96phj Terms & Conditions

Definitions

In these Terms and Conditions, the following definitions apply unless context requires otherwise:

• "96phj" / "The Platform" means the online gaming website operated at 96phj.vip and all associated services, including but not limited to the casino, sportsbook, live dealer, crash games, bingo, and fishing game verticals.
• "Account" means the personal player account registered and maintained by a User on the 96phj platform.
• "Balance" means the total real-money funds held in a User's 96phj account at any given time, excluding locked bonus funds.
• "Bonus Funds" means any promotional credit, free bet, free spin value, or matched deposit granted to a User subject to wagering requirements.
• "KYC" means Know Your Customer identity verification, the process by which 96phj confirms a User's identity, age, and payment method ownership.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the government body that licenses and regulates 96phj.
• "Prohibited Conduct" means any activity listed under Section 10 of these Terms that is expressly forbidden on the 96phj platform.
• "Services" means all products, games, features, tools, and support functions accessible through a 96phj account.
• "Terms" means these Terms and Conditions, as amended from time to time.
• "Wagering Requirement" means the minimum number of times a bonus amount must be wagered before it becomes eligible for withdrawal.

Acceptance of Terms

By accessing the 96phj website, creating an account, making a deposit, or using any 96phj service in any capacity, you confirm that you have read, understood, and agree to be legally bound by these Terms in their entirety, together with 96phj's Privacy Policy and any game-specific rules or promotional terms that may apply.

Your continued use of the 96phj platform following any amendment to these Terms constitutes your acceptance of the amended Terms. If you do not accept any amendment, you must cease using the platform and may request account closure through 96phj's support team.

Eligibility & Registration Requirements

To register and maintain an account at 96phj, you must satisfy all of the following eligibility requirements at all times:

1. Age: You must be at least 21 years of age. This is the PAGCOR-mandated minimum gambling age in the Philippines. 96phj verifies age through KYC identity verification and any account where the verified age is below 21 will be permanently closed.
2. Location: You must be physically located in the Philippines and legally permitted to access online gaming services under applicable Philippine law at the time of registration and during each session.
3. Legal Capacity: You must have full legal capacity to enter into a binding agreement under Philippine law. Individuals under legal guardianship or those declared legally incapacitated may not register.
4. One Account: You may hold only one active 96phj account. Registration of multiple accounts by a single individual — regardless of the email address, device, or payment method used — is prohibited and constitutes grounds for account suspension.
5. Accurate Information: All registration information must be true, accurate, and current. Your registered name must match the name on the government-issued Philippine ID you submit for KYC verification.
6. Not Self-Excluded: You must not be subject to a self-exclusion order or voluntary exclusion from any Philippine-licensed gaming operator, including through PAGCOR's responsible gaming programs.

96phj reserves the right to request KYC documentation at any time, including at registration, before processing a first withdrawal, and during routine compliance reviews. Accounts where KYC cannot be completed to 96phj's satisfaction will have their withdrawal functionality suspended pending resolution.

Account Management & Security

You are solely responsible for maintaining the confidentiality and security of your 96phj account credentials, including your password and any two-factor authentication codes. 96phj will not be liable for any loss resulting from unauthorized access to your account where such access resulted from your failure to maintain credential security.

You must notify 96phj immediately through the live chat support function if you believe your account credentials have been compromised. 96phj may temporarily suspend an account pending a security review if unusual access patterns are detected.

Account credentials — including your registered email address and linked payment methods — may only be changed through the verified account management process. Changes that affect account identity or payment linkage require additional KYC verification and approval by the 96phj compliance team.

96phj will never contact you by email, SMS, or live chat requesting your account password or full OTP code. Any such communication claiming to be from 96phj is fraudulent. Do not respond to or act on such communications — report them to [email protected] immediately.

Deposits & Payment Methods

96phj accepts deposits via GCash, Maya, GrabPay, BPI, BDO, Metrobank, 7-Eleven, USDT, and Coins.ph. Minimum deposit amounts and processing times vary by payment method and are displayed in the 96phj Cashier at the time of transaction.

All deposits must originate from payment accounts or instruments registered in the account holder's own legal name. Third-party deposits — where funds are sent from a payment account held in a different name — are not permitted and may result in account suspension and the return of deposited funds.

• 96phj does not charge deposit fees. However, your payment provider (e.g., GCash, your bank) may apply their own transaction charges independent of 96phj.
• Deposit limits may apply based on your account KYC level and responsible gaming settings. PAGCOR may also require platform-level deposit limits.
• 96phj reserves the right to decline deposits from specific payment methods, geographic locations, or accounts flagged for suspicious activity.
• All deposited funds are held in player-segregated accounts. 96phj's operational funds are held separately from player balances at all times.
• Currency: All transactions on 96phj are processed in Philippine Peso (PHP / ₱) unless otherwise stated for USDT transactions.

Withdrawals

Withdrawal requests may only be submitted by accounts that have completed KYC verification. Withdrawals will only be processed to payment accounts held in the verified account holder's name — this is a PAGCOR Anti-Money Laundering compliance requirement and is non-negotiable.

