phmasaya Terms & Conditions

1 Acceptance of Terms

By accessing, registering on, or using any part of the phmasaya website located at phmasaya.net ("the Platform"), you ("the User," "Player," or "you") acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions ("Terms"), together with our Privacy Policy, Responsible Gaming Policy, and any other rules or supplemental terms referenced herein, all of which are incorporated into these Terms by reference.

If you do not agree with any provision of these Terms, you must immediately cease using the phmasaya Platform and, if applicable, close your account. Your continued use of the Platform following any amendment to these Terms constitutes your acceptance of the revised version.

2 Eligibility and Age Verification

To register and use the phmasaya Platform, 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 the regulations of the Philippine Amusement and Gaming Corporation (PAGCOR) for all online gaming activities;
• You must be a resident of or physically located in a jurisdiction where online gambling is lawful and where use of the phmasaya Platform is not prohibited by applicable law;
• You must not be a current employee, contractor, director, officer, or immediate family member of phmasaya or any of its affiliated companies, game providers, or service partners;
• You must have full legal capacity to enter into a binding contract under the laws of the Philippines;
• You must not be subject to a self-exclusion order issued through phmasaya's Responsible Gaming tools or through PAGCOR's exclusion registry;
• You must not have had a previous phmasaya account terminated for a breach of these Terms.

phmasaya reserves the right to request identity verification documents at any time, including during registration, before processing withdrawals, or when a risk assessment identifies the need for verification. Failure to provide satisfactory documentation within the timeframe specified by phmasaya may result in suspension of the account and withholding of withdrawals pending compliance.

3 Account Registration and Management

3.1 Registration Requirements

To access real-money gaming features on phmasaya, you must complete the registration process by providing accurate, complete, and current personal information including your full legal name, date of birth, Philippine mobile number, and any other information requested. You represent and warrant that all information provided is truthful and accurate.

3.2 One Account Policy

Each individual person may register and maintain only one (1) active account on the phmasaya Platform. The creation of multiple accounts by a single individual — whether using different names, email addresses, mobile numbers, or payment methods — is strictly prohibited and constitutes a material breach of these Terms. phmasaya reserves the right to close all duplicate accounts and, at its discretion, confiscate any winnings generated through multiple accounts.

3.3 Account Credentials

You are solely responsible for maintaining the confidentiality and security of your phmasaya login credentials, including your password and any two-factor authentication (2FA) codes. You agree to notify phmasaya immediately upon becoming aware of any unauthorised use of your account or any security breach affecting your credentials. phmasaya will not be liable for any loss or damage arising from your failure to safeguard your account credentials.

3.4 Account Verification (KYC)

As required under PAGCOR regulations and Philippine anti-money laundering laws, phmasaya conducts Know Your Customer (KYC) verification before processing a player's first withdrawal. KYC requires submission of a valid Philippine government-issued photo identification document and may include additional documentation. Verification must be completed to enable full account functionality including withdrawals.

4 Deposits, Withdrawals, and Payments

phmasaya accepts deposits and processes withdrawals through the following payment methods, subject to the limits and processing times set out below:

All deposits must be made from payment accounts registered in your own name. Third-party deposits are not permitted. phmasaya reserves the right to request proof of ownership for any payment method used. Withdrawals will only be processed to a payment method previously verified and associated with your phmasaya account.

phmasaya reserves the right to suspend withdrawal processing pending completion of KYC verification, ongoing investigations, or in response to fraud alerts. In such cases, phmasaya will notify the player and provide a reasonable timeframe for resolution.

5 Bonuses, Promotions, and Wagering Requirements

phmasaya offers various bonuses and promotions to eligible players, including but not limited to welcome bonuses, reload bonuses, cashback offers, free spins, and VIP tier rewards. All bonuses are subject to the following general conditions, in addition to any specific terms communicated at the time the bonus is awarded:

• Bonus funds are separate from real-money funds and are subject to wagering requirements before they can be converted to withdrawable cash;
• Wagering requirements must be satisfied within the validity period stated for each bonus. Bonuses not wagered within the validity period will expire and be removed from the account;
• Winnings generated from bonus funds may be subject to a maximum withdrawal cap, which will be disclosed in the specific bonus terms;
• Bonuses may be restricted to certain game categories. Bets placed on restricted games during an active bonus will not contribute toward wagering requirements and may void the bonus;
• phmasaya reserves the right to modify, suspend, or terminate any bonus or promotion at any time, with reasonable notice to affected players;
• Evidence of bonus abuse — including but not limited to coordinated wagering patterns, account collusion, or exploiting promotional mechanics in a manner inconsistent with genuine play — will result in bonus forfeiture and may result in account suspension.

6 Gameplay Rules and Fair Use

All games available on the phmasaya Platform use certified Random Number Generator (RNG) technology independently audited by accredited testing laboratories. phmasaya does not modify certified payout rates or RNG configurations. Published Return to Player (RTP) figures are sourced directly from providers without adjustment.

