23ph Terms & Conditions

The following definitions apply throughout these Terms & Conditions. Where the context so admits, the singular includes the plural and vice versa.

• "23ph" / "the Platform" / "we" / "us" / "our" — refers to 23ph, the PAGCOR-regulated online gaming platform accessible at 23ph.club, and its operating company, employees, officers, agents, and authorised representatives.
• "User" / "Member" / "you" / "your" — refers to any individual who accesses, browses, registers on, or uses any product or service offered by 23ph.
• "Account" — the personal, non-transferable account held by a registered Member on the 23ph platform.
• "Services" — all gaming products, betting markets, promotions, customer support services, and other features made available through the 23ph platform.
• "Funds" / "Balance" — real-money credits deposited by a Member into their 23ph account wallet.
• "Bonus Funds" — promotional credits awarded by 23ph subject to wagering requirements and specific bonus terms.
• "PAGCOR" — the Philippine Amusement and Gaming Corporation, the regulatory body that licenses and supervises 23ph's online gaming operations.
• "KYC" — Know Your Customer verification procedures required under applicable Philippine law and PAGCOR regulations.
• "Prohibited Jurisdiction" — any territory, country, or region from which access to 23ph's services is restricted or prohibited under applicable law.
• "Force Majeure Event" — any circumstance beyond 23ph's reasonable control, including but not limited to natural disasters, government action, power failure, or cyber-attacks.

By accessing the 23ph website or mobile platform, creating an account, making a deposit, placing a bet, or claiming a promotion, you unconditionally accept and agree to be bound by these Terms & Conditions, as amended from time to time.

You further acknowledge that you have read and understood our Privacy Policy and our Responsible Gaming Policy, both of which are incorporated into these Terms & Conditions by reference.

If you access 23ph on behalf of another person or entity, you represent and warrant that you have authority to bind that person or entity to these Terms & Conditions, and that such person or entity also meets all eligibility requirements set out in Section 3.

To register and maintain an active account on 23ph, you must satisfy all of the following eligibility requirements at all times:

• Age: You must be at least 21 years of age. PAGCOR mandates a minimum age of 21 for all participants in licensed online gambling activities in the Philippines. 23ph strictly enforces this requirement and will not knowingly permit persons under 21 to register, deposit, or play.
• Jurisdiction: You must be physically located in and a resident of the Philippines at the time of registration and during gameplay, unless 23ph has explicitly confirmed access from your jurisdiction. It is your sole responsibility to ensure that accessing and using 23ph is lawful in your location.
• Capacity: You must have full legal capacity to enter into a binding agreement under Philippine law.
• Single Account: You may hold only one (1) active account with 23ph. Registration of multiple accounts is strictly prohibited and will result in all accounts being permanently suspended and all balances forfeited.
• Not Previously Excluded: You must not have previously been self-excluded from 23ph or excluded by 23ph's compliance team.
• Not a 23ph Employee: You must not be a current employee, contractor, director, or close associate of 23ph or any of its affiliated entities.

During the registration process and at any subsequent time at 23ph's discretion, you will be required to provide accurate identity documentation and complete KYC verification in accordance with PAGCOR's requirements. Providing false, misleading, or incomplete information during registration or KYC is grounds for immediate account termination and forfeiture of funds.

You are solely responsible for maintaining the confidentiality and security of your 23ph account login credentials, including your username, password, and any two-factor authentication codes. Specifically, you agree to:

• Never share your login credentials with any third party, regardless of their relationship to you.
• Notify 23ph immediately upon becoming aware of any unauthorised access to your account by contacting [email protected] or the live chat service.
• Ensure that your registered email address and Philippine mobile number remain current and accessible, as these are used for account recovery and two-factor authentication.
• Log out of your account at the end of each session, particularly when accessing from shared or public devices.
• Keep your registered contact details, payment method details, and identity documents up to date.

23ph will not be liable for any loss or damage arising from your failure to comply with these security obligations. Transactions completed using valid account credentials will be treated as authorised by the account holder, unless you have notified 23ph of a security breach in advance of those transactions.

Your 23ph account is for your personal use only. You may not sell, transfer, or assign your account or any entitlements arising from it to any third party. Any attempt to do so will render the account liable to immediate suspension.

