Terms & Conditions

1. Definitions and Interpretation

In these Terms & Conditions, unless the context requires otherwise, the following terms shall have the meanings assigned to them below:

• "91phk," "we," "us," "our," "the Company," or "the Platform" refers to 91phk Casino, the operator of the website located at https://91phk.cam and all associated services, software, mobile applications, and gaming products.
• "User," "you," "your," "Player," or "Account Holder" refers to any individual who registers for, accesses, or uses the 91phk Casino Platform in any capacity.
• "Account" refers to the personal gaming account created by a User upon registration with 91phk Casino, which contains the User's personal information, transaction history, and account balance.
• "Services" refers to all gaming products, features, and functionalities provided by 91phk Casino, including but not limited to online slots, live casino games, sports betting, bingo, table games, arcade games, and any other entertainment offerings available through the Platform.
• "Terms," "Terms & Conditions," or "Agreement" refers to this legal document, including all amendments, supplements, and updates published by 91phk Casino from time to time.
• "Stake" or "Wager" refers to the amount of money placed by a User on any gaming activity offered by 91phk Casino.
• "Bonus" refers to promotional credits, free spins, cashback, or any other incentive offered by 91phk Casino to Users, subject to specific terms and wagering requirements.
• "RTP" (Return to Player) refers to the theoretical percentage of total money wagered on a game that will be paid back to players over time.
• "KYC" (Know Your Customer) refers to the identity verification process required by 91phk Casino to comply with regulatory requirements and prevent fraud.

2. Eligibility and Account Registration

2.1 Age Requirement

You must be at least twenty-one (21) years of age to create an account and use the services provided by 91phk Casino. This age requirement is strictly enforced in accordance with Philippine gambling regulations. By registering an account, you represent and warrant that you have reached the legal gambling age in your jurisdiction and possess the legal capacity to enter into this binding agreement. 91phk Casino reserves the right to request proof of age at any time, and failure to provide satisfactory documentation will result in immediate account suspension and forfeiture of all funds and winnings.

2.2 Geographic Restrictions

The services provided by 91phk Casino are intended primarily for users located in the Philippines. Users accessing the Platform from jurisdictions where online gambling is prohibited or restricted do so at their own risk and in violation of local laws. 91phk Casino expressly disclaims any liability for Users who access the Platform from jurisdictions where such access is illegal. It is the User's sole responsibility to ensure that their use of 91phk Casino complies with all applicable laws in their jurisdiction.

2.3 Account Registration Process

To use 91phk Casino services, you must register for an account by providing accurate, current, and complete information as prompted by the registration form. Required information includes but is not limited to: full legal name as it appears on government-issued identification, date of birth, valid email address, active mobile phone number, residential address, and chosen username and password. You agree to maintain and promptly update your account information to ensure its accuracy. Providing false, misleading, or incomplete information constitutes a material breach of these Terms and may result in immediate account termination.

2.4 One Account Per Person

Each User is permitted to maintain only one (1) active account with 91phk Casino. Creating multiple accounts, whether under your own name or using false identities, is strictly prohibited and constitutes fraudulent activity. If 91phk Casino detects multiple accounts belonging to the same individual, all duplicate accounts will be permanently closed, all pending transactions will be voided, all bonuses will be forfeited, and winnings from duplicate accounts may be confiscated. Only the first registered account may be retained at the Company's sole discretion.

2.5 Identity Verification (KYC)

91phk Casino is committed to preventing fraud, money laundering, and underage gambling. As part of our regulatory compliance obligations, we reserve the right to request identity verification documents from any User at any time. Such documents may include but are not limited to: government-issued photo identification (Philippine driver's license, passport, UMID, PhilSys ID, or voter's ID), proof of address (utility bill or bank statement dated within the last three months), and payment method verification (screenshot or photo of payment card or e-wallet account). Users must provide requested documentation within fourteen (14) days of the request. Failure to comply will result in account suspension and withdrawal restrictions until verification is completed satisfactorily. All verification documents must be clear, legible, and show all four corners of the document.

3. Account Security and Responsibilities

3.1 Password and Login Credentials

Upon registration, you will create a password to secure your 91phk Casino account. You are solely responsible for maintaining the confidentiality of your login credentials (username and password) and for all activities that occur under your account. Your password must meet minimum security requirements as specified during registration. You agree to immediately notify 91phk Casino of any unauthorized use of your account or any other breach of security. 91phk Casino will not be liable for any loss or damage arising from your failure to protect your account credentials. You must never share your password with any third party, including individuals claiming to represent 91phk Casino customer support. Legitimate 91phk Casino staff will never ask for your password.

