1. Introduction and Acceptance
This agreement constitutes a legally binding contract between you (the "User") and Panaloko. By performing a panaloko registration, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.
These terms apply to all services offered, including the desktop website and the mobile interface accessed via the panaloko app download.
2. Eligibility Requirements
To use our services, you must satisfy the following criteria:
- You must be at least 18 years of age or the legal age for gambling in your jurisdiction.
- You must reside in a region where online gambling is legally permitted.
- You must have the full legal capacity to enter into a contract.
3. Account Registration and Security
Upon completing your panaloko registration, you are responsible for maintaining the confidentiality of your panaloko login credentials.
3.1 Verification (KYC)
We reserve the right to request identification documents (Know Your Customer) to verify your age and identity. Failure to provide valid documentation may lead to account suspension.
Strict Policy: Only one account is permitted per person, family, household address, email, and IP address. Duplicate accounts will be terminated immediately.
4. Deposits and Withdrawals
Panaloko provides secure payment methods tailored for the Philippines market, including GCash, PayMaya, and local bank transfers.
- Minimum Deposit: Varies by method (standard starts at ₱100).
- Withdrawal Verification: Withdrawals are only processed to accounts matching the registered user's name.
- Processing Times: We aim to process withdrawals within 24 hours, though bank delays may occur.
6. Gaming Rules and Fair Play
Our platform uses certified Random Number Generators (RNG) to ensure fair outcomes. We partner with world-class providers like JILI, PG Soft, and Evolution Gaming.
Users must not interfere with the software or attempt to manipulate game results. Any technical errors leading to unintended winnings will result in the voiding of those rounds.
7. Prohibited Activities
The following activities are strictly forbidden on Panaloko:
- Collusion with other players or use of external bots/AI software.
- Money laundering and fraudulent financial transactions.
- Exploiting software bugs or system vulnerabilities.
- Registering with false or misleading information.
8. Responsible Gambling
Panaloko is committed to promoting responsible gaming. We provide tools to help you stay in control:
- Self-Exclusion: Request a temporary or permanent ban from our services.
- Deposit Limits: Set daily, weekly, or monthly spending caps.
- Cooling-off: Take a break for 24 hours to 30 days.
9. Limitation of Liability and Governing Law
Panaloko shall not be held liable for losses resulting from technical failures, internet connectivity issues, or unauthorized access to your account due to user negligence.
These terms are governed by the laws of the Philippines. Any disputes shall be resolved through binding arbitration in accordance with local regulations.