ph46 Terms & Conditions

1.1 This Agreement is entered into between ph46 and the individual accessing or using the Platform. Your continued use of ph46 following the posting of revised Terms constitutes acceptance of those changes.

1.2 ph46 reserves the right to modify, update, or replace any part of this Agreement at any time. Material changes will be communicated to registered users via the email address or mobile number on file. The date of the most recent revision is displayed at the top of this page.

1.3 These Terms apply to all sections of the ph46 Platform including, without limitation, the casino lobby, live dealer tables, sports betting section, jackpot games, bingo rooms, promotional pages, and customer account management features.

1.4 If you access ph46 on behalf of a business entity or other legal person, you represent that you have the authority to bind that entity to these Terms, and references to "you" shall include that entity.

2.1 Age Requirement. You must be at least twenty-one (21) years of age to register, deposit, or participate in any real-money gaming activity on ph46. This requirement is mandatory and non-negotiable under the regulatory framework applicable to online gaming in the Philippines.

2.2 Jurisdiction. ph46 is primarily intended for players located in the Philippines. By registering, you represent and warrant that your use of the Platform is lawful under the laws of your country, state, or territory of residence. It is your responsibility to determine whether accessing ph46 from your location is permitted by applicable law.

2.3 Excluded Persons. The following individuals are strictly prohibited from registering or maintaining an account on ph46:

• Persons under the age of 21;
• Employees, contractors, directors, or officers of ph46 or its affiliates;
• Immediate family members of ph46 employees (spouse, parents, siblings, children);
• Persons who have voluntarily self-excluded or been excluded from ph46;
• Persons in jurisdictions where online gambling is explicitly prohibited by applicable law.

2.4 ph46 uses Know Your Customer ("KYC") verification procedures to confirm the age and identity of all registered users prior to processing any withdrawal. Acceptable Philippine government-issued identification documents include: PhilSys National ID, Driver's License, Passport, UMID, SSS Card (with photo), and PRC Professional ID.

3.1 One Account Per Person. Each individual may register only one (1) account on ph46. Maintaining multiple accounts ("multi-accounting") is strictly prohibited and will result in permanent account suspension and forfeiture of any balances associated with the duplicate accounts.

3.2 Accuracy of Information. You agree to provide true, accurate, current, and complete information during the registration process and to update that information promptly if it changes. ph46 is not responsible for losses or delays resulting from inaccurate account information provided by the user.

3.3 Account Credentials. You are solely responsible for maintaining the confidentiality of your username, password, and any security credentials associated with your ph46 account. You must not share your login details with any other person. ph46 staff will never ask for your password under any circumstances.

3.4 Unauthorized Access. If you suspect or become aware of unauthorized access to your account, you must notify ph46 customer support immediately via live chat. ph46 will take reasonable steps to secure the account upon verified notification. ph46 is not liable for losses resulting from unauthorized account access prior to notification.

3.5 Account Transfers. ph46 accounts are personal and non-transferable. You may not sell, gift, transfer, or assign your account or any credits, bonuses, or other entitlements associated with it to any other party.

4.1 Accepted Payment Methods. ph46 accepts deposits via the following channels: GCash, Maya (formerly PayMaya), BPI Online Banking, BDO Online Banking, Metrobank Online Banking, 7-Eleven Cliqq, USDT TRC20 (cryptocurrency), and Coins.ph. ph46 reserves the right to add or remove payment channels at any time without prior notice.

4.2 Minimum Deposit. The minimum deposit amount is Philippine Peso One Hundred (₱100.00), or the equivalent in accepted cryptocurrency at the prevailing exchange rate at the time of the transaction.

4.3 Own Funds Requirement. You may only deposit funds that belong to you. Depositing funds on behalf of third parties, or using payment instruments belonging to other persons without their explicit authorization, is strictly prohibited.

4.4 Deposit Fees. ph46 does not charge fees for deposits. However, your payment provider (e.g., your bank or GCash) may apply their own service charges, which are outside ph46's control.

4.5 Processing Times. GCash and Maya deposits are generally credited to your ph46 wallet instantly. Bank transfers may take up to three (3) business hours depending on the financial institution and network conditions. Cryptocurrency deposits are credited upon the required number of blockchain confirmations.

4.6 Failed Deposits. If a deposit is deducted from your payment method but not credited to your ph46 wallet within the stated processing time, you must contact ph46 customer support with your transaction reference number. ph46 will investigate and resolve the discrepancy within twenty-four (24) hours.

5.1 Eligibility for Withdrawal. To withdraw funds from your ph46 account, you must have: (a) completed KYC identity verification; (b) deposited funds at least once using the withdrawal method you intend to use; and (c) satisfied any applicable wagering requirements associated with bonuses credited to your account.

5.2 Withdrawal Methods. Withdrawals are processed to the same payment method used for the corresponding deposit, where technically feasible. ph46 reserves the right to process withdrawals via an alternative channel of equivalent or superior processing speed in circumstances where the original deposit method is unavailable.

5.3 Processing Times. ph46 targets the following processing timeframes:

• GCash and Maya: Under 15 minutes for verified accounts during normal operating hours;
• BPI, BDO, Metrobank: Within 24 hours on business days;
• USDT TRC20: Within 2 hours subject to blockchain network conditions;
• Coins.ph: Within 1 hour during normal operating hours.

5.4 Withdrawal Limits. Minimum withdrawal amount is ₱200.00. Maximum single withdrawal limits apply by tier and are communicated within the account dashboard. VIP tier accounts are eligible for enhanced withdrawal limits as detailed in the VIP Program terms.

5.5 Withdrawal Verification. ph46 may delay or withhold a withdrawal pending completion of identity verification, source of funds review, or investigation of a suspected Terms violation. ph46 will notify the affected user promptly and will endeavour to complete any review within five (5) business days.

5.6 Dormant Account Deductions. An account with no login activity for twelve (12) consecutive months shall be deemed dormant. ph46 reserves the right to apply an administrative maintenance fee of ₱50 per calendar month to dormant accounts. Users will be notified via their registered email or mobile number before any deduction commences.

6.1 General Bonus Terms. All bonuses, free spins, and promotional credits offered by ph46 are subject to specific terms that are published on the relevant promotion page. In the event of any conflict between the specific promotion terms and this Agreement, the specific promotion terms shall prevail for that promotion.

6.2 Wagering Requirements. Unless a promotion is explicitly stated as "no wagering," all bonus credits are subject to wagering requirements before they or associated winnings may be withdrawn. Wagering requirements are stated as a multiplier (e.g., 30x) applied to the bonus amount and/or deposit amount, as specified in the promotion details.

6.3 Contribution Rates. Not all games contribute equally to wagering requirements. Live dealer games, sports bets, and certain slot titles may contribute at a reduced percentage. Contribution rates for each game category are published in the promotion-specific terms.

6.4 Bonus Expiry. Bonuses that are not used within the promotional validity period as stated in the promotion terms will expire and be removed from the account without compensation.

6.5 Abuse Prevention. ph46 reserves the right to void bonuses, withhold withdrawals, and suspend accounts where evidence of bonus abuse, arbitrage betting, coordinated wagering, or exploitation of promotions in bad faith is identified. This includes, but is not limited to, the use of automated betting systems to clear wagering requirements.

6.6 One Bonus Per Household. Promotional offers are available to one (1) unique individual per household, per IP address, per device, or per payment method. Claiming multiple promotional offers through different accounts within the same household constitutes abuse.

7.1 Game Availability. The availability of specific games on ph46 may vary based on your jurisdiction, the time of day, scheduled maintenance, and decisions by the relevant game providers. ph46 does not guarantee the continuous availability of any particular game.

7.2 Technical Malfunctions. In the event of a technical malfunction, disconnection, or software error affecting a game round, ph46 will make reasonable efforts to reconstruct the outcome from server logs. If the outcome cannot be reliably determined, the affected wager may be voided and the stake returned. ph46 is not liable for losses caused by internet connectivity issues on the user's end.

