Terms and Conditions – Panaloka Platform Rules

These Terms and Conditions ("Terms") form a legally binding agreement between you ("Player", "you", or "your") and Panaloka ("we", "us", "our", or "the Platform"). By accessing the Panaloka website at panaloka.app, creating an account, or placing any bet or wager, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety.

If you do not agree with any part of these Terms, you must not register an account or use the Panaloka platform. Please also read our Privacy Policy and Responsible Gaming policy, which form part of your agreement with us.

Acceptance of Terms

By completing the Panaloka registration process, you confirm that:

• You are at least 18 years of age and legally capable of entering into a binding contract under Philippine law.
• You are accessing Panaloka from a jurisdiction where online betting is permitted for you personally.
• You are not a Panaloka employee, director, or an immediate family member of any such person.
• All information you provide during registration is accurate, complete, and not misleading.
• You have read and understood these Terms and agree to comply with them.

These Terms apply to all products and services offered by Panaloka, including sports betting, online casino games, slots, roulette, live dealer games, and any promotional activities. Your continued use of the platform constitutes ongoing acceptance of these Terms and any amendments made to them.

Eligibility

Panaloka's services are available to individuals who meet all of the following eligibility criteria:

• Age: You must be 18 years of age or older. Panaloka actively verifies the age of its players and may request supporting documentation at any time. Any account found to belong to a player under 18 will be permanently closed without notice.
• Location: You must be located in a jurisdiction where use of an online betting platform is not prohibited. It is your sole responsibility to ensure that accessing Panaloka complies with the laws of your jurisdiction.
• Capacity: You must have the legal capacity to enter into a binding agreement. Persons who have been declared legally incompetent or who are subject to a legal guardianship order may not register.
• Self-Exclusion: You must not have voluntarily excluded yourself from the Panaloka platform or from any other licensed gambling operator under a self-exclusion agreement that is still active.

Panaloka reserves the right to refuse registration or to close an account at any time if it determines that a player does not meet these eligibility criteria. Decisions on eligibility are final.

Account Registration and Security

Each player may hold only one Panaloka account. Opening more than one account — whether under the same or a different name, email address, device, or IP address — is strictly prohibited and will result in the closure of all duplicate accounts and the forfeiture of any balances or bonuses held in those accounts.

When registering, you are required to provide accurate personal details including your full legal name, date of birth, and a valid email address or mobile number. You may also be asked to provide a valid Philippine government-issued ID (such as a passport, driver's licence, or UMID card) as part of our Know Your Customer (KYC) verification process. KYC verification is mandatory before any withdrawal is processed.

You are responsible for maintaining the confidentiality of your account password. Panaloka will never ask for your password via email, chat, or phone. If you suspect unauthorised access to your account, you must notify us immediately by contacting our support team. Panaloka is not liable for any losses resulting from unauthorised account access where the player failed to take reasonable precautions to protect their login credentials.

Deposits and Withdrawals

All transactions on the Panaloka platform are conducted in Philippine Peso (₱). Panaloka does not accept deposits or process withdrawals in any other currency.

4.1 Accepted Payment Methods

Panaloka accepts deposits and withdrawals through the following Philippine payment channels:

• GCash
• Maya (formerly PayMaya)
• GrabPay
• Coins.ph
• InstaPay / PESONet bank transfer
• BDO, BPI, and UnionBank online banking
• Visa and Mastercard debit and credit cards

4.2 Deposit Rules

The minimum deposit amount is ₱100 per transaction. There is no maximum deposit limit, though Panaloka may apply transaction limits in accordance with our regulatory obligations. Deposits are credited to your Panaloka wallet almost instantly in most cases. If a deposit does not appear within 30 minutes, please contact customer support with your transaction reference number.

4.3 Withdrawal Rules

The minimum withdrawal amount is ₱200. Withdrawals are processed via the same payment method used for the most recent deposit where possible. Players must complete KYC verification before their first withdrawal is processed. Panaloka reserves the right to request additional documentation for any withdrawal, in particular where transaction volumes are unusually high or where there is a need to verify the source of funds.

Panaloka does not charge fees on standard withdrawals. Processing time for most methods is within a few minutes to several hours. In some cases, the player's bank or e-wallet provider may apply its own processing time. Panaloka is not responsible for delays attributable to third-party payment processors.

Betting Rules

All sports bets placed on Panaloka are subject to the following general rules, in addition to any sport-specific rules published in the sportsbook.

