These Terms & Conditions govern your access to and use of phbing Casino and all related services. By creating an account or placing a wager on phbing, you confirm that you have read, understood, and agreed to these terms in full.
These cards summarise important aspects of the phbing Terms & Conditions. They are not a substitute for reading the full document below.
You must be at least 21 years of age to register and use phbing Casino. This is a legal requirement under PAGCOR's regulatory framework for online gaming in the Philippines. Age verification is mandatory.
phbing Casino is intended for use by players physically located within the Philippines. It is your responsibility to ensure that accessing phbing's services is lawful in your jurisdiction before registering.
Each individual may hold only one phbing account. Duplicate accounts will be suspended and associated balances may be forfeited. All accounts must be registered to the player's own verified identity.
All phbing bonuses, promotions, and free-spin offers are subject to wagering requirements and game restrictions. Bonus funds cannot be withdrawn until applicable wagering requirements have been fully met.
Fraud, collusion, use of automated tools, money laundering, and any attempt to manipulate game outcomes are strictly prohibited. Violations result in immediate account suspension and forfeiture of funds.
phbing provides deposit limits, session controls, and self-exclusion tools. Players are encouraged to use them. If gaming is causing financial or personal harm, please access the responsible gaming resources available in your account settings.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," "you") and phbing ("phbing," "we," "us," "our"), the operator of the online gaming platform accessible at phbing.app and all associated domains, subdomains, mobile sites, and services (collectively, the "Platform").
By accessing the phbing Platform, registering an account, making a deposit, claiming a bonus, or placing any wager, you acknowledge that you have read these Terms in their entirety, that you understand them, and that you agree to be legally bound by them. If you do not accept these Terms, you must immediately cease use of the phbing Platform and close your account.
These Terms apply alongside any supplementary rules applicable to specific games, promotions, tournaments, or features offered on phbing. In the event of any conflict between these Terms and any supplementary rules, the supplementary rules shall prevail with respect to the specific game or feature they govern, unless otherwise stated.
Registration and use of phbing Casino is strictly limited to individuals who are 21 years of age or older. This minimum age requirement is established pursuant to the regulatory guidelines of the Philippine Amusement and Gaming Corporation (PAGCOR), which governs online gaming operations serving players within the Philippines. By registering, you represent and warrant that you are at least 21 years old at the time of account creation.
phbing's services are directed at players physically located within the Philippines. You are solely responsible for ensuring that your access to and use of phbing's Platform is lawful in your jurisdiction. phbing does not accept registrations from jurisdictions where online gambling is prohibited by law.
To create a phbing account, you must provide your valid Philippine mobile number, a secure password, and accurate personal information as requested during registration. You agree to provide truthful, accurate, and complete information at the time of registration and to keep your account information updated at all times.
phbing is required to verify the identity of all players prior to processing withdrawals and as an ongoing compliance obligation. You must submit a clear copy of a valid Philippine government-issued identification document. Accepted identification documents include: PSA National ID (PhilSys), UMID, Driver's License, Passport, Voter's ID, PRC ID, and SSS/GSIS card. phbing reserves the right to request additional documentation at any time, including proof of address and proof of payment method ownership.
Each individual is permitted to hold only one phbing account. The creation or operation of duplicate, secondary, or alternative accounts by the same individual is strictly prohibited and constitutes a material breach of these Terms. phbing reserves the right to close all duplicate accounts and to forfeit any balances associated with accounts found to be in violation of this policy.
You are solely responsible for maintaining the confidentiality of your phbing account credentials, including your mobile number, password, and any two-factor authentication codes. You must not share your login credentials with any third party. phbing strongly recommends enabling Two-Factor Authentication (2FA) on your account to provide an additional layer of security.
You must notify phbing immediately upon becoming aware or suspecting that your account has been accessed without your authorisation. phbing shall not be liable for any losses arising from unauthorised account access where you have failed to adequately secure your credentials, failed to enable 2FA, or knowingly shared your login details.
All personal information associated with your phbing account must be accurate and current at all times. You must promptly update your account information in the event of any changes to your mobile number, identity documents, or linked payment accounts. phbing may suspend an account pending re-verification if account information becomes inconsistent with the identity documents on file.
