Terms & Conditions — 104ph22

Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "Player," or "you") and 104ph22 ("we," "us," "our," or "104ph22") concerning your access to and use of the 104ph22 online gaming platform accessible at https://104ph22.net and any related mobile applications, software, or services (collectively, the "Platform").

By completing the 104ph22 registration process, clicking any "I Agree" checkbox, accessing the Platform, or placing any wager or bet through the Platform, you represent and warrant that you have read, understood, and agree to be bound by these Terms, our Privacy Policy located at /privacy-policy, and all other policies and guidelines published on the Platform, which are incorporated herein by reference.

These Terms apply to all users of the Platform, including registered account holders, visitors, and any person accessing the Platform in any capacity. Your continued use of the Platform after any update to these Terms constitutes acceptance of the revised Terms.

Definitions

For the purposes of these Terms, the following definitions apply:

• "Platform" means the 104ph22 website at https://104ph22.net, all subdomains, associated mobile-optimized sites, and any downloadable application made available by 104ph22.
• "Account" means the registered user account created by a Player on the Platform.
• "Player Funds" means the balance of Philippine Pesos (PHP) held in a Player's account, comprising deposits, winnings, and credited bonuses.
• "Real Money Balance" means the portion of Player Funds that consists of deposited amounts and cash winnings, excluding bonus funds.
• "Bonus Funds" means promotional credits, free bet allocations, or bonus balances credited to an Account pursuant to a 104ph22 promotion, subject to applicable wagering requirements.
• "KYC" means Know Your Customer identity verification, comprising the submission and approval of valid Philippine government-issued identification and supporting documents.
• "Wagering Requirement" means the total volume of qualifying bets that must be placed before Bonus Funds may be converted to withdrawable Real Money Balance.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the regulatory body governing gaming activities in the Philippines.
• "PST" means Philippine Standard Time (UTC+8), the time zone used for all Platform operations, support hours, promotional periods, and transaction timestamps.

Eligibility and Registration

To register and maintain an Account on 104ph22, you must satisfy all of the following eligibility requirements at all times:

1. You must be at least 21 years of age. The minimum age for participation in online gaming under PAGCOR regulations is 21 years. 104ph22 strictly enforces this requirement through mandatory KYC verification.
2. You must be a natural person. Corporate entities, trusts, and automated systems may not hold Accounts.
3. You must not be a current employee, contractor, director, officer, or agent of 104ph22 or any of its affiliated entities, game providers, or software suppliers.
4. You must not be located in, a resident of, or a national of any jurisdiction where participation in online gaming is prohibited by applicable law.
5. You must not be subject to a self-exclusion order on the 104ph22 Platform or any PAGCOR-administered exclusion registry.

Each eligible individual may register only one Account. Duplicate Accounts — whether registered using the same identity, the same payment method, the same device, or the same IP address — are prohibited. 104ph22 reserves the right to close all duplicate Accounts and forfeit all balances contained therein.

During registration, you agree to provide accurate, current, and complete information. Providing false registration information, including a false date of birth, is a material breach of these Terms and will result in immediate Account closure.

Account Security

You are solely responsible for maintaining the confidentiality of your 104ph22 Account credentials, including your username, password, and any two-factor authentication codes. You agree to:

• Choose a strong, unique password that is not used on any other service.
• Enable two-factor authentication (2FA) where available.
• Not share your Account credentials with any other person under any circumstances.
• Log out of your Account after each session, particularly when using shared or public devices.
• Notify 104ph22 customer support immediately at [email protected] if you suspect unauthorized access to your Account.

104ph22 will never ask you for your password via email, chat, or telephone. Any communication purporting to be from 104ph22 that requests your password should be treated as fraudulent and reported to our support team immediately.

All activity conducted through your Account — including bets placed, deposits made, and withdrawals requested — is your responsibility. 104ph22 is not liable for losses arising from unauthorized Account access where the breach resulted from your failure to maintain adequate security of your credentials.

Deposits and Withdrawals

All financial transactions on the 104ph22 Platform are denominated in Philippine Pesos (PHP). The following terms apply to all deposits and withdrawals:

Deposits:

• Accepted deposit methods include GCash, Maya (PayMaya), BPI, BDO, Metrobank, 7-Eleven over-the-counter, USDT, and Coins.ph. Available methods may vary based on your location and account status.
• Minimum deposit amounts apply per payment method and are displayed at the time of transaction.
• Deposits must be made from payment accounts registered in your own name. Third-party deposits are prohibited and will be returned, less any applicable processing fees, following identity verification.
• 104ph22 does not accept cash deposits.

