phcharm Terms & Conditions

These Terms and Conditions (the "Agreement") constitute a legally binding contract between you ("Player", "User", "you") and phcharm ("phcharm", "the Operator", "we", "us"), the operator of the online gaming platform accessible at phcharm.bio (the "Platform"). phcharm operates under the regulatory framework of the Philippine Amusement and Gaming Corporation (PAGCOR), the government body responsible for the licensing and supervision of all legal gaming activities in the Philippines.

By accessing the Platform, creating a phcharm account, or using any product or service offered by phcharm — including slots, live casino, sports betting, bingo, and sabong — you confirm that you have read, understood, and agreed to be bound by this Agreement in its entirety. If you do not agree to these Terms and Conditions, you must not register an account or use the Platform.

This Agreement should be read together with phcharm's Privacy Policy and the specific terms applicable to individual promotions, which form part of the overall agreement between you and phcharm.

To register and maintain a phcharm account, you must satisfy all of the following eligibility requirements at all times:

• You must be at least 21 years of age. This is the minimum legal age for participation in casino-style gambling in the Philippines as set by PAGCOR. phcharm strictly enforces this requirement and will terminate any account found to belong to a person under 21.
• You must be physically located within the Philippines at the time of registration and at the time of each gaming session.
• You must be legally permitted to participate in online gambling activities under the laws applicable to you.
• You must not be a current employee, officer, director, contractor, or immediate family member of an employee of phcharm or any of its affiliated entities, game providers, or software suppliers.
• You must not be a self-excluded player under any phcharm responsible gaming program or under any PAGCOR-administered self-exclusion scheme.
• You must have the legal capacity to enter into a binding contract under Philippine law.

To access real-money games on phcharm, you must complete the registration process and create a phcharm account. During registration, you are required to provide accurate, complete, and current information including your full legal name, date of birth, residential address, email address, and contact number. Providing false or misleading information during registration constitutes a material breach of this Agreement.

Each individual player is permitted to hold only one phcharm account. The registration of multiple accounts by the same person — whether under the same name, the same payment method, the same device, or the same IP address — is strictly prohibited. phcharm employs identity verification, device fingerprinting, and payment method tracking to identify and enforce this policy. Where duplicate accounts are identified, phcharm reserves the right to close all associated accounts and withhold any balances pending investigation.

You are solely responsible for maintaining the security and confidentiality of your phcharm login credentials, including your username and password. You must not share your login details with any other person or allow any other person to access or use your phcharm account. phcharm will not be liable for any losses arising from unauthorised access to your account where such access resulted from your failure to adequately protect your credentials. You must notify phcharm support immediately upon becoming aware of any unauthorised use of your account.

All phcharm accounts are denominated in Philippine Peso (PHP / ₱). All deposits, game stakes, winnings, bonuses, and withdrawals are processed in Philippine Peso unless expressly stated otherwise in a specific promotion or product.

phcharm is required by PAGCOR regulations and applicable Philippine anti-money laundering laws, including the Anti-Money Laundering Act (AMLA) as amended, to verify the identity of all players before processing withdrawals and in certain other circumstances. This process is commonly referred to as Know Your Customer (KYC) verification.

You may be required to submit the following documents:

• A valid government-issued photo identification (e.g., Philippine passport, UMID, driver's license, SSS ID, PhilHealth ID, Voter's ID, or PRC ID)
• Proof of residential address dated within 90 days (e.g., utility bill, bank statement, or barangay certificate)
• Proof of ownership of the payment method used for deposits (e.g., screenshot of GCash or PayMaya account showing your name)
• Source of funds documentation where required by applicable regulations or internal risk assessment

phcharm may request KYC documents at any time, including at the point of registration, before processing a withdrawal, after a significant win, or as part of an ongoing account review. Failure to provide requested documentation within 30 days may result in account restriction or closure. phcharm handles all KYC documents in accordance with its Privacy Policy.

phcharm accepts deposits via GCash, PayMaya, BPI, BDO, Metrobank, UnionBank, 7-Eleven, and Cebuana Lhuillier. The minimum deposit amount is ₱100. Maximum deposit limits vary by payment method and account verification status and are displayed within your phcharm account dashboard.

GCash and PayMaya deposits are credited to your phcharm account instantly under normal operating conditions. Bank transfer deposits may take up to one banking business day to reflect, depending on the processing schedule of the transferring bank. Cash deposits via 7-Eleven and Cebuana Lhuillier are typically credited within two hours of payment confirmation.

You may only deposit funds from payment accounts registered in your own name. Third-party deposits — where the payment account belongs to a person other than the registered phcharm account holder — are strictly prohibited and will result in account suspension pending investigation. phcharm reserves the right to return deposits made from unverified or third-party payment sources.

phcharm provides deposit limit tools as part of its responsible gaming commitment. Players may set daily, weekly, or monthly deposit limits from within their account settings. Once a deposit limit is set, any reduction takes effect immediately. An increase to an existing deposit limit is subject to a 48-hour cooling-off period before it takes effect.