• Bet acceptance: A bet is only confirmed when Panaloka issues a bet confirmation and a bet reference number. Odds displayed before confirmation are indicative and may change before the bet is fully processed, particularly during high-traffic periods or when odds are rapidly shifting.
• Minimum bet: The minimum stake per bet is ₱50 on most markets. Some markets may carry a higher minimum — these are displayed in the bet slip.
• Maximum bet: Maximum stake limits apply to individual bets and vary by sport, market, and event. These limits exist to manage risk and ensure fair play across the platform.
• Cancellation: Once a bet has been confirmed by Panaloka, it cannot be cancelled or changed by the player. The only exception is where the cash-out feature is available and the player exercises it within the permitted window.
• Void bets: A bet may be voided if the event is postponed beyond the settlement window, if a game is abandoned before the relevant market is determined, or if an obvious pricing error occurred. Voided bet stakes are returned to the player's wallet.
• Results and settlement: Panaloka settles bets based on official results published by the relevant governing body. In case of dispute between different sources, Panaloka's determination is final.
• Live betting: In-play odds are subject to rapid change. Bets placed on live markets may be delayed pending acceptance, particularly near goal events or other significant match developments. Panaloka reserves the right to suspend live markets at any time without notice.

Casino and Slot Game Rules

The Panaloka Online Casino, including all slot games, roulette, baccarat, live dealer games, and other table games, operates using certified software from licensed game providers. All game outcomes are determined by a certified Random Number Generator (RNG) that has been independently tested for fairness and unpredictability.

• Game rules are displayed within each individual game. Players are responsible for reading and understanding the rules of any game before placing wagers.
• Return-to-Player (RTP) percentages for slots and table games are determined by the software provider and are available on request.
• In the event of a technical error, game malfunction, or disconnection during a game round, Panaloka will attempt to restore the game session to its last confirmed state. Where this is not possible, the round may be voided and the stake returned. Panaloka is not liable for losses arising from internet connectivity issues on the player's side.
• Live dealer games are conducted by trained dealers in real time. Panaloka follows the decisions of the dealer as the authoritative outcome. In cases of genuine dealer error confirmed by Panaloka's technical team, affected bets may be voided.

Bonuses and Promotions

Panaloka offers a range of bonuses and promotional offers to registered players. All bonuses are subject to the specific terms of each promotion as well as the general bonus rules set out below.

• Wagering requirements: Most bonuses carry a wagering requirement (also called a rollover or playthrough requirement) that must be met before bonus funds or bonus-derived winnings can be withdrawn. The specific wagering requirement for each bonus is stated in the individual promotion terms.
• Eligible games: Not all games on Panaloka contribute equally toward fulfilling wagering requirements. Slots typically contribute 100%, while table games and live dealer games may contribute at a lower rate or not at all. Always check the promotion-specific terms.
• Bonus expiry: Bonuses and free spins expire if the wagering requirement is not met within the specified time window. Expired bonus funds are removed from the account without notice.
• One bonus at a time: Unless stated otherwise, only one bonus may be active in your account at a time. Opting into a new promotion while a previous bonus is still active may result in the previous bonus being forfeited.
• Abuse prevention: Panaloka reserves the right to withhold or reverse any bonus if there is evidence of bonus abuse, including but not limited to wagering only on low-risk outcomes to clear requirements, using multiple accounts, or providing false information during registration.

Prohibited Conduct

The following conduct is strictly prohibited on the Panaloka platform. Any player found to be engaging in prohibited conduct may have their account suspended or permanently closed, balances forfeited, and in serious cases, the matter referred to relevant law enforcement authorities.

• Multiple accounts: Opening, operating, or benefiting from more than one Panaloka account.
• Fraud: Providing false personal information, using stolen payment methods, or attempting to deceive Panaloka or its payment processors.
• Collusion: Working with other players or third parties to gain an unfair advantage in any game or betting market.
• Automated betting software: Using bots, scripts, or any automated system to place bets or interact with the platform without a human operator actively involved.
• Arbitrage abuse: Systematically exploiting pricing errors or bonus structures in a manner that is clearly outside the spirit of the offer.
• Money laundering: Using the Panaloka platform to launder money or for any purpose that violates the Anti-Money Laundering Act of the Philippines (Republic Act No. 9160 as amended).
• Harassment: Abusing, threatening, or harassing Panaloka staff or other players through any channel.
• Underage gambling: Allowing or facilitating a person under the age of 18 to access or use a Panaloka account.

Account Suspension and Closure

Panaloka reserves the right to suspend or close any player account at any time and without prior notice in any of the following circumstances:

• Suspected fraud, money laundering, or any other criminal activity.
• Breach of any of these Terms.
• Failure to complete KYC verification within the required timeframe.
• Providing false or misleading registration information.
• At Panaloka's sole discretion, where it determines that closing the account is necessary to protect the integrity of the platform or comply with regulatory obligations.

