playojo Terms & Conditions

1Introduction and Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "you") and playojo ("playojo," "we," "us," or "our"), the operator of the online gaming platform accessible at playojo.bio (the "Platform"). These Terms apply to all users of the Platform, including players accessing the site from any location within the Philippines.

By creating a playojo account, logging in to the Platform, or using any service offered by playojo — including but not limited to casino games, sports betting, bingo, live dealer games, sabong, and any promotions — you confirm that you have read, understood, and agree to be legally bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must not use the playojo Platform.

These Terms are to be read together with the playojo Privacy Policy and Responsible Gaming Policy, both of which form part of the overall agreement between you and playojo. In the event of any conflict between these Terms and any other document, these Terms shall prevail unless expressly stated otherwise.

2Eligibility and Age Restriction

Access to the playojo Platform and all gaming services is strictly restricted to individuals who meet all of the following eligibility requirements:

• You are at least 21 years of age or older. This is a firm requirement under PAGCOR regulations governing online gaming in the Philippines. No exceptions are made.
• You are a natural person and not acting on behalf of another individual for the purpose of circumventing these Terms.
• You are not a resident of any jurisdiction where online gambling is prohibited by law.
• You are not a current employee, contractor, officer, or director of playojo, nor an immediate family member of any such person.
• You have not previously been self-excluded from the Platform or had your account suspended or terminated for a violation of these Terms.
• You are using the Platform solely for personal entertainment purposes and not for any commercial, systematic, or professional wagering operation.

playojo reserves the right to request proof of age, identity, address, and source of funds at any time during the lifecycle of your account. Failure to provide satisfactory documentation within a reasonable timeframe will result in account restriction or closure.

3Account Registration and KYC Verification

Each individual may register only one (1) account on the playojo Platform. The creation of multiple accounts by the same person — whether using different names, email addresses, phone numbers, or payment methods — is strictly prohibited and constitutes a material breach of these Terms. playojo uses automated and manual detection methods to identify duplicate accounts.

3.1 Registration Requirements

When registering a playojo account, you agree to provide accurate, complete, and current information including your legal full name as it appears on your Philippine government-issued identification, a valid mobile number registered in the Philippines, a valid and active email address, your date of birth, and your residential address within the Philippines.

3.2 KYC Document Verification

In compliance with PAGCOR Anti-Money Laundering obligations and Know Your Customer requirements, playojo may request the following documents before processing withdrawals or when triggered by account activity thresholds:

• A valid Philippine government-issued photo ID (SSS, GSIS, PhilSys National ID, Driver's License, Passport, or PRC ID)
• A recent proof of address such as a utility bill, bank statement, or barangay certificate dated within the last three months
• Proof of payment method ownership (e.g., screenshot of registered GCash or Maya account showing your name)
• Source of funds declaration for accounts with cumulative deposits above applicable thresholds

3.3 Account Security

You are solely responsible for maintaining the confidentiality of your playojo login credentials, including your username and password. You must not share your account credentials with any third party. playojo will not be liable for any loss arising from unauthorised access to your account due to your failure to maintain credential security. You agree to notify playojo immediately at [email protected] if you suspect any unauthorised access to or use of your account.

4Deposits and Withdrawals

All financial transactions on the playojo Platform are conducted in Philippine Peso (PHP / ₱). playojo accepts deposits and processes withdrawals via a range of Philippine payment methods including GCash, Maya, GrabPay, QR Ph, BPI, BDO, Metrobank, InstaPay, PesoNet, 7-Eleven CLiQQ, USDT TRC20, and Coins.ph.

4.1 Deposits

• Deposits must be made from a payment method registered in your own name. Third-party deposits are strictly prohibited.
• Minimum and maximum deposit limits per transaction apply and are displayed at the point of deposit within your account.
• GCash and Maya deposits are typically credited to your playojo account balance instantly. Bank transfer deposits via BPI, BDO, or Metrobank may take up to one (1) business day to reflect.
• playojo does not charge processing fees on standard deposits, but your payment provider may apply their own transaction charges independently of playojo.

4.2 Withdrawals

• Withdrawals will only be processed to the same payment method used for your most recent deposit, subject to that method supporting outbound transfers.
• KYC verification must be completed before any withdrawal is processed. Accounts with incomplete verification may have withdrawal requests placed on hold.
• Withdrawal processing times vary by method: GCash and Maya withdrawals are typically processed within 24 hours; bank transfers may take 1–3 business days.
• playojo reserves the right to conduct additional security and fraud checks on withdrawal requests, which may extend processing timelines in exceptional cases.
• Minimum withdrawal amounts apply per method and are displayed in your account settings.

5Bonuses and Promotions

playojo may from time to time offer bonuses, free bets, reload promotions, cashback offers, and other promotional incentives to eligible players. All such offers are subject to these Terms as well as any specific promotion terms and conditions published alongside each offer at the time it is made available.

5.1 General Bonus Rules

• Bonuses are available to players who have a fully verified playojo account in good standing unless otherwise specified in the promotion terms.
• Each promotion may only be claimed once per player, per household, per device, and per IP address unless the promotion terms expressly state otherwise.
• Bonus funds are subject to wagering requirements before they or any winnings derived from them may be withdrawn. Wagering requirements and eligible games are stated on each individual promotion page.
• playojo displays wagering requirements as a straightforward amount in Philippine Peso (₱) rather than multipliers, to ensure full transparency for Filipino players.
• Bonus funds may not be transferred, sold, or gifted to another player account.
• playojo reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice, subject to honouring commitments already made to eligible players who have opted into an active offer.

5.2 Abuse and Exploitation

Any attempt to exploit, abuse, or manipulate the playojo bonus or promotions system — including but not limited to creating multiple accounts to claim offers multiple times, using automated wagering patterns designed to clear bonus requirements with minimal risk, or colluding with other players — constitutes a material breach of these Terms. playojo reserves the right to void all associated bonuses and winnings, suspend the account, and recover any funds withdrawn in connection with abusive bonus activity.

6Gaming Rules and Fair Play

All games offered on the playojo Platform — including slots, live dealer games, bingo, sabong, and sports betting markets — are governed by the specific rules applicable to each game type. By participating in any game on the Platform, you agree to abide by those rules in addition to these Terms.

• Game results are determined by certified random number generators (RNG) for virtual games and by real-time live dealer operations for live casino tables. playojo does not manipulate game outcomes.
• Sports betting markets are settled based on official results from the relevant governing body or sports organisation. In the event of ambiguity, playojo's decision on settlement is final.
• In the event of a technical fault, disconnection, or system error during a game round, playojo will apply the relevant game provider's void-round or partial-round rules. playojo's decision regarding affected rounds is final and binding.
• Any wager placed on the playojo Platform constitutes a binding transaction once confirmed. Wagers cannot be cancelled or amended after confirmation except where expressly permitted by the applicable game rules.
• Minimum and maximum stake limits apply to all game types and are displayed within the game interface or betting slip prior to stake confirmation.

7Prohibited Conduct

The following conduct is strictly prohibited on the playojo Platform. Engaging in any of the actions listed below constitutes a material breach of these Terms and may result in immediate account suspension, permanent ban, forfeiture of balances and winnings, and referral to PAGCOR or relevant Philippine law enforcement authorities where applicable:

• Registering more than one account on the Platform
• Providing false, misleading, or incomplete information during registration or KYC verification
• Using the Platform if you are under 21 years of age
• Using software, bots, scripts, artificial intelligence tools, or other automated means to interact with the Platform or gain an unfair advantage in any game
• Colluding with other players in live dealer games, poker rooms, or any game where player decisions can affect outcomes
• Engaging in money laundering, structuring of deposits or withdrawals, or using the Platform to facilitate any financial crime
• Attempting to hack, reverse-engineer, exploit vulnerabilities in, or interfere with the technical operation of the Platform
• Using a VPN, proxy, or other IP-masking technology to circumvent geographic restrictions or account blocks
• Engaging in abusive, threatening, discriminatory, or harassing behaviour toward playojo staff or other players via any support or chat channel
• Exploiting software errors, display bugs, or pricing discrepancies that are clearly the result of a technical error rather than an intended game outcome

8Responsible Gaming

playojo is committed to promoting responsible gaming across all of its services. We recognise that for a small number of players, gambling can become problematic, and we have built concrete tools into the Platform to help players maintain control of their gaming activity.

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits from within their account settings. Limits take effect immediately when reduced and after a 24-hour cooling period when increased.
• Loss Limits: Players may set maximum loss thresholds per session, day, week, or month. Once a limit is reached, further wagers are blocked until the applicable period resets.
• Session Time Reminders: Players may configure alerts that notify them when they have been logged in for a specified period of continuous play.
• Cooling-Off Periods: Players may request a temporary break from the Platform ranging from 24 hours to 30 days. During a cooling-off period the account is restricted from wagering and from receiving promotional communications.
• Self-Exclusion: Players who wish to take a longer break or permanently stop gambling on the Platform may request self-exclusion. Self-exclusion takes effect within 24 hours of the request being confirmed by playojo support and cannot be reversed for the duration of the exclusion period.

For more detailed information on responsible gaming tools and external support resources, please visit the playojo Responsible Gaming page. Sumugal nang may responsibilidad. Ang sugal ay para sa libangan lamang.

9Intellectual Property

All content on the playojo Platform, including but not limited to the playojo brand name and logo, website design, graphics, text, software, game interfaces, promotional materials, and any other materials made available through the Platform, are the intellectual property of playojo or its licensors and are protected under applicable copyright, trademark, and intellectual property laws.

You are granted 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 include any right to reproduce, distribute, modify, publicly display, create derivative works from, or commercially exploit any content from the Platform without the prior written consent of playojo.

Any unauthorised use of playojo's intellectual property will be considered a breach of these Terms and may be subject to legal action. The playojo name, logo, and branding may not be used in any manner that implies endorsement, sponsorship, or affiliation without explicit written authorisation from playojo.

10Limitation of Liability

To the maximum extent permitted under applicable Philippine law, playojo, its directors, officers, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of, or inability to use, the Platform or any services provided through it.

• playojo does not guarantee uninterrupted or error-free access to the Platform. Scheduled and unscheduled maintenance may result in temporary unavailability.
• playojo is not liable for any losses arising from technical faults, network interruptions, or connectivity issues on your side or on the side of your internet service provider or mobile carrier.
• playojo is not responsible for the actions or decisions of third-party payment providers, including delays in deposit or withdrawal processing caused by GCash, Maya, BPI, BDO, Metrobank, or any other external service.
• Nothing in these Terms excludes or limits playojo's liability for fraud, wilful misconduct, or any liability that cannot be excluded under Philippine law.

The Platform is provided on an "as is" and "as available" basis. playojo makes no warranties, express or implied, regarding the accuracy, completeness, or reliability of any information or content on the Platform beyond what is required under applicable PAGCOR regulations and Philippine consumer protection law.

11Privacy and Data Protection

playojo collects, processes, and stores personal data in accordance with the Republic Act No. 10173, also known as the Data Privacy Act of 2012 of the Philippines, and in compliance with applicable PAGCOR data handling requirements. The full details of how playojo handles your personal information are set out in our Privacy Policy, which forms part of your agreement with playojo.

By registering a playojo account, you consent to the collection and processing of your personal data as described in the Privacy Policy. This includes data collected during registration, KYC verification, financial transactions, and your general use of the Platform. playojo will not sell your personal data to unaffiliated third parties. Data may be shared with regulatory bodies including PAGCOR where required by law.

12Amendments to These Terms

playojo reserves the right to amend, update, or replace these Terms at any time. When material changes are made, playojo will notify registered players via the email address associated with their account and/or by displaying a prominent notice on the Platform, with a minimum of seven (7) days' notice before the changes take effect, except where immediate changes are required to comply with legal or regulatory obligations.

Your continued use of the playojo Platform after the effective date of any amended Terms constitutes your acceptance of the updated Terms. If you do not agree to the amended Terms, you must stop using the Platform and may request account closure by contacting [email protected].

The version of the Terms applicable to any dispute is the version that was in effect at the time the relevant event giving rise to the dispute occurred.

13Governing Law and Dispute Resolution

These Terms and any dispute or claim arising out of or in connection with them, their subject matter, or their formation shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law provisions.

In the event of any dispute arising from the use of the playojo Platform, you agree to first attempt to resolve the matter informally by contacting playojo customer support. playojo will use reasonable efforts to resolve complaints within 14 business days of receiving a formal written complaint submitted to [email protected].

If a dispute cannot be resolved through the informal process described above, both parties agree to submit the matter to the jurisdiction of the appropriate courts of the Philippines. playojo also operates under PAGCOR oversight, and players may raise complaints with PAGCOR through official PAGCOR regulatory channels where a dispute relates to platform fairness, licensing compliance, or regulatory matters.

14Contact and Support

If you have any questions, concerns, or formal complaints regarding these Terms and Conditions or any aspect of your playojo account, please contact our support team:

These Terms and Conditions were last reviewed and updated effective January 1, 2026. playojo is committed to keeping these Terms current, transparent, and aligned with applicable PAGCOR regulations and Philippine law.