3.2 Account Activity Monitoring

91phk Casino employs sophisticated monitoring systems to detect unusual account activity, potential fraud, and violation of these Terms. You acknowledge and consent to such monitoring. If suspicious activity is detected, 91phk Casino may temporarily suspend your account pending investigation. You agree to cooperate fully with any investigation, including providing additional documentation or information as requested. Suspicious activities include but are not limited to: login attempts from multiple geographic locations within short time periods, irregular betting patterns indicative of bonus abuse or collusion, use of VPNs or proxy servers to disguise location, and transaction patterns consistent with money laundering.

3.3 Account Inactivity

If your 91phk Casino account remains inactive (no login, deposits, or wagers) for a period of twelve (12) consecutive months, your account will be classified as dormant. Dormant accounts may be subject to an administrative maintenance fee of PHP 100 per month, deducted from the account balance until the balance reaches zero or the account is reactivated through login and activity. 91phk Casino will provide email notification thirty (30) days before implementing dormancy fees. To reactivate a dormant account, simply login to your account; no additional action is required unless KYC reverification is requested.

4. Deposits, Withdrawals, and Financial Transactions

4.1 Deposit Methods and Limits

91phk Casino supports various deposit methods convenient for Filipino players, including GCash, Maya (formerly PayMaya), bank transfers from major Philippine banks (BPI, BDO, UnionBank, Metrobank, etc.), 7-Eleven Cliqq, and cryptocurrency via USDT TRC20. All deposits are processed in Philippine Pesos (PHP). Minimum deposit amounts vary by payment method but generally range from PHP 100 to PHP 500. Maximum deposit limits depend on your account verification status and VIP tier. Unverified accounts may face lower transaction limits. All deposits are final and non-refundable once credited to your account, except in cases of clear processing error by 91phk Casino or the payment provider.

4.2 Withdrawal Processing

Withdrawals may be requested once your account has been fully verified through the KYC process. Withdrawal processing times vary by method: GCash and Maya withdrawals for verified accounts are typically processed within 1-4 hours during business hours; bank transfers may take 4-24 hours depending on the receiving bank; cryptocurrency withdrawals are generally processed within 1-6 hours. Withdrawal requests submitted on weekends or Philippine public holidays may experience slight delays. Minimum withdrawal amount is typically PHP 200; maximum withdrawal limits vary based on verification status and VIP level, ranging from PHP 50,000 per transaction for standard accounts to PHP 500,000+ for VIP Diamond members. Withdrawals must be made to an account or payment method registered in your own name matching your verified identity.

4.3 Wagering Requirements and Withdrawal Restrictions

All deposits must be wagered at least one (1) time at minimum odds or game contribution rates before withdrawal is permitted. This requirement exists to comply with anti-money laundering regulations and prevent the Platform from being used for payment processing purposes unrelated to gaming. Bonus funds carry specific wagering requirements detailed in the applicable bonus terms, typically ranging from 15x to 50x the bonus amount. Attempting to withdraw funds before meeting wagering requirements may result in forfeiture of bonus funds and associated winnings. 91phk Casino reserves the right to investigate withdrawal patterns and request additional documentation or impose additional requirements where suspicious activity is detected.

4.4 Transaction Fees

91phk Casino does not charge fees for deposits or withdrawals. However, your payment provider (GCash, Maya, bank, etc.) may impose their own transaction fees, currency conversion charges, or service fees. Such third-party fees are beyond 91phk Casino's control and are the responsibility of the User. If you use a payment method that incurs currency conversion (e.g., depositing from a USD account when 91phk operates in PHP), exchange rate fluctuations and conversion fees may apply.

5. Bonuses, Promotions, and Loyalty Programs

5.1 General Bonus Terms

91phk Casino offers various bonuses, promotions, and loyalty rewards to enhance the gaming experience of Filipino players. All bonuses are subject to specific terms and conditions that must be read and understood before claiming. Unless otherwise stated, bonuses carry wagering requirements that must be met before any winnings derived from bonus funds can be withdrawn. Wagering requirements specify the number of times you must wager the bonus amount (or bonus plus deposit) before withdrawal is permitted. Different games contribute different percentages toward wagering requirements: slots typically contribute 100%, table games may contribute 10-20%, and some games may be excluded entirely from bonus wagering.

5.2 Bonus Abuse and Forfeiture

Attempting to abuse bonuses or exploit promotional offers constitutes a material breach of these Terms. Prohibited bonus abuse activities include but are not limited to: creating multiple accounts to claim the same bonus multiple times, colluding with other players to manipulate outcomes, using betting strategies designed solely to clear wagering requirements with minimal risk (e.g., betting on opposite outcomes in the same event), and any other activity deemed by 91phk Casino to be contrary to the spirit of the promotion. Upon detection of bonus abuse, 91phk Casino reserves the right to void all bonuses, confiscate winnings derived from abused bonuses, and permanently close the offending account without prior notice.

5.3 VIP and Loyalty Program

91phk Casino operates a tiered VIP loyalty program rewarding players for their continued patronage. VIP tiers (Bronze, Silver, Gold, Platinum, Diamond) are based on cumulative wagering activity. Benefits increase with tier level and include enhanced cashback percentages, higher withdrawal limits, exclusive bonuses, birthday gifts, dedicated account managers, and priority customer support. 91phk Casino reserves the right to modify VIP tier requirements and benefits at any time with reasonable notice. VIP status and associated benefits are non-transferable and may be revoked if the account holder violates any provision of these Terms.

6. Gaming Rules and Fair Play

6.1 Random Number Generator (RNG) and Fair Gaming

All games offered by 91phk Casino, excluding live dealer games and sports betting, use certified Random Number Generator (RNG) technology to ensure fair and unpredictable outcomes. RNG systems are regularly tested and audited by independent testing agencies to verify compliance with industry standards. Live dealer games are conducted by professional dealers in real-time with physical equipment (cards, dice, roulette wheels) and streamed via video feed. Sports betting odds are determined by market conditions and international bookmaking standards. 91phk Casino does not manipulate game outcomes and operates solely on the mathematical house edge inherent in each game.

6.2 Return to Player (RTP) Percentages

Each slot game and casino game available on the 91phk platform has a theoretical Return to Player (RTP) percentage representing the amount returned to players over millions of game rounds. RTP percentages for individual games are displayed in the game information or help sections. RTP is calculated over the long term and does not guarantee specific results for any individual gaming session. Short-term variance means players may experience wins or losses significantly different from the stated RTP during actual play.

6.3 Betting Limits and Responsible Gaming

91phk Casino imposes minimum and maximum betting limits on games to ensure responsible gaming practices and financial stability. Limits vary by game type and may change without notice. Users are encouraged to gamble responsibly and within their financial means. 91phk Casino provides responsible gaming tools including deposit limits, loss limits, session time reminders, and self-exclusion options. Setting these limits is voluntary but recommended. Once set, limits cannot be increased immediately and may require a cooling-off period of 24-48 hours to prevent impulsive gambling behavior.

6.4 Irregular Play and Strategy Abuse

91phk Casino reserves the right to investigate and void bets or winnings resulting from irregular play patterns or strategy abuse. Irregular play includes but is not limited to: exploiting software bugs or errors, using automated betting software or bots, engaging in arbitrage betting across multiple platforms, late betting when outcome is already known or substantially predictable, and collusion with other players to manipulate game outcomes. Upon detection of irregular play, 91phk Casino may void all affected bets, confiscate winnings, and close the account permanently.

7. Prohibited Activities and Account Closure

7.1 Prohibited Activities

The following activities are strictly prohibited when using 91phk Casino services:

• Creating multiple accounts or using false identities to circumvent restrictions or abuse bonuses
• Using the Platform for money laundering or other illegal financial activities
• Colluding with other players or third parties to manipulate game outcomes or gain unfair advantages
• Using VPNs, proxy servers, or other tools to disguise your location or circumvent geographic restrictions
• Attempting to hack, reverse engineer, or otherwise compromise the security or integrity of the Platform
• Uploading viruses, malware, or other malicious code to the Platform
• Harassing, threatening, or abusing other players or 91phk Casino staff members
• Using offensive, inappropriate, or trademarked usernames
• Sharing your account credentials with third parties or allowing others to use your account
• Engaging in any activity that violates these Terms & Conditions or applicable Philippine law

7.2 Account Closure and Suspension

91phk Casino reserves the right to suspend or permanently close your account at any time, with or without notice, for violation of these Terms & Conditions or at our sole discretion. Upon account closure, all pending bonuses will be forfeited. If closure is due to fraudulent activity or Terms violations, 91phk Casino may confiscate remaining account balance and refuse to process withdrawals. If closure is not due to User misconduct, any remaining real money balance (excluding bonus funds) will be returned to the User via their registered payment method after deducting any applicable fees or charges.

7.3 Self-Exclusion and Voluntary Account Closure

Users who wish to voluntarily close their account may do so by contacting customer support. Voluntary closure requests are processed within 24-48 hours. Users concerned about problem gambling may request self-exclusion for periods ranging from 24 hours to permanent closure. During self-exclusion, your account will be locked and you will not be able to deposit, wager, or access the Platform. Self-exclusion cannot be reversed during the chosen exclusion period. For permanent self-exclusion, reopening requires contacting support and may require verification that you have received gambling addiction counseling.

