phcharm com | PHCharm Terms & Conditions

By accessing phcharm com, creating an account, or placing any bet or wager on the platform, you confirm that you have read, understood, and agreed to be bound by these Terms and Conditions in their entirety. These Terms form a legally binding agreement between you and PHCharm.

If you do not agree to any part of these Terms, you must not register or use phcharm com. Continued use of the platform after any updates to these Terms constitutes your acceptance of the revised version.

To register and play at phcharm com, you must meet all of the following conditions:

• Required You are at least 21 years of age.
• Required You are physically located in the Philippines at the time of play.
• Required You are registering on your own behalf and are not acting as an agent for another person.
• Required You are not on any self-exclusion list or subject to a restriction that would prohibit participation in online gaming.
• Required You have not previously had a PHCharm account suspended or terminated for violations of these Terms.

PHCharm reserves the right to request proof of age and identity at any time. Accounts found to belong to players who do not meet these eligibility requirements will be closed and any balances may be forfeited in accordance with applicable procedures.

Each player may hold only one account on phcharm com. Duplicate accounts will be merged or closed at PHCharm's discretion, and balances may be voided if the duplication is found to have been used to exploit bonuses or circumvent restrictions.

During registration, you must provide accurate and truthful information including your full legal name, date of birth, and a valid Philippine mobile number. You are responsible for keeping your account information current.

Before your first withdrawal, you will be required to complete Know Your Customer (KYC) verification. This typically involves submitting a government-issued Philippine ID. Verification protects your account and ensures your winnings are paid to the correct person. Processing times for KYC vary but PHCharm will notify you of any issues promptly.

You are solely responsible for the security of your login credentials. PHCharm will never ask for your password. If you suspect unauthorised access to your account, contact support immediately at [email protected].

All transactions on phcharm com are denominated in Philippine Peso (PHP). No foreign currency conversions are applied to standard deposits or withdrawals.

Accepted deposit methods include Philippine online or mobile banking and local e-wallets such as GCash and Maya. Cryptocurrency and credit cards are not accepted as deposit or wagering methods on phcharm com.

Withdrawal requests require:

• A fully verified account (completed KYC)
• OTP confirmation sent to your registered mobile number
• The withdrawal destination must match a payment method in your name

PHCharm processes withdrawal requests in a timely manner for verified accounts. Unverified accounts may experience holds until KYC is completed. Withdrawal processing times may vary depending on the payment method used.

All games available at phcharm com — including live casino tables, slot games, bingo rooms, and sports betting — must be played in good faith and in accordance with the individual rules of each game.

The following activities are strictly prohibited and will result in immediate account suspension and potential forfeiture of balances:

• Using software, scripts, bots, or automated tools to place bets or interact with the platform
• Collusion with other players to gain an unfair advantage at live tables
• Exploiting errors, bugs, or technical glitches in games or the platform
• Attempting to place bets after a game result has been determined (late betting)
• Bonus abuse: systematically exploiting promotional offers in a manner not intended by their terms

PHCharm reserves the right to void any bets or winnings derived from activities that violate these fair use rules, and to take appropriate action up to and including permanent account closure.

For live casino games, the dealer's actions and game results as recorded by the live feed are final. Technical disconnections during a live game do not cancel bets already placed within the active round's betting window.

PHCharm offers promotions and bonuses to eligible players from time to time. The availability, eligibility criteria, and terms of each promotion — including any wagering requirements, game restrictions, or validity periods — are stated individually at the time the offer is presented.

General bonus conditions that apply across all phcharm com promotions unless otherwise specified:

• Bonuses are credited to your account balance and may be subject to wagering requirements before they are transferable to your withdrawable balance.
• Only one promotion can typically be active at a time unless an offer explicitly states otherwise.
• Bonuses are issued for personal use only and cannot be transferred between accounts.
• PHCharm reserves the right to modify, suspend, or withdraw any promotion at any time, subject to honouring any valid claims already in progress.

PHCharm does not guarantee or imply any minimum return, guaranteed profit, or risk-free outcome in connection with any promotion. All gaming involves financial risk.

PHCharm may suspend or close an account at its discretion if there is reasonable cause to believe that:

• The account holder has breached any part of these Terms and Conditions
• The account has been used to conduct fraudulent, deceptive, or unlawful activity
• Identity verification has failed or provided information is found to be false
• The account belongs to a person under 21 years of age
• A self-exclusion request has been submitted by the account holder

In cases where an account is suspended for investigation, PHCharm will attempt to communicate the reason and timeline to the registered contact. Balances in suspended accounts will be addressed on a case-by-case basis depending on the nature of the suspension.

Players who wish to close their own accounts voluntarily may do so by contacting support. Any withdrawable balance at the time of closure will be processed according to the standard withdrawal procedure.

PHCharm is committed to providing a gaming environment that supports responsible play. We do not promote gambling as a source of income or a way to recover losses, and we actively discourage players from gambling beyond their means.

PHCharm provides the following responsible gaming tools to all registered members:

• Deposit limits: Set a daily, weekly, or monthly cap on how much you can deposit.
• Session reminders: Configure time-based alerts to help you keep track of how long you have been playing.
• Cooling-off periods: Temporarily restrict access to your account for a defined period.
• Self-exclusion: Permanently close your account and request that it not be reopened.

If you are concerned that your gambling is causing harm to yourself or your household, please visit the Responsible Gaming page for guidance and resources.

PHCharm collects and processes personal data in connection with account registration, KYC verification, transaction processing, and platform security. The types of data collected, how it is used, and your rights in relation to that data are set out in full in the Privacy Policy.

By registering on phcharm com, you consent to the collection and processing of your personal data as described in the Privacy Policy. If you do not agree with how your data is handled, please do not register an account.

PHCharm does not sell your personal data to third parties. Data is used exclusively for platform operation, account management, security, and legal compliance purposes.

PHCharm provides the platform on an "as available" basis. While we work to maintain uptime and performance, we do not guarantee uninterrupted access and are not liable for losses resulting from platform downtime, technical errors, or third-party service disruptions beyond our reasonable control.

PHCharm is not liable for any loss, damage, or claim arising from:

• Your decision to place a bet or wager on any game or event
• Game outcomes that are determined by chance or live dealer action
• Unauthorised access to your account resulting from your failure to protect your credentials
• Your use of the platform in violation of these Terms

Nothing in these Terms limits liability for gross negligence, fraud, or where limitation is prohibited by applicable Philippine law.

PHCharm may update these Terms and Conditions from time to time to reflect changes in platform features, applicable law, or operating procedures. When changes are made, the "Last updated" date at the top of this page will be revised accordingly.

For material changes that significantly affect player rights or obligations, PHCharm will make reasonable efforts to notify registered players in advance via their registered email address or a notice on the platform. Continued use of phcharm com after the effective date of any changes constitutes your acceptance of the revised Terms.

We encourage you to review this page periodically. If any change is unacceptable to you, you may close your account before the revised Terms take effect.

If you have questions about these Terms and Conditions, your account, or any transaction on phcharm com, please contact our support team. We aim to respond to all inquiries in a timely manner.

Support email: [email protected]

For responsible gaming concerns, please refer to the dedicated Responsible Gaming page, which includes self-help tools and external support resources for players in the Philippines.

For frequently asked questions about how the platform works, game rules, and the withdrawal process, visit the FAQ page.