phshy Terms &
Conditions

In these Terms and Conditions, the following definitions apply unless the context otherwise requires:

• "phshy," "Platform," "we," "us," or "our" refers to the phshy online gaming platform operated at phshy.club and all associated services, features, and subdomains.
• "User," "Player," "you," or "your" refers to any individual who accesses, registers on, or uses the phshy platform in any capacity.
• "Account" means the registered user account created by a Player on the phshy platform, through which the Player accesses gaming services and manages their phshy wallet balance.
• "phshy Wallet" or "Account Balance" refers to the real-money credit balance held in a Player's phshy account, denominated in Philippine Peso (PHP), which may be used to fund gaming activity on the platform.
• "Games" means all gaming content accessible through the phshy platform, including but not limited to slot games, live dealer casino games, sports betting markets, e-sports markets, bingo, and sabong.
• "Bonus Funds" means promotional credits, free bet allocations, cashback credits, or other incentive balances credited to a Player's account subject to wagering requirements as defined in the applicable promotion terms.
• "Wagering Requirement" means the total amount a Player must wager using Bonus Funds before those funds, or winnings derived from them, become eligible for withdrawal, as specified in the relevant promotion terms.
• "KYC" means Know Your Customer — the identity verification process required by phshy as part of its compliance obligations, involving the submission of valid government-issued identification and proof of payment method ownership.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the primary regulatory authority governing gaming operations in the Philippines.
• "Prohibited Jurisdiction" means any country, territory, or jurisdiction in which access to or use of online gaming services is restricted, prohibited, or requires a local license not held by phshy.

These Terms and Conditions, together with the phshy Privacy Policy, Responsible Gaming Policy, and any specific game rules or promotion terms published on the platform, constitute the entire agreement between phshy and the User with respect to the use of the phshy platform.

By registering a phshy account, you irrevocably represent and warrant that:

• You have read and understood these Terms in their entirety;
• You are of legal age to engage in real-money gaming in your jurisdiction (which is 21 years of age in the Philippines);
• You are acting on your own behalf and not on behalf of any third party;
• All information you provide during registration and KYC is accurate, current, and complete;
• You are not accessing the phshy platform from a Prohibited Jurisdiction;
• You are not a current employee, officer, director, or close family member of any such person employed by phshy or any of its affiliated game providers;
• Your use of the phshy platform is for personal entertainment purposes only and not for any professional, commercial, or systematic financial gain purpose that exploits system vulnerabilities.

phshy reserves the right to refuse account registration, suspend an existing account, or void any transaction where it has reasonable grounds to believe that any of the above representations are false or have become false after the date of registration.

To be eligible to create and maintain a phshy account, a User must satisfy all of the following criteria at the time of registration and on a continuing basis throughout their use of the platform:

• Be at least 21 years of age;
• Be a natural person (corporate entities may not register individual gaming accounts);
• Not currently be subject to a self-exclusion order through phshy or any other gaming platform recognized by PAGCOR;
• Not have had a previous phshy account permanently suspended or terminated for cause;
• Be accessing the platform from a jurisdiction where online gaming is not legally prohibited;
• Possess a valid Philippine government-issued identification document capable of verifying age and identity for KYC purposes.

phshy reserves the right to request proof of age at any time. Where a Player is found to have misrepresented their age, phshy shall immediately suspend the relevant account, void all gaming activity conducted through it, and forfeit any balance remaining in the account. phshy may report the incident to PAGCOR and other regulatory authorities as required by applicable law.

Only one (1) account per person is permitted on the phshy platform. The creation of multiple accounts by a single individual — regardless of whether different personal details, email addresses, or payment methods are used — constitutes a material breach of these Terms and will result in immediate account suspension and forfeiture of all balances.

To access phshy's real-money gaming services, you must complete the account registration process and pass phshy's KYC identity verification procedure. The registration process requires the provision of accurate personal information including full legal name, date of birth, residential address, nationality, email address, and Philippine mobile number.

phshy is obligated under Philippine anti-money laundering regulations (Republic Act No. 9160, as amended) and PAGCOR compliance requirements to conduct identity verification on all account holders. KYC verification requires the submission of:

• A valid, unexpired Philippine government-issued photo identification (PhilSys National ID, passport, driver's license, SSS ID, GSIS ID, UMID, PRC ID, or Voter's ID);
• Proof of ownership of the payment method used for the first deposit (e.g., GCash account screenshot showing name and registered number; bank account statement or passbook for BPI, BDO, or Metrobank deposits);
• Additional documentation as may be requested by phshy's compliance team, including but not limited to proof of residential address (utility bill, barangay clearance, or bank statement dated within three months) and source of funds declaration for accounts with high transaction volumes.

Until KYC verification is completed, withdrawals from a phshy account are disabled. Deposits may be accepted on an unverified account up to phshy's specified pre-verification threshold, after which further deposits and all gaming activity will be suspended pending completion of KYC. phshy reserves the right to reverse deposits to their source payment method if KYC is not completed within the specified time frame.

phshy will not share your KYC documentation with any third party except as required by applicable Philippine law, by PAGCOR regulatory obligation, or by valid legal process. For full details on how phshy handles your personal data, please refer to the phshy Privacy Policy.

You are solely responsible for maintaining the confidentiality and security of your phshy account login credentials, including your password and any two-factor authentication (2FA) codes. phshy will never ask you for your password through any communication channel, including live chat, email, or telephone.

You agree to:

• Select a strong, unique password for your phshy account that is not used for any other platform or service;
• Enable two-factor authentication (2FA) as an additional security layer on your phshy account;
• Log out of your account when accessing phshy from a device that is not exclusively under your control;
• Notify phshy's support team immediately if you have reason to believe your account credentials have been compromised, accessed by an unauthorized party, or if you observe any suspicious activity in your account history;
• Not share your phshy account credentials with any third party under any circumstances.

phshy shall not be liable for any losses, damages, or gaming activity arising from unauthorized account access resulting from a Player's failure to maintain adequate credential security, except where such unauthorized access is directly attributable to a security breach within phshy's own systems.

phshy reserves the right to temporarily lock an account where unusual activity is detected, pending investigation and identity re-verification. During any security investigation, deposits and withdrawals may be suspended. phshy will communicate with the account holder through their registered email address to facilitate resolution.

phshy accepts deposits via the following Philippine payment methods: GCash, PayMaya, Bank of the Philippine Islands (BPI), Banco de Oro (BDO), Metrobank, and over-the-counter (OTC) banking remittance services. All transactions are denominated in Philippine Peso (PHP).

Deposits are subject to the following conditions:

• Minimum deposit amounts vary by payment method and are displayed at the point of transaction;
• Deposits are credited to the phshy wallet upon confirmed receipt by phshy's payment processor — GCash deposits typically clear within 60 seconds; bank transfers may take up to 30 minutes during business hours;
• phshy does not charge deposit fees; however, third-party payment providers may apply their own transaction charges;
• All deposits must originate from a payment method registered in the Player's own name — third-party deposits are strictly prohibited and will be reversed upon detection.

Withdrawals are subject to the following conditions:

• Withdrawals are only available to accounts that have completed KYC verification;
• Withdrawals must be directed to the same payment method used for the Player's most recent deposit, or to a verified payment method registered in the Player's name;
• Minimum withdrawal amounts are displayed in the account withdrawal section;
• GCash withdrawal requests submitted by 10:00 PM PHT on a given day are typically processed within 30 minutes; bank transfer withdrawals are processed within 1–3 business days;
• phshy reserves the right to request additional documentation — including source of funds declarations — before processing withdrawal requests that exceed specified thresholds, or where AML screening flags a transaction for review;
• Bonus Funds that have not yet met applicable Wagering Requirements are not eligible for withdrawal. Only real-money balance and wagering-complete bonus winnings may be withdrawn.

phshy offers various promotional incentives to registered Players, including but not limited to deposit match bonuses, cashback credits, free spins, reload bonuses, and tournament prize pools. All phshy promotions are subject to the following general terms in addition to any specific terms attached to the individual offer:

• Promotional offers are available only to eligible Players who meet the specific criteria stated in the offer — including minimum deposit requirements, eligible game categories, and applicable time windows;
• A Wagering Requirement applies to all Bonus Funds unless a specific promotion explicitly states otherwise. The applicable Wagering Requirement multiplier and eligible contributing games are specified in each promotion's individual terms;
• Bonus Funds are credited to a separate bonus balance and are used after real-money balance is depleted, unless a specific promotion specifies otherwise;
• Winnings generated from Bonus Fund wagers become eligible for withdrawal only after the full Wagering Requirement has been satisfied;
• Only one active bonus may be held at a time unless phshy explicitly permits the stacking of specific offers — attempting to claim multiple simultaneous bonuses without authorization constitutes a breach of these Terms;
• phshy reserves the right to modify, suspend, or discontinue any promotional offer at any time, with notice to affected Players provided through the platform or by email where reasonably practicable;
• Any attempt to abuse phshy's bonus system — including through the creation of multiple accounts, coordinated betting with other Players to guarantee outcomes, or the systematic exploitation of promotional mechanics — will result in immediate forfeiture of all bonus balances and may result in permanent account suspension;
• Bonus offers are for personal use only and may not be transferred between Players or accounts.

All games available on the phshy platform operate according to the published rules of the respective game or game category. Players are responsible for familiarizing themselves with the rules, payout structures, and Return to Player (RTP) percentages of any game before wagering real money.

phshy sources its gaming content exclusively from licensed and independently certified providers. Random Number Generator (RNG) mechanisms used in virtual casino games and slot titles are tested and certified by independent testing laboratories. Live dealer games are operated from licensed studio facilities and are subject to the oversight of the relevant studio provider's regulatory authority.

In the event of a technical failure, disconnection, or system error during a gaming session, phshy's policy is as follows:

• For live dealer games: if a round is interrupted before a result is determined, the round shall be voided and the Player's wager shall be returned to their account balance;
• For slot games: if a spin is interrupted mid-process, phshy's game server logs shall be used to determine the outcome, which shall be applied to the Player's account upon reconnection;
• For sports bets: settled bets are final; unsettled bets disrupted by platform error will be assessed individually based on server-side betting record logs;
• phshy's decision on any technical disruption matter, made after review of server logs and provider records, is final and binding subject to the dispute resolution process in Section 13.

phshy prohibits the use of automated betting software, bots, artificial intelligence systems, or any other software or hardware designed to gain an unfair advantage over other Players or over the house. Detection of such usage will result in immediate account suspension and forfeiture of all balances.

phshy provides the following responsible gaming tools, accessible from every Player's account settings:

• Deposit Limits: Players may set daily, weekly, or monthly deposit caps. Limit reductions take effect immediately; limit increases are subject to a mandatory 24-hour cooling-off period;
• Loss Limits: Players may set maximum net loss thresholds over a defined period;
• Session Time Reminders: Configurable notifications that alert Players when they have been gaming for a specified continuous period;
• Reality Check: Pop-up notifications displayed at regular intervals showing total session duration and net gaming result;
• Temporary Self-Exclusion: Players may voluntarily exclude themselves from the platform for periods ranging from 24 hours to 90 days;
• Permanent Self-Exclusion: Players who wish to permanently close their phshy account and be blocked from re-registering may request permanent self-exclusion from the support team. This action is irreversible.

Players who self-exclude from phshy may also seek registration with relevant national self-exclusion schemes. phshy cooperates with PAGCOR's responsible gaming programs and will honor exclusion orders issued through official PAGCOR channels.

phshy reserves the right to initiate responsible gaming interventions — including imposing account-level deposit limits, requesting Player welfare checks, or escalating concerns to a responsible gaming specialist — where the platform's monitoring systems identify patterns of play that are consistent with problem gambling behavior.

The following conduct is strictly prohibited on the phshy platform and constitutes a material breach of these Terms. phshy reserves the right to immediately suspend an account, void all associated transactions, and forfeit any balance where any of the following is detected:

• Registering more than one account or colluding with another Player to share accounts;
• Providing false, inaccurate, or misleading information during registration or KYC;
• Using the platform while under the age of 21;
• Using the platform from a Prohibited Jurisdiction;
• Attempting to use a VPN, proxy, or IP-masking service to circumvent geographic access restrictions;
• Depositing funds derived from illegal activity, or using the platform to facilitate money laundering or any other financial crime;
• Using the phshy platform for any commercial purpose, including operating as an agent or intermediary for other players;
• Systematically exploiting any game bug, software error, mathematical vulnerability, or promotional loophole for financial gain;
• Using automated software, bots, or any tool that mechanizes betting activity;
• Engaging in collusion with other Players to fix outcomes, manipulate leaderboard results, or coordinate bonus abuse schemes;
• Threatening, harassing, or abusing phshy staff or other Players through any communication channel.

All intellectual property rights in the phshy platform — including but not limited to the phshy brand name and logo, website design and layout, software architecture, game interfaces, promotional materials, written content, and graphical assets — are owned by or licensed to phshy and are protected under applicable Philippine intellectual property law and international copyright conventions.

Users are granted a limited, non-exclusive, non-transferable, revocable license to access and use the phshy platform solely for personal, non-commercial entertainment purposes in accordance with these Terms. This license does not include the right to reproduce, distribute, publicly display, modify, create derivative works from, reverse engineer, or commercially exploit any element of the phshy platform or its content without express prior written consent from phshy.

Game content made available through the phshy platform is the intellectual property of the respective game providers and is licensed to phshy for display on the platform. Players may not capture, stream, broadcast, or reproduce game content without written authorization from the relevant game provider.

To the maximum extent permitted by applicable Philippine law, phshy shall not be liable to any Player for any indirect, incidental, special, consequential, or punitive damages arising from or related to the use of the phshy platform, including but not limited to:

• Loss of gaming session funds due to network interruption, device failure, or loss of internet connectivity on the Player's side;
• Loss of data, game session states, or account preferences due to technical maintenance, system updates, or unforeseen platform outages;
• Delays in deposit crediting or withdrawal processing attributable to third-party payment processors, including GCash, PayMaya, BPI, BDO, or Metrobank;
• Any financial losses arising from a Player's voluntary gaming decisions;
• Unauthorized account access resulting from the Player's failure to maintain adequate credential security, as detailed in Section 5.

phshy's total aggregate liability to any individual Player in connection with these Terms, whether in contract, tort, or otherwise, shall not exceed the total amount deposited by that Player in the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms shall operate to limit phshy's liability for fraud, for death or personal injury caused by phshy's negligence, or for any other liability that cannot lawfully be excluded or limited under Philippine law.

phshy is committed to resolving Player disputes fairly, promptly, and transparently. If you have a dispute relating to any aspect of your phshy account or gaming activity, please follow this escalation process:

1. Step 1 — Contact Support: Raise the dispute with phshy's customer support team via live chat or by email to [email protected]. Provide your account username, the date and time of the disputed event, the game or transaction involved, and a clear description of your complaint. phshy's support team will acknowledge your complaint within 24 hours.
2. Step 2 — Formal Review: If the initial support response does not resolve your complaint, you may request escalation to phshy's compliance and dispute resolution team. A formal written response will be issued within seven (7) business days of escalation.
3. Step 3 — Regulatory Escalation: If you are not satisfied with phshy's final position following the formal review, you may refer your complaint to PAGCOR through its official player dispute channels. phshy will cooperate fully with any PAGCOR-initiated investigation or mediation process.

All disputed betting outcomes shall be assessed by reference to phshy's server-side transaction logs, which constitute the definitive record of platform activity. In cases of conflict between a Player's local device display and phshy's server records, the server records shall prevail.

phshy reserves the right to amend, update, or replace these Terms and Conditions at any time. Material amendments — defined as changes that substantively affect Player rights, Withdrawal processes, Bonus terms, or eligibility criteria — will be communicated to registered Players by email to their registered address and by a prominent notice on the phshy platform no less than seven (7) days before the amended Terms take effect.

Non-material amendments, including clarifications, typographical corrections, and formatting changes that do not affect Player rights, may be made without prior notice and will be noted by updating the "Last Updated" date at the top of these Terms.

Your continued use of the phshy platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with the amended Terms, you must cease using the phshy platform and may request account closure and withdrawal of your available balance by contacting phshy's support team.

These Terms and Conditions, and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

The parties irrevocably agree that the courts of the Philippines shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms. For disputes subject to regulatory jurisdiction, PAGCOR's dispute resolution procedures shall apply as described in Section 13.

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms, without affecting the validity and enforceability of the remaining provisions.

For any queries, complaints, or communications relating to these Terms and Conditions, Players may contact phshy through the following channels:

• Live Chat: Available 24/7 directly on the phshy platform — response time under 2 minutes
• Email: [email protected] (plain text only — not a clickable link) — response within 24 hours

When contacting phshy regarding a specific account issue, please include your registered username, the email address associated with your account, and a clear description of your query. Do not include your account password in any correspondence with phshy.

These Terms and Conditions were last reviewed and updated on 1 January 2026 and supersede all prior versions published on the phshy platform.