ph445 Terms &
Conditions of Service

These Terms and Conditions ("Agreement") constitute a legally binding contract between you ("Player," "User," or "you") and ph445 ("ph445," "the Platform," "we," "us," or "our") governing your access to and use of the ph445 website located at https://ph445.cam and all associated services, games, features, and content (collectively, the "Services").

By accessing ph445, creating an account, making a deposit, or placing any wager through the Platform, you confirm that you have read, understood, and agree to be legally bound by this Agreement in its entirety. If you do not agree with any provision of these Terms and Conditions, you must immediately cease using ph445 and close your account.

This Agreement is effective from the date you first access the Platform or create an account, whichever is earlier. Your continued use of ph445 following any amendment to these Terms constitutes your acceptance of the updated Agreement.

The following eligibility requirements must be satisfied before you may register an account or use the Services offered by ph445:

• Age: You must be at least 21 years of age. This minimum age requirement is mandated by the Philippine Amusement and Gaming Corporation (PAGCOR) and applies to all players regardless of nationality or location.
• Jurisdiction: You must be accessing ph445 from a jurisdiction where online casino gaming is not prohibited by applicable law. Players are solely responsible for determining whether their use of ph445 is lawful in their jurisdiction.
• Capacity: You must have full legal capacity to enter into binding agreements under applicable Philippine law.
• Exclusion Lists: You must not be listed on any PAGCOR self-exclusion register or any other applicable gaming exclusion database at the time of registration and throughout your use of the Platform.
• Beneficial Account Use: You must be registering and using the account for your own personal use and not on behalf of any third party.

ph445 reserves the right to request documentary proof of eligibility at any time. Accounts found to be operated by ineligible individuals — including persons under 21 — will be immediately suspended, and any funds held may be subject to forfeiture in accordance with PAGCOR regulations.

To access real-money gaming services on ph445, you must create a single registered account. The following conditions apply to account registration:

• You may only hold one (1) account on ph445. Duplicate accounts are prohibited. If duplicate accounts are identified, ph445 reserves the right to close all but the original account and forfeit any bonus funds held across duplicates.
• You must provide accurate, complete, and current information during registration, including your full legal name, date of birth, valid Philippine mobile number, and email address.
• You must not register using a false identity, fictitious name, or another person's personal information.
• You are responsible for maintaining the confidentiality of your login credentials. ph445 will not be held liable for any loss arising from unauthorized account access resulting from your failure to safeguard your credentials.
• You must notify ph445 immediately at [email protected] if you suspect any unauthorized access to your account.

ph445 reserves the right to decline any registration application at its sole discretion without being required to provide a reason for such refusal.

ph445 is required by PAGCOR regulations and the Anti-Money Laundering Act (Republic Act No. 9160, as amended) to verify the identity of all players prior to processing withdrawals and in certain other circumstances. This process is commonly referred to as Know Your Customer ("KYC").

During KYC verification, ph445 may request the following documents:

• A valid Philippine government-issued photo identification (e.g., PhilSys National ID, SSS Card, GSIS Card, Passport, Driver's License, Voter's ID, or PRC ID)
• A selfie photograph holding the presented identification document
• Proof of the payment method used (e.g., screenshot of GCash account registered to the same name)
• Additional documentation as may be required by PAGCOR compliance procedures

ph445 targets KYC completion within 15 minutes for complete submissions during business hours. Accounts that fail to complete KYC verification within the period specified by ph445 may have their withdrawal capabilities suspended until verification is completed.

ph445 accepts deposits through a range of Filipino payment methods. The following terms apply to all deposits made on the Platform:

• The minimum deposit amount is ₱100 (Philippine Pesos). Maximum deposit limits are determined by your account tier and applicable payment method limits.
• All deposits must be made from a payment account registered in your own name. Third-party deposits are strictly prohibited.
• Accepted deposit methods include: GCash, Maya (formerly PayMaya), QR Ph, GrabPay, BPI Online, BDO Online, Metrobank Online, InstaPay, PesoNet, and 7-Eleven CLiQQ.
• Deposits made via e-wallet (GCash, Maya, QR Ph) are credited to your ph445 account instantly in most cases. Bank transfer processing times vary by institution.
• ph445 does not charge a platform fee on deposits. Fees charged by payment providers are beyond ph445's control and are not reimbursed.
• Deposits are made in Philippine Pesos (PHP). All account balances on ph445 are denominated in PHP.

ph445 reserves the right to reject any deposit and return funds if there is reason to suspect money laundering, fraud, or a breach of these Terms. In such cases, ph445 will report the transaction to relevant authorities as required by Philippine law.

