Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," "you," or "your") and 95ph ("Company," "we," "us," or "our"), governing your access to and use of the 95ph online casino and sports betting platform (the "Platform") accessible through https://95ph.cam and related mobile applications. By registering an account, accessing the Platform, placing wagers, or using any services offered by 95ph, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations governing online gaming in the Republic of the Philippines.

If you do not agree with any provision of these Terms, you must immediately cease using the Platform and refrain from creating an account. Continued use of 95ph services following any amendments to these Terms constitutes acceptance of such changes. We reserve the right to modify these Terms at any time, with notice provided through the Platform or via email to registered users. Material changes will take effect thirty (30) days after notification unless otherwise specified.

2. Eligibility and Account Registration

2.1 Age and Legal Requirements

To register and participate in gaming activities on the 95ph Platform, you must meet all of the following eligibility requirements:

• You must be at least twenty-one (21) years of age or older, in accordance with Philippine Amusement and Gaming Corporation (PAGCOR) regulations and Philippine law.
• You must be a legal resident of the Republic of the Philippines or lawfully present within Philippine territory at the time of registration and gameplay.
• You must have the legal capacity to enter into binding contracts under Philippine law.
• You must not be listed on any self-exclusion registry maintained by 95ph, PAGCOR, or other Philippine gaming authorities.
• You must not have previously had a 95ph account terminated for violation of these Terms.

95ph reserves the right to request proof of age and identity at any time. Acceptable identification documents include valid Philippine passports, driver's licenses issued by the Land Transportation Office (LTO), or government-issued national identification cards. Failure to provide requested documentation within fourteen (14) days may result in account suspension and withholding of funds until verification is completed.

2.2 Account Creation and Security

When creating a 95ph account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You must:

• Use a unique, secure password not shared with other online services.
• Never share your account credentials with any third party.
• Immediately notify 95ph customer support if you suspect unauthorized access to your account.
• Accept full responsibility for all activities conducted through your account, whether authorized or unauthorized.

Each person may register only one (1) account with 95ph. Multiple accounts, duplicate accounts, or accounts created to circumvent restrictions are strictly prohibited. Detection of multiple accounts will result in closure of all associated accounts, forfeiture of bonuses, and potential confiscation of funds.

2.3 Prohibited Users

The following individuals are prohibited from creating accounts or using 95ph services:

• Persons under twenty-one (21) years of age.
• Individuals residing in jurisdictions where online gaming is illegal.
• Employees, contractors, or family members of 95ph staff or affiliated companies.
• Persons listed on self-exclusion registries or diagnosed with compulsive gambling disorders.
• Individuals previously banned from 95ph for violations of these Terms.

3. Deposits and Payment Processing

3.1 Deposit Methods

95ph accepts deposits through various payment methods popular among Filipino users, including but not limited to GCash, PayMaya, bank transfers via major Philippine banks (BPI, BDO, UnionBank, Metrobank), and other methods as advertised on the Platform. All deposits are processed in Philippine Pesos (PHP) unless otherwise specified.

Minimum and maximum deposit amounts vary by payment method and are displayed at the time of transaction. 95ph does not charge fees for deposits, though third-party payment processors may impose their own fees. You are responsible for any fees charged by your bank, e-wallet provider, or payment processor.

3.2 Deposit Verification

95ph reserves the right to request verification of deposit sources to comply with anti-money laundering (AML) regulations and PAGCOR requirements. Acceptable verification may include bank statements, e-wallet transaction histories, or proof of income. Failure to provide requested documentation may result in account suspension and reversal of deposits.

Deposits from third-party sources are prohibited. All deposits must originate from accounts registered in your name. Depositing funds on behalf of another person or accepting deposits from third parties violates these Terms and may result in account closure and fund confiscation.

