Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of the phbing website at phbing.org, its associated mobile interfaces, and all gaming services, features, content, and functionality offered by phbing (collectively, the "Platform"). These Terms form a binding legal agreement between you ("User," "you," "your") and phbing ("phbing," "we," "us," "our").

By accessing the Platform, registering an account, making a deposit, or participating in any game or promotional activity offered through phbing, you expressly acknowledge that you have read these Terms, understand them, and consent to be bound by them, together with phbing's Privacy Policy and any game-specific rules that may apply.

phbing reserves the right to modify these Terms at any time. Where changes are material, phbing will provide reasonable notice by posting an updated version on the Platform. Your continued use of phbing after such notice constitutes acceptance of the revised Terms.

2. Eligibility

Use of phbing is subject to the following eligibility requirements, all of which must be satisfied continuously throughout your use of the Platform:

• Age: You must be at least twenty-one (21) years of age. This requirement is mandated by the Philippine Amusement and Gaming Corporation (PAGCOR) and applicable Philippine law. Underage gambling is strictly prohibited. phbing actively implements age verification procedures and reserves the right to suspend any account where eligibility is in doubt pending satisfactory verification.
• Jurisdiction: phbing's services are intended for use by persons physically located within the Philippines. You are solely responsible for ensuring that your use of the Platform complies with all laws applicable to you in your jurisdiction.
• Legal capacity: You must have full legal capacity to enter into binding contracts under Philippine law.
• Not self-excluded: You must not be subject to any voluntary or mandatory self-exclusion order, whether issued by phbing or by any regulatory authority, that restricts your ability to access gaming services.
• Not a phbing employee: Employees, contractors, directors, and officers of phbing, and their immediate family members residing in the same household, are not eligible to hold player accounts or participate in promotions.

phbing 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 withdrawals pending review.

3. Account Registration & Security

3.1 Registration

To access most features of phbing, you must register for an account. During registration, you agree to provide accurate, current, and complete information, including your legal name, date of birth, Philippine residential address, mobile number, and valid email address. You further agree to keep this information updated throughout the duration of your phbing account.

3.2 One Account Per Person

Each individual may register and maintain only one (1) phbing account. Creating duplicate, multiple, or fraudulent accounts is strictly prohibited and constitutes a material breach of these Terms. phbing may close all accounts associated with a player found to hold multiple accounts and may forfeit any balances held in those accounts.

3.3 Account Security

You are responsible for maintaining the confidentiality of your phbing login credentials, including your password and any two-factor authentication codes. You agree to notify phbing immediately upon becoming aware of any unauthorised access to or use of your account. phbing shall not be liable for any loss or damage arising from your failure to protect your login credentials.

3.4 Identity Verification (KYC)

phbing is required to verify the identity of all players as part of its anti-money laundering (AML) and responsible gaming obligations. You may be required to submit a valid government-issued Philippine identification document (such as a PhilSys ID, passport, or driver's licence), proof of address, and in certain circumstances, proof of source of funds. Verification may be required before withdrawals are processed or at any other time at phbing's discretion.

4. Deposits & Withdrawals

4.1 Deposit Methods

phbing accepts deposits via the following payment channels currently supported on the Platform: GCash, PayMaya, BPI Online Banking, BDO Online Banking, and Metrobank Online Banking. Minimum deposit amounts apply and are displayed at the time of transaction. All deposits are processed in Philippine Pesos (PHP / ₱).

4.2 Withdrawal Conditions

Withdrawals may only be made to payment methods previously used for deposits to the same phbing account, subject to phbing's verification of the method's ownership by the account holder. Withdrawals will not be processed where the account has outstanding bonus wagering requirements, or where phbing has placed a hold on the account pending investigation or verification.

4.3 Processing Times

phbing aims to process withdrawal requests within one (1) business hour for fully verified accounts. Actual credit times depend on the processing times of the recipient financial institution and are outside phbing's control. phbing makes no guarantee as to the time funds will appear in your external account.

4.4 Currency

All transactions on phbing are denominated in Philippine Pesos. phbing does not accept or hold funds in foreign currencies. Any conversion fees charged by your payment provider are your sole responsibility.

