pabcor Terms & Conditions

1. Acceptance of Terms

By accessing the pabcor website (pabcor.cam), mobile applications, or any related services (collectively, "the Platform"), you agree to be bound by these Terms and Conditions, our Privacy Policy, Responsible Gaming Policy, and all applicable Philippine laws and regulations governing online gambling. If you do not agree with any provision of these Terms, you must immediately cease using the Platform and close your account.

These Terms constitute the entire agreement between you ("User," "Player," "you") and pabcor Gaming Corporation ("pabcor," "we," "us," "our"), a company incorporated under Philippine law and operating under license from the Philippine Amusement and Gaming Corporation (PAGCOR). Our PAGCOR license number and regulatory documentation are available upon request through our customer support team.

Your continued use of the Platform following any amendments to these Terms constitutes acceptance of those amendments. We recommend reviewing these Terms periodically to stay informed of any changes.

2. Eligibility & Account Registration

2.1 Age and Location Requirements

To register an account and use pabcor services, you must meet all of the following eligibility criteria:

• Age: You must be at least 21 years old. pabcor operates a strict age verification policy. Underage gambling is prohibited under Philippine law and PAGCOR regulations.
• Location: You must be physically located within the Philippines when accessing the Platform or placing bets. Use of VPNs, proxies, or other tools to circumvent geographic restrictions is strictly prohibited.
• Legal Capacity: You must have the legal capacity to enter into binding contracts under Philippine law. Persons under legal guardianship or court-ordered restrictions may not create accounts.
• Self-Exclusion Status: You must not be enrolled in any gambling self-exclusion program, either through pabcor or any other gambling operator registered with PAGCOR's national self-exclusion database.

2.2 Account Registration Process

Account registration requires accurate and complete personal information, including your full legal name as it appears on government-issued identification, date of birth, residential address, contact phone number, and email address. Provision of false, misleading, or fraudulent information during registration constitutes grounds for immediate account termination and forfeiture of all balances.

Each person may hold only one pabcor account. Creation of multiple accounts (duplicate accounts) for any purpose, including but not limited to bonus abuse, circumvention of limits, or evasion of suspension, is strictly prohibited and will result in closure of all associated accounts and forfeiture of funds.

2.3 Account Ownership and Transferability

Your pabcor account is personal to you and may not be transferred, sold, or shared with any other person. You are solely responsible for all activity occurring under your account credentials. pabcor accounts have no monetary value outside of the Platform and cannot be inherited, assigned, or transferred upon death or incapacity.

3. Know Your Customer (KYC) & Verification

3.1 Mandatory Verification Requirements

Philippine anti-money laundering regulations and PAGCOR licensing conditions require pabcor to verify the identity of all players. Upon registration or before first withdrawal (whichever occurs first), you must submit valid government-issued identification for verification. Acceptable forms of ID include:

• Philippine Passport
• Driver's License issued by the Land Transportation Office (LTO)
• Unified Multi-Purpose ID (UMID)
• PhilHealth ID
• Postal ID
• Professional Regulation Commission (PRC) ID
• Social Security System (SSS) ID

3.2 Enhanced Due Diligence

For withdrawals exceeding ₱50,000 in a single transaction or ₱100,000 cumulative within a 30-day period, pabcor reserves the right to request additional documentation to verify source of funds and ensure compliance with Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) regulations. Enhanced due diligence may include proof of address, employment verification, bank statements, or other financial documentation.

Failure to provide requested verification documents within 30 days of the request may result in account suspension and withholding of withdrawals until compliance is achieved. pabcor will not process withdrawals to third-party accounts or payment methods not registered in the account holder's name.

3.3 Data Protection and Privacy

All personal information and identity documents submitted to pabcor are handled in accordance with our Privacy Policy and the Data Privacy Act of 2012 (Republic Act No. 10173). Your information is stored securely, transmitted via encrypted channels, and disclosed only as required by law or regulatory authority.

4. Deposits, Withdrawals & Payment Methods

4.1 Accepted Payment Methods

pabcor accepts deposits via GCash, PayMaya, online banking transfers through major Philippine banks (BPI, BDO, Metrobank, UnionBank, and others), and credit/debit cards (Visa, Mastercard). Minimum deposit amount is ₱50. Maximum deposit limits vary by payment method and account verification status. Deposits are credited to your pabcor account balance within 2 minutes for e-wallet transactions and within 30 minutes for bank transfers.

4.2 Withdrawal Processing

Verified players may request withdrawals to the same payment method used for deposit. Withdrawal requests are processed within 24 hours during business days (Monday-Friday, excluding Philippine holidays). GCash and PayMaya withdrawals typically complete same-day. Bank transfers may take 1-3 business days depending on the receiving bank's processing schedule.

