippine data privacy legislation, including the Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules and regulations. Key data protection principles observed by phji include:

• Personal data is collected only to the extent necessary for the purposes identified in the Privacy Policy.
• Data is stored securely using industry-standard encryption and access controls.
• Personal data will not be sold to third parties. It may be shared with regulated third-party service providers (e.g., payment processors, KYC verification services) strictly for Platform operation purposes.
• Players have the right to access, correct, and in certain circumstances request the deletion of their personal data by contacting [email protected].

11. Limitation of Liability

To the fullest extent permitted by applicable Philippine law, phji, its directors, officers, employees, agents, affiliates, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Platform, even if phji has been advised of the possibility of such damages.

Without limiting the foregoing, phji shall not be liable for:

• Any loss of funds resulting from your failure to maintain the security of your account credentials.
• Any interruption, suspension, or termination of Platform services due to technical maintenance, system upgrades, or events beyond phji's reasonable control (including but not limited to internet outages, power failures, natural disasters, or acts of government).
• Any inaccuracy in game results caused by a third-party software provider, provided phji takes prompt corrective action upon becoming aware of the issue.
• Any financial losses arising from decisions you make based on information presented on the Platform, including odds, statistics, or promotional content.

In any event, phji's total aggregate liability to you for any claim arising under or in connection with these Terms shall not exceed the total amount deposited by you into your phji account in the 30 days preceding the relevant claim.

12. Account Termination & Suspension

Either party may terminate this Agreement at any time. You may close your phji account by submitting a written request to [email protected]. Upon receipt of a valid closure request, phji will process any outstanding withdrawable balance to your registered payment method, subject to completion of any applicable KYC requirements and pending wagering obligations.

phji may, at its sole discretion, suspend or permanently terminate your account without prior notice in the event of:

• A breach of any provision of these Terms & Conditions.
• Suspected fraud, money laundering, collusion, or other illegal activity.
• Failure to satisfy KYC or AML verification requirements within the stipulated timeframe.
• Any other conduct that phji reasonably believes is harmful to the Platform, other players, or the integrity of games and markets offered.

Where an account is terminated by phji for cause, any bonus balances or promotional winnings that have not yet met applicable wagering requirements will be forfeited. Real-money balances will be returned to the player following the conclusion of any investigation, provided the balance was not itself derived from prohibited conduct.

13. Governing Law & Dispute Resolution

These Terms & Conditions and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) 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 a dispute between you and phji, the parties agree to first attempt resolution through phji's internal complaints process:

1. Step 1 — Contact Support: Submit your complaint in writing to [email protected] with full details of the dispute. phji will acknowledge receipt within 48 hours and aim to provide a substantive response within 10 business days.
2. Step 2 — Escalation: If you are not satisfied with the initial response, you may escalate your complaint to phji's compliance team, who will conduct an independent review and respond within a further 10 business days.
3. Step 3 — PAGCOR: If the dispute remains unresolved following phji's internal process, you may refer the matter to PAGCOR for adjudication in accordance with PAGCOR's applicable complaint-handling procedures.

Subject to the foregoing, the courts of the Philippines shall have exclusive jurisdiction over any dispute arising under or in connection with these Terms.

14. Amendments to These Terms

phji reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, phji will notify registered players by posting a prominent notice on the Platform and, where practicable, by sending a notification to the email address registered on your phji account.

The updated Terms will take effect immediately upon publication unless a different effective date is specified. Your continued use of the Platform following the publication of any amendment constitutes your unconditional 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 as described in Section 12.

phji recommends that you review these Terms periodically to stay informed of any changes. The "Last Updated" date at the top of this page will always reflect the date of the most recent revision.

15. Contact & Support

If you have any questions, concerns, or complaints regarding these Terms & Conditions, or if you require assistance with your phji account, please contact our support team through the following channels:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24 hours a day, 7 days a week via the phji Platform after login.
• Response Time: Email enquiries are typically answered within 24 hours. Live chat responses are immediate during staffed hours.

For responsible gaming support and self-exclusion requests, please visit the dedicated Responsible Gaming page. For general platform information and frequently asked questions, visit our FAQ page.