3.3 Refunds and Chargebacks

Deposits are non-refundable once credited to your 95ph account, except in cases of duplicate transactions or processing errors. Requesting chargebacks through your bank or payment provider without prior authorization from 95ph constitutes fraud and will result in immediate account termination, banning from future use, and potential legal action to recover losses.

4. Withdrawals and Payout Processing

4.1 Withdrawal Requirements

You may request withdrawals of your available account balance subject to the following conditions:

• Your account must be fully verified with valid identification documents.
• You must have met all bonus wagering requirements applicable to deposited funds.
• Withdrawal requests must meet minimum withdrawal thresholds as specified on the Platform.
• Withdrawals are processed to the same payment method used for deposits whenever possible, in accordance with AML policies.

95ph processes withdrawal requests within twenty-four (24) hours under normal circumstances. Processing times may be extended due to verification requirements, banking holidays, or technical issues beyond our control. Large withdrawals exceeding ₱100,000 may require additional verification and manual processing.

4.2 Withdrawal Limits

Daily, weekly, and monthly withdrawal limits apply based on your account status and verification level. Standard accounts may withdraw up to ₱50,000 per transaction with a monthly limit of ₱500,000. VIP accounts enjoy higher limits as determined by 95ph management. Limits may be adjusted at our discretion based on account history and regulatory requirements.

4.3 Withdrawal Fees

95ph does not charge withdrawal fees for standard processing. Expedited withdrawal services, if available, may incur additional fees as disclosed at the time of request. Currency conversion fees or third-party processing fees imposed by banks or payment providers are the responsibility of the account holder.

5. Bonuses and Promotions

5.1 Bonus Terms

95ph offers various bonuses and promotions, including welcome bonuses, reload bonuses, cashback offers, and special promotions. All bonuses are subject to specific terms and conditions, including wagering requirements, game restrictions, maximum bet limits, and expiration dates. Bonus terms are provided with each promotion and must be read carefully before opting in.

Unless otherwise specified, bonuses carry a wagering requirement of thirty times (30x) the bonus amount before withdrawal. Wagering contributions vary by game type: slots contribute 100%, live casino games contribute 10%, sports betting contributes 10%, and certain games may be excluded entirely. Maximum bet limits while using bonus funds are typically ₱100 per spin or bet unless otherwise stated.

5.2 Bonus Abuse

Abuse of bonuses or promotional offers is strictly prohibited. Activities considered bonus abuse include but are not limited to:

• Creating multiple accounts to claim bonuses multiple times.
• Using betting patterns designed to exploit bonus terms rather than for genuine entertainment.
• Collaborating with other players to manipulate bonus outcomes.
• Using software or automated systems to complete wagering requirements.

95ph reserves the right to void bonuses, cancel winnings, and close accounts determined to be engaging in bonus abuse. Decisions regarding bonus abuse are final and not subject to appeal.

6. Gameplay and Betting Rules

6.1 Fair Play

All games offered on the 95ph Platform use certified Random Number Generators (RNG) to ensure fair and unbiased outcomes. Game Return to Player (RTP) percentages are as specified by game providers and are independently audited. 95ph does not manipulate game outcomes and cannot predict or control results.

Players are expected to engage in fair play. The following activities are prohibited:

• Using software, bots, or automated systems to place bets or play games.
• Exploiting software errors or glitches for financial gain.
• Collusion with other players to gain unfair advantages.
• Using insider information in sports betting.
• Engaging in arbitrage betting or other advantage play techniques deemed abusive.

6.2 Bet Acceptance and Settlement

95ph reserves the right to refuse or limit bets at any time without providing a reason. Bets placed on events already known to be concluded, or bets placed with insider knowledge, will be voided. In cases of obvious errors (incorrect odds, incorrect event information), 95ph reserves the right to void affected bets and refund stakes.

Sports betting results are settled based on official results declared by the governing body of the sport. If an event is abandoned or canceled, bets are typically voided unless otherwise specified in sport-specific rules. Live betting may have delayed odds due to streaming latency; bets placed after outcomes are determined will be voided.