8. Intellectual Property Rights

All content, software, graphics, logos, trademarks, service marks, text, images, audio, video, and other materials available on the 91phk Casino Platform ("Content") are the exclusive property of 91phk Casino or its licensors and are protected by Philippine and international intellectual property laws, including copyright, trademark, and patent laws. The 91phk name, logo, and all related product and service names, design marks, and slogans are trademarks or service marks of 91phk Casino. You may not use, copy, reproduce, modify, distribute, display, perform, transmit, publish, license, create derivative works from, transfer, or sell any Content without the express written permission of 91phk Casino. The Platform is licensed to you for personal, non-commercial use only. Any unauthorized use of the Platform or its Content constitutes infringement of intellectual property rights and may result in legal action.

9. Limitation of Liability and Disclaimers

9.1 Disclaimer of Warranties

THE 91PHK CASINO PLATFORM AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE. 91phk Casino does not warrant that the Platform will operate error-free, that defects will be corrected, that the Platform is free of viruses or other harmful components, or that the Platform will meet your requirements. Your use of the Platform is at your sole risk.

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL 91PHK CASINO, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF USE, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, EVEN IF 91PHK CASINO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL 91PHK CASINO'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT YOU HAVE DEPOSITED INTO YOUR ACCOUNT DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY.

9.3 Technical Issues and Force Majeure

91phk Casino shall not be liable for any losses or damages resulting from technical failures, including but not limited to internet connection failures, server downtime, software malfunctions, or force majeure events beyond our reasonable control (natural disasters, war, terrorism, government actions, labor disputes, etc.). In the event of technical malfunction that affects game outcomes, 91phk Casino reserves the right to void affected bets and refund stakes. All game malfunctions void pays and plays.

10. Dispute Resolution and Governing Law

10.1 Complaint Procedure

If you have a complaint or dispute regarding 91phk Casino services, you must first attempt to resolve the matter by contacting our customer support team via live chat or email. Provide detailed information about your complaint including your account username, transaction details (if applicable), and a clear description of the issue. 91phk Casino will investigate all complaints fairly and respond within a reasonable timeframe, typically 7-14 business days depending on complexity. If the complaint involves financial disputes, you may be required to provide supporting documentation.

10.2 Governing Law and Jurisdiction

These Terms & Conditions 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. You agree that any legal action or proceeding arising out of or related to these Terms or your use of 91phk Casino shall be brought exclusively in the courts of the Philippines, and you consent to the personal jurisdiction of such courts. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to these Terms.

10.3 Arbitration Agreement

Any dispute, controversy, or claim arising out of or relating to these Terms & Conditions, including the validity, invalidity, breach, or termination thereof, shall be resolved through binding arbitration in accordance with Philippine arbitration law. The arbitration shall be conducted by a single arbitrator mutually agreed upon by both parties. The arbitration shall take place in Metro Manila, Philippines, and shall be conducted in the English language. The arbitrator's decision shall be final and binding on both parties. Notwithstanding this arbitration provision, either party may seek injunctive relief in court to prevent irreparable harm.

11. Privacy and Data Protection

Your privacy is important to 91phk Casino. The collection, use, storage, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference. By accepting these Terms, you also consent to the practices described in our Privacy Policy. In summary, 91phk Casino collects personal information necessary to provide services, verify your identity, process transactions, and comply with legal obligations. We implement reasonable security measures to protect your data but cannot guarantee absolute security. We do not sell your personal information to third parties. For complete details on how we handle your data, please review our full Privacy Policy.

12. Amendments to Terms & Conditions

91phk Casino reserves the right to modify, amend, or update these Terms & Conditions at any time at our sole discretion. Material changes will be communicated to Users via email notification to the registered email address and/or prominent notice on the Platform at least seven (7) days before the changes take effect. Your continued use of 91phk Casino services after the effective date of any amendments constitutes your acceptance of the revised Terms. If you do not agree with the amended Terms, you must immediately cease using the Platform and close your account. We recommend reviewing these Terms periodically to stay informed of any changes. The "Last Updated" date at the top of this page indicates when the Terms were most recently revised.

13. Contact Information

If you have questions, concerns, or require assistance regarding these Terms & Conditions or any aspect of 91phk Casino services, please contact us through the following channels:

• Live Chat: Available 24/7 on the 91phk Casino website by clicking the chat icon
• Email: Refer to the contact information displayed in the footer of the 91phk Casino website
• Support Hours: 24 hours a day, 7 days a week, 365 days a year

Our English-speaking customer support team is trained to assist Filipino players with all inquiries, technical issues, account questions, and dispute resolution. We strive to respond to all inquiries promptly and professionally.