Where an account is closed due to a policy violation, any balances — including deposited funds, bonus funds, and pending winnings — may be forfeited. Where closure is not related to a violation, Panaloka will return any verified real-money balance to the player within a reasonable timeframe after identity verification is complete.

Players may also request voluntary account closure at any time by contacting customer support. If you are closing your account for responsible gaming reasons, please inform us so that we can apply appropriate protections to prevent re-registration during your chosen exclusion period.

Intellectual Property

All content on the Panaloka platform — including but not limited to the website design, logos, graphics, text, software, odds data, game assets, and any other materials — is the intellectual property of Panaloka or its licensors. You are granted a limited, non-exclusive, non-transferable licence to access and use the platform for personal, non-commercial betting purposes only.

You may not copy, reproduce, distribute, modify, publicly display, or create derivative works from any Panaloka content without prior written authorisation. The Panaloka name, logo, and branding are trademarks of the platform and may not be used without permission.

Privacy and Data Protection

Panaloka collects and processes your personal data in accordance with our Privacy Policy, which is incorporated into these Terms by reference. By registering on Panaloka, you consent to the collection, storage, and use of your personal data as described in that policy.

In summary, Panaloka collects data necessary for account management, payment processing, KYC compliance, anti-fraud measures, and responsible gaming obligations. We do not sell your personal data to third parties for marketing purposes. Data is retained for the period required by applicable Philippine law, including the Anti-Money Laundering Act and relevant gaming regulations.

Responsible Gaming

Panaloka is committed to providing a safe and responsible gambling environment for all Filipino players. We believe that betting should be an enjoyable form of entertainment — not a source of financial hardship or personal distress.

The following responsible gaming tools are available to all registered Panaloka players:

• Deposit limits: Set daily, weekly, or monthly limits on how much you can deposit. Limits take effect immediately when set but require a 24-hour cooling-off period before they can be increased.
• Session time reminders: Set alerts that notify you when you have been logged in and playing for a set period of time.
• Cooling-off period: Take a short break from betting without closing your account permanently. Options range from 24 hours to 30 days.
• Self-exclusion: Request a permanent or long-term exclusion from the Panaloka platform. Once activated, self-exclusion cannot be reversed for the duration of the chosen period. Contact customer support to initiate.

If you believe that gambling is negatively affecting your life, please visit our Responsible Gaming page for guidance, local resources, and support contacts in the Philippines. You are never alone.

Limitation of Liability

To the fullest extent permitted by applicable law, Panaloka and its directors, 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 profits, revenue, or data arising from platform downtime or technical issues.
• Losses arising from unauthorised access to your account due to your failure to protect your login credentials.
• Delays in deposit or withdrawal processing caused by third-party payment providers.
• Outcomes of bets or games, which are inherently uncertain and at risk of loss.

Panaloka's maximum liability to any player for any claim arising out of or relating to these Terms or use of the platform shall not exceed the total amount deposited by that player in the 30 days preceding the event giving rise to the claim.

Governing Law and Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with the laws of the Philippines. Any dispute arising out of or in connection with these Terms that cannot be resolved through Panaloka's internal customer support process shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

If you have a complaint about Panaloka's services, please first raise it with our customer support team. We aim to resolve all legitimate complaints fairly and promptly. If you are not satisfied with our resolution, you may escalate the matter to the relevant Philippine gaming regulatory authority.

Amendments to These Terms

Panaloka reserves the right to update or amend these Terms and Conditions at any time. Changes will be communicated to registered players via email or through a notice posted on the Panaloka website. The updated Terms will indicate the date of the most recent revision at the top of this page.

Continued use of the Panaloka platform following notification of any changes constitutes your acceptance of the updated Terms. If you do not agree with any amendment, you must cease using the platform and may request account closure by contacting our support team.

It is your responsibility to check this page periodically for updates. Panaloka recommends that all players review the Terms at least once per quarter.

Contact Us

If you have any questions, concerns, or complaints regarding these Terms and Conditions, or any aspect of the Panaloka platform, please reach out to our customer support team. We have Filipino-speaking agents available 24 hours a day, 7 days a week.

• Email: support@panaloka.app
• Live Chat: Available on the Panaloka website when you are logged in
• Responsible Gaming inquiries: Visit our Responsible Gaming page

We aim to acknowledge all email inquiries within 24 hours and resolve substantive complaints within 5 business days. For urgent account-related matters — such as suspected unauthorised access — please use live chat for the fastest response.