Your phbing account is for your personal, individual use only. You may not allow any other person to access, use, or operate your account on your behalf. Wagers placed using your account are deemed to have been placed by you personally, and you accept full financial responsibility for all activity conducted through your account.
phbing accepts deposits via GCash, Maya, QR Ph, GrabPay, BPI, BDO, Metrobank (via InstaPay), and 7-Eleven CLiQQ. All accepted payment methods are displayed on the phbing deposit page. Minimum deposit amounts and any applicable processing fees are displayed at the time of each deposit transaction.
All deposits made to your phbing wallet are held in your account balance and are available for wagering on the Platform. phbing maintains player funds in designated accounts in accordance with its obligations under the PAGCOR online gaming regulatory framework. Your deposited balance is not used for phbing's operational expenses.
Withdrawals are only available to players who have completed KYC identity verification. phbing reserves the right to request additional verification documents prior to processing any withdrawal. Minimum withdrawal amounts are displayed at the time of the withdrawal request.
Standard withdrawal processing times are as follows: GCash and Maya withdrawals are typically processed within 5 to 30 minutes for fully verified accounts; bank transfer withdrawals (BPI, BDO, Metrobank) are typically processed within 1 to 3 business hours. phbing does not charge fees on standard withdrawals; however, your payment provider may apply its own fees, which are outside phbing's control.
All transactions on the phbing Platform are conducted in Philippine Peso (PHP / ₱). phbing does not operate multi-currency wallets; your account balance reflects your holdings exclusively in PHP.
phbing reserves the right to refuse, delay, or reverse any deposit or withdrawal where it has reasonable grounds to suspect fraud, money laundering, breach of these Terms, or violation of applicable law. In such cases, phbing will contact the account holder for clarification prior to taking any action.
All bonuses, free spins, cashback offers, reload bonuses, and other promotional rewards offered by phbing are subject to the specific terms applicable to that promotion, in addition to these general Terms. By claiming any bonus, you agree to the applicable promotion terms.
Bonus funds are subject to wagering requirements before they may be withdrawn. The applicable wagering multiplier, eligible games, minimum odds (where applicable), and expiry period are specified in each promotion's individual terms. Wagers placed on excluded games do not contribute toward wagering requirement fulfilment.
phbing strictly prohibits bonus abuse, including but not limited to: creating multiple accounts to claim the same offer, using bonus funds in a manner designed to circumvent wagering requirements through low-risk hedging strategies, and misrepresenting eligibility for a promotion. phbing reserves the right to void bonuses and associated winnings in cases of suspected abuse.
Unclaimed bonuses and bonus funds with incomplete wagering requirements will expire according to the timeframes specified in each promotion's terms. Expired bonus balances are automatically removed from your phbing account without refund.
All digital games on the phbing Platform — including slots, crash games, and digital table game variants — use independently certified Random Number Generator (RNG) systems to determine outcomes. Outcomes are statistically random and cannot be predicted, influenced, or modified by the player or by phbing.
Live dealer games at phbing use physical equipment — real playing cards, real roulette wheels — operated by professional dealers in a live environment streamed via video. Live game outcomes are determined by the physical result of each hand or spin and are beyond the manipulation of either phbing or its players.
In the event of a game malfunction, disconnection, or technical error during a live session or active game round, phbing will make reasonable efforts to verify the outcome based on available game logs. Where a game outcome cannot be reliably determined, the wager for the affected round will be refunded to the player's phbing wallet. phbing's determination of malfunction outcomes is final.
Published RTP percentages for games on the phbing Platform reflect the theoretical long-term return to the player over a large number of rounds. RTP figures represent statistical averages and do not guarantee individual session outcomes or minimum winning amounts.