You agree to use the phmasaya Platform solely for personal entertainment and in compliance with these Terms. The following are strictly prohibited on the phmasaya Platform:

• Using automated software, bots, artificial intelligence tools, or any system designed to provide an unfair advantage in gameplay;
• Exploiting software errors, bugs, or glitches for financial gain — any winnings obtained through exploiting errors are not valid and will be voided;
• Colluding with other players or third parties to gain an unfair advantage in any game, tournament, or promotional event;
• Engaging in money laundering or any activity that violates the Anti-Money Laundering Act of the Philippines (Republic Act 9160, as amended);
• Sharing your account credentials with or allowing any third party to operate your phmasaya account.

phmasaya reserves the right to void bets, withhold winnings, and suspend or close accounts where fraudulent or prohibited activity is suspected or detected, pending investigation. Decisions by phmasaya regarding gameplay disputes are final, subject to PAGCOR's dispute resolution process.

7 Responsible Gaming

phmasaya is committed to promoting responsible gambling and operates in compliance with PAGCOR's responsible gaming requirements. The Platform provides the following tools to help players manage their gambling activity:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits on their account;
• Session Time Limits: Players may configure session duration limits and reality-check reminders;
• Self-Exclusion: Players may request temporary or permanent self-exclusion from the Platform;
• Cooling-Off Periods: Players may apply a cooling-off period during which their account is temporarily deactivated.

All responsible gaming requests made in good faith will be actioned by phmasaya within 24 hours. Players under self-exclusion may not register new accounts for the duration of the exclusion period. phmasaya actively monitors for attempts to circumvent self-exclusion.

8 Intellectual Property

All content on the phmasaya Platform — including but not limited to the phmasaya brand name, logo, website design, text, graphics, game interfaces, software, and promotional materials — is the exclusive intellectual property of phmasaya or its licensors and is protected under applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phmasaya Platform for personal, non-commercial entertainment purposes only. You may not copy, reproduce, modify, distribute, publish, frame, or commercially exploit any phmasaya content without prior written consent from phmasaya.

9 Limitation of Liability and Disclaimers

To the fullest extent permitted by Philippine law, phmasaya, its directors, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or loss of goodwill, arising from or in connection with your use of or inability to use the phmasaya Platform.

phmasaya's total aggregate liability to any player for any claim arising from these Terms or use of the Platform shall not exceed the total amount of real-money funds deposited by that player in the three (3) calendar months preceding the event giving rise to the claim.

phmasaya does not warrant that the Platform will be available at all times, free of errors, or free of interruptions. Scheduled maintenance, force majeure events, technical failures by third-party providers, or regulatory requirements may affect service availability. phmasaya will make reasonable efforts to notify players of significant planned outages.

10 Account Suspension and Termination

phmasaya reserves the right to suspend, restrict, or permanently close any player account, with or without notice, in any of the following circumstances:

• Breach of any provision of these Terms;
• Discovery that the player does not meet the eligibility requirements in Section 2;
• Suspected or confirmed fraud, money laundering, or other illegal activity;
• Player self-exclusion request;
• Direction from PAGCOR or any other regulatory or law enforcement authority;
• Extended account inactivity (accounts inactive for 12 consecutive months may be subject to dormancy processing).

Upon account termination for reasons other than proven player misconduct, any remaining real-money balance (excluding bonus funds subject to uncompleted wagering requirements) will be returned to the player's verified payment method within a reasonable timeframe determined by phmasaya, typically within 14 business days.

11 Privacy and Data Protection

phmasaya collects, processes, and stores personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act 10173) and its Implementing Rules and Regulations. Full details of how phmasaya handles your personal data — including what data is collected, how it is used, how it is stored, and how you may exercise your data subject rights — are set out in the phmasaya Privacy Policy.

By registering a phmasaya account, you consent to the collection and processing of your personal data as described in the Privacy Policy. Where required by PAGCOR regulations or Philippine law, phmasaya may be required to share player data with regulatory or law enforcement authorities without prior notice to the player.

12 Amendments to These Terms

phmasaya reserves the right to modify, update, or replace these Terms at any time. Material changes will be communicated to registered players via the contact details on their account (mobile number or email) and will be posted on the phmasaya Platform with an updated effective date at least seven (7) days before the changes take effect, except where immediate changes are required by law or PAGCOR directive.

Continued use of the phmasaya Platform after the effective date of any amendment constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must cease using the Platform and may close your account.

13 Governing Law and Dispute Resolution

These Terms and any dispute, claim, or controversy arising from or related to these Terms or your use of the phmasaya Platform shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law provisions.

In the event of any dispute between a player and phmasaya, the parties shall first attempt to resolve the matter through phmasaya's internal complaint resolution process. Players may initiate a complaint by contacting phmasaya support through the Platform's live chat or by email at [email protected]. phmasaya will acknowledge receipt of a formal complaint within 48 hours and aims to resolve disputes within 14 business days.

Where a dispute cannot be resolved through phmasaya's internal process, the matter may be escalated to PAGCOR in accordance with PAGCOR's player complaint procedures. The parties agree to submit to the exclusive jurisdiction of the Philippine courts for any dispute that cannot be resolved through the above process.

14 Contact Information

If you have any questions regarding these Terms and Conditions or any other aspect of the phmasaya Platform, please contact us through any of the following channels:

These Terms and Conditions were last reviewed and updated on January 1, 2026. The current version supersedes all previous versions of the phmasaya Terms and Conditions.