7. Account Closure and Termination

7.1 Voluntary Closure

You may request voluntary account closure at any time by contacting 95ph customer support. Upon closure, any remaining balance will be paid out according to standard withdrawal procedures. Voluntarily closed accounts may be reopened at your request after a cooling-off period of at least seven (7) days.

7.2 Suspension and Termination by 95ph

95ph reserves the right to suspend or terminate your account immediately and without prior notice if:

• You violate any provision of these Terms.
• You provide false or misleading information during registration or verification.
• You engage in fraudulent, illegal, or abusive behavior.
• Your account is identified as part of a multi-accounting scheme.
• Required verification documents are not provided within specified timeframes.
• We suspect money laundering or other illegal activities.

Upon termination, any bonuses and associated winnings will be forfeited. Deposited funds may be refunded at our discretion after deducting administrative fees and investigation costs. 95ph is under no obligation to provide reasons for account termination beyond stating that Terms have been violated.

8. Intellectual Property Rights

All content on the 95ph Platform, including but not limited to text, graphics, logos, images, software, and game content, is the property of 95ph or its licensors and is protected by Philippine and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for personal entertainment purposes only.

You may not:

• Copy, reproduce, distribute, or create derivative works from Platform content.
• Reverse engineer, decompile, or disassemble any software components.
• Remove or modify copyright notices or proprietary markings.
• Use 95ph trademarks or branding without express written permission.

9. Limitation of Liability

To the fullest extent permitted by Philippine law, 95ph shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform.
• Loss of profits, revenue, data, or business opportunities.
• Technical failures, internet connectivity issues, or third-party service interruptions.
• Unauthorized access to your account resulting from your failure to maintain password security.
• Errors in game results caused by software malfunctions, provided affected bets are voided.

Our total liability to you for all claims arising from your use of 95ph services shall not exceed the amount deposited into your account during the six (6) months preceding the claim.

10. Dispute Resolution and Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising from these Terms or your use of 95ph services shall be resolved through the following process:

1. Customer Support Resolution: Contact 95ph customer support to attempt informal resolution. Most issues can be resolved quickly through our support team.
2. PAGCOR Mediation: If customer support cannot resolve the dispute, you may file a complaint with PAGCOR, which oversees licensed gaming operators in the Philippines.
3. Arbitration: Disputes not resolved through PAGCOR mediation shall be submitted to binding arbitration under the rules of the Philippine Dispute Resolution Center, Inc.
4. Jurisdiction: If arbitration is unavailable or inapplicable, disputes shall be resolved exclusively in the courts of Metro Manila, Philippines.

By agreeing to these Terms, you waive any right to participate in class action lawsuits or class-wide arbitration against 95ph.

11. Privacy and Data Protection

95ph collects, processes, and stores personal data in accordance with our Privacy Policy and the Philippine Data Privacy Act of 2012. By using our services, you consent to the collection and processing of your personal information as described in our Privacy Policy. We implement appropriate technical and organizational measures to protect your data from unauthorized access, disclosure, alteration, or destruction.

12. Responsible Gaming

95ph is committed to promoting responsible gaming practices. We provide tools to help players maintain control over their gaming activities, including deposit limits, session time limits, reality checks, and self-exclusion options. If you believe you may have a gambling problem, please contact organizations such as Gamblers Anonymous Philippines or seek professional counseling.

Parents and guardians are encouraged to use parental control software to prevent minors from accessing gambling websites. 95ph takes underage gambling seriously and will close any accounts found to belong to individuals under twenty-one (21) years of age.

13. Contact Information

For questions about these Terms and Conditions, please contact 95ph through the following channels:

• Email: [email protected]
• Live Chat: Available 24/7 on the Platform
• Customer Support Hours: 24 hours a day, 7 days a week

We strive to respond to all inquiries within twenty-four (24) hours. For urgent matters, live chat provides the fastest response.