Withdrawals:

• Withdrawals are processed only to payment accounts that have been verified in your name and that match your KYC-verified identity.
• Verified accounts submitting GCash or Maya withdrawals can expect processing within 15 minutes under normal operating conditions. Bank transfers to BPI, BDO, or Metrobank are processed within 1 to 3 banking days.
• Withdrawals of Bonus Funds require satisfaction of applicable wagering requirements before the funds become withdrawable.
• 104ph22 reserves the right to request additional verification documents before processing any withdrawal, particularly for high-value transactions or when unusual account activity is detected.
• Minimum and maximum withdrawal amounts apply and are displayed in the Account withdrawal section at time of request.

Bonuses and Promotions

104ph22 offers various promotional bonuses, including welcome bonuses, reload bonuses, free bets, cashback offers, and referral rewards. The following general conditions apply to all promotions unless a specific promotion's terms state otherwise:

• Each promotion may be claimed only once per Account, per household, per device, and per IP address, unless the promotion explicitly states it is recurring.
• Bonus Funds are credited to a separate bonus wallet and are subject to wagering requirements before conversion to withdrawable Real Money Balance. Wagering requirements, minimum odds, eligible games, and expiry periods are specified in the individual promotion terms.
• 104ph22 reserves the right to withdraw, modify, or cancel any promotion at any time without prior notice.
• Winnings derived from free bets are generally credited as Bonus Funds and subject to applicable wagering requirements unless stated otherwise.
• Attempting to exploit, abuse, or circumvent promotion terms — including by registering multiple accounts, using VPNs to simulate eligibility, or coordinating with other players to generate artificial play volume — constitutes promotion abuse. 104ph22 will void all bonus-related winnings and may close Accounts found to have engaged in promotion abuse.
• Bonus Funds not wagered within the stated expiry period will be forfeited automatically.

Game Rules and Betting

All games available on the 104ph22 Platform — including live dealer casino games, slot machines, sports betting, e-sabong, bingo, color prediction, and Go Rush — are subject to their respective individual game rules, which are accessible within each game interface. The following general betting terms apply across all game categories:

• All bets placed on 104ph22 are final once confirmed. Bets may not be cancelled or modified after confirmation except where a specific game's rules provide for a cash-out or early settlement feature.
• Minimum and maximum stake limits apply per game and per bet type. These limits are displayed within the game interface prior to bet confirmation.
• In the event of a technical error, game malfunction, or network interruption that prevents a game round from completing, 104ph22 reserves the right to void affected bets and return stakes to the Player's Real Money Balance. The Platform is not liable for losses caused by technical failures beyond its reasonable control.
• Sports betting odds are dynamic and may change up to the point of bet confirmation. The odds displayed at the time of confirmation are the odds at which the bet is accepted and settled.
• Results of 104ph22 slot games are determined by certified random number generators (RNGs). Live dealer game outcomes are determined by physical game equipment operated by licensed studio personnel. 104ph22 does not manipulate game outcomes.

For e-sabong specifically, 104ph22 streams matches from PAGCOR-licensed cockpit arenas. Meron and Wala odds are set by arena operators. 104ph22 presents these odds as-is and is not responsible for arena-level decisions including match postponements, cancellations, or result declarations.

Prohibited Conduct

The following conduct is strictly prohibited on the 104ph22 Platform. Engaging in any of the following may result in immediate Account suspension, permanent closure, forfeiture of all balances, and referral to PAGCOR or Philippine law enforcement authorities as appropriate:

• Registering more than one Account or registering an Account in the name of another person.
• Using automated software, bots, scripts, or artificial intelligence tools to place bets, access the Platform, or exploit game mechanics.
• Colluding with other players to gain an unfair advantage in any game, particularly in poker or live dealer table games.
• Exploiting software bugs, glitches, or errors in the Platform to gain credits or winnings that would not have been generated under normal operating conditions. Any winnings obtained through exploitation of errors are void.
• Using the Platform to conduct, facilitate, or conceal money laundering or any other financial crime. 104ph22 is required to report suspicious transactions to the Anti-Money Laundering Council (AMLC) of the Philippines.
• Accessing the Platform from a jurisdiction where doing so is prohibited by local law.
• Chargebacks or disputes of legitimate 104ph22 transactions with your payment provider. Fraudulent chargebacks will result in Account suspension and recovery proceedings.
• Harassment, abuse, or threatening conduct directed at 104ph22 support staff or other players.