Players may withdraw their real-money balance at any time subject to the following conditions:

• KYC identity verification must be completed before any withdrawal is processed.
• Withdrawals will be made to the same payment method used for deposits wherever possible. ph445 reserves the right to request additional verification if a player requests a withdrawal to a different method.
• Any bonus funds attached to a promotional offer must satisfy applicable wagering requirements before the associated winnings can be withdrawn. Wagering requirements are detailed in individual promotion terms.
• ph445 targets GCash withdrawal processing within 5 minutes for verified accounts. Bank withdrawal timelines vary from 1-2 hours for online banking to 1-2 business days for PesoNet transfers.
• ph445 charges no platform fee on withdrawals. The full withdrawal amount credited by ph445 is the amount received by the player, subject to any fees levied by the player's payment provider.
• ph445 may delay or suspend a withdrawal if the account is subject to a fraud review, AML check, or unresolved dispute. ph445 will notify the player of any such delay within a reasonable timeframe.

ph445 offers various promotional bonuses to eligible players. All bonuses are subject to the specific terms published alongside each promotion, as well as the general bonus conditions set out here:

• Bonuses are available only to eligible players who have accepted the relevant promotion and satisfied all stated eligibility criteria at the time of claiming.
• Bonuses are non-transferable, have no cash value unless wagering requirements have been fully satisfied, and may not be withdrawn as cash until conversion conditions are met.
• Wagering requirements specify the number of times the bonus amount (and/or deposit amount, as stated per promotion) must be wagered before withdrawal of bonus-derived winnings is permitted.
• Certain game types may contribute at reduced rates or not at all toward wagering requirements. Game contribution percentages are detailed in individual promotion terms.
• ph445 reserves the right to cancel any bonus at any time if there is evidence of abuse, multi-accounting, collusion, or any other breach of these Terms.
• In the event of a conflict between a promotion's specific terms and these general Terms and Conditions, the promotion's specific terms shall prevail.

ph445 sources its games exclusively from internationally licensed and independently audited game studios. The following rules apply to all gaming activity on the Platform:

• All digital game outcomes are generated by independently certified Random Number Generators (RNGs). Certificate details are available from ph445 support upon request.
• Live dealer game streams originate from professionally operated studios and are subject to their own game-specific rules, which are displayed within the game interface.
• In the event of a technical error, disconnection, or game malfunction that results in an ambiguous game outcome, ph445 reserves the right to void the affected round and return the wagered amount to the player's account. The decision of ph445 in such cases is final.
• Bets placed and accepted are binding. Once a game round has commenced, bets may not be cancelled except where the game rules expressly permit in-play cancellation.
• Players are prohibited from using any software, system, algorithm, or strategy designed to gain an unfair advantage over the Platform or other players, including but not limited to bots, auto-clicking software, and card-counting algorithms on digital games.

The following conduct is strictly prohibited on ph445 and may result in immediate account suspension, forfeiture of funds, and referral to PAGCOR or law enforcement authorities:

• Providing false, misleading, or fraudulent information during registration or KYC verification
• Using the Platform for any money laundering activity in violation of the Anti-Money Laundering Act (RA 9160)
• Operating or using automated bots, scripts, or any software designed to manipulate game outcomes or circumvent security measures
• Colluding with other players to gain an unfair advantage in any game
• Charging back deposits made through GCash, Maya, or any other payment method after the funds have been used for wagering
• Accessing ph445 while listed on a PAGCOR self-exclusion register
• Allowing or facilitating access to your ph445 account by any third party, including family members
• Any conduct intended to defraud ph445, other players, or game providers

ph445 reserves the right to suspend, restrict, or permanently close any player account at its sole discretion, including in the following circumstances:

• Suspected or confirmed breach of any provision of these Terms and Conditions
• Failure to complete KYC verification within the required period
• Suspected fraud, money laundering, or any other criminal activity
• Receipt of a chargeback or payment reversal from any deposit source
• A player's own request for self-exclusion or account closure
• Regulatory direction from PAGCOR or any competent Philippine authority

Upon account closure, ph445 will return any verified real-money balance (excluding bonus funds and funds subject to forfeiture for policy violations) to the player's verified payment method within a commercially reasonable timeframe, subject to the completion of any required AML or fraud checks.

