Terms & Conditions

1. Introduction and Acceptance

These Terms and Conditions (hereinafter "Terms," "Agreement," or "T&C") constitute a legally binding agreement between you (hereinafter "Player," "User," or "you") and phjon (hereinafter "phjon," "we," "us," or "the Platform") governing your access to and use of the phjon online gaming platform, including all games, services, features, content, and promotional offers made available through the phjon website at phjon.net and any associated mobile applications or interfaces.

By registering a phjon account, logging in, making a deposit, or placing any wager on the Platform, you acknowledge that you have read this Agreement in its entirety, that you understand its contents, and that you agree to be bound by these Terms without reservation. If you do not agree to any provision of these Terms, you must immediately cease using the phjon platform and, if applicable, request account closure through phjon customer support.

These Terms should be read alongside the phjon Privacy Policy and the Responsible Gaming Policy, both of which are incorporated by reference into this Agreement and form part of the overall terms governing your use of phjon.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• "Platform" means the phjon online gaming website, mobile applications, and all associated services available at phjon.net.
• "Account" means the individual player account opened by a User upon completing the phjon registration process.
• "Balance" means the funds held in a Player's phjon account wallet, denominated in Philippine Peso (PHP).
• "Bonus Funds" means any promotional credits, free bet credits, or bonus amounts credited to an account, which are subject to separate wagering conditions.
• "Real Money Funds" means funds deposited by the Player from personal financial instruments, as distinct from Bonus Funds.
• "Wager" or "Bet" means any real-money stake placed on a game outcome, sporting event, or any other event offered through the Platform.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the government regulatory body overseeing gaming operations in the Philippines.
• "KYC" means Know Your Customer — the identity verification process required under PAGCOR regulations and anti-money laundering law.
• "RNG" means Random Number Generator — the certified software system that determines outcomes in phjon's slot and table game products.

3. Eligibility and Account Registration

To register and maintain a phjon account, you must satisfy all of the following eligibility requirements at the time of registration and on a continuing basis throughout the duration of your account:

• You must be at least 21 years of age, as required under PAGCOR regulations governing online gaming in the Philippines.
• You must be physically located within the Philippines or within a jurisdiction in which your access to and use of the phjon Platform is not prohibited by applicable law.
• You must be a natural person — corporate entities, partnerships, trusts, and other non-individual legal persons are not permitted to hold phjon accounts.
• You must not currently be subject to self-exclusion on the phjon platform or any PAGCOR-administered exclusion register.
• You must not be an employee, contractor, director, or officer of phjon, or an immediate family member of such a person, without prior written authorisation from phjon compliance.
• You must be capable of entering into a legally binding contract under applicable Philippine law.

During registration, you are required to provide accurate, complete, and current information including your full legal name, date of birth, residential address, email address, and mobile number. phjon is required by PAGCOR regulations to verify your identity before processing any withdrawal. KYC verification may require submission of a government-issued photo ID (SSS ID, PhilHealth ID, driver's licence, passport, or UMID), proof of address, and proof of payment method ownership.

Each individual is permitted to hold only one phjon account. If you already hold an active phjon account and attempt to register a second account, phjon reserves the right to close both accounts and forfeit any balances held therein. If you have lost access to an existing account, you must contact phjon customer support to recover access rather than creating a new account.

4. Account Security and Responsibility

You are solely responsible for maintaining the confidentiality of your phjon account login credentials, including your username, password, and any two-factor authentication codes associated with your account. phjon will never ask for your password via email, live chat, or any other communication channel.

• You must not share your login credentials with any other person, including family members.
• You must not allow any other person to access or use your phjon account on your behalf.
• You must use a unique, strong password for your phjon account and update it regularly.
• You must notify phjon support immediately if you believe your account credentials have been compromised.

All activity carried out through your phjon account — including wagers placed, deposits made, and withdrawals requested — will be treated as having been carried out by you personally, unless phjon is notified of suspected unauthorised access prior to the activity occurring. phjon accepts no liability for losses arising from your failure to maintain the security of your account credentials.

5. Deposits, Withdrawals, and Payment Methods

phjon processes all deposits and withdrawals exclusively in Philippine Peso (PHP). No currency conversion is applied to player transactions. The following payment methods are currently supported on the phjon platform:

• GCash — Instant deposits; withdrawals typically processed within 5 minutes.
• PayMaya — Instant deposits; withdrawals typically processed within 5 minutes.
• BPI (Bank of the Philippine Islands) — Deposits processed within 1–3 minutes; withdrawals within 15–30 minutes during banking hours.
• BDO (Banco de Oro) — Deposits processed within 1–3 minutes; withdrawals within 15–30 minutes during banking hours.
• Metrobank — Deposits processed within 1–3 minutes; withdrawals within 15–30 minutes during banking hours.

The minimum deposit amount is ₱100. The minimum withdrawal amount is ₱200. There is no maximum deposit limit for verified accounts in good standing, though phjon may apply transaction monitoring controls in accordance with PAGCOR anti-money laundering requirements.

Withdrawals will only be processed to the same payment method used for the most recent deposit of equivalent or greater value, in accordance with anti-money laundering best practices. phjon reserves the right to request additional verification documentation before processing any withdrawal it considers unusual in size, frequency, or pattern relative to the account's deposit and wagering history.

Processing times stated above are estimates and may be affected by banking system maintenance windows, national holidays, or circumstances outside phjon's control. phjon will not be held liable for delays caused by third-party payment providers.

6. Bonuses and Promotions

phjon offers bonuses, promotions, free credit awards, reload offers, referral bonuses, and other incentive programmes from time to time. All such offers are subject to the following general terms, in addition to any specific terms published alongside the individual promotion:

• All bonuses are subject to wagering requirements that must be fulfilled before any portion of the bonus or associated winnings can be withdrawn. The applicable wagering requirement multiplier is stated in the specific promotion's terms.
• Wagering requirements must be completed within the validity period stated for each promotion. Unused bonus funds and associated winnings will expire and be removed from the account upon the end of the validity period.
• Unless stated otherwise, bonuses may only be used on the game categories specified in the individual promotion terms. Wagering on restricted game categories may not contribute to, or may negatively affect, bonus wagering completion.
• phjon reserves the right to withdraw any bonus offer, amend bonus terms, or cancel a player's bonus entitlement if phjon has reasonable grounds to believe the offer is being abused, exploited, or claimed in bad faith.
• Only one welcome bonus may be claimed per player, per household, per device, and per IP address. Attempts to claim welcome bonuses multiple times using different accounts constitutes fraud and will result in account closure.
• Bonuses are non-transferable and have no cash value prior to the completion of applicable wagering requirements.

phjon's decision on all bonus-related disputes is final. Players who disagree with a bonus-related decision may submit a formal complaint through phjon's customer support team as described in Section 14 of these Terms.

7. Gaming Rules and Wagering

All games available on the phjon platform are governed by individual game rules that are accessible within the game interface. By placing a wager on any game, you confirm that you have reviewed the applicable game rules and understand the odds and potential outcomes.

phjon's slot and table game products utilise certified RNG technology that has been tested and verified for statistical fairness by independent third-party testing laboratories. phjon does not manipulate game outcomes and all RNG certifications are maintained as required by PAGCOR.

• All wagers are final once confirmed. phjon cannot reverse or cancel a wager after it has been accepted by the system.
• In the event of a technical failure during a game round, the round will be resolved in accordance with the game provider's published malfunction policy. Where a round cannot be completed, the wager will be refunded to the player's balance.
• phjon reserves the right to void any wager placed on an event or game outcome that was the result of an obvious pricing error, system malfunction, or data feed failure.
• Winnings from valid wagers will be credited to the player's account balance promptly upon settlement of the relevant event or completion of the game round.
• Minimum and maximum bet limits apply per game and per round. These limits are displayed within the game interface and may vary by table, game type, and player account status.

