phbu Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("Player", "User", "you") and phbu ("phbu", "we", "us", "the Platform"), governing your access to and use of the phbu website located at phbu.net and all associated gaming services, features, content, and functionality offered therein (collectively, the "Platform").

By accessing phbu, registering an account, making a deposit, or placing a wager of any kind, you confirm that you have read, understood, and unconditionally agree to be bound by these Terms in their entirety, together with phbu's Privacy Policy and Responsible Gaming Policy, both of which are incorporated herein by reference.

If you do not agree to these Terms, you must not access or use the phbu Platform. Continued use of the Platform following any amendment to these Terms constitutes your acceptance of the revised Terms.

2. Eligibility

To be eligible to register and use the phbu Platform, you must satisfy all of the following conditions at the time of registration and on a continuing basis throughout the period your account remains active:

• You must be at least 21 years of age. This is the minimum legal age for casino-style gambling participation in the Philippines as prescribed under Philippine law and PAGCOR regulations. phbu strictly enforces this requirement and reserves the right to request age verification documentation at any time.
• You must be physically located in a jurisdiction in which online gambling is not prohibited by applicable law at the time of gameplay. It is your sole responsibility to determine whether accessing phbu is lawful in your jurisdiction.
• You must be a natural person acting on your own behalf. Corporate entities, partnerships, associations, and other non-natural persons may not register accounts on phbu.
• You must not be a current employee, contractor, director, officer, or close family member of phbu or any of its affiliated entities, software providers, or game suppliers.
• You must not have previously been self-excluded from phbu or any other PAGCOR-regulated gaming platform, unless the relevant self-exclusion period has formally expired and been lifted.
• You must have the legal capacity to enter into a binding contract under Philippine law.

phbu reserves the right to verify eligibility at any point. Failure to satisfy or maintain any eligibility requirement will result in account suspension, withdrawal restrictions, and potential forfeiture of funds obtained in breach of eligibility conditions.

3. Account Registration

3.1 Single Account Policy

Each individual player is permitted to hold only one active phbu account. This applies regardless of the registration email address, mobile number, GCash wallet, or device used. Operating multiple accounts — whether simultaneously or sequentially — constitutes a material breach of these Terms. Upon discovery of duplicate accounts, phbu will close all accounts associated with the individual, confiscate any bonus funds, and may withhold winnings accrued through the duplicate accounts.

3.2 Account Information Accuracy

You are required to provide accurate, complete, and truthful information when registering your phbu account. This includes your full legal name, date of birth, residential address, mobile number, and any other information requested during the registration process. Providing false, misleading, or incomplete information is a breach of these Terms and may constitute fraud under Philippine law.

3.3 Know Your Customer (KYC) Verification

phbu is required under its PAGCOR licence and applicable anti-money laundering regulations to verify the identity of its players. You may be required to submit one or more of the following documents at any time, including before processing a withdrawal:

• Government-issued photo identification (Philippine passport, SSS ID, UMID, driver's licence, or PhilSys national ID)
• Proof of current residential address (utility bill, bank statement, or barangay certificate dated within 90 days)
• Proof of ownership of the payment method used (e.g., screenshot of GCash or Maya account showing registered name)
• Source of funds declaration where required by applicable regulations

phbu reserves the right to suspend withdrawal processing until KYC verification is satisfactorily completed. Accounts that fail KYC verification will be closed and funds may be held pending regulatory review.

3.4 Account Security

You are solely responsible for maintaining the confidentiality of your phbu username and password. You must not share your login credentials with any third party. phbu will never request your password through any channel. You agree to notify phbu immediately at [email protected] if you become aware of any unauthorised access to your account. phbu accepts no liability for losses resulting from unauthorised account access where you have failed to maintain reasonable security measures.

4. Deposits & Withdrawals

4.1 Accepted Payment Methods

phbu accepts deposits and processes withdrawals via the following payment channels: GCash, Maya, BPI, BDO, UnionBank, 7-Eleven Cliqq, Coins.ph, and USDT TRC20. Available payment methods may vary based on your location and account verification status. phbu reserves the right to add, remove, or modify available payment methods at any time without prior notice.

4.2 Minimum Deposits

The minimum deposit amount at phbu is ₱100 (Philippine Peso). Deposits below this threshold will not be processed and will be returned to the originating payment source where technically feasible. Maximum deposit limits may apply and will be communicated within your account settings or upon request to support.

4.3 Withdrawal Conditions

Withdrawals are subject to the following conditions:

• Your account must be fully KYC-verified before any withdrawal can be processed.
• All applicable wagering requirements on bonus funds must be completed prior to withdrawal of bonus-derived winnings.
• Withdrawals will be returned to the same payment method used for the originating deposit where possible, consistent with anti-money laundering best practices.
• phbu reserves the right to request additional documentation before approving withdrawals above certain thresholds.
• Processing times vary by payment method. GCash and Maya withdrawals are typically processed within 24 hours on business days. Bank transfer withdrawals may take 1–3 business days.