5.1 Deposits. All deposits to your 23ph account must be made using payment methods approved by 23ph, which currently include GCash, PayMaya, BPI, BDO, Metrobank, Visa, Mastercard, and selected cryptocurrency options. Minimum deposit amounts apply and are displayed at the time of transaction. All funds deposited must originate from payment instruments registered in your own name. Third-party funding is strictly prohibited.

5.2 Withdrawal Processing. Withdrawal requests are subject to KYC verification. Accounts that have not completed full KYC verification may experience delays or restrictions on withdrawals. 23ph reserves the right to request additional documentation before processing any withdrawal.

5.3 Processing Times. Estimated processing times are as follows, subject to verification status and applicable anti-fraud reviews:

• GCash and PayMaya (e-wallets): 5–30 minutes for verified accounts
• BPI, BDO, and Metrobank (bank transfer): 1–3 business days
• Visa and Mastercard: Up to 5 business days, depending on issuing bank
• Cryptocurrency: Subject to network confirmation times

5.4 Currency. All transactions on the 23ph platform are processed in Philippine Peso (PHP / ₱) unless otherwise specified. Exchange rate conversion fees, where applicable, are the responsibility of the Member.

5.5 Anti-Money Laundering. 23ph operates in compliance with Philippine anti-money laundering legislation and PAGCOR's AML framework. 23ph reserves the right to carry out enhanced due diligence on any account, to delay or suspend withdrawals pending investigation, and to report suspicious transactions to the relevant authorities as required by law. You must not use the 23ph platform for any money laundering, financial fraud, or other unlawful financial activity.

6.1 General. All bets and game plays on the 23ph platform are subject to the specific rules applicable to each game or betting market. These game-specific rules are accessible within each game interface or betting market page. In the event of any conflict between game-specific rules and these Terms & Conditions, the game-specific rules will prevail in relation to gameplay, and these Terms & Conditions will prevail in all other respects.

6.2 Bet Acceptance. 23ph reserves the right to refuse, limit, or void any bet placed on the platform at its sole discretion. A bet is only confirmed when you receive an on-screen confirmation with a unique transaction reference number. Bets are void if they are placed in error by the platform, if they are based on manifestly incorrect odds or information, or if they are placed after an event has commenced (unless in-play betting is expressly enabled for that market).

6.3 RNG Certification. All 23ph casino games using random number generators (RNGs) are sourced from certified game providers whose RNG technology has been independently tested and approved. Published return-to-player (RTP) percentages are theoretical long-term averages over millions of game rounds and do not guarantee individual session results.

6.4 Technical Failures. In the event of a technical failure, disconnection, or system error during a gaming session or sporting event, 23ph will attempt to resolve the issue and settle bets fairly based on available data. 23ph's decision on affected bets following a technical failure is final. 23ph will not be held responsible for losses arising from internet connectivity issues on the Member's side.

6.5 Minimum and Maximum Stakes. Minimum and maximum bet limits apply to all games and markets on 23ph. These limits are displayed within each game or market and may be adjusted at 23ph's discretion. VIP accounts may have modified limits as agreed in writing.

23ph offers various bonuses and promotional offers to eligible Members from time to time. All bonuses are subject to specific terms and conditions that are published alongside each promotion. The following general bonus terms apply in addition to any promotion-specific terms:

• Wagering Requirements: Bonus Funds are subject to wagering requirements before they or any associated winnings may be withdrawn. The applicable wagering requirement multiplier is specified in the promotion terms. Unless stated otherwise, only real-money wagering (not Bonus Fund wagering) contributes to meeting wagering requirements for certain promotions.
• Game Contributions: Different game types contribute differently to wagering requirements. Slot games typically contribute 100%. Live casino games may contribute at a reduced rate. Specific contribution percentages are stated in each promotion's terms.
• Eligibility: Bonuses are only available to eligible Members as defined in each promotion. Members who have self-excluded or are identified as problem gamblers are not eligible for bonuses.
• Abuse and Fraud: 23ph reserves the right to void bonuses and any winnings derived from bonuses where it reasonably suspects that a Member or group of Members is abusing the bonus system, engaging in collusive play, or otherwise circumventing the spirit of the promotion.
• Expiry: Bonus Funds that are not used or whose wagering requirements are not met within the stated validity period will expire and be forfeited automatically.
• One Bonus at a Time: Unless explicitly stated otherwise, only one bonus may be active on an account at a time. Claiming a new promotion while an existing bonus is active may result in the forfeiture of the prior bonus.

The following conduct is strictly prohibited on the 23ph platform. Violation of any of these prohibitions may result in immediate account suspension, permanent termination, forfeiture of all funds and pending withdrawals, and may be reported to PAGCOR and other relevant authorities:

• Opening, operating, or colluding with multiple accounts to circumvent limits, claim bonuses fraudulently, or gain an unfair advantage.
• Using automated software, bots, scripts, artificial intelligence tools, or any other technology to gain an unfair advantage over the house or other players.
• Engaging in collusive play with other Members or third parties, including in live dealer, poker, or any multiplayer game format.
• Exploiting software bugs, glitches, or errors in the 23ph platform to gain credits, free plays, or any other benefit not intended by 23ph. Any such exploitation must be reported to 23ph immediately.
• Depositing funds obtained through unlawful activity, credit card fraud, identity theft, or any other form of financial crime.
• Engaging in charge-backs on deposited funds while retaining any portion of winnings derived from those deposits.
• Accessing or attempting to access accounts, systems, or data belonging to other Members or to 23ph without authorisation.
• Using the 23ph platform from a Prohibited Jurisdiction or circumventing geographic restrictions using VPNs, proxies, or other technical means.
• Conducting any activity that constitutes money laundering, terrorist financing, or any other financial crime under Philippine law.
• Harassing, threatening, or abusing 23ph staff, other Members, or live dealers on the platform.

All content on the 23ph platform, including but not limited to its branding, logo, design, user interface, text, graphics, game assets, audio, and software, is the intellectual property of 23ph or its licensors. All rights are reserved.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the 23ph platform solely for your personal, non-commercial gaming and entertainment purposes. This licence does not extend to any reproduction, distribution, modification, publication, or commercial exploitation of any 23ph content without the express prior written consent of 23ph.

Game content is the intellectual property of the respective game studios (e.g., PG Soft, JILI, Pragmatic Play, Evolution Gaming) and is licensed to 23ph for display on the platform. Unauthorised reproduction or distribution of game content is prohibited and may constitute infringement of third-party intellectual property rights.

23ph collects, processes, and retains personal data from Members in accordance with its Privacy Policy, which is incorporated by reference into these Terms & Conditions. By registering an account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Personal data collected by 23ph includes, but is not limited to, identity documents, contact information, financial transaction data, gaming activity logs, and device and IP address information. This data is used to operate your account, comply with PAGCOR's KYC and AML obligations, resolve disputes, and improve the 23ph platform.

23ph will not sell your personal data to third parties. Data may be shared with regulatory authorities, payment processors, game providers, and fraud prevention services only to the extent necessary to provide the Services and comply with legal obligations. All data is stored and processed in accordance with applicable Philippine data protection legislation.

23ph is committed to promoting responsible gambling among all Members. The platform provides a range of responsible gaming tools that all Members are encouraged to use proactively. These tools include:

• Deposit Limits: Set daily, weekly, or monthly deposit limits from your account dashboard. Limits take effect immediately when reduced; increases are subject to a 24-hour cooling-off period.
• Session Time Limits: Set maximum session durations after which you will be automatically logged out.
• Reality Checks: Receive pop-up notifications at configurable intervals during play to remind you of your session duration and net gaming result.
• Wagering Limits: Restrict the total amount you may wager within a defined period.
• Cool-Off Period: Request a temporary account suspension of 24 hours, 7 days, or 30 days. During a cool-off period, you cannot log in, deposit, or place bets.
• Self-Exclusion: Request a minimum 6-month or permanent self-exclusion from 23ph. Self-exclusion requests are processed without delay and cannot be reversed during the exclusion period.

23ph strictly enforces the minimum age requirement of 21 years. Minors must not access or use 23ph. If you believe that a minor may have access to your account or device, please contact support immediately and use the parental control tools available on your device.

For more information on responsible gaming resources available to Filipino players, please visit our Responsible Gaming page.

12.1 Suspension by 23ph. 23ph reserves the right to suspend your account at any time and without prior notice where it has reasonable grounds to believe that:

• You have breached any provision of these Terms & Conditions;
• Your account has been accessed without authorisation or may have been compromised;
• You are under investigation for fraud, money laundering, or any other unlawful activity;
• You have provided false or misleading information during registration or KYC;
• PAGCOR or another competent authority has directed 23ph to suspend the account; or
• Continued operation of the account may cause harm to 23ph, other Members, or third parties.

12.2 Termination by 23ph. Following investigation, a suspended account may be permanently terminated. In cases of confirmed fraud, money laundering, bonus abuse, or serious terms violation, 23ph reserves the right to forfeit the entire account balance. In cases where suspension follows a technical or compliance review and no breach is found, the account will be reinstated with full balance restored.

12.3 Voluntary Closure. You may close your 23ph account at any time by contacting support. Upon closure, all pending withdrawals will be processed in accordance with standard withdrawal procedures, provided KYC is complete and no outstanding investigations are pending. Bonus Funds in your account at the time of closure are not withdrawable and will be forfeited.

To the maximum extent permitted by applicable Philippine law, 23ph's total aggregate liability to any Member arising out of or in connection with these Terms & Conditions or the use of the platform shall not exceed the total amount of funds deposited by that Member into their 23ph account during the twelve (12) months immediately preceding the event giving rise to the claim.

23ph shall not be liable for any of the following, whether arising in contract, tort, statute, or otherwise:

• Loss of profits, revenue, business, data, goodwill, or anticipated savings;
• Indirect, incidental, special, consequential, or punitive damages of any kind;
• Losses arising from internet connectivity issues, device failures, or browser incompatibilities on the Member's side;
• Losses arising from a Force Majeure Event;
• Losses arising from the Member's own breach of these Terms & Conditions or failure to follow 23ph's reasonable instructions.

Nothing in these Terms & Conditions excludes or limits 23ph's liability for death or personal injury caused by its negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under Philippine law.

14.1 Governing Law. These Terms & Conditions and any non-contractual obligations arising in connection with them are governed by and construed in accordance with the laws of the Republic of the Philippines.

14.2 Regulatory Oversight. 23ph is licensed and regulated by PAGCOR. Any complaint relating to the platform's compliance with its PAGCOR licence conditions may be submitted directly to PAGCOR through its official channels.

14.3 Dispute Resolution. In the event of any dispute between you and 23ph arising out of or in connection with your account or the Services, you must first contact 23ph's customer support team at [email protected] with full details of your complaint. 23ph will respond to complaints within five (5) business days. If a complaint is not resolved to your satisfaction through 23ph's internal process, you may escalate the matter to PAGCOR.

14.4 Jurisdiction. For any disputes that proceed to formal legal proceedings, you consent to the exclusive jurisdiction of the courts of the Republic of the Philippines.

23ph reserves the right to amend, supplement, or replace these Terms & Conditions at any time. Reasons for amendments may include, but are not limited to: changes in applicable law or PAGCOR regulation, changes to 23ph's products or services, corrections of errors or ambiguities, or changes in 23ph's business operations.

Where 23ph makes material amendments to these Terms & Conditions, it will provide reasonable notice to registered Members by publishing a notice on the 23ph platform and updating the "Last Updated" date at the top of this document. In some cases, 23ph may also notify Members by SMS or the email address registered on their account.

Your continued use of the 23ph platform following the publication of any amendments constitutes your acceptance of the amended Terms & Conditions. If you do not accept an amendment, you must stop using the platform and close your account before the amendment takes effect. You will not be entitled to withhold any outstanding real-money balance that has been verified and approved for withdrawal.

If you have any questions, concerns, or complaints relating to these Terms & Conditions, please contact 23ph through the following channels:

• Live Chat: Available 24/7 through your 23ph account dashboard — the fastest way to reach the support team for urgent queries.
• Email: [email protected] (plain text only — do not send sensitive financial data by email).
• Address: Manila, Philippines.

23ph's customer support team operates in English and Tagalog, 24 hours a day, 7 days a week, including Philippine public holidays. Response times for email queries are within five (5) business days, though urgent account and payment queries are typically addressed faster via live chat.