A player who voluntarily closes their account may contact support to re-open it, subject to ph445's standard re-activation procedures, provided no self-exclusion is active on the account.

ph445 is committed to promoting responsible gambling and complies fully with PAGCOR's responsible gaming requirements. The following tools are available to all registered players through the account settings dashboard:

• Deposit Limits: Set daily, weekly, or monthly deposit caps that the system enforces regardless of available balance. Limit reductions take effect immediately; limit increases are subject to a cooling-off period.
• Session Duration Limits: Set a maximum session length after which the Platform will prompt you to take a break or log out.
• Loss Limits: Set a maximum amount you are willing to lose within a defined period.
• Cooling-Off Periods: Temporarily suspend your account for a defined period (minimum 24 hours, maximum 6 months) without permanently closing it.
• Self-Exclusion: Permanently exclude yourself from ph445. Self-exclusion is irrevocable for the stated minimum period and cannot be reversed by customer request during that time.

If you are concerned about your gambling behavior, ph445 encourages you to use these tools and to visit our Responsible Gaming page for additional resources. You may also contact the ph445 support team directly via live chat for immediate assistance.

All content on the ph445 Platform — including but not limited to text, graphics, logos, images, game interfaces, software code, and user interface design — is the proprietary property of ph445 or its licensed content providers and is protected by applicable Philippine and international intellectual property laws.

Players are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial entertainment purposes. This license does not extend to:

• Reproduction, distribution, or public display of any ph445 content without prior written authorization
• Reverse-engineering, decompiling, or otherwise attempting to derive the source code of any ph445 software
• Using ph445 trademarks, logos, or branding in any manner not expressly authorized in writing
• Creating derivative works based on ph445 content or software

To the maximum extent permitted by applicable Philippine law, ph445's total aggregate liability to any player in connection with these Terms and Conditions or the Services shall not exceed the net deposits made by that player in the 30 days preceding the event giving rise to the claim.

ph445 shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, loss of opportunity, or loss of data, even if ph445 has been advised of the possibility of such damages.

ph445 does not warrant that the Platform will operate without interruption or error. Scheduled maintenance, technical issues, or force majeure events — including natural disasters, power outages in the Philippines, or telecommunications infrastructure failures — may result in temporary service unavailability. ph445 will not be liable for losses arising from such events.

Nothing in this clause limits ph445's liability for fraud, gross negligence, or any liability that cannot be excluded under Philippine law.

ph445 collects, processes, and stores personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and the National Privacy Commission's implementing rules. The manner in which ph445 handles your personal information is detailed in our Privacy Policy, which forms part of this Agreement by reference.

By using ph445, you consent to the collection and processing of your personal data as described in the Privacy Policy, including the sharing of data with PAGCOR and other competent Philippine authorities as required by law.

ph445 reserves the right to amend these Terms and Conditions at any time. Where changes are material, ph445 will provide reasonable notice to registered players via email or a prominent notice on the Platform prior to the changes taking effect. The updated Terms will be posted on this page with a revised effective date.

Your continued use of ph445 after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with any amendment, you must cease using the Platform and may close your account by contacting support.

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to the Civil Code of the Philippines, the Electronic Commerce Act (RA 8792), the Anti-Money Laundering Act (RA 9160), the Data Privacy Act (RA 10173), and applicable PAGCOR regulations.

Any dispute arising from these Terms or your use of ph445 shall first be submitted to ph445's internal dispute resolution process by contacting support at [email protected]. ph445 will acknowledge disputes within 48 hours and endeavor to resolve them within 10 business days.

Disputes that cannot be resolved through internal processes may be escalated to PAGCOR through its applicable player complaint mechanism. Unresolved disputes that fall outside PAGCOR's jurisdiction shall be submitted to the courts of competent jurisdiction in Metro Manila, Philippines.

For any questions, complaints, or requests relating to these Terms and Conditions, please contact the ph445 support team through the following channels:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 via the ph445 Platform in Tagalog and English
• Response Time: Under 5 minutes via live chat; within 24 hours via email

For responsible gaming support, escalated complaints, or self-exclusion requests, our team is available around the clock. Filipino players may communicate in Tagalog or English — whichever is more comfortable.