Withdrawal requests may only be submitted by players whose accounts have completed KYC verification. The minimum withdrawal amount is ₱500. Withdrawals are processed to the same payment method used for the player's most recent deposit, where that method supports withdrawals. phcharm may request additional verification before processing any withdrawal at its sole discretion.

GCash and PayMaya withdrawals are typically processed within 30 minutes of approval under normal operating conditions. Bank transfer withdrawals are typically processed within one business day. Processing times may be extended during high-volume periods, system maintenance windows, or where additional verification is required.

Bonus funds and winnings derived from bonus play cannot be withdrawn until all applicable wagering requirements have been met in full. Attempting to withdraw bonus funds before wagering requirements are satisfied will result in the forfeiture of the bonus amount and any associated bonus winnings. Only real-money funds (funds deposited by the player without a bonus) are withdrawable without wagering conditions, subject to standard verification requirements.

phcharm reserves the right to refuse or delay a withdrawal request where there is reasonable suspicion of fraud, money laundering, bonus abuse, or breach of these Terms and Conditions. In such cases, phcharm will notify the player and may request additional documentation. If a breach is confirmed following investigation, phcharm may void the relevant transactions and close the account.

phcharm offers bonuses and promotional incentives to both new and existing players from time to time. All bonuses are subject to the specific terms and conditions published on the relevant promotion page, including wagering requirements, minimum deposit amounts, qualifying games, time limits, and maximum withdrawal limits applicable to bonus winnings.

Unless stated otherwise on the specific promotion page, bonus funds awarded by phcharm are subject to a wagering requirement. This means the bonus amount (or the bonus plus deposit amount, depending on the promotion) must be wagered a specified number of times before any funds can be withdrawn. Not all games contribute equally to wagering requirements — live casino games and certain slot titles may contribute at a reduced rate or not at all. Contribution rates are specified on the promotion page.

phcharm prohibits any form of bonus abuse, including but not limited to: registering multiple accounts to claim bonuses more than once, using low-risk or mathematically balanced wagering strategies designed to clear wagering requirements without genuine gameplay risk, colluding with other players, and exploiting errors or technical glitches. Where bonus abuse is identified, phcharm reserves the right to void all bonus funds, void winnings derived from bonus play, and close the associated account.

phcharm reserves the right to modify, suspend, or discontinue any promotion at any time without prior notice, subject to honoring commitments already made to players under a promotion's original terms. Players are encouraged to review the current terms of any promotion before participating.

All slot games and RNG-based table games on the phcharm platform use certified Random Number Generator (RNG) software supplied by licensed game providers. RNG systems are independently tested and certified to ensure random, unbiased outcomes on every game round. phcharm does not modify or influence game outcomes at the platform level.

Each game available on phcharm is governed by the rules of that individual game as established by the relevant game provider. These rules are accessible from within the game interface and from the phcharm game information pages. In the event of a conflict between phcharm's general Terms and Conditions and the rules of a specific game, the game-specific rules will prevail with respect to gameplay matters only.

In the event of a game malfunction, connection error, or system failure that interrupts a game round, phcharm will use commercially reasonable efforts to restore the game to its state immediately prior to the disruption. Where this is not possible, any wager placed on the affected round will be refunded to the player's phcharm account. Malfunction voids all pays and plays. phcharm is not liable for losses arising from circumstances outside its reasonable control.

In the event of an obvious error in published odds, bonus terms, or game paytables — including typographical errors or technical faults resulting in clearly incorrect pricing — phcharm reserves the right to void the affected bets or game rounds. phcharm will not be obligated to honor payouts resulting from manifest errors.

The following conduct is strictly prohibited on the phcharm platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of balances, and reporting to the relevant authorities where required by law:

• Registering an account on behalf of another person or allowing another person to use your account
• Using automated software, bots, scripts, or artificial intelligence tools to interact with any phcharm game or service
• Colluding with other players in any poker, live dealer, or multiplayer game format
• Engaging in any form of fraud, including but not limited to: chargeback fraud, payment fraud, identity fraud, and document forgery
• Attempting to manipulate game outcomes through any technical or social means
• Exploiting software bugs, vulnerabilities, or unintended game mechanics to gain an unfair advantage
• Using the phcharm platform for money laundering or any activity that violates the Anti-Money Laundering Act of the Philippines
• Accessing the phcharm platform from a jurisdiction where online gambling is illegal
• Abusing phcharm's customer support team through threatening, harassing, or offensive communication

phcharm is committed to promoting responsible gambling and to minimising the potential for gambling-related harm among its player base. In compliance with PAGCOR's responsible gaming requirements, phcharm provides all registered players with access to the following tools from within their account settings:

• Deposit Limits — Set daily, weekly, or monthly limits on how much you can deposit into your phcharm account.
• Loss Limits — Cap the amount you can lose over a defined period.
• Session Time Limits — Receive a notification when you have been playing for a defined duration, and optionally be logged out automatically.
• Reality Checks — Periodic on-screen reminders showing time elapsed and net session result.
• Self-Exclusion — Temporarily or permanently exclude yourself from phcharm. Self-exclusion requests are processed within 24 hours and cannot be reversed for the duration of the exclusion period chosen.
• Cool-Off Period — Take a short break from gambling without committing to full self-exclusion.

phcharm enforces the 21+ age requirement under PAGCOR regulations and actively works to prevent access by minors. For more information on phcharm's responsible gaming commitment and how to access help, please visit the Responsible Gaming page.

You may request the closure of your phcharm account at any time by contacting phcharm customer support. Upon closure, any remaining real-money balance (excluding bonus funds that have not met wagering requirements) will be returned to your verified withdrawal method within five business days. Accounts closed voluntarily may be reopened upon request subject to re-verification of identity.

phcharm reserves the right to suspend or permanently close any player account at its sole discretion, including where: a breach of these Terms and Conditions is identified; fraud or money laundering is suspected; KYC documents are not provided within the required timeframe; or account activity is flagged as suspicious under phcharm's internal risk management framework. Where an account is closed due to confirmed breach, any balance may be withheld pending investigation.

An account is considered dormant where no login activity has been recorded for a continuous period of 12 months. phcharm will attempt to notify the account holder via the registered email address prior to applying any dormancy fee. A monthly administration fee of ₱100 (or the remaining balance if lower) may be applied to dormant accounts after the notification period, until the balance reaches zero or the account is reactivated by the player.

To the fullest extent permitted by applicable Philippine law, phcharm's total liability to you in connection with your use of the Platform — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the total amount deposited by you into your phcharm account in the 12 months immediately preceding the event giving rise to the claim.

phcharm shall not be liable for:

• Loss of profits, revenue, data, goodwill, or any indirect or consequential losses arising from your use of or inability to use the Platform
• Any loss resulting from a force majeure event, including but not limited to: acts of God, government action, natural disasters, power failures, telecommunications outages, or cyber attacks beyond phcharm's reasonable control
• Any loss resulting from your use of the Platform in violation of these Terms and Conditions
• Any inaccuracy in game information, odds, or promotional material caused by technical error, provided phcharm acts promptly to correct such errors upon discovery

Nothing in this clause shall operate to exclude or limit phcharm's liability for fraud, for death or personal injury caused by phcharm's negligence, or for any other liability that cannot be excluded or limited under applicable Philippine law.

All content on the phcharm Platform — including but not limited to software, source code, game content, graphics, logos, trademarks, service marks, text, images, audio, video, and the overall look and feel of the Platform — is owned by or licensed to phcharm and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial entertainment purposes only. You may not copy, reproduce, modify, distribute, publicly display, or create derivative works from any content on the phcharm Platform without prior written consent from phcharm.

phcharm collects, processes, and stores your personal data in accordance with its Privacy Policy, which forms part of this Agreement. By registering a phcharm account, you acknowledge that you have read and understood the Privacy Policy and consent to the collection and use of your personal information as described therein. phcharm complies with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its Implementing Rules and Regulations in all processing of personal data.

This Agreement shall be governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to the Civil Code of the Philippines, the Electronic Commerce Act of 2000 (Republic Act No. 8792), the Data Privacy Act of 2012 (Republic Act No. 10173), and the Anti-Money Laundering Act as amended. Any dispute arising from or in connection with this Agreement that cannot be resolved through phcharm's internal complaints process shall be submitted to the exclusive jurisdiction of the competent courts of the Philippines.

phcharm operates under the oversight and regulatory authority of PAGCOR. Players who have an unresolved complaint against phcharm following exhaustion of phcharm's internal dispute resolution process may refer their complaint to PAGCOR through the appropriate regulatory channel.

phcharm reserves the right to amend these Terms and Conditions at any time. Where a material change is made, phcharm will provide notice to registered players via the email address on file and/or via a prominent notice on the Platform. The updated Terms and Conditions will display a revised "Last Updated" date at the top of this page. Your continued use of the phcharm Platform following the effective date of any amendment constitutes your acceptance of the updated terms. If you do not agree to the amended terms, you should close your account before the effective date of the changes.

If you have any questions, concerns, or complaints regarding these Terms and Conditions, or any aspect of your phcharm account, please contact the phcharm support team. Our support team is available 24 hours a day, 7 days a week.