7.3 Invalid Bets. ph46 reserves the right to void any bet placed: (a) after the result of an event is known; (b) on an event with an obvious pricing error; (c) using bonus funds in violation of applicable bonus terms; or (d) as part of a pattern of suspicious wagering activity.

7.4 Sports Betting Specific Terms. Sports betting at ph46 is governed by additional sport-specific and event-specific rules published within the sportsbook section of the Platform. These rules cover matters including, without limitation, settlement procedures, void conditions, live betting protocols, and accumulator rules.

7.5 RTP and Fairness. All slot and RNG table game outcomes on ph46 are determined by independently certified Random Number Generators. Return-to-Player ("RTP") percentages are provided by game providers and are indicative of long-term theoretical returns, not a guarantee of individual session outcomes.

8.1 You agree not to engage in any of the following prohibited activities while using ph46:

• Accessing the Platform using automated software, bots, spiders, scrapers, or similar tools;
• Employing artificial intelligence or algorithm-based systems to gain an unfair advantage in any game;
• Colluding with other players in live dealer games or poker-style games;
• Exploiting software bugs, glitches, or errors for monetary gain without promptly reporting them to ph46;
• Engaging in any activity constituting money laundering, including using the Platform to process proceeds of unlawful activity;
• Using stolen, fraudulent, or unauthorized payment instruments to fund your account;
• Harassing, threatening, or abusing ph46 staff, agents, or other players through any communication channel;
• Providing false information at registration or during any verification process;
• Registering or operating multiple accounts for any purpose;
• Accessing the Platform from a jurisdiction where such access is expressly prohibited by law.

8.2 ph46 employs monitoring systems to detect prohibited conduct. Where a violation is identified, ph46 may, at its sole discretion: void all affected wagers; withhold or confiscate account balances; permanently suspend the account; and/or report the activity to relevant authorities.

9.1 ph46 is committed to promoting responsible gambling practices and complying with applicable regulatory requirements in the Philippines. ph46 provides tools to help players maintain control of their gambling activity.

9.2 Available Responsible Gaming Tools:

• Deposit Limits: Set daily, weekly, or monthly caps on how much you can deposit;
• Session Time Reminders: Receive in-session alerts when a nominated time period has elapsed;
• Self-Exclusion: Exclude your account for a minimum period of 7 days up to 6 months. Exclusions cannot be shortened once applied;
• Game History Access: Full transaction and session history is available from the account dashboard at all times;
• Reality Checks: Configurable reminders displaying time elapsed and net wagering result during active sessions.

9.3 Self-Exclusion Permanence. Once a self-exclusion period is set and confirmed, it cannot be reduced or cancelled. ph46 will take all reasonable technical steps to enforce the exclusion during the nominated period.

9.4 Minor Protection. ph46 strongly encourages account holders to take appropriate measures to prevent minors from accessing gambling services, including enabling device-level parental controls and not sharing login credentials with family members under the age of 21.

9.5 External Support. If gambling is negatively affecting your finances, relationships, or mental health, ph46 encourages you to seek support. PAGCOR operates responsible gaming resources and helplines available to Philippine residents.

10.1 ph46 reserves the right to suspend, restrict, or permanently close any account, with or without prior notice, in the following circumstances:

• Violation of any provision of this Agreement;
• Failure to complete identity verification within the required timeframe;
• Receipt of a chargeback, reversal, or dispute from a payment provider;
• Evidence of fraudulent activity, money laundering, or criminal conduct;
• Regulatory or legal requirement to do so;
• Account inactivity for a period exceeding twenty-four (24) months.

10.2 Account Closure by Player. You may request closure of your ph46 account at any time by contacting customer support. Upon closure, any verified balance remaining in the account (net of applicable bonus balances subject to unmet wagering requirements) will be returned to your nominated withdrawal method within ten (10) business days.

10.3 Disputed Balances. Where an account suspension is pending investigation, the account balance will be held in escrow for a period not exceeding ninety (90) days, pending the outcome of the investigation. ph46 will communicate findings to the account holder where legally permissible.

11.1 All content, software, design elements, trademarks, service marks, logos, and intellectual property on the ph46 Platform are owned by or licensed to ph46. Nothing in this Agreement transfers any intellectual property right to you.

11.2 You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial gambling entertainment purposes. This licence does not permit you to: reproduce, distribute, modify, or create derivative works of any Platform content; use ph46 trademarks without express written consent; or access the Platform using automated means.

11.3 Game content, including animations, sounds, and graphics, are owned by or licensed from third-party game providers. ph46 does not claim ownership of third-party game content hosted on the Platform.

12.1 To the maximum extent permitted by applicable Philippine law, ph46's aggregate liability to you in connection with your use of the Platform shall not exceed the total amount deposited by you in the ninety (90) days immediately preceding the event giving rise to the claim.

12.2 ph46 shall not be liable for: (a) loss of profits, revenue, or anticipated winnings; (b) indirect, special, incidental, or consequential damages; (c) losses arising from your failure to maintain the security of your account credentials; (d) losses resulting from internet connectivity or device failures on your end; (e) changes to game availability, odds, or promotional terms.

12.3 No Warranty. The ph46 Platform is provided on an "as is" and "as available" basis. ph46 makes no warranty, express or implied, as to the fitness of the Platform for any particular purpose, uninterrupted availability, or freedom from errors.

12.4 Nothing in this Agreement shall exclude or limit ph46's liability for fraud, wilful misconduct, or any liability that cannot be excluded under applicable Philippine law.

13.1 ph46 collects, processes, and stores personal data in accordance with its Privacy Policy, which is available at ph46.org/privacy-policy, and in compliance with the Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012 of the Philippines.

13.2 By registering an account, you consent to the collection and processing of your personal data as described in the Privacy Policy, including for purposes of identity verification, fraud prevention, regulatory compliance, and personalized marketing communications (which you may opt out of at any time).

13.3 ph46 will not sell your personal data to third parties. Data may be shared with licensed identity verification providers, payment processors, game providers, and regulatory authorities as required by law or contract.

14.1 This Agreement shall be governed by and construed in accordance with the laws of the Philippines, without regard to its conflict of law provisions.

14.2 Informal Resolution. In the event of a dispute between you and ph46, both parties agree to first attempt to resolve the matter informally by contacting ph46 customer support. ph46 will make good-faith efforts to resolve any complaint within fourteen (14) business days of receipt.

14.3 Formal Disputes. If a dispute cannot be resolved informally, it shall be subject to the exclusive jurisdiction of the competent courts of the Philippines. You irrevocably consent to the personal jurisdiction and venue of such courts for all disputes arising from this Agreement.

14.4 Regulatory Complaints. You retain the right to escalate complaints to the relevant Philippine gaming regulatory authority if you believe ph46 has failed to comply with applicable regulatory requirements.

15.1 ph46 may amend these Terms and Conditions at any time. The effective date of the most recent version is displayed at the top of this page.

15.2 For material changes that substantially affect player rights or obligations, ph46 will provide at least fourteen (14) days' advance notice via email or SMS to registered users. Continued use of the Platform after the effective date of an amendment constitutes acceptance of the revised Terms.

15.3 It is your responsibility to periodically review this page to stay informed of any updates. ph46 recommends bookmarking this page and reviewing it at least once every three months.

16.1 For any questions, concerns, or complaints regarding these Terms and Conditions or your ph46 account, please contact our support team through the following channels:

• Live Chat: Available 24/7 directly on the ph46.org website — average response time 3–5 minutes;
• Email: support at ph46.org — responses within 24 hours;
• Languages: English and Tagalog-speaking agents are always available.

16.2 For matters related to responsible gaming, account self-exclusion, or problem gambling support, please contact our responsible gaming team directly via live chat — agents dedicated to responsible gaming matters are available around the clock.