Responsible Gaming

104ph22 is committed to promoting responsible gaming across its platform. We believe that gaming should be a form of entertainment and never a source of financial or personal harm. The following responsible gaming tools and policies are in place for all Account holders:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits on their Account through the account settings panel. Once set, a deposit limit reduction takes effect immediately. A deposit limit increase requires a 24-hour cooling-off period before taking effect.
• Session Time Limits: Players may set a maximum session duration after which they will be automatically logged out of the Platform.
• Loss Limits: Players may set a maximum loss threshold per defined time period. When the threshold is reached, further wagering is disabled until the period resets.
• Self-Exclusion: Players may request self-exclusion from the Platform for a minimum period of 6 months or permanently. Self-exclusion requests submitted via account settings take effect within 24 hours. During the self-exclusion period, the Account is locked and no marketing communications will be sent.
• Reality Checks: Players may configure periodic notifications reminding them of the time elapsed and amount wagered during the current session.

If you believe your gambling has become problematic, we strongly encourage you to use the self-exclusion tool available in your account settings or contact our support team at [email protected]. You may also seek assistance through PAGCOR's player protection resources. For additional support, the National Council on Problem Gambling Philippines provides counselling and referral services.

Intellectual Property

All content on the 104ph22 Platform — including but not limited to the brand name, logo, website design, user interface, game graphics, text, promotional materials, and software — is the exclusive property of 104ph22 or its licensed content providers and is protected by applicable Philippine and international 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 gaming purposes in accordance with these Terms. This licence does not include the right to:

• Copy, reproduce, distribute, or publicly display any Platform content without prior written authorisation from 104ph22.
• Reverse engineer, decompile, or disassemble any software component of the Platform.
• Use any 104ph22 trademark, logo, or brand identifier in any manner that implies affiliation, endorsement, or sponsorship by 104ph22 without express written consent.
• Create derivative works based on any Platform content.

Limitation of Liability

To the fullest extent permitted by applicable Philippine law, 104ph22, its directors, officers, employees, agents, game providers, and licensors shall not be liable for:

• Any loss of funds, loss of profits, or loss of data arising from your use of the Platform.
• Interruptions, delays, or errors in Platform availability caused by circumstances beyond 104ph22's reasonable control, including telecommunications failures, server outages, acts of God, or government action.
• Losses resulting from unauthorized access to your Account where such access resulted from your failure to maintain adequate account security.
• Decisions or errors made by third-party payment processors in connection with deposits or withdrawals.
• Any losses resulting from your reliance on information published on the Platform, including game guides, odds explanations, or promotional descriptions.

Nothing in these Terms limits 104ph22's liability for fraud, willful misconduct, or any liability that cannot be excluded under Philippine law. 104ph22's aggregate liability to any Player for any claim arising out of or in connection with the Platform shall not exceed the total amount deposited by that Player in the 12 months preceding the claim.

Privacy and Data

104ph22 collects, processes, stores, and uses your personal data in accordance with our Privacy Policy, which is incorporated into these Terms by reference and is accessible at /privacy-policy.

By registering on the Platform, you consent to 104ph22's processing of your personal data for the purposes described in the Privacy Policy, including identity verification, transaction processing, fraud prevention, regulatory compliance, and — where you have opted in — marketing communications.

104ph22 complies with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines and its Implementing Rules and Regulations. You have the right to access, correct, and request deletion of your personal data subject to 104ph22's legal retention obligations.

Amendments to These Terms

104ph22 reserves the right to modify, update, or replace these Terms at any time. When material changes are made, 104ph22 will:

• Post the updated Terms on the Platform with a revised "Last Updated" date.
• Notify registered Account holders via the email address associated with their Account at least 7 days prior to the effective date of material changes.

Your continued use of the Platform after the effective date of any updated Terms constitutes your acceptance of those updated Terms. If you do not agree with any modification to these Terms, you must cease using the Platform and may request Account closure by contacting support at [email protected].

Governing Law and Dispute Resolution

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 law provisions.

Any dispute, controversy, or claim arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall first be submitted to 104ph22's customer support team for informal resolution. 104ph22 will endeavour to resolve all disputes within 14 business days of receipt of a written complaint.

If a dispute cannot be resolved informally within 30 days, either party may refer the matter to the appropriate Philippine regulatory authority or initiate proceedings before the proper courts of the Philippines having jurisdiction over the subject matter.

Players who believe their complaint has not been adequately addressed by 104ph22 may escalate the matter to PAGCOR through its official regulatory channels.

Contact Us

If you have any questions, concerns, or complaints regarding these Terms and Conditions, please contact the 104ph22 support team through the following channel:

Email: [email protected]

Our customer support team operates 24 hours a day, 7 days a week, on Philippine Standard Time (PST / UTC+8), including Philippine public holidays. We aim to respond to all email inquiries within 24 hours.

For matters relating to responsible gaming, self-exclusion, or account restrictions, please mark your email with the subject line "Responsible Gaming Request" to ensure prompt routing to our dedicated player protection team.