Terms & Conditions

1. Acceptance of Terms

By accessing, browsing, or using the phlaro website located at phlaro.cam (the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions (the "Terms"), as well as our Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference. These Terms apply to all users of the Platform, including visitors, registered players, and VIP members.

If you are accessing the Platform on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization or entity to these Terms.

2. Eligibility

To register for and use the phlaro Platform, you must meet the following eligibility criteria:

• You must be at least 21 years of age, or the legal age for gambling in your jurisdiction, whichever is higher.
• You must be a resident of the Republic of the Philippines or a jurisdiction where online gambling is legally permitted.
• You are not prohibited from gambling under any applicable law, regulation, or court order.
• You are not accessing the Platform from a jurisdiction where online gambling is illegal or restricted.
• You are not listed on any governmental or regulatory exclusion or self-exclusion list.
• You are acting on your own behalf and not as an agent or representative of any third party.

phlaro reserves the right to verify your age, identity, and location at any time. Failure to provide requested verification documents may result in the suspension or termination of your account and forfeiture of any funds or winnings.

3. Account Registration

3.1 Account Creation

To use the full range of services on phlaro, you must create a player account. During registration, you agree to provide accurate, current, and complete information, including your legal name, date of birth, email address, mobile number, and residential address.

You may only register one account per person. Creating multiple accounts, using false information, or registering on behalf of another person is strictly prohibited and may result in account closure and forfeiture of funds.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials, including your username and password. You must not share your account credentials with any third party. You agree to notify phlaro immediately if you become aware of any unauthorized access to or use of your account.

phlaro will not be liable for any loss or damage arising from your failure to protect your account credentials or from unauthorized access to your account, except where such loss is directly caused by phlaro's negligence or willful misconduct.

3.3 Account Verification (KYC)

phlaro operates under strict Know Your Customer (KYC) and Anti-Money Laundering (AML) policies. We reserve the right to request identification documents, proof of address, proof of payment method ownership, and any other documentation necessary to verify your identity and comply with legal and regulatory requirements.

Withdrawals may be delayed or refused until all requested verification documents have been submitted and approved. phlaro reserves the right to conduct additional verification checks at any time, including before processing large withdrawals.

4. Deposits & Payments

4.1 Accepted Payment Methods

phlaro accepts deposits via GCash, PayMaya, bank transfer (BPI, BDO, Metrobank), and other payment methods displayed on the Platform. All deposits are made in Philippine Peso (PHP) only. phlaro does not accept deposits in any other currency.

4.2 Minimum and Maximum Deposits

The minimum deposit amount is ₱100 unless otherwise stated. Maximum deposit limits may vary based on your payment method and account verification status. VIP and high-roller accounts may be eligible for increased deposit limits upon request.

4.3 Deposit Processing

Deposits via GCash and PayMaya are typically credited to your phlaro account within seconds. Bank transfers may take up to one hour during banking hours, or longer on weekends and public holidays. phlaro is not responsible for delays caused by third-party payment processors or banking institutions.

4.4 Payment Method Ownership

All payment methods used to deposit funds must be registered in your own name. Deposits from third-party accounts, including family members or friends, are strictly prohibited. phlaro reserves the right to reverse any deposit made from a payment method not registered in your name and to close your account.

4.5 No Chargebacks

Once a deposit has been credited to your phlaro account, it is final and non-refundable except in cases of processing error or duplicate charge. Initiating a chargeback or payment dispute without valid cause will result in immediate account suspension and potential legal action.

5. Withdrawals

5.1 Withdrawal Requests

You may request a withdrawal of your available account balance at any time, subject to these Terms. Withdrawals are processed to the same payment method used for your most recent deposit, unless otherwise approved by phlaro.

5.2 Minimum Withdrawal Amount

The minimum withdrawal amount is ₱300. Withdrawal requests below this amount will not be processed.

5.3 Withdrawal Processing Times

Standard withdrawals to GCash or PayMaya are typically processed within 15 minutes to 2 hours, subject to account verification and security review. Bank transfer withdrawals may take 1-3 business days. Withdrawals exceeding ₱50,000 may require additional verification and may take up to 5 business days to process.

5.4 Wagering Requirements

Deposits must be wagered at least one time (1x turnover) before a withdrawal can be requested. Bonus funds are subject to their own specific wagering requirements as stated in the applicable bonus terms. Failure to meet wagering requirements may result in withdrawal denial or bonus forfeiture.

