panolo Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "you," or "your") and panolo ("panolo," "we," "us," or "our"), the operator of the online gaming and sports betting platform accessible at panolo.org and all associated subdomains, applications, and services (collectively, the "Platform").

By completing the registration process, clicking "I Agree," accessing your panolo account, making a deposit, placing a bet, or otherwise using any part of the Platform, you confirm that you have read, understood, and unconditionally agreed to be bound by these Terms, as well as all policies and rules incorporated herein by reference, including but not limited to the panolo Privacy Policy, the Responsible Gaming Policy, and any game-specific rules published on the Platform.

If you do not agree to any part of these Terms, you must immediately cease using the Platform and close your panolo account by contacting our support team.

To register for and use a panolo account, you must satisfy all of the following eligibility criteria at all times during the use of the Platform:

• You must be at least twenty-one (21) years of age, as required under Philippine law and applicable PAGCOR regulations governing online gambling. This age minimum is strictly enforced. Evidence of age may be requested at any time.
• You must be a natural person with legal capacity to enter into binding contracts under Philippine law.
• You must be physically located in a jurisdiction where accessing online gambling services is lawful at the time of each use of the Platform. It is your sole responsibility to determine whether your access and use of the Platform is lawful in your jurisdiction.
• You must not be a current employee, director, officer, contractor, or agent of panolo, nor an immediate family member of any such person, without prior written consent from panolo management.
• You must not be subject to a self-exclusion order or voluntary exclusion arrangement with panolo or any related gaming operator.
• You must not have had a previous panolo account terminated for breach of these Terms.

panolo reserves the right to request documentary verification of any eligibility criterion at any time, including but not limited to government-issued identification (such as a Philippine National ID, passport, or driver's licence), proof of address, and proof of payment method ownership. Failure to provide satisfactory verification within a reasonable period may result in account suspension or closure.

To access real-money features of the panolo Platform, you must register an account by providing accurate, complete, and current information as requested in the registration form. This includes, at minimum, your Philippine mobile number, a valid email address (where applicable), your full legal name, date of birth, and a secure password of your choosing.

You may maintain only one (1) active panolo account. The registration or use of multiple accounts — whether under the same or different identities — is strictly prohibited. panolo employs automated and manual processes to detect duplicate accounts. Where duplicate accounts are identified, panolo reserves the right to close all related accounts, void all associated bets and bonuses, and retain any funds in those accounts in accordance with its duplicate account policy.

By registering, you represent and warrant that all information you provide is truthful, accurate, and not misleading. You agree to promptly update your account information if any details change. panolo is not responsible for any losses or complications arising from inaccurate information provided during or after registration.

A one-time PIN (OTP) will be sent to your registered Philippine mobile number to verify your identity at registration. Access to real-money features is contingent upon successful OTP verification. Additional Know Your Customer (KYC) verification may be required prior to processing your first withdrawal or as otherwise required by panolo's compliance procedures.

You are solely responsible for maintaining the confidentiality of your panolo account credentials, including your username, password, OTP codes, and any two-factor authentication details. You agree not to share your login credentials with any third party under any circumstances.

You must notify panolo's support team immediately upon becoming aware, or having reasonable grounds to suspect, that your account credentials have been compromised, that your account has been accessed without your authorisation, or that any fraudulent or suspicious activity has occurred in your account.

panolo will not be liable for any loss or damage arising from your failure to protect your account credentials, including losses arising from unauthorised access to your account caused by your negligence, the use of an insecure device, or your failure to log out from a shared or public device.

All transactions on the panolo Platform are denominated in Philippine Pesos (PHP). panolo supports deposits and withdrawals via the following payment channels: GCash, PayMaya, BPI Online Banking, BDO, Metrobank, Visa, and Mastercard. Availability of specific payment methods may vary and is subject to change.

The minimum deposit amount is ₱100 (one hundred Philippine Pesos). The minimum withdrawal amount is ₱200 (two hundred Philippine Pesos). Maximum deposit and withdrawal limits may apply and will be communicated in the relevant section of your panolo account.

GCash and PayMaya deposits are credited to your panolo wallet in real time. Bank transfer deposits are subject to standard banking processing times. panolo does not charge fees for standard deposits; however, your payment provider may impose their own transaction fees, for which panolo is not responsible.

Withdrawals are processed subject to the completion of KYC verification. First-time withdrawal requests require identity verification before processing. panolo targets e-wallet withdrawal processing times of five to thirty minutes for verified accounts; bank transfer withdrawals may take up to one business day. These timelines are indicative and not guaranteed.

panolo reserves the right to withhold or delay withdrawal processing pending verification of player identity, payment method ownership, bonus wagering compliance, or where there are reasonable grounds to suspect fraudulent activity or a breach of these Terms.

• Deposits must be made from payment methods registered in your own name. Third-party deposits are not permitted.
• Withdrawals will be processed to the same payment method used for the most recent deposit, where technically possible.
• panolo reserves the right to request additional documentation before processing any withdrawal.
• Funds deposited but not wagered may be returned net of any applicable payment processing costs at panolo's discretion.

panolo offers various bonuses and promotional offers from time to time, including but not limited to welcome bonuses, deposit match bonuses, free spins, reload bonuses, cashback offers, and VIP rewards. All such offers are subject to specific terms that will be communicated at the time of the offer and are incorporated into these Terms by reference.

Unless explicitly stated otherwise in the specific promotion's terms, the following general bonus conditions apply to all panolo bonuses:

• Bonus funds are subject to wagering requirements before they may be withdrawn. Wagering requirements will be stated clearly in the specific promotion's terms.
• Where a player holds both real-money funds and bonus funds, real-money funds will generally be wagered first, unless the bonus terms specify otherwise.
• Bonuses are issued for entertainment and promotional purposes only and confer no right to withdraw the bonus amount itself until applicable wagering requirements are met.
• panolo reserves the right to withdraw a bonus offer at any time before it has been accepted by a player.
• Bonuses may not be transferred, exchanged for cash, or combined with other offers unless explicitly permitted.
• panolo reserves the right to void any bonus and any winnings derived therefrom where a player has abused the bonus system, employed prohibited strategies, or opened multiple accounts to claim the same offer.

All games available on the panolo Platform are governed by individual game rules accessible within each game interface. By participating in any game, you acknowledge that you have read and understood the applicable game rules.

panolo employs certified Random Number Generator (RNG) technology for all software-based games. Live dealer games are conducted by human dealers in real-time studio environments. panolo warrants that its games are operated fairly and in accordance with the stated rules and published Return to Player (RTP) percentages.

In the event of a dispute regarding the outcome of a game, the records maintained in panolo's systems shall be the definitive record of the outcome. panolo's game server logs take precedence over any information displayed on a player's device in the event of a discrepancy caused by communication errors, display bugs, or device-side issues.

panolo reserves the right to void any bet or game outcome where: (a) a game has been played using a method not authorised by panolo; (b) a software malfunction or technical error has affected the game outcome; (c) a bet was placed after the official closing of a betting market; or (d) there is evidence of collusion, abuse, or fraud.

The following conduct is strictly prohibited on the panolo Platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of balances, and where applicable, reporting to relevant authorities:

• Registering or using the Platform if you are under 21 years of age or otherwise ineligible under these Terms.
• Registering more than one panolo account, whether under your own name or any other identity.
• Providing false, inaccurate, or misleading information at any point during registration or verification.
• Using the Platform for any unlawful purpose, including but not limited to money laundering, fraud, or the financing of illegal activities.
• Using automated bots, scripts, or software to interact with the Platform, including to place bets, collect data, or exploit game mechanics.
• Exploiting software bugs, errors, or vulnerabilities in the Platform to gain an unfair advantage. Players who discover a bug are required to report it to panolo support and must not exploit it.
• Engaging in collusion with other players, panolo employees, or third parties to gain an unfair advantage in any game.
• Abusing the bonus system, including through arbitrage betting, bonus exploitation strategies, or the use of multiple accounts to claim the same offer.
• Attempting to circumvent a self-exclusion by registering a new account or using another person's account.
• Engaging in any conduct that, in panolo's reasonable opinion, is harmful to the integrity of the Platform or to other players.

panolo is committed to promoting safe, responsible, and controlled participation in gambling. We recognise that gambling, while a legitimate form of entertainment for the majority of players, can become harmful for some individuals. panolo provides the following responsible gaming tools, accessible through your account settings:

• Deposit Limits: Set daily, weekly, or monthly deposit limits to control your spending. Limits can be reduced immediately; increases take effect after a mandatory 48-hour cooling-off period.
• Session Time Reminders: Set alerts that notify you when you have been logged in to panolo for a defined duration.
• Reality Checks: On-screen notifications showing time elapsed and net wagering activity during your session.
• Self-Exclusion: Voluntarily exclude yourself from the panolo Platform for a defined period (minimum 6 months) or on a permanent basis. Self-exclusion requests are irrevocable for the stated duration. Players under self-exclusion must not attempt to register new accounts.
• Account Closure: Request permanent closure of your panolo account at any time by contacting support.

If you believe that gambling is negatively affecting your life or the life of someone you know, we encourage you to seek professional support. Players experiencing problem gambling are encouraged to contact the relevant support organisations in the Philippines and to make use of panolo's self-exclusion tools immediately.

All content on the panolo Platform — including but not limited to the panolo brand name and logo, website design and layout, game graphics and audio, software, text, images, icons, and data — is the exclusive property of panolo or its licensors and is protected by applicable intellectual property laws, including copyright, trademark, and trade secret protections.

panolo grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial entertainment purposes in accordance with these Terms. This licence does not grant you any right to:

• Copy, reproduce, distribute, or publicly display any content from the Platform without panolo's prior written consent.
• Modify, adapt, translate, reverse-engineer, decompile, or disassemble any part of the Platform or its underlying software.
• Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices on the Platform.
• Use the panolo brand name, logo, or any other panolo trade mark in any manner without prior written approval.

To the maximum extent permitted by applicable law, panolo, its directors, officers, employees, agents, licensors, and service providers shall not be liable to you for any:

• Indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill;
• Losses arising from the use of, or inability to use, the Platform or any game thereon;
• Losses arising from unauthorised access to your account due to your failure to maintain the security of your credentials;
• Losses arising from network failures, service interruptions, or technical malfunctions that are outside panolo's reasonable control;
• Losses arising from decisions you make based on information available on the Platform, including odds, game statistics, or promotional material.

panolo's total aggregate liability to you for any cause of action shall not exceed the amount deposited by you to your panolo account in the thirty (30) days immediately preceding the event giving rise to the claim.

Nothing in these Terms shall limit panolo's liability for: (a) death or personal injury caused by panolo's negligence; (b) fraud or fraudulent misrepresentation by panolo; or (c) any other liability that cannot be excluded or limited under applicable Philippine law.

panolo reserves the right to suspend, restrict, or terminate your account and your access to the Platform at any time, with or without notice, for any of the following reasons:

• Breach of any provision of these Terms;
• Failure to complete identity or payment verification within a reasonable timeframe;
• Suspected fraudulent activity, money laundering, or other illegal conduct;
• Engaging in any prohibited conduct as described in Section 8;
• Requests or orders from regulatory, law enforcement, or government authorities;
• Identification of the account as a duplicate;
• Account inactivity for a period of twelve (12) consecutive months or more.

Where panolo suspends or terminates your account for cause (i.e., due to a breach of these Terms or suspected illegal activity), panolo reserves the right to withhold the balance in your account pending investigation. Where funds are determined to be the proceeds of fraud, bonus abuse, or other prohibited conduct, those funds may be forfeited.

You may close your panolo account at any time by contacting our support team. Legitimate balances remaining in a closed account will be returned to you via your registered withdrawal method within a reasonable processing period, subject to verification.

panolo reserves the right to amend, update, or replace these Terms at any time. The most current version of these Terms will always be accessible at panolo.org/terms-conditions and will display the effective date of the most recent revision.

Where a material change is made to these Terms, panolo will use reasonable efforts to notify active players via their registered contact information (e.g., email or SMS to the mobile number registered with their panolo account). Your continued use of the Platform after any amendment takes effect constitutes your acceptance of the revised Terms.

If you do not agree with any revised Terms, you must stop using the Platform and close your panolo account before the effective date of the revision.

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of laws provisions.

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the panolo Platform, the parties agree to first attempt to resolve the matter through good-faith negotiation by contacting panolo's customer support team.

If the dispute cannot be resolved through negotiation within thirty (30) days of written notice by either party, the dispute shall be submitted to the exclusive jurisdiction of the competent courts of the Philippines.

Nothing in this clause shall prevent panolo from seeking injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or to prevent imminent harm to the Platform or its users.

If you have any questions, concerns, or complaints regarding these Terms or your panolo account, please contact our support team through the following channels:

• Live Chat: Available 24/7 directly through your logged-in panolo account dashboard. This is the fastest way to reach our Filipino-speaking support team.
• Email: [email protected] (plain text — not a clickable link). Response time is typically within 24 hours for non-urgent matters.
• Platform: panolo.org — all support options are accessible through your account once you complete the panolo Login.

For responsible gaming enquiries, self-exclusion requests, or account closure requests, please clearly state the nature of your request when contacting support so that it can be escalated to the appropriate team without delay.