96phj targets the following processing timelines for withdrawal requests, measured from the point of request approval:

• GCash and Maya: 5–30 minutes for KYC-verified accounts during standard operating hours
• BPI and BDO: 1–3 banking hours during business days (Monday–Friday, 9AM–5PM PHT)
• USDT: 10–60 minutes depending on network confirmation requirements
• Other methods: Processing times are displayed in the Cashier at time of submission

96phj reserves the right to request additional documentation before processing withdrawals that trigger enhanced due diligence thresholds under the Anti-Money Laundering Act of the Philippines (Republic Act No. 9160, as amended). Such requests do not imply wrongdoing and are a standard compliance procedure.

Bonuses & Promotions

96phj offers various bonuses and promotional offers to eligible players from time to time. All such offers are subject to the specific terms published alongside each promotion, which are incorporated into these Terms by reference. In the event of conflict between specific promotional terms and these general Terms, the specific promotional terms will prevail for that offer.

General bonus conditions that apply to all 96phj promotions unless a specific promotion states otherwise:

• Bonuses are awarded at 96phj's sole discretion and may be modified, suspended, or withdrawn at any time without prior notice.
• Each bonus offer may only be claimed once per account, household, device, or IP address unless the offer explicitly states otherwise.
• Wagering requirements must be completed within the timeframe specified in each promotion's terms. Uncompleted wagering requirements result in the forfeiture of bonus funds and any associated winnings.
• Certain game categories may contribute differently toward wagering requirements. Live dealer games, for example, may contribute at a lower rate than slots. Contribution rates are published with each offer.
• 96phj reserves the right to void bonuses and associated winnings if there is evidence of bonus abuse, including but not limited to low-variance betting strategies designed to fulfill wagering requirements with minimal risk.
• Players who have self-excluded or set deposit limits may not be eligible for certain promotional offers.

Gaming Rules & Conduct

All games on the 96phj platform operate under their respective individual game rules, which are accessible from within each game interface. By placing a wager on any game, you confirm that you have familiarized yourself with its rules and accept the outcomes generated by the certified RNG or, in the case of live dealer and sports betting, by the live game outcome.

96phj's RNG systems are independently certified by accredited testing laboratories. Certified RTP rates are published for all slot titles. Past game results do not influence future outcomes in any certified RNG game.

In the event of a technical malfunction, software error, or communication failure that affects the outcome of a game round, the affected round may be voided and stakes returned. 96phj is not liable for losses incurred due to third-party network failures, device failures, or internet interruptions on the player's end. Decisions made by 96phj regarding technical dispute resolution are final.

Responsible Gaming

96phj is committed to providing a safe and responsible gaming environment for all Filipino players. The platform provides the following tools to help players manage their gaming activity:

• Deposit Limits: Daily, weekly, and monthly deposit caps configurable from account settings. Once set, deposit limits may only be increased after a mandatory 72-hour cooling-off period.
• Loss Limits: Per-session and per-period loss thresholds that halt gameplay once reached.
• Session Time Limits: Configurable time alerts and hard session cutoffs.
• Reality Checks: Periodic in-game notifications showing session duration and net result.
• Self-Exclusion: Temporary exclusion (7 days, 30 days, 90 days, 6 months) or permanent account exclusion. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period.

96phj enforces the PAGCOR-mandated 21-year minimum age requirement at registration and through ongoing KYC. Players who believe they may have a gambling problem are encouraged to use self-exclusion tools immediately and seek support. Gambling is entertainment — if it stops being enjoyable, please take a break.

Prohibited Conduct

The following conduct is strictly prohibited on the 96phj platform. Accounts found to have engaged in any prohibited conduct will be subject to immediate suspension, balance forfeiture, and reporting to PAGCOR and Philippine law enforcement where legally required:

• Multi-accounting: Registering or operating more than one 96phj account, whether under your own name or any other identity.
• Identity fraud: Registering with false personal details, submitting fraudulent identity documents, or misrepresenting your age, identity, or location.
• Collusion: Coordinating with other players to gain an unfair advantage in multiplayer games, poker, or any other game where player-versus-player dynamics apply.
• Automated play: Using bots, scripts, automated betting software, or any non-human interaction method to place wagers or interact with the platform.
• Bonus abuse: Systematically exploiting bonus terms, including creating multiple accounts to claim welcome offers, or using low-risk betting patterns designed specifically to clear wagering requirements while avoiding genuine game risk.
• Money laundering: Using 96phj to deposit, transfer, or withdraw funds derived from illegal activity, in violation of the Anti-Money Laundering Act of the Philippines (Republic Act No. 9160).
• Chargebacks: Filing a fraudulent chargeback, payment dispute, or reversal with a payment provider for deposits made in good faith on the 96phj platform.
• Exploitation of errors: Deliberately exploiting software bugs, pricing errors, or game malfunctions to gain financial advantage.

Intellectual Property

All content on the 96phj platform — including but not limited to software code, game assets, graphics, logos, trademarks, written content, database structures, and the 96phj brand identity — is the intellectual property of 96phj or its licensed content providers. All rights are reserved.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the 96phj platform solely for personal entertainment purposes in accordance with these Terms. This license does not permit you to:

• Copy, reproduce, distribute, or publish any 96phj content without prior written consent
• Reverse engineer, decompile, or disassemble any 96phj software or game code
• Create derivative works based on 96phj content or branding
• Remove or alter any intellectual property notices or attribution marks
• Use 96phj trademarks or brand assets in any context not expressly authorized in writing by 96phj

Limitation of Liability

To the maximum extent permitted by applicable Philippine law, 96phj's total aggregate liability to any player for any claims arising from or related to the use of the platform — whether in contract, tort, or otherwise — shall not exceed the total amount deposited by that player into their 96phj account in the 30-day period immediately preceding the event giving rise to the claim.

96phj expressly excludes liability for:

• Indirect, incidental, consequential, or punitive damages of any nature
• Loss of profit, loss of data, or loss of opportunity arising from platform use
• Service interruptions caused by circumstances outside 96phj's reasonable control, including but not limited to internet infrastructure failures, power outages, natural disasters, government action, or force majeure events
• Losses arising from a player's own failure to maintain account security
• Losses arising from a player's decision to gamble or the outcome of gambling activity

Nothing in these Terms limits 96phj's liability for fraud, willful misconduct, or any liability that cannot be excluded under Philippine consumer protection law.

Privacy & Data Protection

96phj collects, processes, and stores personal data in accordance with the Data Privacy Act of the Philippines (Republic Act No. 10173) and 96phj's Privacy Policy, which is incorporated into these Terms by reference. By registering an account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Personal data collected during registration and KYC — including your legal name, date of birth, Philippine ID documents, selfie verification, email address, and mobile number — is used for account management, identity verification, fraud prevention, Anti-Money Laundering compliance, and responsible gaming purposes. This data is held securely and is not sold to third parties.

For full details on data collection, processing purposes, retention periods, data subject rights, and how to exercise those rights under the Data Privacy Act, please refer to the 96phj Privacy Policy.

Account Closure & Termination

Closure by Player: You may request closure of your 96phj account at any time by contacting the support team via live chat or email. Before account closure is processed, all remaining real-money balance will be returned to your verified payment method. Account closure requests are processed within 5 business days.

Closure by 96phj: 96phj reserves the right to suspend or permanently close any account, with or without prior notice, under the following circumstances:

• Violation of any provision of these Terms
• Failure to complete KYC verification within the required timeframe
• Provision of false or misleading registration information
• Engagement in any Prohibited Conduct as defined in Section 10
• Receipt of a court order, PAGCOR directive, or law enforcement instruction requiring account closure
• Account inactivity exceeding 12 months (prior notice will be given)

Where an account is closed due to a Terms violation, any bonus funds and associated winnings may be voided. Real-money deposits are returned subject to AML compliance review. 96phj's closure decisions are subject to review through the formal dispute process described below.

Governing Law & Dispute Resolution

These Terms and all matters relating to your use of the 96phj platform are governed exclusively by the laws of the Republic of the Philippines, without regard to conflict of law principles.

In the event of a dispute between you and 96phj, the following resolution process applies:

1. First Contact: Submit your complaint to the 96phj support team via live chat or at [email protected]. Include your account details, a clear description of the issue, and any supporting documentation. 96phj commits to acknowledging all complaints within 24 hours and providing a substantive response within 5 business days.
2. Escalation: If you are unsatisfied with 96phj's response, you may escalate your complaint in writing to the 96phj compliance team. Escalated complaints are reviewed by a senior team member independent of the initial response.
3. PAGCOR: If the dispute cannot be resolved through the internal process, you have the right to submit a formal complaint to PAGCOR, the licensing regulator. PAGCOR provides a structured dispute resolution process for complaints against licensed operators.

Any legal proceedings arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of the Republic of the Philippines.

Amendments to These Terms

96phj reserves the right to amend, update, or replace these Terms at any time. Material changes to these Terms — defined as changes that meaningfully affect player rights, financial conditions, or core platform rules — will be communicated to registered players via email to their registered address and via an in-platform notification at least 14 days before the changes take effect.

Non-material amendments — such as clarifications, formatting corrections, or minor administrative updates — may take effect immediately without prior notice. The current version of these Terms, with the effective date clearly displayed, is always accessible on this page.

Your continued use of the 96phj platform after the stated effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to revised Terms, you must cease using the platform and request account closure before the effective date.

Contact Information

For questions, complaints, or clarifications regarding these Terms and Conditions, or any aspect of your 96phj account or the 96phj platform, please contact the support team through the following channels:

• Live Chat: Available 24 hours a day, 7 days a week through the 96phj website. Average first response time under 3 minutes during daytime hours (PHT).
• Email: [email protected] — responses within 24 hours for general inquiries; within 5 business days for formal complaints.
• Language: Support is available in English, Tagalog, and Cebuano.

For responsible gaming queries specifically — including self-exclusion requests, deposit limit changes, or information about gambling harm support resources — contact 96phj support and reference "Responsible Gaming" in your opening message for priority routing to a trained specialist.