5.5 Withdrawal Fees

phlaro does not charge withdrawal fees for standard withdrawal requests. However, payment processors and banks may impose their own fees. You are responsible for any third-party fees incurred.

5.6 Cancelled or Reversed Withdrawals

phlaro reserves the right to cancel or reverse any withdrawal request if we have reason to believe that the funds were obtained through fraudulent or abusive activity, or if the withdrawal request violates these Terms. You will be notified if your withdrawal is cancelled, and the funds will be returned to your phlaro account balance pending investigation.

6. Bonuses & Promotions

6.1 Bonus Terms

phlaro offers various bonuses and promotions from time to time, including welcome bonuses, reload bonuses, cashback offers, free spins, and VIP rewards. Each bonus is subject to its own specific terms and conditions, including wagering requirements, eligible games, maximum bet limits, and expiration dates.

By claiming a bonus, you agree to be bound by the specific bonus terms applicable to that promotion, which are available on the Platform at the time the bonus is claimed.

6.2 Wagering Requirements

Unless otherwise stated, all bonuses are subject to wagering requirements before any associated winnings can be withdrawn. Wagering requirements range from 15x to 50x the bonus amount, depending on the promotion. Contributions to wagering requirements vary by game type: slots typically contribute 100%, while table games and live casino games may contribute at reduced rates or not at all.

6.3 Bonus Abuse

phlaro reserves the right to void bonuses and associated winnings if we determine that a player is abusing the bonus system. Prohibited bonus abuse includes but is not limited to: creating multiple accounts to claim bonuses, using betting patterns designed to exploit bonus terms, collusion with other players, and any other activity that undermines the fairness or integrity of promo tions.

6.4 Bonus Expiry

All bonuses and associated free spins have a validity period, which will be specified in the applicable bonus terms. Bonuses not claimed or used within the validity period will expire automatically and cannot be reinstated.

6.5 Promotions for Filipino Players

Certain promotions on phlaro are specifically designed for players in the Philippines and may be tied to Philippine holidays, local sporting events, or regional milestones. Eligibility for region-specific promotions may be verified against your registered residential address and payment method origin.

7. Gameplay Rules

7.1 Game Integrity

All games available on phlaro use certified Random Number Generator (RNG) technology where applicable, ensuring fair and unpredictable outcomes. Live casino games are streamed from professionally audited studios. phlaro makes no guarantee of winnings and all outcomes are determined by chance.

7.2 Malfunction Policy

In the event of a technical malfunction, game error, software failure, or server interruption, phlaro reserves the right to void all affected bets and refund wagers to the player's account balance. Any winnings resulting from a proven malfunction or technical error will be deemed void and will not be paid out. phlaro will not be liable for any disruption to gameplay caused by factors beyond its reasonable control, including but not limited to internet outages, power failures, or third-party server downtime.

7.3 Bet Limits

Each game on the Platform has minimum and maximum bet limits, which are displayed within the game interface. phlaro reserves the right to apply additional betting limits to individual player accounts at its sole discretion, particularly in cases of suspected bonus abuse, unusual betting patterns, or during promotional periods.

7.4 Responsible Gaming During Play

Players are encouraged to take advantage of phlaro's in-game responsible gaming features, including session time reminders, reality check notifications, and access to deposit and loss limit controls directly from the account dashboard. These features are available to all registered players at no charge and can be activated or modified at any time.

8. Prohibited Activities

The following activities are strictly prohibited on the phlaro Platform. Engaging in any of these activities may result in immediate account suspension, forfeiture of funds, and reporting to relevant law enforcement or regulatory authorities:

• Registering more than one account per person, household, device, IP address, or payment method.
• Providing false, misleading, or inaccurate information during registration or any verification process.
• Using the Platform while under the age of 21 or the applicable legal gambling age in your jurisdiction.
• Using software, bots, scripts, artificial intelligence tools, or other automated systems to access or interact with the Platform.
• Exploiting software bugs, game errors, or technical loopholes to gain an unfair advantage.
• Engaging in money laundering, structuring, or any other financial crime using the Platform.
• Colluding with other players or third parties to manipulate game outcomes.
• Attempting to reverse-engineer, copy, modify, or distribute any part of the Platform's software or proprietary content.
• Accessing the Platform from a jurisdiction where online gambling is prohibited by applicable law.
• Harassing, threatening, or abusing phlaro staff, support agents, or other players.
• Using fraudulent payment methods, stolen financial credentials, or third-party funding sources.
• Attempting to claim multiple welcome bonuses or other one-time promotions through the use of multiple accounts or identities.