4.4 Currency

All transactions on the phbu platform are denominated in Philippine Peso (PHP / ₱) unless otherwise specified in a specific game or product section. Currency conversion charges, where applicable, are the responsibility of the player.

5. Bonuses & Promotions

5.1 General Bonus Terms

phbu may from time to time offer welcome bonuses, reload bonuses, free spins, cashback offers, and other promotional incentives to eligible players. All bonuses are subject to the specific terms and conditions published alongside each promotion, which form part of these Terms when read in conjunction with them.

5.2 Wagering Requirements

Unless explicitly stated otherwise in the specific promotion terms, all bonus amounts credited to your phbu account must be wagered a minimum number of times before any withdrawal of bonus-derived funds is permitted. The applicable wagering multiplier, eligible games, and expiry period will be stated in the promotion's specific terms. Bets placed on games excluded from bonus wagering will not contribute to wagering requirement completion and may result in bonus forfeiture.

5.3 Bonus Abuse

phbu maintains automated systems to detect bonus abuse, including but not limited to: using multiple accounts to claim the same promotion, placing low-risk or hedged bets solely to complete wagering requirements, exploiting technical errors or miscalculated odds, and coordinating with other players to manipulate promotional outcomes. Any account found to be engaging in bonus abuse will have its bonus balance and associated winnings voided, and the account may be permanently closed.

5.4 Promotion Eligibility

phbu reserves the right to determine and modify promotion eligibility criteria at any time. Promotions are only available to players who have satisfactorily completed KYC verification unless otherwise stated. phbu may withdraw or modify any promotion at any time without prior notice, provided that such withdrawal or modification does not prejudice any wagering requirement already in progress.

6. Gaming Rules

6.1 Game Integrity

All games available on the phbu platform — including live casino games (Sic Bo, baccarat, roulette, blackjack), JILI slots, Hi-Lo, bingo, and sportsbook markets — are operated in accordance with their respective published rules. Live dealer games use physical equipment under camera supervision. Slot and RNG game outcomes are determined by certified random number generation systems. Published Return to Player (RTP) figures are accessible within each game's information panel.

6.2 Betting Limits

Minimum and maximum bet limits apply to all games and sportsbook markets on phbu. These limits are displayed within each game interface or market view. phbu reserves the right to modify bet limits at any time without prior notice. Sportsbook maximum payout limits apply per bet and per event, and are displayed at the point of bet placement.

6.3 Technical Malfunctions

In the event of a technical malfunction, server disruption, or game error that results in an indeterminate game outcome, phbu reserves the right to void the affected round or bet and return the stake to the player's account. phbu accepts no liability for losses caused by technical failures beyond its reasonable control, including but not limited to internet service interruptions on the player's side.

6.4 Sportsbook Rules

Sportsbook bets are accepted subject to the specific rules applicable to each sport and market type. In the event of an event cancellation, postponement, or any other circumstance rendering a market void, bets will be settled in accordance with phbu's published sportsbook rules. Live in-game bets accepted after the relevant event outcome has been determined (due to data delay) may be voided at phbu's discretion.

7. Responsible Gaming

phbu is committed to promoting responsible gaming and minimising the risk of gambling-related harm. The following tools are available to all registered phbu players directly within their account settings:

• Deposit Limits: Set daily, weekly, or monthly deposit caps to control your spending.
• Session Time Limits: Set a maximum session duration after which you will be automatically logged out.
• Cooling-Off Period: Temporarily suspend your account for a defined period (24 hours to 6 weeks).
• Self-Exclusion: Permanently or indefinitely exclude yourself from the phbu Platform. Self-exclusion requests are processed within 24 hours and are irrevocable for the duration of the chosen exclusion period.
• Reality Checks: Receive periodic notifications showing your session duration and net gaming activity.

phbu strictly enforces its 21+ age policy and will immediately close any account found to be held by a person under the legal gaming age. Players who believe they may have a gambling problem are encouraged to visit our Responsible Gaming page for further resources and support options.

