phatay Terms & Conditions

1.1 These Terms apply to all aspects of your relationship with phatay, including account registration, deposits, withdrawals, participation in games, use of bonuses and promotions, and any communications between you and phatay.

1.2 By accessing the phatay platform in any capacity — whether as a registered user, a visitor, or otherwise — you acknowledge and accept these Terms, our Privacy Policy, and our Responsible Gaming Policy, each of which is incorporated herein by reference.

1.3 phatay reserves the right to amend these Terms at any time. The most current version will always be available at phatay.co/terms-conditions. Continued use of the phatay platform following the posting of updated Terms constitutes your acceptance of the revised Terms.

1.4 These Terms are written in English. In the event of any conflict or inconsistency between a translated version and the English version, the English version shall prevail.

2.1 To be eligible to register and use the phatay platform, you must:

• Be at least 21 years of age;
• Be a natural person and not a corporation, trust, partnership, or other legal entity;
• Not be subject to any self-exclusion arrangement, whether through phatay or under any applicable gaming authority scheme;
• Not be acting on behalf of another person;
• Not be an employee, officer, director, or affiliate of phatay or any of its related entities, or an immediate family member of any such person;
• Have the legal capacity and authority to enter into a binding contract under Philippine law.

2.2 phatay is intended for use by players who are physically located in the Philippines and who are permitted to access online gaming services under applicable local laws. It is your sole responsibility to ensure that your use of phatay is legal in your jurisdiction.

2.3 If phatay discovers that you do not meet the eligibility requirements set out in this section, phatay reserves the right to immediately suspend or permanently close your account, void any pending or unsettled wagers, and withhold or recover any funds determined to have been derived from ineligible use of the platform.

3.1 To access phatay's gaming services, you must register a player account. During registration, you are required to provide accurate, complete, and truthful information, including your full legal name, date of birth, Philippine mobile number, and any other information requested by phatay for the purposes of identity verification and compliance.

3.2 One Account Per Person. Each individual may hold only one registered account on phatay. The creation of duplicate, multiple, or linked accounts by the same individual is strictly prohibited. Where phatay identifies multiple accounts held by the same person, phatay may consolidate, suspend, or permanently close such accounts and void any associated balances or bonuses.

3.3 You must promptly notify phatay of any changes to your personal details by updating your account information or contacting customer support.

3.4 phatay reserves the right to decline any registration application at its sole discretion and without obligation to provide reasons.

3.5 Know Your Customer (KYC) Verification

Before processing any withdrawal, phatay requires identity verification in accordance with anti-money laundering (AML) obligations. You may be asked to provide:

• A government-issued photo ID (e.g., Philippine passport, driver's license, SSS/GSIS card, UMID, or voter's ID);
• Proof of address (e.g., utility bill or bank statement dated within the last three months);
• Proof of payment method ownership (e.g., screenshot of GCash or PayMaya account linked to your registered mobile number);
• Any additional documentation phatay deems necessary for compliance purposes.

Failure to complete KYC verification within a reasonable timeframe may result in the suspension of withdrawal privileges or account closure.

4.1 You are solely responsible for maintaining the confidentiality and security of your phatay account credentials, including your username and password. You must not disclose your login details to any third party under any circumstances.

4.2 You are responsible for all activity conducted through your account, whether or not authorised by you. phatay shall not be liable for any losses arising from unauthorised access to your account resulting from your failure to maintain the security of your credentials.

4.3 If you become aware of or suspect any unauthorised access to your phatay account, you must notify phatay's customer support team immediately via live chat or email. phatay will investigate and, where appropriate, take measures to protect your account.

4.4 phatay will never contact you to request your password, full payment card details, or other sensitive account credentials. You should treat any such request as fraudulent and report it to phatay immediately.

5.1 Deposits

All deposits to your phatay account must be made using a payment method in your own name. phatay accepts deposits via GCash, PayMaya, BPI, BDO, Metrobank, and debit card. The minimum deposit amount is ₱100. phatay does not charge fees on standard deposits; however, your payment provider may apply its own transaction charges.

Deposits are credited to your phatay account balance upon confirmation of receipt. Processing times vary by payment method: GCash and PayMaya deposits are typically credited instantly; bank transfers may take up to one (1) business day.

5.2 Withdrawals

To request a withdrawal, your phatay account must be fully verified under our KYC procedures. The minimum withdrawal amount is ₱200. Withdrawals are processed to the same payment method used for your most recent deposit, subject to verification requirements.

phatay aims to process verified withdrawal requests within the following timeframes: GCash and PayMaya — within 15 minutes to 2 hours; bank transfers (BPI, BDO, Metrobank) — within the same business day. phatay reserves the right to apply additional processing times for large withdrawal amounts or where additional verification is required.

5.3 Refused Transactions

phatay reserves the right to refuse, reverse, or place a hold on any transaction where there is reasonable suspicion of fraudulent activity, use of a payment method not belonging to the account holder, or breach of these Terms.

6.1 phatay may from time to time offer bonuses, free credits, free spins, cashback, and other promotional incentives to eligible players. All promotions are subject to specific terms and conditions which will be stated at the time the promotion is offered. In the event of any conflict between general Terms and promotion-specific terms, the promotion-specific terms shall prevail.

6.2 Wagering Requirements. Unless otherwise specified, bonus funds are subject to wagering requirements before they may be withdrawn as real money. Wagering requirements, eligible games, time limits, and maximum bet sizes applicable to each bonus will be clearly stated in the relevant promotion terms.

6.3 Bonuses are intended for personal entertainment purposes only. The use of bonuses in a systematic manner designed to exploit promotional terms — including but not limited to bonus abuse, arbitrage strategies, or coordinated play by multiple accounts — is strictly prohibited and may result in the forfeiture of bonus funds and the suspension of your phatay account.

6.4 phatay reserves the right to withdraw, modify, or cancel any promotion at any time and without prior notice. phatay further reserves the right to disqualify any player from a promotion if there is reasonable evidence of abuse or breach of promotion terms.

6.5 Only one bonus may be active on your phatay account at any given time, unless otherwise stated in the applicable promotion terms.

7.1 All games available on the phatay platform operate in accordance with individual game rules, which are accessible from within each game. You are responsible for familiarising yourself with the rules of any game before placing a wager.

7.2 Random Number Generation. All RNG-based games on phatay use certified Random Number Generation technology that has been independently verified to ensure fair and unpredictable outcomes. Return to Player (RTP) percentages for available games are published on our platform.

7.3 Live Casino. Live dealer games are streamed in real time from certified studio environments. All live tables operate under the rules of the relevant game as displayed in the game interface. The decisions of live dealers are final in accordance with applicable game rules.

7.4 phatay reserves the right to void any bet or wager where there is evidence of a technical malfunction, software error, or circumstances beyond phatay's reasonable control that may have affected the integrity or outcome of the game.

7.5 In the event of a dispute regarding a game outcome, the records held by phatay's gaming systems shall be the authoritative reference. Where a technical error has caused an incorrect result to be displayed, the correct result as recorded by the server shall apply.

8.1 The following conduct is strictly prohibited on the phatay platform. Engaging in any of the following may result in immediate account suspension or permanent closure, forfeiture of account balance and bonuses, and potential legal action:

• Registering more than one account on phatay;
• Providing false, misleading, or fraudulent information during registration or verification;
• Using the phatay platform while subject to a self-exclusion order or other gaming restriction;
• Using the platform for any money laundering or other illegal financial activity;
• Using any automated system, bot, script, or exploit to gain an unfair advantage in any game;
• Colluding with other players, including coordinated play designed to manipulate game outcomes;
• Abusing bonuses, promotions, or any other incentive scheme offered by phatay;
• Accessing your phatay account through a VPN, proxy, or other technology intended to conceal your true geographic location;
• Depositing funds derived from illegal activity;
• Engaging in chargebacks or disputing legitimate phatay transactions with your payment provider.

9.1 All content on the phatay platform — including but not limited to the website design, graphics, logos, text, software, game content, audio, video, and all other materials — is owned by or licensed to phatay and is protected by applicable intellectual property laws.

9.2 You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phatay platform solely for personal, non-commercial gaming entertainment purposes. This licence does not include any right to reproduce, modify, distribute, publicly display, reverse-engineer, or otherwise exploit any content or technology on the platform.

9.3 The phatay name, logo, and associated marks are trademarks or service marks of phatay. Nothing in these Terms grants you any right to use phatay's trademarks or branding for any purpose without express written consent.

10.1 phatay is committed to promoting responsible gambling and takes its obligations in this area seriously. Gambling should be an enjoyable leisure activity. If you find that gambling is negatively affecting your life, your finances, or your relationships, please seek help immediately.

10.2 phatay provides the following responsible gaming tools, available directly from your account settings:

• Deposit Limits — Set daily, weekly, or monthly limits on the amount you can deposit;
• Loss Limits — Cap your net losses over a defined period;
• Session Time Limits — Set alerts and automatic log-outs based on session duration;
• Reality Checks — Receive periodic reminders of your time spent on the platform;
• Self-Exclusion — Exclude yourself from phatay for a defined or indefinite period.

