78phpearl Terms & Conditions

1. Introduction & Acceptance of Terms

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.

2. Eligibility & Age Restriction

To be eligible to register and use the 78phpearl Platform, you must:

• Be at least 21 years of age at the time of registration and at all times during use;
• Be a resident of the Philippines or otherwise permitted under applicable law to access online gaming platforms licensed by PAGCOR;
• Be registering and playing on your own behalf, not on behalf of any third party;
• Not be an employee, director, officer, agent, or affiliate of 78phpearl or any company in our corporate group;
• Not be excluded from gambling under any self-exclusion program, PAGCOR directive, court order, or applicable law;
• Have the full legal capacity to enter into a binding agreement under Philippine law.

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.

3. Account Registration

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.

4. Identity Verification (KYC)

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:

• Government-issued photo identification (Philippine National ID, passport, driver's license, SSS/GSIS ID, or equivalent);
• Proof of Philippine residential address (utility bill, bank statement, or government correspondence dated within 90 days);
• Proof of payment method ownership (screenshot of GCash account matching registered name, or bank account ownership document);
• Selfie with government ID for biometric verification.

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.

5. Deposits & Withdrawals

All financial transactions on the 78phpearl Platform are conducted in Philippine Peso (₱). The following terms apply to all deposit and withdrawal transactions:

• Minimum Deposit: ₱100 per transaction via GCash, Maya, QR Ph, and most other supported methods. Bank transfer minimums may vary.
• Minimum Withdrawal: ₱200 per transaction.
• Withdrawal Processing Time: Standard GCash and Maya withdrawals are typically processed within 15 minutes. Bank transfers may take 1–3 business days.
• Withdrawal Verification: Withdrawals to payment methods not previously used for deposits may require additional identity verification.
• Transaction Limits: Daily, weekly, and monthly transaction limits apply to all accounts. These limits comply with PAGCOR requirements and may be adjusted by 78phpearl from time to time.

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.

6. Bonuses & Promotional Offers

78phpearl may offer bonuses, free credits, cashback, and other promotional incentives to eligible players. The following general terms apply to all bonus offers:

• Bonuses are subject to individual promotion-specific terms, including wagering requirements, eligible games, minimum odds, expiry periods, and maximum withdrawal limits;
• 78phpearl reserves the right to modify, suspend, or cancel any promotion at any time without prior notice;
• Bonus abuse, including but not limited to: creating multiple accounts to claim bonuses, using wagering software, coordinating with other players to exploit promotions, or any other manipulative conduct, will result in immediate account suspension and forfeiture of all bonus funds and winnings derived therefrom;
• Welcome bonuses and first-deposit promotions are available to new 78phpearl players only, one per person, one per household, and one per device/IP address;
• 78phpearl's decision on any bonus-related dispute is final and binding.

7. Betting Rules & Game Conduct

The following rules apply to all gaming activity on the 78phpearl Platform:

• All bets are final once confirmed. 78phpearl does not accept cancellation requests for confirmed bets except in cases of technical malfunction;
• In the event of a technical failure, software error, or communication disruption that affects game integrity, 78phpearl reserves the right to void affected bets and refund stakes;
• Game outcomes generated by certified Random Number Generator (RNG) systems are final. 78phpearl publishes verified Return to Player (RTP) percentages for all RNG games;
• Live casino outcomes are determined by physical dealing/spinning processes and are final once the round concludes;
• Minimum and maximum bet limits apply to all games and may vary by table, game type, and account tier;
• 78phpearl reserves the right to void bets placed in error or where incorrect odds or payouts were displayed due to a manifest error.

8. Prohibited Conduct

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:

• Using automated bots, scripts, or software to place bets or interact with the Platform;
• Colluding with other players to gain an unfair advantage in any game;
• Exploiting software bugs, glitches, or vulnerabilities — any such exploitation must be reported to 78phpearl support immediately;
• Using the Platform in connection with money laundering, terrorist financing, or any criminal activity;
• Attempting to access another player's account without authorization;
• Creating accounts using false identity information;
• Charging back deposits via payment providers after receiving bonus funds or placing bets;
• Any form of harassment, abusive language, or threatening behavior directed at dealers, support staff, or other players.

9. Responsible Gaming

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:

• Deposit Limits: Set daily, weekly, or monthly limits on deposits via your account settings;
• Session Time Reminders: Configure alerts that notify you after specified periods of continuous play;
• Self-Exclusion: Temporarily or permanently exclude yourself from the 78phpearl Platform at any time. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period;
• Reality Checks: Regular on-screen notifications showing time spent and net result for the current session.

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.

10. Account Suspension & Closure

78phpearl reserves the right to suspend, restrict, or permanently close any player account, with or without prior notice, under the following circumstances:

• Violation of any provision of these Terms;
• Failure to complete or pass KYC verification when requested;
• Reasonable suspicion of fraudulent activity, money laundering, or other illegal conduct;
• PAGCOR directive or court order requiring suspension;
• Player-initiated self-exclusion request;
• Account inactivity exceeding 12 consecutive months.

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.

11. Intellectual Property

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.

12. Limitation of Liability

To the maximum extent permitted by Philippine law:

• 78phpearl provides the Platform on an "as is" and "as available" basis, without warranties of any kind, express or implied;
• 78phpearl is not liable for any direct, indirect, incidental, special, or consequential losses arising from your use of, or inability to use, the Platform;
• 78phpearl's total liability to any individual player for any claim arising out of these Terms shall not exceed the amount deposited by that player in the 30-day period immediately preceding the claim;
• 78phpearl is not liable for interruptions to service caused by factors outside its reasonable control, including telecommunications failures, third-party payment provider outages, PAGCOR directives, or force majeure events.

Nothing in these Terms limits liability for fraud, gross negligence, or any other liability that cannot be limited under applicable Philippine law.

13. Privacy & Data Protection

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.

14. Governing Law & Dispute Resolution

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.

15. Amendments to These Terms

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.

16. Contact Information

For questions about these Terms, account disputes, KYC submissions, responsible gaming support, or any other matter relating to your 78phpearl account:

• Email: support@78phpearl.com
• Live Chat: Available 24/7 through the 78phpearl Platform
• Response Time: Within 2 hours for live chat; within 24 hours for email

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.