5. Bonuses & Promotions

phbing offers various promotions, welcome bonuses, reload bonuses, free spins, cashback offers, and other incentives to eligible players. All such promotional offers are subject to specific terms, which will be set out in the relevant promotional page or communication. The following general conditions apply to all phbing bonuses:

• Bonuses are available to eligible registered players aged 21 and above only.
• Unless otherwise stated, bonuses must be wagered a specified number of times before they or any associated winnings may be withdrawn.
• phbing reserves the right to withdraw or modify any promotional offer at any time without prior notice.
• Only one bonus may be active per account at any given time, unless explicitly stated otherwise.
• Bonuses obtained through fraudulent means, through manipulation of multiple accounts, or in breach of these Terms will be forfeited, and the relevant account may be suspended.

6. Game Rules & Fair Play

All games available on phbing are governed by their respective rules, which are accessible within each game interface. By participating in any game, you agree to be bound by those rules. phbing's games are certified by independent third-party auditors for fairness and random outcome generation (RNG). Published Return to Player (RTP) figures represent long-term statistical averages and do not guarantee any individual outcome.

In the event of a discrepancy between a game result displayed on your device and the result recorded in phbing's server logs, the server log result shall be conclusive. Technical malfunctions void all game play. phbing accepts no liability for losses arising from technical failures beyond its reasonable control.

7. Prohibited Conduct

You agree that you will not engage in any of the following conduct while using phbing:

• Using software, bots, scripts, or any automated system to place bets, exploit game mechanics, or otherwise gain an unfair advantage.
• Engaging in any form of collusion with other players or with phbing employees.
• Attempting to reverse-engineer, decompile, or tamper with any phbing software or security systems.
• Using phbing for any purpose connected with money laundering, fraud, or other illegal activity.
• Providing false, misleading, or fraudulent information in connection with your phbing account or any transaction.
• Attempting to access another player's account or impersonating any other person or entity.
• Engaging in charge-backs or payment reversals in bad faith.

phbing reserves the right to suspend or permanently close any account found to be in violation of this section, forfeit any balance held in that account, and report the activity to relevant Philippine authorities including PAGCOR where required by law.

8. Responsible Gaming

phbing is committed to promoting responsible gaming among its players. Gaming should always be a form of entertainment, not a way to earn income or to address financial difficulties. phbing provides the following responsible gaming tools to all registered players:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits on their phbing account at any time via Account Settings.
• Session Time Reminders: Players may configure reminders that alert them to how long they have been playing in a single session.
• Loss Limits: Players may set maximum loss limits over defined periods to control their gaming expenditure.
• Self-Exclusion: Players may request a temporary or permanent self-exclusion, preventing access to their phbing account for a specified period. Self-exclusion requests are processed within 24 hours. Once activated, self-exclusion cannot be reversed until the chosen exclusion period has elapsed.
• Reality Checks: Periodic on-screen notifications reminding players of time spent and amounts wagered during the current session.

If you are concerned about your gaming behaviour or that of someone you know, phbing encourages you to visit our dedicated Responsible Gaming page for further resources and support guidance. All players must be 21 years of age or older in compliance with Philippine law.

9. Intellectual Property

All content on the phbing Platform, including but not limited to software, graphics, logos, game assets, text, and design elements, is the property of phbing 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 gaming purposes only. No content may be reproduced, distributed, or used for any other purpose without phbing's prior written consent.

10. Limitation of Liability

To the maximum extent permitted by applicable Philippine law, phbing's aggregate liability to you for any claim arising out of or in connection with your use of the Platform shall not exceed the amount of deposits made by you to your phbing account in the thirty (30) days preceding the event giving rise to the claim.

phbing shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, loss of goodwill, or service interruption, howsoever arising, even if phbing has been advised of the possibility of such damages.

11. Privacy

Your use of phbing is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using phbing, you consent to the collection, use, and processing of your personal data as described in the Privacy Policy. phbing processes personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules and regulations.

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of laws principles. Any dispute arising out of or in connection with these Terms or your use of phbing shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

Before initiating formal legal proceedings, you agree to contact phbing's customer support team to attempt to resolve the dispute informally. phbing will use reasonable efforts to address your concern within fourteen (14) calendar days of receipt.

13. Contact Us

If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the phbing support team. Our customer support agents are available 24 hours a day, 7 days a week, including Tagalog-speaking representatives.

Contact email: [email protected] (plain text — not a clickable link)

For responsible gaming support, please visit phbing's Responsible Gaming page.