10.3 Self-Exclusion. If you wish to exclude yourself from phatay, you may do so immediately through your account settings or by contacting our support team via live chat. Self-exclusion takes effect across the entire phatay platform immediately upon activation. Please note that self-exclusion requests cannot be reversed for a minimum period of 30 days from activation.

10.4 phatay strictly enforces the 21-year minimum age requirement. We use identity verification procedures to prevent underage gambling. If you are concerned that a minor may be accessing gambling services, please contact our support team immediately.

10.5 For independent assistance with problem gambling, we encourage you to seek support from appropriate Philippine-based organisations and resources. phatay's Responsible Gaming page contains further information on available tools and support services.

11.1 To the maximum extent permitted by applicable Philippine law, phatay shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the phatay platform, including but not limited to loss of profits, loss of data, or loss of goodwill.

11.2 phatay's total aggregate liability to you in connection with any claim arising under or in connection with these Terms shall not exceed the net amount deposited by you into your phatay account in the thirty (30) days immediately preceding the event giving rise to the claim.

11.3 phatay does not guarantee uninterrupted or error-free operation of the platform. The platform is provided on an "as is" and "as available" basis. phatay will use reasonable efforts to ensure availability but does not warrant that the platform will be free of downtime, errors, or interruptions.

11.4 Nothing in these Terms shall limit phatay's liability for death or personal injury caused by its negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

12.1 Termination by You. You may close your phatay account at any time by contacting customer support. Before closing your account, you should withdraw any available real-money balance. Upon account closure, any pending bonus funds that have not met applicable wagering requirements will be forfeited.

12.2 Termination by phatay. phatay reserves the right to suspend, restrict, or permanently close your account at any time and with immediate effect where:

• You have breached any provision of these Terms;
• We have reasonable grounds to suspect fraudulent activity, money laundering, or other illegal conduct;
• You are found to be ineligible under Section 2 of these Terms;
• We are required to do so by any applicable law, regulation, or directive from a competent authority;
• Your account has been inactive for a period exceeding 12 consecutive months.

12.3 Upon account closure, phatay will return any verified real-money balance to you via your registered payment method, subject to the deduction of any amounts owed by you to phatay and after any required compliance checks have been completed.

13.1 phatay collects, processes, and stores your personal data in accordance with our Privacy Policy, which is available at phatay.co/privacy-policy. By using phatay, you consent to the collection and processing of your personal data as described in the Privacy Policy.

13.2 phatay processes personal data for the purposes of account management, identity verification, fraud prevention, legal compliance, customer support, and the provision of gaming services. phatay will not sell your personal data to third parties for marketing purposes without your explicit consent.

13.3 phatay may be required to disclose your personal data to regulatory authorities, including PAGCOR, in response to lawful requests or as required by Philippine law.

14.1 These Terms and any dispute or claim arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the laws of the Republic of the Philippines.

14.2 Complaints Procedure. If you have a complaint about phatay's services, you should first contact our customer support team via live chat (available 24/7) or by email at [email protected]. phatay will use reasonable efforts to resolve your complaint within five (5) business days of receipt.

14.3 Where a complaint cannot be resolved through our internal procedures, you may escalate the matter to the relevant Philippine gaming authority. phatay operates within the regulatory oversight of PAGCOR, which provides an independent avenue for unresolved player complaints.

14.4 Any formal legal proceedings arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

15.1 phatay reserves the right to amend, update, or replace these Terms at any time. The effective date of the most recent revision is stated at the top of this document. Where amendments are material, phatay will make reasonable efforts to notify registered users via their registered email address or through a notice displayed on the platform.

15.2 Your continued use of the phatay platform after any amendment takes effect constitutes your acceptance of the revised Terms. If you do not agree to revised Terms, you should cease using the platform and contact customer support to close your account.

15.3 The current version of these Terms supersedes all prior versions and constitutes the entire agreement between you and phatay with respect to your use of the platform.

16.1 If you have any questions about these Terms & Conditions, or wish to exercise any rights available to you under these Terms, please contact phatay using the following channels:

• Live Chat: Available 24/7 through the phatay platform — average response time under 2 minutes.
• Email: [email protected] (plain text — not a clickable link)

16.2 For formal legal correspondence, please use the email address above with the subject line marked "Legal Notice — Terms & Conditions." phatay will acknowledge receipt within two (2) business days.