For sports betting markets, all events are settled in accordance with the official result declared by the relevant sporting body or event organiser. phjon is not responsible for typographical errors in event descriptions, provided such errors do not affect the integrity of the market settlement.

8. Prohibited Conduct

The following activities are strictly prohibited on the phjon platform and constitute a material breach of these Terms that may result in immediate account suspension, balance forfeiture, and referral to PAGCOR and relevant law enforcement authorities:

• Registering more than one account or assisting another person in creating a duplicate account.
• Providing false, misleading, or fraudulent information during registration, KYC, or any communication with phjon.
• Using automated betting software, bots, scripts, or any other non-human means to interact with the Platform.
• Exploiting software glitches, errors, or vulnerabilities in the Platform's games or systems.
• Colluding with other players in any live casino game, poker variant, or any other multiplayer game offered on the Platform.
• Engaging in any form of money laundering, including using phjon accounts to process the proceeds of criminal activity.
• Allowing a person under the age of 21 to access or use your phjon account.
• Accessing phjon from a jurisdiction in which online gambling is prohibited.
• Engaging in "bonus abuse" — including systematically exploiting promotional offers through low-risk wagering strategies designed to extract guaranteed value from bonuses.
• Attempting to hack, probe, or test the security of any part of the phjon Platform.

9. Responsible Gaming

phjon is committed to promoting responsible gaming practices and minimising the risk of gambling-related harm among Filipino players. In accordance with PAGCOR requirements, phjon provides the following responsible gaming tools, all of which are accessible directly from within your phjon account settings:

• Deposit Limits: Set daily, weekly, or monthly caps on the total amount you may deposit. Limit reductions take effect immediately; limit increases are subject to a 48-hour cooling-off period.
• Session Time Reminders: Configure alerts that notify you when you have been actively gaming for a specified duration.
• Reality Checks: Enable periodic on-screen summaries of your net session result to maintain an accurate picture of your current session's financial outcome.
• Self-Exclusion: Request a temporary suspension (minimum 30 days) or permanent closure of your account. Self-exclusion requests are processed immediately and cannot be reversed during the specified exclusion period.

phjon strictly prohibits access to persons under the age of 21 years. Age verification is applied at account registration and at the point of withdrawal. If you are concerned about a minor accessing gambling services, please contact our support team immediately.

For additional information on responsible gaming tools, self-exclusion, and support resources, please visit the phjon Responsible Gaming page.

10. Account Suspension and Termination

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

• Breach of any provision of these Terms.
• Failure to complete KYC verification within a reasonable timeframe following a withdrawal request.
• Reasonable suspicion of fraud, money laundering, or other criminal activity.
• Account inactivity — accounts with no login activity for a period of 12 consecutive months may be classified as dormant. phjon will notify the account holder by email prior to applying any dormancy fee or account closure.
• At the player's own request, including self-exclusion requests submitted through the responsible gaming tools.
• Regulatory requirement or instruction from PAGCOR or another competent authority.

Upon closure of an account for reasons other than fraud or Terms violation, any verified Real Money Funds remaining in the account balance will be returned to the player via their registered payment method after completion of applicable verification procedures. Bonus Funds will not be returned upon account closure.

Where an account is closed due to a confirmed breach of these Terms, phjon reserves the right to withhold all balances, including Real Money Funds, pending the outcome of any investigation. If the investigation concludes that the breach did not result in direct financial gain to the player, Real Money Funds may be returned at phjon's sole discretion.

11. Intellectual Property

All content available on the phjon Platform — including but not limited to the phjon brand name, logo, website design, game interfaces, graphics, text, software code, and promotional materials — is the exclusive intellectual property of phjon or its licensed content providers, and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phjon Platform solely for personal, non-commercial gaming purposes in accordance with these Terms. This licence does not grant you any right to:

• Copy, reproduce, or redistribute any phjon content, branding, or game materials.
• Modify, adapt, reverse-engineer, or create derivative works based on any part of the Platform.
• Use phjon's name, logo, or branding in any manner that implies endorsement or affiliation without prior written consent.
• Commercially exploit any aspect of the phjon Platform, including game replays, streaming, or content creation that monetises phjon's intellectual property without authorisation.

12. Limitation of Liability

To the fullest extent permitted by applicable Philippine law, phjon's total liability to you in connection with your use of the Platform — whether arising in contract, tort, negligence, or otherwise — shall not exceed the total amount of Real Money Funds deposited by you in the 30-day period immediately preceding the event giving rise to the claim.

phjon expressly excludes liability for:

• Any loss of winnings, profits, revenue, data, or goodwill arising from your use of or inability to use the Platform.
• Service interruptions, maintenance downtime, or temporary unavailability of any game or feature on the Platform.
• Losses arising from your failure to maintain the security of your account credentials.
• Losses caused by events outside phjon's reasonable control, including natural disasters, telecommunications failures, government actions, or third-party payment provider outages.
• The accuracy, completeness, or suitability of any information, statistics, or odds displayed on the Platform for sports betting purposes.

13. Privacy and Data Protection

phjon collects, processes, and stores personal data provided by you in connection with your registration, use of the Platform, and compliance with PAGCOR KYC and anti-money laundering requirements. The collection and use of your personal data is governed by the phjon Privacy Policy, which is incorporated into these Terms by reference.

By registering a phjon account, you consent to the collection and processing of your personal data as described in the Privacy Policy. You also acknowledge that phjon is legally required to report certain transactions and player information to PAGCOR, the Anti-Money Laundering Council (AMLC), and other competent Philippine authorities, and that compliance with such requirements is not subject to your consent.

phjon implements technical and organisational security measures — including 256-bit SSL encryption, access controls, and regular security audits — to protect your personal data against unauthorised access, disclosure, alteration, or destruction.

14. Governing Law and Dispute Resolution

These Terms and all matters arising from your use of the phjon Platform are governed by and construed in accordance with the laws of the Republic of the Philippines, including applicable PAGCOR regulations and Republic Act No. 10175 (Cybercrime Prevention Act of 2012), without regard to conflict of law principles.

Informal Resolution: Before initiating any formal dispute process, you agree to contact phjon customer support in good faith to attempt to resolve the matter informally. The majority of account, payment, and gaming disputes are resolved at this stage. You may contact phjon support via Live Chat, Viber, or Messenger, available 24 hours a day, seven days a week.

Formal Complaints: If informal resolution is not achieved within 14 calendar days of your initial complaint, you may submit a formal written complaint to phjon at [email protected]. phjon will acknowledge formal complaints within 3 business days and provide a final written response within 28 calendar days of receipt.

PAGCOR Escalation: If you remain unsatisfied following phjon's formal complaint response, you may escalate the matter to PAGCOR as the competent regulatory authority for online gaming operations in the Philippines. phjon will cooperate fully with any PAGCOR-initiated dispute review.

Any legal proceedings arising from these Terms that cannot be resolved through the above process shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

15. Amendments to These Terms

phjon reserves the right to revise, update, or replace any part of these Terms at any time. The most current version of the Terms will always be published at phjon.net/terms-conditions, with the date of last update displayed at the top of the document.

For material amendments — those that significantly affect player rights, payment terms, or account conditions — phjon will provide advance notice of at least 14 days via email to the address registered on your account and/or via a prominent in-platform notification. Your continued use of the phjon Platform after the effective date of any amendment constitutes your acceptance of the revised Terms.

If you do not agree to a material amendment to these Terms, you have the right to close your account prior to the effective date of the change without penalty. Please contact phjon customer support to initiate account closure if this applies to you.

16. Contact Us

If you have any questions about these Terms and Conditions, your phjon account, or any aspect of the phjon Platform, our customer support team is available 24 hours a day, 7 days a week.

For responsible gaming support, self-exclusion requests, or concerns about your gaming behaviour, please visit the phjon Responsible Gaming page for dedicated tools and resources.

These Terms and Conditions were last reviewed and updated in January 2026. phjon reserves all rights not expressly granted under this Agreement.