9. Account Suspension & Termination

9.1 Termination by phlaro

phlaro reserves the right to suspend, restrict, or permanently terminate any player account at its sole discretion, with or without prior notice, if it determines that:

• You have breached any provision of these Terms.
• Your account or activity poses a risk of fraud, money laundering, or regulatory non-compliance.
• You have provided false or misleading information at any point.
• Continuation of your account is required by applicable law or regulation to be suspended or closed.
• You are found to be ineligible to use the Platform under Section 2.

Where an account is terminated due to breach of these Terms, phlaro reserves the right to withhold any remaining balance pending investigation. If the investigation confirms a breach, phlaro may forfeit some or all of the account balance in accordance with applicable law.

9.2 Voluntary Account Closure

You may voluntarily close your phlaro account at any time by contacting our customer support team via live chat or email. Upon closure request, phlaro will process any remaining balance in accordance with our withdrawal procedures, subject to verification and outstanding wagering requirements. Self-exclusion requests are handled separately through the Responsible Gaming tools in your account dashboard.

10. Limitation of Liability

10.1 Service Availability

The phlaro Platform is provided on an "as is" and "as available" basis. While we strive to maintain continuous availability, phlaro does not warrant that the Platform will be uninterrupted, error-free, or free from harmful components. Scheduled maintenance, emergency downtime, or force majeure events may result in temporary unavailability of services.

10.2 Limitation on Damages

To the maximum extent permitted by applicable Philippine law, phlaro, its directors, employees, agents, partners, and game providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform. This includes, without limitation, loss of profits, loss of data, loss of winnings resulting from technical malfunctions, or any other intangible losses.

10.3 Maximum Aggregate Liability

In no event shall phlaro's total aggregate liability to you for all claims arising out of or relating to your use of the Platform exceed the greater of (a) the total amount deposited by you into your phlaro account in the 30 days preceding the event giving rise to the claim, or (b) ₱5,000 Philippine Pesos.

10.4 Third-Party Services

phlaro integrates third-party services including game providers, payment processors, and analytics tools. phlaro is not responsible for the actions, omissions, errors, or failures of any third-party service provider. Any disputes arising from third-party services must be resolved directly with those providers.

11. Dispute Resolution

11.1 Internal Resolution

If you have a dispute regarding any aspect of your phlaro account, a game result, a withdrawal, or the application of these Terms, you must first contact our customer support team via live chat or email. phlaro aims to resolve all disputes within 5 business days of receipt of a formal complaint. You are required to provide all relevant information, including your account details, transaction records, and a clear description of the issue.

11.2 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes that cannot be resolved through internal channels shall be subject to the exclusive jurisdiction of the competent courts of the Republic of the Philippines.

11.3 Game Result Disputes

In the event of a dispute regarding a game outcome, the records maintained by phlaro's servers shall be considered final and determinative, unless there is a demonstrable technical error. Player-side technical issues, including device failures, internet disconnections, or browser errors, are not grounds for game result reversal.

12. Changes to These Terms

phlaro reserves the right to amend, update, or replace these Terms at any time. When material changes are made, we will notify registered players via email or a prominent notice on the Platform at least 7 days before the changes take effect. Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the revised Terms.

It is your responsibility to review these Terms periodically. The most current version will always be available at phlaro.cam/terms-conditions. If you do not agree to any amended Terms, you must stop using the Platform and close your account before the changes take effect.

13. Contact Information

If you have any questions or concerns regarding these Terms & Conditions, please contact the phlaro support team through the following channels:

• Live Chat: Available 24/7 inside your phlaro account dashboard (fastest response — under 2 minutes on average).
• Email: [email protected] — general inquiries and formal complaints. Response within 24 hours.
• Support Hours: Philippine Standard Time (PST), UTC+8, around the clock.

For responsible gaming concerns, including self-exclusion requests, deposit limit adjustments, and cooling-off periods, please visit the Responsible Gaming section of your account dashboard or contact our support team directly.