Legal Agreement
Effective Date: 1 January 2026 | Last Updated: 1 June 2026 | Applicable Platform: 78phpearl.com
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "You") and 78phpearl ("Company," "We," "Us," or "Our"), the operator of the online gaming platform accessible at 78phpearl.com ("Platform").
78phpearl is a licensed online casino and sports betting operator regulated by the Philippine Amusement and Gaming Corporation (PAGCOR) under the laws of the Republic of the Philippines. These Terms govern all use of the Platform, including all games, features, promotions, financial transactions, and communications.
By accessing or using any portion of the 78phpearl Platform, you acknowledge that you are entering into a binding legal agreement with the Company. These Terms apply in addition to any supplemental terms and conditions applicable to specific games, promotions, or features, which are incorporated herein by reference.
To be eligible to register and use the 78phpearl Platform, you must:
78phpearl reserves the right to request proof of eligibility at any time. Failure to provide satisfactory proof may result in account suspension and forfeiture of any outstanding balance pending investigation.
Each individual person may hold only one (1) active 78phpearl account. Multiple accounts per person are prohibited. If duplicate accounts are discovered, 78phpearl reserves the right to close all duplicate accounts, retain any bonuses credited across those accounts, and apply other remedies at its discretion.
During registration, you must provide accurate, complete, and truthful information including your full legal name, date of birth, Philippine mobile number, and any other details requested. You are responsible for maintaining the accuracy of your registration information and must update it promptly if any details change.
You are solely responsible for the security of your 78phpearl login credentials. You must not share your password, OTP, or account access with any third party. 78phpearl will not be liable for any losses arising from unauthorized access to your account resulting from your failure to maintain credential security.
78phpearl reserves the right to decline any registration application at its sole discretion without being required to provide a reason.
In compliance with PAGCOR requirements and Philippine anti-money laundering regulations, 78phpearl implements a mandatory Know Your Customer ("KYC") verification process. You may be required to submit the following documents:
78phpearl may request KYC documents at registration, before processing withdrawals above certain thresholds, or at any point during your use of the Platform. Withdrawal processing may be suspended pending completion of KYC verification. 78phpearl is not liable for any delays resulting from incomplete or unsatisfactory KYC submissions.
All financial transactions on the 78phpearl Platform are conducted in Philippine Peso (₱). The following terms apply to all deposit and withdrawal transactions:
78phpearl reserves the right to suspend deposit or withdrawal processing if fraud, money laundering, or other illicit activity is suspected. All suspicious transactions will be reported to the relevant Philippine authorities as required by the Anti-Money Laundering Act (AMLA) and its implementing regulations.
Players are responsible for any taxes or duties applicable to their winnings under Philippine tax law. 78phpearl is not responsible for calculating, withholding, or remitting any player tax obligations except where specifically required by applicable law.
78phpearl may offer bonuses, free credits, cashback, and other promotional incentives to eligible players. The following general terms apply to all bonus offers:
The following rules apply to all gaming activity on the 78phpearl Platform:
The following activities are strictly prohibited on the 78phpearl Platform and will result in immediate account suspension, forfeiture of funds, and reporting to PAGCOR and relevant law enforcement authorities:
78phpearl is committed to promoting responsible gambling in accordance with PAGCOR's standards. The following responsible gaming tools are available to all 78phpearl account holders:
If you believe you have a gambling problem, 78phpearl encourages you to contact our 24/7 support team to activate self-exclusion, or seek assistance from PAGCOR's responsible gaming resources. Gambling should be entertainment — if it stops being fun, please stop and seek help immediately.
78phpearl reserves the right to suspend, restrict, or permanently close any player account, with or without prior notice, under the following circumstances:
In the event of account closure for cause, 78phpearl may withhold and forfeit any outstanding balance pending investigation. Where closure is not due to player misconduct, verified balances will be returned to the player's registered payment method following completion of any outstanding compliance procedures.
Players wishing to voluntarily close their 78phpearl account may do so at any time by contacting the 24/7 live chat support team or emailing support@78phpearl.com.
All content on the 78phpearl Platform — including but not limited to software, game code, graphics, logos, trademarks, sound recordings, text, and database content — is the exclusive intellectual property of 78phpearl or its licensed content providers. All rights are reserved.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal, non-commercial entertainment purposes, subject to these Terms. This licence does not grant you any rights to copy, distribute, modify, create derivative works of, or commercially exploit any Platform content.
To the maximum extent permitted by Philippine law:
Nothing in these Terms limits liability for fraud, gross negligence, or any other liability that cannot be limited under applicable Philippine law.
78phpearl collects, processes, and stores your personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By accepting these Terms, you consent to the data practices described in the Privacy Policy, including the collection of identity documents for KYC purposes, transaction data for AMLA compliance, and usage data for platform improvement.
78phpearl implements industry-standard security measures to protect your personal data. All login sessions and financial transactions are encrypted using TLS 1.3. Personal data is stored on PAGCOR-compliant servers located within or accessible from the Philippines.
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from or relating to these Terms or your use of the 78phpearl Platform shall be subject to the exclusive jurisdiction of the courts of the Philippines.
Before initiating formal proceedings, players are encouraged to submit disputes to 78phpearl's internal dispute resolution process by contacting support@78phpearl.com. 78phpearl will acknowledge all formal dispute submissions within 48 hours and provide a substantive response within 10 business days. Unresolved disputes may be escalated to PAGCOR through its official player complaints mechanism.
78phpearl reserves the right to amend these Terms at any time. Material amendments will be communicated to registered players via the registered mobile number or email address on file, with a minimum of 7 days' notice before the amended Terms take effect. Non-material amendments (including typographical corrections and clarifications that do not alter player rights) may be made without prior notice.
Continued use of the 78phpearl Platform following the effective date of any amended Terms constitutes your acceptance of the revised Terms. If you do not accept the amended Terms, you must cease using the Platform and may request account closure.
For questions about these Terms, account disputes, KYC submissions, responsible gaming support, or any other matter relating to your 78phpearl account:
These Terms & Conditions were last updated on 1 June 2026 and supersede all previous versions. The English-language version of these Terms is the authoritative version for all purposes.
All 78phpearl players must be 21 years of age or older. Mandatory KYC age verification applies to every registered account in compliance with PAGCOR regulations.
Only one 78phpearl account is permitted per individual. Duplicate accounts will be suspended and balances may be forfeited pending investigation.
All deposits, bets, wins, and withdrawals at 78phpearl are processed in Philippine Peso. No foreign currency conversion fees. GCash minimum deposit ₱100.
All 78phpearl bonuses are subject to wagering requirements and promotion-specific terms. Bonus abuse will result in account suspension and forfeiture of associated winnings.
Any 78phpearl player can activate self-exclusion at any time via live chat or account settings. Exclusions are processed within 24 hours and cannot be reversed during the exclusion period.
78phpearl operates under a PAGCOR license. Unresolved disputes may be escalated to PAGCOR. All operations are subject to Philippine gaming law and AMLA compliance requirements.
You've read the Terms — now experience the Philippines' most complete PAGCOR-regulated online casino. Color Game, live casino, slots, sports, sabong, and bingo. GCash deposits. Real peso winnings.
21+ Play responsibly. Gambling involves risk. By registering you confirm you are 21+ and agree to the 78phpearl Terms & Conditions.