phmery Terms & Conditions

In these Terms & Conditions, the following terms shall carry the meanings set out below unless the context otherwise requires:

• "phmery", "we", "us", or "our" — refers to the phmery platform, its operators, and associated entities licensed to operate under PAGCOR regulations in the Philippines.
• "Platform" — the phmery website at phmery.club and any associated mobile interfaces, APIs, or services operated by phmery.
• "Player", "you", or "your" — any registered user who holds an active phmery account.
• "Account" — the individual registered account held by a Player on the phmery Platform.
• "Real Money Balance" — funds deposited by the Player using Philippine Peso or accepted payment methods, held in the Player's phmery wallet.
• "Bonus Balance" — non-cashable promotional credits granted by phmery subject to wagering requirements before conversion to withdrawable funds.
• "KYC" — Know Your Customer identity verification procedures required under Philippine anti-money laundering laws and PAGCOR licensing conditions.
• "PAGCOR" — the Philippine Amusement and Gaming Corporation, the government agency responsible for licensing and regulating online gaming in the Philippines.
• "Prohibited Jurisdiction" — any territory in which access to or use of the phmery Platform is restricted or prohibited by applicable law.

By accessing, registering on, or using the phmery Platform in any capacity, you unconditionally agree to be bound by these Terms & Conditions, together with our Privacy Policy, Responsible Gaming Policy, and any game-specific rules or promotional terms published on the Platform.

These Terms constitute a legally binding agreement between you and phmery. If you do not agree with any part of these Terms, you must immediately cease all use of the phmery Platform and close your Account.

phmery reserves the right to require Players to affirmatively re-accept these Terms following material amendments by presenting an in-platform confirmation prompt before access is restored.

To open and maintain an Account on phmery, you must satisfy all of the following eligibility criteria at the time of registration and on a continuing basis throughout the duration of your Account:

• Age: You must be at least twenty-one (21) years of age. phmery strictly enforces PAGCOR's minimum age requirement of 21 years for participation in real-money online gaming in the Philippines.
• Jurisdiction: You must be physically located in the Philippines or a jurisdiction in which access to online gaming through phmery is legally permitted at the time of each gaming session.
• Legal Capacity: You must have full legal capacity to enter into a binding agreement and not be subject to any court order or legal restriction that would prevent you from doing so.
• Non-Exclusion: You must not be voluntarily or involuntarily self-excluded from any gaming platform, including phmery, at the time of registration or gameplay.
• Personal Use: You must be registering and playing solely for your own personal, recreational use and not on behalf of any third party.

4.1 Registration Requirements

To register a phmery Account, you must provide accurate, current, and complete information including your full legal name, Philippine mobile number, date of birth, and a valid email address. You are solely responsible for maintaining the accuracy of your registration information and must update it promptly if any details change.

4.2 Single Account Policy

Each individual player may hold only one (1) registered phmery Account. The registration of multiple Accounts — whether under the same identity, different identities, or through technical circumvention — is strictly prohibited. phmery actively monitors for duplicate Account activity and will suspend all associated Accounts upon detection.

4.3 Account Security

You are responsible for maintaining the confidentiality of your phmery Account credentials, including your password and any two-factor authentication codes. phmery recommends enabling SMS-based two-factor authentication on all Accounts. You must notify phmery support immediately if you suspect unauthorised access to your Account. phmery shall not be liable for any losses resulting from your failure to safeguard your login credentials.

4.4 Account Verification

phmery may, at its discretion and as required by law, request verification documents at any time. Failure to provide requested verification documents within the stipulated timeframe may result in Account restriction or closure.

phmery accepts deposits denominated in Philippine Peso (PHP / ₱) through the following payment channels:

All deposits must originate from payment accounts held in the Player's own name. Third-party deposits are strictly prohibited. phmery reserves the right to reject any deposit that cannot be verified as originating from the registered Player.

6.1 Withdrawal Processing

phmery processes withdrawal requests to the Player's verified payment account on file. Withdrawals to GCash and Maya e-wallets are processed within the same business day for verified Accounts. Bank transfers to BPI, BDO, and UnionBank are processed within 2–4 banking hours during regular business days. phmery does not charge withdrawal fees on its end, though third-party financial institutions may apply their own charges.

6.2 Minimum and Maximum Withdrawals

The minimum withdrawal amount is ₱200. There is no upper withdrawal cap for fully KYC-verified phmery Accounts. Accounts that have not completed KYC verification may have withdrawal limits applied pending document submission.

6.3 KYC Requirements

Before processing any withdrawal, phmery is legally required to verify the identity of the withdrawing Player. Acceptable Philippine government-issued identification documents include but are not limited to: UMID, SSS ID, PhilHealth ID, Philippine Passport, Driver's License, and Postal ID. Documents must be valid, unexpired, and clearly legible. phmery reserves the right to request additional supporting documentation for high-value withdrawals.

6.4 Withdrawal Refusal

phmery reserves the right to refuse, delay, or suspend a withdrawal request where: (a) KYC verification is incomplete; (b) the withdrawal is suspected to be associated with fraudulent, collusive, or money-laundering activity; (c) a chargeback has been initiated on a related deposit; or (d) the Account is under active investigation by phmery's compliance team.

phmery offers promotional bonuses to both new and existing Players, including but not limited to welcome deposit match bonuses, reload bonuses, cashback offers, and free spins. All bonuses are subject to the following general conditions, supplemented by the specific terms published with each individual promotion:

• Wagering Requirement: All bonus credits must be wagered a specified number of times (the "wagering multiplier") before any associated winnings may be withdrawn. The applicable wagering multiplier is disclosed in each promotion's specific terms.
• Eligible Games: Not all games contribute equally toward wagering requirements. Game contribution rates are published in each promotional offer. Live casino and table games typically carry reduced contribution rates compared to slots.
• Time Limits: All bonuses carry expiry periods. Bonus credits and associated wagering requirements that are not completed within the stated period will be forfeited automatically.
• Maximum Bet Rule: While a Bonus Balance is active, the maximum permitted bet per round or hand is ₱500 unless otherwise specified. Exceeding this limit may result in voiding the bonus and any associated winnings.
• One Bonus Per Promotion: Each promotion is limited to one claim per Player, per household, per IP address, and per device.
• phmery reserves the right to amend, suspend, or withdraw any promotion at any time, subject to applicable consumer protection obligations.

All games available on phmery operate in accordance with the individual game rules published within each game interface and the general principles set out herein.

Games utilising a Random Number Generator (RNG) are certified by independent testing laboratories. Certified Return-to-Player (RTP) percentages are published for all slot titles. Live casino games are streamed from certified studios and operate under the rules of the relevant game variant.

In the event of a technical malfunction that interrupts a game round, phmery's policy is to cancel the affected round and return the staked amount to the Player's Account. phmery shall not be liable for any perceived or expected winnings arising from a malfunctioning game round. Any dispute regarding game outcomes must be submitted to phmery support within 72 hours of the relevant game session.

The following conduct is strictly prohibited on the phmery Platform and will result in immediate Account suspension, forfeiture of balances, and referral to relevant Philippine authorities where applicable:

• Registering or using an Account in a Prohibited Jurisdiction.
• Providing false, misleading, or fraudulent registration information.
• Using the Platform if you are under 21 years of age.
• Operating multiple Accounts, whether personally or through third parties.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with the Platform in any manner.
• Engaging in collusion, match-fixing, or any form of coordinated play intended to manipulate game outcomes.
• Exploiting software errors, glitches, or bugs for financial gain. Any such winnings are void.
• Engaging in money laundering, structuring of transactions, or any activity in violation of Philippine Anti-Money Laundering Act (AMLA) and its implementing rules.
• Making chargebacks on deposits while retaining funds or using winnings derived from those deposits.
• Harassing, threatening, or abusing phmery staff or other Players.

All content on the phmery Platform — including but not limited to the phmery brand name, logo, game interfaces, graphics, text, database compilations, software, and underlying code — is the exclusive intellectual property of phmery or its licensed content providers. All rights are reserved.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phmery Platform for your personal, non-commercial gaming purposes only. This licence does not extend to any reproduction, distribution, modification, creation of derivative works, or commercial exploitation of any phmery content without prior written authorisation from phmery.

To the maximum extent permitted by applicable Philippine law, phmery's total aggregate liability to any Player arising out of or in connection with these Terms shall not exceed the value of the net Real Money Balance held in the Player's Account at the time the relevant claim arises.

phmery shall not be liable for: (a) any indirect, incidental, special, or consequential losses; (b) loss of profits, revenue, goodwill, or anticipated savings; (c) service interruptions caused by third-party infrastructure, telecommunications providers, or force majeure events; (d) decisions made by the Player based on information published on the Platform that is subject to human or technical error.

Nothing in these Terms excludes or limits phmery's liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable Philippine law.

phmery is committed to providing a safe and responsible gaming environment for all Filipino players. phmery provides the following tools — accessible from your Account settings at any time — to support responsible play:

• Deposit Limits: Daily, weekly, and monthly deposit caps, adjustable at any time. Reductions take effect immediately; increases are subject to a 24-hour cooling period.
• Session Time Reminders: Alerts notifying you of the duration of your current gaming session.
• Cooling-Off Period: A temporary Account restriction for a defined period (24 hours to 6 weeks) during which gameplay is suspended.
• Self-Exclusion: Voluntary permanent or time-limited exclusion from the phmery Platform. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period.

phmery reserves the right to suspend, restrict, or permanently close a Player's Account at any time and without prior notice in the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Reasonable suspicion of fraudulent, collusive, or criminal activity.
• Failure to complete KYC verification within the required timeframe.
• Receipt of a chargeback instruction from a payment provider.
• Direction from PAGCOR or other competent Philippine regulatory authority.
• A Player's voluntary self-exclusion request.

Where an Account is closed due to a breach of these Terms, phmery reserves the right to withhold and forfeit the Account balance to the extent permitted by applicable law. Where an Account is closed for reasons other than a Player's breach, any verified Real Money Balance will be returned to the Player's registered payment method following completion of KYC.

A Player may also request voluntary Account closure at any time by contacting phmery support. Pending wagering requirements on active bonuses will be forfeited upon Account closure at the Player's request.

phmery processes personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its Implementing Rules and Regulations. The collection, use, storage, and disclosure of your personal information are governed by the phmery Privacy Policy, which forms an integral part of these Terms & Conditions.

By registering on phmery, you consent to the processing of your personal data as described in the Privacy Policy, including for purposes of identity verification, fraud prevention, regulatory compliance, and personalised communications related to your Account and the phmery Platform.

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

Any dispute arising out of or in connection with these Terms that cannot be resolved through phmery's internal dispute resolution process shall be subject to the jurisdiction of PAGCOR's dispute resolution mechanisms as applicable to PAGCOR-licensed operators. Disputes not within PAGCOR's jurisdiction shall be submitted to the appropriate courts of the Philippines.

Players must first submit any dispute to phmery support in writing and allow phmery a reasonable period of not less than 30 calendar days to investigate and respond before initiating any regulatory or legal proceedings.

phmery reserves the right to amend these Terms & Conditions at any time. Where amendments are material — meaning they substantively affect Player rights or obligations — phmery will provide at least 14 calendar days' notice via the Platform's notification system and/or by email to the registered address on file prior to the amended Terms taking effect.

For non-material amendments (such as corrections of typographical errors, clarifications, or updates to reflect changes in PAGCOR regulations), the amended Terms may take effect immediately upon publication. The "Last Updated" date at the top of this document will always reflect the date of the most recent revision.

Continued use of the phmery Platform following the effective date of any amendment constitutes acceptance of the revised Terms.

If you have questions about these Terms & Conditions or about your phmery Account, our support team is available 24 hours a day, 7 days a week.

All formal legal correspondence, including notices relating to disputes or claims, should be submitted in writing via the email address above with the subject line Legal Notice — phmery Terms.

These Terms & Conditions were last reviewed and updated on 1 January 2026 and supersede all previous versions. If there is a conflict between a translated version of these Terms and the English version, the English version shall prevail.