phbingo.com Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "you") and phbingo.com ("the Platform," "we," "us," or "our") governing your access to and use of the phbingo.com website, mobile interface, games, and all associated services (collectively, the "Services").

By accessing the phbingo.com website, creating an account, making a deposit, or using any feature of the Platform, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference.

phbingo.com reserves the right to update, modify, or replace any part of these Terms at any time. Material changes will be communicated to registered users via email or in-platform notification. Your continued use of the Services following notification of changes constitutes acceptance of the revised Terms.

To register and use phbingo.com, you must satisfy all of the following eligibility requirements at the time of registration and at all times during your use of the Platform:

• You must be at least 21 years of age, as required under Philippine law for casino-style gambling activities.
• You must be a natural person with full legal capacity to enter into binding contracts under Philippine law.
• You must be physically located in a jurisdiction where online gaming is not prohibited by applicable law at the time of play.
• You must not be a current employee, contractor, director, or officer of phbingo.com or any of its affiliated entities, nor an immediate family member of such persons.
• You must not have been previously excluded or suspended from phbingo.com or any affiliated platform.
• You must not be registered on any self-exclusion list maintained by PAGCOR or any other recognized gaming regulatory authority.

phbingo.com reserves the right to request documentary proof of age and identity at any time. Failure to provide satisfactory verification documents within the timeframe specified by phbingo.com may result in account suspension and withholding of pending withdrawals pending verification.

To access the full range of phbingo.com Services, you must register a personal account. You agree to provide accurate, current, and complete information during the registration process, including your full legal name, date of birth, residential address, and a valid email address. You further agree to maintain and promptly update your account information to keep it accurate and complete at all times.

Each individual may register only one (1) account on phbingo.com. The creation of multiple accounts by the same individual — whether using different names, email addresses, payment methods, or devices — is strictly prohibited and constitutes a material breach of these Terms.

• You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password.
• You must not share your account credentials with any third party or allow any other person to access or use your account.
• You must notify phbingo.com immediately if you suspect unauthorized access to your account.
• phbingo.com will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials.
• All activity conducted through your account will be deemed to have been authorized by you unless you have notified us of a security breach in advance.

phbingo.com implements Know Your Customer (KYC) verification procedures in compliance with PAGCOR guidelines and applicable Philippine anti-money laundering regulations. You may be required to submit government-issued identification, proof of address, and proof of payment method ownership before withdrawals are processed or at any other time at phbingo.com's discretion.

All financial transactions on phbingo.com are conducted in Philippine Peso (PHP / ₱). phbingo.com accepts deposits via the following methods: GCash, PayMaya / Maya, bank transfer (BPI, BDO, Metrobank, UnionBank, Landbank, PNB, Security Bank), and debit card. The minimum deposit amount is ₱50.

Prohibited deposit methods: phbingo.com does not accept cryptocurrency of any kind (including but not limited to Bitcoin, Ethereum, USDT, or any other digital asset) or credit card gambling deposits. Any attempt to fund your account using prohibited methods will result in the transaction being declined and may trigger a compliance review of your account.

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.
• Any active bonus funds must satisfy applicable wagering requirements before the associated real-money balance becomes eligible for withdrawal.
• phbingo.com reserves the right to conduct additional security checks on withdrawal requests, which may extend processing times.
• Withdrawal processing times vary by payment method. GCash and Maya withdrawals are typically processed within 24 hours on business days. Bank transfers may take 1–3 business days.
• phbingo.com reserves the right to request documentation confirming the source of funds for large withdrawal amounts.

phbingo.com may offer bonuses, free credits, cashback, and other promotional incentives to eligible players from time to time. All bonuses and promotions are subject to specific terms and conditions published on the relevant promotion page, which form part of these Terms when accepted.

• Bonuses are credited to your account as bonus funds and are subject to wagering requirements before they may be converted to withdrawable real-money balances.
• Unless otherwise stated, bonus funds must be wagered a minimum number of times (as specified per promotion) on eligible games before withdrawal is permitted.
• phbingo.com reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice.
• Only one bonus may be active at a time unless explicitly stated otherwise in the promotion terms.
• Bonuses are intended for personal recreational use only. Any attempt to exploit bonus structures through systematic play, arbitrage, or coordinated wagering is prohibited.
• phbingo.com reserves the right to reclaim bonus funds and associated winnings if it determines that a bonus has been claimed or used in bad faith or in violation of these Terms.

Players who have opted into the phbingo.com responsible gaming self-exclusion or cooling-off programs are not eligible to receive promotional bonuses during the exclusion period.

All games available on phbingo.com — including bingo, slots, live casino, Dino Hunter, Limbo, and all other titles — operate using certified Random Number Generator (RNG) technology or live dealer systems, as applicable. Game outcomes are determined independently of bet size, account history, or any other external factor.

Each game on phbingo.com has its own set of rules, published Return to Player (RTP) percentage, and volatility rating. It is your responsibility to read and understand the rules of any game before placing a wager. By placing a bet, you confirm that you have read and accepted the applicable game rules.

• All bets placed are final once confirmed. phbingo.com will not reverse a bet after it has been accepted by the system, except in cases of a verified technical error.
• In the event of a technical malfunction during a game round, phbingo.com reserves the right to void the affected round and return the wagered amount to the player's account.
• phbingo.com is not responsible for interrupted gameplay resulting from the player's internet connection, device failure, or power outage.
• Minimum and maximum bet limits apply to all games and are displayed within the game interface.

The following conduct is strictly prohibited on phbingo.com. Engaging in any prohibited conduct may result in immediate account suspension, permanent ban, forfeiture of account balance, and referral to relevant law enforcement or regulatory authorities:

• Registering more than one account, or registering on behalf of another person.
• Providing false, misleading, or fraudulent information during registration or KYC verification.
• Using automated software, bots, scripts, or any artificial intelligence tools to interact with games or the Platform.
• Engaging in collusion with other players to gain an unfair advantage in any game.
• Exploiting software bugs, glitches, or errors to obtain credits, winnings, or any other benefit not intended by phbingo.com.
• Engaging in money laundering, structuring, or any other activity that violates the Anti-Money Laundering Act of the Philippines (Republic Act No. 9160, as amended).
• Attempting to reverse, charge back, or dispute legitimate transactions processed by phbingo.com.
• Accessing the Platform from a jurisdiction where online gaming is prohibited by applicable law.
• Harassing, threatening, or abusing phbingo.com staff or other players through any communication channel.
• Attempting to gain unauthorized access to phbingo.com systems, databases, or other players' accounts.

phbingo.com is committed to promoting responsible gaming and player wellbeing. We recognize that gambling can become harmful for some individuals, and we take our duty of care seriously. The following responsible gaming tools are available to all registered phbingo.com players:

• Deposit Limits: Set daily, weekly, or monthly deposit limits on your account to control your spending.
• Session Time Limits: Set a maximum session duration after which you will be automatically logged out.
• Cooling-Off Period: Temporarily suspend your account for a period of your choosing (24 hours to 6 weeks).
• Self-Exclusion: Permanently or indefinitely exclude yourself from phbingo.com. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period.
• Reality Checks: Receive periodic notifications during play reminding you of the time elapsed and amount wagered in your current session.

phbingo.com strictly enforces the 21+ age requirement. We conduct age verification checks and reserve the right to request proof of age at any time. Any account found to be held by a person under 21 years of age will be immediately closed and all funds returned to the verified payment source.

All content on the phbingo.com platform — including but not limited to the website design, graphics, logos, game interfaces, software, text, images, audio, and video — is the intellectual property of phbingo.com or its licensed content providers and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the phbingo.com platform for personal, non-commercial recreational purposes only. This license does not include the right to:

• Copy, reproduce, distribute, or publicly display any phbingo.com content without prior written consent.
• Modify, adapt, translate, or create derivative works based on phbingo.com content.
• Reverse engineer, decompile, or disassemble any phbingo.com software.
• Use phbingo.com content for any commercial purpose or for any public display.
• Remove or alter any copyright, trademark, or other proprietary notices from phbingo.com content.

Any unauthorized use of phbingo.com intellectual property may result in legal action. The phbingo.com name, logo, and all associated marks are trademarks of phbingo.com and may not be used without prior written authorization.

To the fullest extent permitted by applicable Philippine law, phbingo.com, its directors, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform, including but not limited to:

• Loss of winnings or profits resulting from technical malfunctions, service interruptions, or force majeure events.
• Unauthorized access to your account resulting from your failure to maintain the security of your credentials.
• Delays in deposit crediting or withdrawal processing caused by third-party payment providers.
• Any loss or damage resulting from your reliance on information provided on the phbingo.com platform.
• Interruption or unavailability of the Platform due to maintenance, technical issues, or circumstances beyond our reasonable control.

phbingo.com's total aggregate liability to you for any claim arising out of or in connection with these Terms or your use of the Platform shall not exceed the total amount deposited by you into your phbingo.com account in the thirty (30) days preceding the event giving rise to the claim.

phbingo.com collects, processes, and stores personal data in accordance with the Republic Act No. 10173 (Data Privacy Act of 2012) and its implementing rules and regulations. The collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By registering an account on phbingo.com, you consent to the collection and processing of your personal data as described in our Privacy Policy, including for the purposes of account management, KYC verification, fraud prevention, regulatory compliance, and service improvement.

phbingo.com will not sell your personal data to third parties for marketing purposes. We may share your data with regulatory authorities, law enforcement agencies, and payment processors as required by law or as necessary to provide the Services. For full details on how we handle your data, please review our Privacy Policy.

phbingo.com reserves the right to suspend, restrict, or permanently close any account at its sole discretion, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms or any other phbingo.com policy.
• Suspected fraud, money laundering, or other illegal activity.
• Failure to complete KYC verification within the required timeframe.
• Chargebacks or payment disputes initiated by the player against phbingo.com.
• Inactivity for a period exceeding twelve (12) consecutive months.
• Receipt of a self-exclusion request from the account holder.
• Regulatory requirement or instruction from a competent authority.

Upon account closure, any real-money balance remaining in your account (after deduction of any applicable bonus funds that have not met wagering requirements) will be returned to your verified payment method, subject to completion of any outstanding KYC or compliance checks. phbingo.com is not obligated to return funds where closure results from a breach of these Terms involving fraud or prohibited conduct.

You may close your phbingo.com account at any time by contacting our support team. Account closure requests are processed within five (5) business days.

phbingo.com reserves the right to amend, update, or replace these Terms at any time. When material changes are made, phbingo.com will notify registered users by email or through a prominent notice on the Platform at least seven (7) days before the changes take effect, where practicable.

It is your responsibility to review these Terms periodically. The date of the most recent revision is displayed at the top of this page. Your continued use of phbingo.com following 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 close your account before the effective date of the changes.

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter or formation, 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 phbingo.com, we encourage you to first contact our support team to seek an informal resolution. Most issues can be resolved quickly through our customer support channels.

If an informal resolution cannot be reached, any dispute shall be submitted to the exclusive jurisdiction of the competent courts of Makati City, Metro Manila, Philippines. You irrevocably waive any objection to the laying of venue of any such proceedings in Makati City and any claim that such proceedings have been brought in an inconvenient forum.

If you have any questions, concerns, or complaints regarding these Terms and Conditions, or any aspect of the phbingo.com platform, please contact our support team through the following channel:

phbingo.com aims to respond to all formal written complaints within five (5) business days of receipt. For urgent account security matters, please use the live chat function for the fastest response.