Minimum withdrawal amount is ₱100. Withdrawals may be subject to identity verification checks, AML screening, and review for compliance with bonus wagering requirements. pabcor reserves the right to request additional documentation before processing large or unusual withdrawal requests.

4.3 Currency and Fees

All pabcor transactions are denominated in Philippine Pesos (₱). pabcor does not charge fees for deposits or withdrawals. However, your payment provider (bank, e-wallet, card issuer) may impose transaction fees beyond pabcor's control. Consult your payment provider's fee schedule for details.

4.4 Responsible Gambling and Deposit Limits

Players may set voluntary deposit limits (daily, weekly, or monthly) through their account settings. Once set, deposit limits cannot be increased immediately — a 24-hour cooling-off period applies to limit increases. Limit decreases take effect immediately. Deposit limits are a responsible gambling tool and should be set based on your financial circumstances and gambling habits.

5. Bonuses, Promotions & Wagering Requirements

5.1 Promotional Offers

pabcor offers various promotions including welcome bonuses, deposit match bonuses, free spins, cashback, and special event promotions. All bonuses are subject to specific terms and conditions stated in the promotional offer. By claiming a bonus, you agree to the bonus-specific terms in addition to these general Terms and Conditions.

5.2 Wagering Requirements

Unless otherwise stated, all bonuses are subject to wagering requirements before withdrawal. Typical wagering requirements range from 20x to 40x the bonus amount. For example, a ₱500 bonus with 30x wagering requires ₱15,000 in total bets before the bonus and any winnings derived from it become withdrawable. Wagering contributions vary by game type: slots typically contribute 100%, table games may contribute 10-20%, and some games may be excluded entirely.

5.3 Bonus Abuse and Forfeiture

Bonus abuse, including but not limited to creation of multiple accounts, use of stolen payment methods, collusion with other players, exploitation of software errors, or any attempt to gain unfair advantage, will result in immediate forfeiture of bonuses, winnings, and account balance, followed by permanent account closure. pabcor retains the right to withhold withdrawals and report suspected bonus abuse to PAGCOR and law enforcement authorities.

5.4 Maximum Bet Rules

While wagering requirements are active, maximum bet per spin or per hand is capped at ₱50 or 10% of the bonus amount, whichever is lower. Bets exceeding this maximum may result in forfeiture of bonus and associated winnings.

6. Gameplay Rules & Fair Gaming

6.1 Random Number Generation and Fairness

All pabcor casino games (slots, table games, instant win games) use Random Number Generator (RNG) software certified by independent testing laboratories including Gaming Laboratories International (GLI) and iTech Labs. RNG systems ensure game outcomes are truly random and not influenced by previous results, player history, or external factors. Certification reports are available upon request.

6.2 Return to Player (RTP) and House Edge

Each game displays its theoretical Return to Player (RTP) percentage, representing the expected long-term payout rate. RTP is calculated over millions of game rounds. Short-term results may vary significantly from theoretical RTP. House edge (the casino's mathematical advantage) is the inverse of RTP. pabcor does not alter RTP settings from game provider defaults.

6.3 Malfunction and Disputes

In the event of software malfunction, network interruption, or game error, all affected bets are void and stakes are returned to player accounts. pabcor is not liable for losses resulting from technical issues beyond our reasonable control. Disputes regarding game outcomes must be reported within 48 hours via customer support. pabcor will investigate using server-side game logs and provide a written determination within 7 business days.

6.4 Live Dealer Games

Live dealer games are streamed in real-time from professional studios operated by licensed third-party providers (Evolution Gaming, Pragmatic Play Live, others). All live dealer games follow standard casino rules for the respective game type. Dealer decisions are final. Abusive behavior, harassment, or inappropriate chat communication directed toward dealers or other players will result in immediate removal from the table and potential account suspension.

7. Account Responsibilities & Security

7.1 Credential Security

You are solely responsible for maintaining the confidentiality of your pabcor username and password. Do not share your login credentials with anyone. pabcor will never ask for your password via email, phone, or chat. If you suspect unauthorized access to your account, change your password immediately and contact customer support.

7.2 Account Activity Monitoring

You are responsible for all activity occurring under your account, whether authorized by you or not. Regularly review your account transaction history and gameplay records. Report any suspicious or unauthorized activity within 24 hours of discovery. pabcor is not liable for losses resulting from unauthorized account access caused by your failure to maintain credential security.

7.3 Accurate Information Maintenance

You must ensure all account information (contact details, address, payment methods) remains current and accurate. Update your account settings if your circumstances change. pabcor may suspend accounts with outdated or incorrect information until verification is re-completed.

8. Prohibited Activities

The following activities are strictly prohibited on the pabcor Platform and constitute grounds for immediate account termination and forfeiture of funds:

• Fraudulent Activity: Use of stolen credit cards, bank accounts, or e-wallet accounts; identity theft; document forgery; chargebacks initiated in bad faith.
• Collusion and Cheating: Collaboration with other players to gain unfair advantage; use of bots, scripts, or automated software; exploitation of software vulnerabilities.
• Money Laundering: Depositing funds derived from illegal activity; using pabcor to transfer funds between parties; structuring transactions to evade reporting thresholds.
• Multiple Accounts: Creating more than one account per person; allowing others to use your account; accessing accounts belonging to others.
• Prohibited Jurisdictions: Accessing pabcor from outside the Philippines using VPNs or proxies; providing false location information.
• Abusive Behavior: Harassment of staff or other players; use of offensive language; threats of violence; hate speech.

pabcor employs sophisticated fraud detection systems, manual review procedures, and cooperation with payment providers and regulatory authorities to identify and prevent prohibited activities. Violations may result in reporting to PAGCOR, the Anti-Money Laundering Council (AMLC), or law enforcement agencies.

9. Account Suspension & Termination

9.1 Temporary Suspension

pabcor may temporarily suspend your account while investigating suspected Terms violations, verifying account information, or complying with regulatory requests. During suspension, you cannot access your account, place bets, or request withdrawals. If investigation concludes no violation occurred, your account will be reinstated and any withheld withdrawals processed.

9.2 Permanent Termination

pabcor reserves the right to permanently close accounts that violate these Terms, engage in prohibited activities, or pose risk to platform integrity. Upon termination for cause, all bonuses and associated winnings are forfeited. Legitimate deposited funds and winnings derived from compliant gameplay will be returned via the original deposit method after deduction of any fees, chargebacks, or amounts owed to pabcor.

9.3 Voluntary Account Closure

You may request voluntary account closure at any time by contacting customer support. Pending withdrawal requests will be processed before closure. Accounts closed voluntarily may be reopened at your request after a 7-day cooling-off period, subject to verification. Accounts closed under self-exclusion cannot be reopened during the exclusion period.

10. Limitation of Liability

10.1 Service Availability

While pabcor strives for continuous platform availability, we do not guarantee uninterrupted access. The Platform may be temporarily unavailable due to maintenance, technical issues, regulatory requirements, or circumstances beyond our control. pabcor is not liable for losses resulting from service interruptions, provided reasonable efforts were made to minimize disruption and restore service.

10.2 Third-Party Providers

pabcor partners with third-party game providers, payment processors, and technology vendors. While we select reputable partners, we are not responsible for failures, errors, or misconduct by third parties beyond our reasonable control. Disputes involving third-party services should be directed to the appropriate provider.

10.3 Indemnification

You agree to indemnify and hold harmless pabcor, its directors, officers, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these Terms, violation of any law or regulation, infringement of any third-party rights, or unauthorized use of the Platform.

10.4 Dispute Resolution and Governing Law

These Terms are governed by the laws of the Republic of the Philippines. Any disputes arising from or relating to these Terms or your use of the Platform shall be resolved through good-faith negotiation. If negotiation fails, disputes may be submitted to PAGCOR's dispute resolution mechanism or resolved through binding arbitration in accordance with Philippine arbitration law. The venue for any legal proceedings shall be Metro Manila, Philippines.

11. Changes to Terms

pabcor reserves the right to modify, amend, or update these Terms at any time to reflect changes in legal requirements, operational procedures, or business practices. Material changes will be communicated via email, platform notification, or prominent website notice at least 7 days before taking effect. Your continued use of the Platform after changes become effective constitutes acceptance of the modified Terms.

If you do not agree with changes to these Terms, you must cease using the Platform and may request account closure. Withdrawal of existing balance is permitted during the 7-day notice period, subject to completion of any pending wagering requirements.

The "Last Updated" date at the top of this document reflects the most recent amendment date. We recommend reviewing these Terms periodically to stay informed of any changes affecting your rights and obligations.

12. Contact Information

For questions, concerns, or inquiries regarding these Terms and Conditions, please contact pabcor customer support:

• Email: [email protected]
• Live Chat: Available 24/7 through your pabcor account
• Response Time: We aim to respond to all inquiries within 2 hours during business hours (9:00 AM - 9:00 PM PHT, Monday-Sunday)

Document Version: v2.1 | Last Updated: January 15, 2026 | Effective Date: January 15, 2026