Terms & Conditions — pn365 Online Gaming Platform

1. Acceptance of Terms

By creating a pn365 account, accessing the pn365 website located at pn365.cam, or using any services offered by pn365, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions, as well as our Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference.

If you do not agree to any provision contained in these Terms, you must immediately cease all use of the pn365 platform and refrain from registering an account. Continued use of pn365 services following any modification to these Terms constitutes your acceptance of such modifications.

These Terms constitute a binding legal agreement between you (the "Player," "User," or "you") and pn365 (the "Company," "Operator," "we," or "us"). The agreement governs all aspects of your relationship with pn365, including but not limited to account registration, deposits, withdrawals, gameplay, bonus eligibility, dispute resolution, and account termination.

2. Eligibility and Age Requirements

The pn365 platform is exclusively available to individuals who meet all of the following eligibility criteria:

• Age Requirement: You must be at least twenty-one (21) years of age or older. This age restriction is mandated by Philippine law and enforced by PAGCOR (Philippine Amusement and Gaming Corporation). pn365 reserves the right to request identity verification documents at any time to confirm your age. Failure to provide such documentation may result in account suspension or closure.
• Legal Capacity: You must possess the legal capacity to enter into binding contracts under the laws of your jurisdiction. If you are legally prohibited from entering contracts, you may not use pn365 services.
• Jurisdictional Compliance: You must not be a resident of any jurisdiction where online gambling is illegal. While pn365 is licensed to operate within the Philippines under PAGCOR oversight, it is your responsibility to ensure that your participation complies with local laws in your place of residence.
• Exclusion Lists: You must not appear on any self-exclusion list, gambling prohibition registry, or other exclusion database maintained by PAGCOR or any competent regulatory authority. If you have previously self-excluded from any gaming platform, you must not attempt to register or use pn365 services during your exclusion period.
• Single Account Requirement: Each individual is permitted only one (1) pn365 account. Multiple accounts registered by the same person, household, IP address, or device are strictly prohibited and may result in immediate account closure and forfeiture of balances.

3. Account Registration and Security

3.1 Registration Process

To access pn365 gaming services, you must complete the registration process by providing accurate, current, and complete information as requested in the registration form. Required information typically includes your full legal name, date of birth, residential address, valid Philippine mobile number, email address, and preferred currency (PHP).

You agree that all information provided during registration is truthful and accurate. Providing false, misleading, or fraudulent information is grounds for immediate account termination and may constitute a criminal offense under Philippine law. pn365 reserves the right to verify any information provided and to request supporting documentation at any time.

3.2 Account Security Responsibilities

You are solely responsible for maintaining the confidentiality of your pn365 login credentials, including your username, password, and any two-factor authentication codes. You agree to:

• Choose a strong, unique password that is not used for any other online service;
• Never share your login credentials with any third party, including family members, friends, or individuals claiming to represent pn365 support;
• Immediately notify pn365 customer support if you suspect unauthorized access to your account or any security breach;
• Log out from your pn365 account after each session, particularly when accessing the platform from shared or public devices;
• Enable two-factor authentication if offered and maintain secure access to the mobile device or email account used for authentication.

pn365 is not liable for any loss or damage arising from your failure to protect your account credentials. All activity conducted through your pn365 account will be deemed to have been authorized by you, and you will be held responsible for all transactions, wagers, deposits, and withdrawals made using your login credentials.

3.3 Prohibited Account Practices

The following account-related activities are strictly prohibited and may result in immediate account suspension, closure, and forfeiture of funds:

• Operating multiple pn365 accounts under your name or under false identities;
• Allowing third parties to access or use your pn365 account;
• Purchasing, selling, transferring, or renting pn365 accounts to or from other individuals;
• Using account information belonging to another person, including but not limited to identity theft or fraudulent impersonation;
• Manipulating account registration data to circumvent deposit limits, self-exclusion measures, or other responsible gaming controls;
• Engaging in any form of collusion, syndicate play, or coordinated betting activity across multiple accounts.

4. Deposits, Withdrawals, and Payment Processing

4.1 Deposits

pn365 accepts deposits via the following payment methods: GCash, Maya (formerly PayMaya), bank transfers from major Philippine banks (including BPI, BDO, Metrobank, UnionBank, and others), QR Ph, InstaPay, PesoNet, and select credit/debit cards (Visa and Mastercard). The minimum deposit amount is Fifty Philippine Pesos (₱50). Maximum deposit limits vary by payment method and account status.

All deposits must originate from a payment source registered in your own name. Third-party deposits (deposits made from accounts not in your name) are strictly prohibited and will be rejected or refunded. This policy is enforced to comply with anti-money laundering (AML) regulations and to prevent fraudulent activity.

Deposited funds are typically credited to your pn365 account balance immediately or within a few minutes, depending on the payment method used. If your deposit does not appear within the expected timeframe, contact pn365 customer support with your transaction reference number for assistance.

pn365 reserves the right to impose deposit limits for responsible gaming purposes or to request additional verification before processing unusually large deposits. Deposit fees, if any, will be clearly disclosed prior to transaction confirmation.

4.2 Withdrawals

You may request a withdrawal of your available account balance at any time, subject to the following conditions:

• