Please read these Terms & Conditions carefully before registering or using any service on phjoim. By accessing the platform, you agree to be bound by these terms in full.
These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "you") and phjoim ("phjoim," "we," "us," or "our"). By creating an account, logging in, or using any feature of the phjoim platform, you confirm that you have read, understood, and agreed to these Terms in their entirety. If you do not agree, you must not use phjoim.
These Terms govern your access to and use of the phjoim website, mobile platform, games, promotions, and all related services (collectively, the "Services"). By accessing phjoim in any manner — whether by browsing, registering, depositing, or placing a bet — you acknowledge that you have read these Terms and agree to comply with them.
phjoim reserves the right to update or modify these Terms at any time. Continued use of the Services following the posting of any changes constitutes your acceptance of those changes. We recommend reviewing these Terms periodically to stay informed of any updates.
To use phjoim, you must satisfy all of the following eligibility requirements:
Age Verification: phjoim conducts Know Your Customer (KYC) verification on all accounts. If you are found to be under 21 years of age, your account will be immediately suspended, all winnings will be forfeited, and any deposits will be returned in accordance with applicable regulations. Providing false information about your age is a serious violation of these Terms.
Each player may hold only one (1) registered account on phjoim. Creating duplicate or multiple accounts is strictly prohibited and may result in permanent suspension of all associated accounts and forfeiture of balances.
When registering, you agree to provide accurate, current, and complete information, including your full legal name, date of birth, residential address, and a valid contact number and email address. You are responsible for maintaining the accuracy of this information and must update it promptly if it changes.
You are solely responsible for maintaining the confidentiality of your account credentials. phjoim will not be liable for any loss or damage arising from unauthorized access to your account resulting from your failure to keep your login details secure. If you suspect unauthorized access, you must notify phjoim immediately at [email protected].
phjoim reserves the right to request identity verification documents at any time, including but not limited to a government-issued ID, proof of address, and proof of payment method ownership. Failure to provide requested documents within a reasonable timeframe may result in account suspension or closure.
All financial transactions on phjoim are conducted in Philippine Peso (PHP / ₱). The minimum deposit amount is ₱200. Deposits made via GCash and PayMaya are typically credited to your phjoim wallet instantly. Bank transfers via BPI, BDO, or Metrobank may take up to twenty-four (24) hours to reflect.
Withdrawals are processed to the same payment method used for the original deposit, subject to verification requirements. phjoim reserves the right to request additional documentation before processing any withdrawal. Standard withdrawal processing times are as follows:
phjoim does not charge fees on standard deposits or withdrawals. However, your payment provider may apply their own transaction fees, for which phjoim bears no responsibility. All transactions are subject to anti-money laundering (AML) checks in compliance with Philippine law.
phjoim offers various bonuses and promotional offers to eligible players. All bonuses are subject to specific terms, including wagering requirements, minimum deposit thresholds, game restrictions, and expiry periods. These specific terms are published alongside each promotion and form part of these Terms.
General bonus rules applicable to all phjoim promotions include:
All games available on phjoim — including slots, live casino, bingo, HRG Live, Ice Hockey betting, and sabong — are governed by individual game rules published within the platform. In the event of any conflict between these Terms and specific game rules, the specific game rules shall prevail with respect to that game.
phjoim uses certified random number generators (RNGs) for all applicable games and works exclusively with licensed game providers. Game outcomes are determined by these systems and are final. phjoim does not manipulate game results in any manner.
In the event of a technical malfunction, disconnection, or system error during gameplay, phjoim will make reasonable efforts to resolve the issue fairly. However, phjoim shall not be liable for losses arising from technical failures beyond its reasonable control. Bets placed during a confirmed system error may be voided at phjoim's discretion.
The following conduct is strictly prohibited on phjoim and may result in immediate account suspension, permanent ban, and forfeiture of all funds:
phjoim is committed to promoting responsible gaming practices. We provide all registered players with access to the following tools through their account settings:
If you believe you or someone you know may have a gambling problem, we strongly encourage you to visit our Responsible Gaming page for resources and support. phjoim operates under PAGCOR's responsible gaming framework and takes its duty of care to players seriously.
All content on the phjoim platform — including but not limited to the phjoim name, logo, website design, game graphics, text, software, and promotional materials — is the exclusive intellectual property of phjoim or its licensed content providers. You are granted a limited, non-exclusive, non-transferable license to access and use the platform for personal, non-commercial gaming purposes only.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any phjoim content without prior written consent from phjoim.
To the maximum extent permitted by applicable Philippine law, phjoim shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Services, including but not limited to loss of profits, loss of data, or loss of goodwill.
phjoim's total aggregate liability to you for any claim arising out of or relating to these Terms or the Services shall not exceed the total amount deposited by you into your phjoim account in the thirty (30) days preceding the event giving rise to the claim.
phjoim does not warrant that the platform will be uninterrupted, error-free, or free of viruses or other harmful components. The Services are provided on an "as is" and "as available" basis.
phjoim collects, processes, and stores personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By using phjoim, you consent to the collection and use of your personal data as described in the Privacy Policy.
phjoim implements industry-standard security measures, including 256-bit SSL encryption, to protect your personal and financial data. However, no method of electronic transmission or storage is completely secure, and phjoim cannot guarantee absolute data security.
phjoim reserves the right to amend these Terms at any time. When material changes are made, phjoim will notify registered players via email or a prominent notice on the platform. The updated Terms will take effect upon posting unless a later effective date is specified.
Your continued use of phjoim 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 by contacting our support team.
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising out of or in connection with these Terms or the Services shall first be submitted to phjoim's internal dispute resolution process by contacting [email protected]. phjoim will endeavor to resolve all disputes within fourteen (14) business days of receipt.
If a dispute cannot be resolved internally, it shall be referred to the appropriate regulatory authority under PAGCOR's framework, or to the competent courts of the Philippines, as applicable.
If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the phjoim support team:
By using phjoim, you confirm that you are at least 21 years of age, that you have read and understood these Terms & Conditions in full, and that you agree to be legally bound by them. Thank you for choosing phjoim as your trusted online gaming platform in the Philippines.
phjoim's core promises that underpin every clause in these Terms.
phjoim operates within the regulatory framework set by PAGCOR, ensuring every aspect of our platform meets Philippine gaming law standards.
All deposits and withdrawals on phjoim are protected by 256-bit SSL encryption and subject to AML compliance checks for your safety.
phjoim enforces 21+ age verification on every account. KYC checks are mandatory and conducted before any withdrawal is processed.
All phjoim games use certified RNG technology and are supplied by licensed providers. Game outcomes are never manipulated.
Every phjoim account includes deposit limits, self-exclusion, and session reminders — because we care about your wellbeing, not just your bets.
Our support team is available around the clock via live chat to help with any questions about your phjoim account, transactions, or these Terms.
Now that you know the rules, join over 500,000 Filipino players who trust phjoim for safe, fair, and exciting online gaming.