8. Prohibited Conduct

The following conduct is strictly prohibited on the phbu Platform. Engaging in any of the activities listed below constitutes a material breach of these Terms and may result in immediate account suspension, forfeiture of funds, and reporting to the relevant authorities:

• Registering or using an account while under the age of 21.
• Registering more than one account, whether under your own name or any other identity.
• Providing false, inaccurate, or misleading information during registration or KYC verification.
• Using the Platform for any money laundering activity or in contravention of the Anti-Money Laundering Act (AMLA) of the Philippines.
• Using automated bots, scripts, software agents, or any other automated means to interact with the Platform.
• Exploiting software bugs, game errors, or platform vulnerabilities for financial gain.
• Colluding with other players, dealers, or third parties to manipulate game outcomes.
• Using another person's payment method or account credentials without their explicit consent.
• Engaging in any conduct that disrupts the integrity of the Platform or interferes with other players' gaming experience.
• Accessing the Platform from a jurisdiction where online gambling is prohibited by applicable law.

9. Intellectual Property

All content on the phbu Platform — including but not limited to the phbu name, logo, website design, graphics, software, game interfaces, text, and all other intellectual property — is owned by or licensed to phbu and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phbu Platform solely for your personal, non-commercial entertainment purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from the phbu Platform for any commercial purpose without phbu's prior written consent.

10. Limitation of Liability

To the fullest extent permitted by applicable Philippine law, phbu's total aggregate liability to you in connection with your use of the Platform — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the total amount deposited by you into your phbu account in the 30 days immediately preceding the event giving rise to the claim.

phbu shall not be liable for any of the following, whether or not phbu was advised of the possibility of such losses:

• Loss of profits, revenue, or anticipated savings.
• Loss of data or corruption of data.
• Indirect, incidental, special, consequential, or punitive damages.
• Losses arising from events outside phbu's reasonable control, including force majeure events, internet service failures, or third-party payment provider outages.
• Losses resulting from your failure to maintain account security as required under these Terms.

Nothing in these Terms excludes or limits phbu's liability for fraud, wilful misconduct, or any other liability that cannot be excluded or limited under Philippine law.

11. Account Suspension & Closure

11.1 Suspension by phbu

phbu reserves the right to suspend, restrict, or permanently close any player account at any time and without prior notice where phbu has reasonable grounds to believe that:

• The player has breached any provision of these Terms.
• The account is being used for fraudulent, unlawful, or abusive activity.
• The player has failed to satisfy KYC or age verification requirements.
• The account poses a regulatory, legal, or reputational risk to phbu.
• Continuing to operate the account would expose phbu to liability under applicable law.

11.2 Closure by Player

You may request the closure of your phbu account at any time by contacting support at [email protected]. Upon account closure, any remaining real-money balance (net of applicable bonus balances subject to incomplete wagering requirements) will be returned to your verified payment method within a reasonable period. Accounts closed under self-exclusion are subject to the terms of the Responsible Gaming Policy.

11.3 Dormant Accounts

An account is considered dormant if there has been no login activity for a continuous period of 12 months. phbu reserves the right to apply a monthly administrative fee to dormant accounts in accordance with its published fee schedule. Players will be notified by email prior to any dormancy fee being applied. Dormant account balances will not fall below zero as a result of administrative fees.

12. Privacy

phbu collects, stores, and processes your personal data in accordance with its Privacy Policy, which is available at /privacy-policy and is incorporated into these Terms by reference. By registering an account on phbu, you consent to the collection and processing of your personal data as described in the Privacy Policy.

phbu may be required to disclose your personal data to PAGCOR, law enforcement authorities, financial intelligence units, or other regulatory bodies in accordance with applicable Philippine law, including the Anti-Money Laundering Act (Republic Act No. 9160, as amended).

13. Amendments to These Terms

phbu reserves the right to amend, update, or replace these Terms & Conditions at any time. Where a material change is made, phbu will provide reasonable notice to registered players via email or a prominent notice on the Platform prior to the changes taking effect. The "Last updated" date at the top of this page reflects the date of the most recent revision.

Your continued use of the phbu Platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must cease using the Platform and may request account closure as set out in Section 11.

14. Governing Law & Dispute Resolution

These Terms & Conditions are governed by and shall be construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles.

In the event of any dispute arising out of or in connection with these Terms or your use of the phbu Platform, you agree to first contact phbu's support team at [email protected] and allow phbu a reasonable opportunity to resolve the dispute through its internal complaints process. phbu will acknowledge your complaint within 5 business days and aim to provide a final resolution within 30 business days.

Where a dispute cannot be resolved through phbu's internal complaints process, the matter may be escalated to PAGCOR in its capacity as the Platform's regulatory authority. Any unresolved dispute shall thereafter be subject to the exclusive jurisdiction of the competent courts of the Republic of the Philippines.

15. Contact Information

For any questions, complaints, or requests relating to these Terms & Conditions, or your phbu account, please contact the phbu support team. Our support team is available 24 hours a day, 7 days a week.

Email support: [email protected]

For responsible gaming support and self-exclusion requests, please visit our Responsible Gaming page.