These Terms and Conditions govern your access to and use of the ph45 online gaming platform, including all games, services, promotions, and tools available at ph45.one. Please read this document carefully before registering or placing any wager. By creating an account at ph45, you confirm that you have read, understood, and agreed to be bound by these Terms in full.
In these Terms and Conditions, the following definitions apply unless context requires otherwise:
By accessing, registering on, or using any part of the ph45 Platform, you unconditionally accept and agree to be bound by these Terms and Conditions in their entirety, together with our Privacy Policy and Responsible Gaming Policy, each of which is incorporated into these Terms by reference.
If you do not agree with any part of these Terms, you must immediately discontinue use of the Platform and close your Account if one has been created. Continued use of ph45 following any published amendment to these Terms constitutes acceptance of the amended Terms.
The ph45 Platform is strictly available to persons who are at least twenty-one (21) years of age, as required under PAGCOR regulations governing online gambling in the Philippines. Registration by, or on behalf of, any person under the age of 21 is absolutely prohibited.
ph45 is operated for and primarily directed at users located in the Philippines. You are solely responsible for determining whether accessing or using the ph45 Platform is lawful in your jurisdiction. ph45 makes no representations that the Services are appropriate or available in any location outside the Philippines.
Each natural person is permitted to hold only one (1) registered Account on ph45. Duplicate accounts, including accounts registered in a different name by the same person, are prohibited and will result in suspension of all associated accounts and forfeiture of any balances held therein.
You must register and play using your own identity, with your own funds. Registering on behalf of another person, or allowing another person to operate your Account, is prohibited. Corporate, partnership, trust, and business registrations are not permitted on ph45.
To register an Account with ph45, you must provide accurate, complete, and current information including your legal full name, date of birth, valid Philippine mobile number, and email address. Providing false or misleading information during registration is a material breach of these Terms and grounds for immediate account suspension.
ph45 is required under PAGCOR regulations and Republic Act No. 9160 (Anti-Money Laundering Act, as amended) to verify the identity of all registered players. You will be required to submit a copy of at least one (1) valid government-issued Philippine identification document. Accepted documents include:
ph45 reserves the right to request additional documentation at any stage of the account relationship, including proof of address, source of funds declarations, or enhanced due diligence documentation. Failure or refusal to provide requested documentation within a reasonable timeframe may result in account restriction or suspension.
KYC verification is typically completed within thirty (30) minutes during standard business hours. Submissions requiring manual review may take up to forty-eight (48) hours. Withdrawals above specified threshold amounts may be held pending successful KYC completion.
You are solely responsible for maintaining the confidentiality and security of your Account credentials, including your username, password, and any two-factor authentication codes. You must not share your login details with any third party under any circumstances.
ph45 will never contact you by any channel to request your password, OTP, or two-factor authentication code. Any communication purporting to be from ph45 and requesting such information should be treated as fraudulent and reported to our support team immediately.
You agree to notify ph45 immediately at [email protected] if you become aware of any unauthorised access to or use of your Account. ph45 accepts no liability for losses resulting from unauthorised Account access where the Player has failed to maintain adequate credential security or has shared credentials with a third party.
ph45 currently accepts deposits and processes withdrawals via the following Philippine payment channels: GCash, PayMaya, Bank of the Philippine Islands (BPI), Banco de Oro (BDO), Metrobank, UnionBank Online, and 7-Eleven Cliqq cash-in. ph45 reserves the right to add or remove payment methods without prior notice.
All deposits must be funded from a payment account registered in your own name. ph45 does not accept deposits from third-party payment sources. Minimum deposit amounts are as displayed in the ph45 cashier at the time of transaction. Deposits credited in error must be reported to ph45 support immediately — retention of erroneous credits constitutes a breach of these Terms.
Withdrawal requests are subject to successful KYC verification and compliance with all applicable wagering requirements. ph45 targets processing of GCash and PayMaya withdrawals within five (5) minutes for fully verified accounts. Bank transfer withdrawals are processed within the same banking business day for requests submitted before the applicable cut-off time. ph45 reserves the right to conduct additional verification checks before processing any withdrawal request.
In accordance with Republic Act No. 9160 as amended by RA 10365 and RA 11521, ph45 is required to monitor transactions for indicators of money laundering or terrorist financing. ph45 may delay, suspend, or decline withdrawal requests pending investigation, and is required by law to report suspicious transactions to the Anti-Money Laundering Council (AMLC) without notifying the account holder.
All bonuses, promotions, free spins, cashback offers, and loyalty rewards offered by ph45 are subject to specific terms and conditions published at the time of each offer. General conditions applicable to all ph45 promotional offers include:
All games available on ph45 — including but not limited to slot machines, live dealer table games, bingo, sports betting markets, and e-sabong — are subject to their individual game rules as displayed within each game interface. In the event of any conflict between a game's on-screen rules and any general promotional material, the individual game rules shall prevail.
Random Number Generator (RNG) games on ph45 are certified by independent third-party testing laboratories in accordance with industry standards. Return to Player (RTP) percentages for slot games are disclosed within each game's help or information section. Live dealer games are conducted using physical equipment in certified studio environments and are streamed in real time.
ph45 reserves the right to void any Wager placed at incorrect odds, on a cancelled event, or as a result of a technical error. Where Wagers are voided, the original stake will be returned to the Player's Account balance.
The following conduct is strictly prohibited on ph45 and constitutes a material breach of these Terms:
ph45 reserves the right to immediately suspend any Account and withhold associated funds pending investigation where any of the above conduct is suspected. Where prohibited conduct is confirmed, ph45 may permanently close the Account, forfeit the Account balance, and report the matter to PAGCOR and other relevant authorities.
ph45 is committed to providing a safe and responsible gaming environment in compliance with PAGCOR's player protection requirements. The Platform provides the following responsible gaming tools, accessible from your Account settings:
Players who self-exclude may not attempt to circumvent the exclusion by registering new accounts. Doing so constitutes a breach of these Terms. ph45 will make reasonable efforts to enforce self-exclusion but cannot guarantee that all access attempts will be detected.
For external support resources on problem gambling in the Philippines, please visit the ph45 Responsible Gaming page, which links to PAGCOR-approved player support channels.
ph45 reserves the right to suspend or restrict your Account at any time, with or without prior notice, where ph45 reasonably suspects a breach of these Terms, fraudulent activity, suspicious transaction patterns, failure to complete KYC, or conduct harmful to the integrity of the Platform or other players.
ph45 may permanently close your Account and terminate these Terms if: (a) you have materially breached any provision of these Terms; (b) your continued use of the Platform poses a regulatory, legal, or reputational risk to ph45; (c) PAGCOR directs ph45 to close your Account; or (d) ph45 ceases operations. Upon confirmed termination due to breach, any balance in your Account may be forfeited.
You may close your Account at any time by contacting ph45 support at [email protected]. Closure requests are processed within forty-eight (48) hours. Any verified balance at the time of closure, less any applicable fees or chargebacks, will be returned to you via your registered payment method.
All content, design, software, databases, trademarks, logos, and other intellectual property accessible through the ph45 Platform — including but not limited to game graphics, sound effects, user interface elements, and written content — are the property of ph45 or its licensors and are 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 personal, non-commercial entertainment purposes. You must not reproduce, copy, distribute, modify, reverse-engineer, or create derivative works from any ph45 content without express prior written authorisation from ph45.
To the maximum extent permitted by applicable Philippine law, ph45 shall not be liable to you for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, loss of goodwill, or business interruption, arising from your use of or inability to use the Platform.
ph45's total aggregate liability to you for any claim arising from or relating to your use of the Platform shall not exceed the total net deposits made by you to ph45 in the thirty (30) days immediately preceding the event giving rise to the claim.
ph45 does not warrant that the Platform will be available at all times, uninterrupted, error-free, or free from viruses or other harmful components. Scheduled and unscheduled maintenance may result in temporary unavailability of the Platform or specific games.
These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from or in connection with these Terms, including any question regarding their existence, validity, or termination, shall first be subject to good-faith negotiation between you and ph45.
If the dispute is not resolved through negotiation within thirty (30) days, either party may escalate the matter to PAGCOR's dispute resolution mechanism. Legal proceedings, if ultimately necessary, shall be brought exclusively before the competent courts of Metro Manila, Philippines.
ph45 reserves the right to amend, update, or replace these Terms and Conditions at any time. Material changes will be communicated to registered Players via the email address on file or through a prominent in-Platform notification, with at least seven (7) days' advance notice where operationally feasible.
The most current version of these Terms will always be accessible at https://ph45.one/terms-conditions. The "Effective Date" and "Last Reviewed" dates displayed at the top of this page indicate when the current version came into effect. Continued use of ph45 following any amendment constitutes acceptance of the revised Terms.
For any questions, concerns, or formal notices relating to these Terms and Conditions, please contact ph45 using the following details:
For regulatory enquiries, PAGCOR may be contacted through their official government channels. ph45 cooperates fully with all PAGCOR oversight and player protection initiatives.
The ph45 Terms and Conditions are built around six core commitments to Filipino players.
Government ID-verified KYC is mandatory for every ph45 account. The 21-year minimum age is a PAGCOR requirement and a non-negotiable condition of Platform access — with no exceptions.
ph45 operates within PAGCOR's regulatory framework. All operations — from game certification to payout processing — are subject to oversight by the Philippine Amusement and Gaming Corporation.
Verified ph45 accounts receive GCash withdrawals in under 5 minutes. Withdrawal policies, processing timelines, and fee structures are disclosed in full — no hidden conditions applied after the fact.
Every RNG game title on ph45 is independently certified for randomness and fairness. Live dealer games use physical equipment in certified studios. RTP data is disclosed for all slot games.
Deposit limits, loss limits, session timers, reality checks, and self-exclusion are all available from your ph45 account settings — not hidden in a support form. Player protection is a first-class feature at ph45.
ph45 bonus terms are written to be understood, not to obscure conditions. Wagering requirements, game eligibility, and expiry periods are disclosed clearly in every promotion — before you opt in.
Our Filipino support team is available 24/7 to answer any questions about your ph45 account, these Terms, or any aspect of the Platform. 21+ only — PAGCOR regulated.