Last updated: 2025. These Terms and Conditions govern your use of the panaloko app platform. Please read them carefully before registering or placing any bets. By creating an account, you confirm that you have read, understood, and agreed to all terms set out below.
1. Eligibility
You must be at least 21 years of age to register and use panaloko app. By creating an account, you confirm that you meet this age requirement and that online gaming is lawful in your jurisdiction within the Philippines. The platform is intended solely for personal, non-commercial use by individual players. Employees, contractors, and immediate family members of panaloko app are not permitted to hold player accounts. We reserve the right to request age verification documents at any time, and accounts found to be in breach of the eligibility requirement will be suspended immediately pending review.
2. Account Registration and Responsibility
Each player is permitted to hold only one account on panaloko app. Duplicate accounts will be closed and any balances associated with them may be forfeited. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. If you suspect unauthorised access to your account, you must notify our support team immediately. All information provided during registration must be accurate and up to date — providing false details is a breach of these Terms and may result in account closure and forfeiture of funds.
3. Deposits and Withdrawals
All transactions on panaloko app are processed in Philippine pesos (PHP) through local payment channels available in the Philippines. Deposits are credited to your account promptly upon confirmation from the payment provider. Withdrawals are subject to identity verification and must be made to a payment method registered in your own name — third-party withdrawals are not permitted under any circumstances. Minimum and maximum transaction limits apply and are displayed at the point of transaction. Processing times for withdrawals vary depending on your VIP tier level, with Plus and VIP tier accounts receiving priority processing. panaloko app reserves the right to request supporting documentation before processing any withdrawal if there is a reasonable basis to do so.
4. Gaming Rules and Fair Play
All games available on panaloko app — including Live Casino tables and Fish Game rounds — must be played in accordance with the specific rules displayed within each game. Bets placed are final once confirmed and cannot be reversed or cancelled after the round has commenced. Any attempt to manipulate game outcomes, exploit software errors, use automated betting tools, or engage in collusion with other players is strictly prohibited and will result in immediate account suspension. If a technical fault occurs during a game round, panaloko app reserves the right to void the affected bets and return stakes to the players involved. Players are expected to engage with the platform in good faith at all times.
5. VIP Programme
Participation in the panaloko app VIP programme is automatic and based on cumulative gaming activity across all platform sections. Tier advancement and the associated benefits are applied at the platform's discretion and may be subject to change with reasonable notice to players. VIP tier status does not constitute a contractual entitlement to any specific benefit beyond what is explicitly stated in the current VIP programme description. panaloko app reserves the right to adjust, suspend, or discontinue the VIP programme at any time. Any abuse of VIP benefits — including but not limited to creating multiple accounts to gain tier advantages — will result in tier removal and possible account closure.
6. Responsible Gaming
panaloko app is committed to promoting responsible gaming among all Filipino players on the platform. We provide tools and resources to help players manage their gaming activity, including the ability to request account restrictions or self-exclusion. Players who believe their gaming behaviour may be causing harm are strongly encouraged to visit our Responsible Gaming page for guidance and support options. Gaming should be treated as a form of entertainment, not as a means of generating income or resolving financial difficulties. If you are experiencing problems related to gaming, please reach out to our support team or consult a professional support service available in the Philippines.
7. Privacy and Data Use
Your personal information is collected and processed in accordance with our Privacy Policy, which forms part of these Terms and Conditions. By registering on panaloko app, you consent to the collection and use of your data as described in the Privacy Policy. We do not sell or share your personal information with third parties for marketing purposes without your explicit consent. Data collected during account registration and gameplay is used solely for the purposes of operating the platform, processing transactions, and complying with applicable legal obligations. You have the right to request access to, correction of, or deletion of your personal data by contacting our support team.
8. Limitation of Liability
panaloko app provides the platform on an "as available" basis and does not guarantee uninterrupted access at all times. We are not liable for any losses arising from technical failures, internet connectivity issues, or circumstances beyond our reasonable control. The platform is not responsible for any indirect, incidental, or consequential losses incurred by players as a result of using or being unable to use the service. Our total liability to any player in connection with their use of the platform shall not exceed the amount deposited by that player in the 30 days preceding the event giving rise to the claim. Nothing in these Terms limits liability for fraud, gross negligence, or any other matter that cannot be excluded by law in the Philippines.
9. Changes to These Terms
panaloko app reserves the right to update or amend these Terms and Conditions at any time. When material changes are made, we will notify registered players through the platform or via the contact details associated with their account. Continued use of the platform after the effective date of any changes constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically to stay informed of any updates. If you do not agree with any changes to the Terms, you should stop using the platform and contact support to close your account.
10. Contact and Governing Law
These Terms and Conditions are governed by the laws applicable to online gaming operations in the Philippines. Any disputes arising from your use of panaloko app shall be subject to the exclusive jurisdiction of the competent courts or regulatory bodies in the Philippines. If you have questions about these Terms, you may contact our support team at [email protected]. Our team is available 24/7 and will respond to enquiries as promptly as possible. For questions specifically about your account, payments, or game rules, the FAQ page may provide an immediate answer without needing to contact support directly.
If anything in these Terms is unclear, our support team is available around the clock to help. You can also check the FAQ for quick answers to the most common questions about accounts, payments, and gameplay on panaloko app.