The following conduct is strictly prohibited on the phbing Platform. Engaging in any prohibited activity constitutes a material breach of these Terms and will result in immediate account suspension, forfeiture of all balances, and — where appropriate — referral to law enforcement authorities.
phbing is committed to promoting responsible gaming practices. We believe that gaming should remain an enjoyable form of entertainment. We recognize that for some individuals, gambling can become problematic, and we take our responsibility to those players seriously.
phbing provides the following responsible gaming tools to all registered players, accessible via Account Settings:
phbing enforces strict age verification procedures. No individual under the age of 21 may register, deposit, or place wagers on phbing. If phbing suspects that an account is held by a person under 21, the account will be suspended pending identity verification and all winnings will be withheld pending investigation.
If you are concerned about your gambling habits or those of someone you know, phbing encourages you to seek assistance. You may contact phbing's 24/7 support team via live chat to request self-exclusion or account restrictions at any time.
All content on the phbing Platform — including but not limited to software, game code, graphics, logos, images, audio, video, text, user interface design, and the phbing brand name and marks — is the exclusive intellectual property of phbing or its licensed content providers and is protected under applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phbing Platform solely for your personal, non-commercial entertainment purposes. This licence does not permit you to copy, reproduce, modify, distribute, publicly display, reverse engineer, or create derivative works of any phbing content without express written permission.
To the maximum extent permitted by applicable Philippine law, phbing's total aggregate liability to you in connection with the Platform, your account, or any services provided — whether in contract, tort, negligence, or otherwise — shall not exceed the total deposits made to your phbing account in the 30-day period preceding the event giving rise to the claim.
phbing shall not be liable for: (a) any loss of profits, data, revenue, or opportunity; (b) indirect, consequential, special, or punitive damages; (c) losses arising from your reliance on Platform information for decision-making beyond gaming purposes; or (d) service interruptions caused by third-party providers including payment processors, internet service providers, or game content providers.
Nothing in these Terms shall exclude or limit phbing's liability for fraud, fraudulent misrepresentation, or any liability that cannot be excluded by law.
phbing collects, processes, and stores your personal data in accordance with its Privacy Policy, which forms part of this agreement and is incorporated herein by reference. By registering for a phbing account, you acknowledge that you have read and accepted phbing's Privacy Policy.
phbing processes personal data for the purposes of account management, KYC and age verification, payment processing, regulatory compliance, fraud prevention, and marketing communications (subject to your consent preferences). Your data will not be sold to third parties. For full details of how phbing handles your personal information, please refer to the Privacy Policy.
phbing reserves the right to amend, modify, or replace these Terms at any time. Where changes are material, phbing will endeavour to provide reasonable advance notice via in-account notification, email (where an email address is registered), or a prominent notice on the phbing Platform.
Updated Terms take effect on the date specified in the notice. Your continued use of the phbing 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 stop using the Platform and close your account.
phbing may, at its sole discretion, suspend or terminate any player account with immediate effect in any of the following circumstances: breach of these Terms; suspected fraud, collusion, or money laundering; failure to complete KYC verification within a reasonable time following a request; or receipt of a regulatory directive requiring such action.
You may close your phbing account at any time by contacting the support team via live chat. Upon account closure, any real-money balance in your wallet (excluding locked bonus funds subject to incomplete wagering requirements) will be returned to you via your verified withdrawal method, subject to standard KYC clearance.
In cases where an account is terminated due to a confirmed material breach of these Terms, phbing reserves the right to forfeit the account balance, including both real-money and bonus balances. phbing will provide written notice of any forfeiture and the grounds therefor.
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Both parties submit to the exclusive jurisdiction of the courts of the Philippines for the resolution of any dispute arising from or in connection with these Terms or the phbing Platform.
Before initiating formal legal proceedings, both parties agree to attempt to resolve any dispute through good-faith negotiation. Players who wish to raise a complaint may do so by contacting phbing's support team via live chat or via the support email address. phbing commits to acknowledging all formal complaints within 48 hours and providing a substantive response within 7 business days.
phbing operates within the PAGCOR online gaming regulatory framework. Players who remain dissatisfied following phbing's internal dispute resolution process may escalate their complaint in accordance with PAGCOR's published complaints and dispute resolution procedures.
If you have any questions about these Terms & Conditions, your phbing account, or any aspect of the Platform, you may contact phbing through the following channels: