phjoy28 Terms & Conditions

By accessing, browsing, or using the phjoy28 website located at https://phjoy28.net (the "Platform"), or by registering a player account, you ("Player," "User," or "you") acknowledge that you have read, understood, and agree to be legally bound by these Terms & Conditions ("Terms"), together with the phjoy28 Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

These Terms apply to all users of the phjoy28 Platform, including registered players, visitors, and any other persons who access or use any part of the Platform. If you are accessing phjoy28 on behalf of another person or entity, you represent and warrant that you have the authority to bind that person or entity to these Terms.

phjoy28 reserves the right to update, modify, or replace any part of these Terms at any time. Continued use of the Platform following the posting of any changes constitutes acceptance of those changes. It is your responsibility to review these Terms periodically.

To register and use the phjoy28 Platform, you must satisfy all of the following eligibility requirements:

• You must be at least 21 years of age, in accordance with applicable Philippine gaming regulations governing casino-style gambling activities.
• You must be a natural person with full legal capacity to enter into binding contracts under Philippine law.
• You must not be a resident of, or accessing the Platform from, any jurisdiction where online gambling is prohibited by applicable law.
• You must not be a current employee, contractor, director, or officer of phjoy28, nor an immediate family member of any such person.
• You must not have been previously excluded or banned from the phjoy28 Platform for any reason.

phjoy28 employs age verification procedures at the point of registration and may conduct additional verification checks at any time. You agree to provide accurate, current, and complete information during the verification process and to update such information as necessary to keep it accurate.

Each eligible person may register only one (1) phjoy28 account. The creation of multiple accounts by the same individual is strictly prohibited and may result in the suspension of all associated accounts and the forfeiture of any balances therein.

When registering your phjoy28 account, you agree to:

• Provide truthful, accurate, and complete registration information, including your full legal name, date of birth, valid Philippine mobile number, and any other information requested.
• Maintain the confidentiality of your account credentials, including your username and password.
• Notify phjoy28 immediately at [email protected] if you suspect any unauthorized access to or use of your account.
• Accept full responsibility for all activities that occur under your account, whether or not authorized by you.
• Not share, transfer, sell, or otherwise allow any third party to access or use your phjoy28 account.

phjoy28 reserves the right to refuse registration, suspend, or terminate any account at its sole discretion, including where phjoy28 has reason to believe that the information provided is inaccurate, incomplete, or fraudulent.

phjoy28 supports deposits and withdrawals through the following payment methods available to Philippine-based players: GCash, PayMaya, BPI, BDO, and Metrobank. Additional payment methods may be made available from time to time at phjoy28's discretion.

Deposits:

• The minimum deposit amount is ₱50. Maximum deposit limits may apply and will be displayed at the time of transaction.
• Deposits are credited to your phjoy28 wallet upon successful confirmation from the payment provider. phjoy28 is not responsible for delays caused by third-party payment processors, network outages, or banking system delays.
• All deposits must originate from a payment account registered in your own name. Third-party deposits are strictly prohibited.

Withdrawals:

• The minimum withdrawal amount is ₱100. Withdrawal requests are processed within the timeframes specified on the Platform, subject to completion of identity verification.
• phjoy28 reserves the right to request supporting documentation before processing any withdrawal, including but not limited to government-issued identification, proof of payment method ownership, and source of funds documentation.
• Withdrawals will only be made to a payment account registered in the same name as the phjoy28 account. phjoy28 will not process withdrawals to third-party accounts under any circumstances.
• Any applicable transaction fees charged by payment providers are the sole responsibility of the Player.

phjoy28 may offer bonuses, free credits, cashback rewards, and other promotional incentives to eligible players from time to time. All bonuses and promotions are subject to the following general conditions, as well as any specific terms communicated at the time the promotion is offered:

• Bonuses are available to registered phjoy28 players who meet the eligibility criteria specified for each promotion.
• Each bonus offer is subject to a wagering requirement, which must be fulfilled before any bonus-derived winnings may be withdrawn. The applicable wagering requirement will be stated clearly in the promotion details.
• phjoy28 reserves the right to modify, suspend, or withdraw any bonus or promotion at any time without prior notice.
• Bonuses may not be transferred, exchanged for cash, or combined with other offers unless explicitly stated otherwise.
• Any attempt to abuse, exploit, or manipulate bonus terms — including through the use of multiple accounts, coordinated betting strategies, or other fraudulent means — will result in the forfeiture of the bonus and any associated winnings, and may result in account suspension.
• phjoy28's decision on all bonus-related matters is final and binding.

All games available on the phjoy28 Platform — including Astar Live, Mines, Color Game, Captain Fisher, Dreams of Macao, Keno, and the Jackpot system — operate using certified Random Number Generator (RNG) technology or live dealer systems, as applicable. Game outcomes are determined independently and cannot be influenced by phjoy28 or any player.

• Each game on phjoy28 has its own specific rules, which are accessible within the game interface. Players are responsible for reading and understanding the rules of each game before placing bets.
• In the event of a discrepancy between the result displayed on a player's device and the result recorded on phjoy28's servers, the server-side record shall be deemed authoritative and final.
• phjoy28 reserves the right to void any bet or game round where a technical malfunction, software error, or data corruption is identified. In such cases, the affected stake will be returned to the player's account.
• Jackpot prizes are subject to the specific terms of the applicable Jackpot promotion. phjoy28 reserves the right to verify the legitimacy of any Jackpot win before releasing the prize.

phjoy28 is committed to maintaining the integrity of all games on the Platform. Any player found to be using automated software, bots, exploits, or any other method to gain an unfair advantage will have their account immediately suspended and all winnings forfeited.

The following conduct is strictly prohibited on the phjoy28 Platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of funds, and referral to law enforcement authorities where applicable:

• Registering more than one account, or registering on behalf of another person without their explicit consent.
• Providing false, misleading, or fraudulent information during registration or at any other time.
• Using the Platform while under the age of 21.
• Attempting to launder money or use the Platform for any illegal financial activity.
• Using automated software, bots, scripts, or any artificial intelligence tools to interact with the Platform or its games.
• Exploiting software bugs, glitches, or errors for financial gain. Any such gains must be reported to phjoy28 immediately and will be reversed.
• Engaging in collusion, match-fixing, or any form of coordinated cheating with other players.
• Attempting to reverse-engineer, decompile, or otherwise tamper with any part of the phjoy28 Platform.
• Harassing, threatening, or abusing phjoy28 staff or other players through any communication channel.
• Using a VPN, proxy, or other technology to circumvent geographic restrictions or to disguise your true location.

phjoy28 is committed to promoting responsible gaming practices among all players on the Platform. We believe that gaming should remain a form of entertainment and never become a source of financial or personal harm.

phjoy28 provides the following responsible gaming tools, accessible directly from your account settings:

• Deposit Limits: Set daily, weekly, or monthly limits on the amount you can deposit into your phjoy28 account.
• Session Time Reminders: Configure alerts that notify you when you have been playing for a specified period of time.
• Self-Exclusion: Request a temporary or permanent self-exclusion from the phjoy28 Platform. Self-exclusion requests are processed promptly and cannot be reversed during the exclusion period.
• Reality Checks: Receive periodic on-screen notifications displaying your session duration and net gaming activity.

For more information on responsible gaming, please visit the phjoy28 Responsible Gaming page.

All content on the phjoy28 Platform — including but not limited to text, graphics, logos, icons, images, audio clips, game software, and the overall look and feel of the Platform — is the exclusive property of phjoy28 or its licensors and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the phjoy28 Platform solely for your personal, non-commercial entertainment purposes. This license does not include the right to:

• Copy, reproduce, distribute, or publicly display any content from the Platform without prior written consent from phjoy28.
• Modify, adapt, translate, or create derivative works based on any Platform content.
• Use any phjoy28 trademarks, logos, or brand elements in any manner without express written authorization.
• Frame or mirror any portion of the Platform on any other website or application.

Any unauthorized use of phjoy28's intellectual property may result in legal action. All rights not expressly granted in these Terms are reserved by phjoy28.

To the fullest extent permitted by applicable Philippine law, phjoy28, its directors, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform, including but not limited to:

• Loss of winnings, profits, or revenue resulting from technical failures, service interruptions, or Platform downtime.
• Loss or corruption of data, including account information or transaction records.
• Unauthorized access to your account resulting from your failure to maintain the confidentiality of your credentials.
• Any reliance placed on information or content available on the Platform.

phjoy28 does not warrant that the Platform will be available at all times, free from errors, or free from viruses or other harmful components. The Platform is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

In no event shall phjoy28's total aggregate liability to any player exceed the total amount deposited by that player into their phjoy28 account in the thirty (30) days immediately preceding the event giving rise to the claim.

phjoy28 reserves the right to suspend, restrict, or permanently terminate any player account at its sole discretion, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Provision of false, inaccurate, or fraudulent registration information.
• Failure to complete identity or age verification within the required timeframe.
• Engagement in any prohibited conduct as described in Section 7.
• Reasonable suspicion of money laundering, fraud, or other illegal activity.
• Receipt of a self-exclusion request from the account holder.
• Compliance with a legal order, regulatory directive, or law enforcement request.

Upon termination of your account, phjoy28 will return any remaining real-money balance to you via your registered payment method, subject to the completion of any outstanding verification requirements and the deduction of any amounts owed to phjoy28. Bonus balances and bonus-derived winnings will be forfeited upon account termination.

You may also request voluntary account closure at any time by contacting phjoy28 support. Voluntary closure requests will be processed within a reasonable timeframe.

phjoy28 reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, phjoy28 will notify registered players by posting a notice on the Platform and, where practicable, by sending a notification to the email address or mobile number associated with your account.

The updated Terms will take effect on the date specified in the notice. Your continued use of the phjoy28 Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must cease using the Platform and may request account closure as described in Section 11.

It is your responsibility to review these Terms periodically. The "Last Updated" date at the top of this page indicates when the Terms were most recently revised.

These Terms & Conditions 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.

In the event of any dispute, controversy, or claim arising out of or relating to these Terms, your use of the phjoy28 Platform, or any transaction conducted through the Platform, the parties agree to first attempt to resolve the matter through good-faith negotiation. You may initiate this process by contacting phjoy28 support with a written description of your complaint.

If a dispute cannot be resolved through negotiation within thirty (30) days, either party may submit the matter to the appropriate courts of competent jurisdiction in the Philippines. You agree to submit to the personal jurisdiction of such courts for the purpose of litigating any such dispute.

If you have any questions, concerns, or requests relating to these Terms & Conditions, please contact the phjoy28 support team through the following channel:

• Email: [email protected] (plain text — not a clickable link)
• Support Hours: 24 hours a day, 7 days a week
• Response Time: Within 24 hours for general inquiries; within 5 business days for formal complaints

For responsible gaming support, self-exclusion requests, or account restriction queries, please visit the Responsible Gaming page or contact support directly. All responsible gaming requests are treated with the highest priority.

phjoy28 is committed to providing transparent, fair, and responsive service to all players across the Philippines — from Manila and Makati to Cebu, Davao, and Quezon City. We are here to help.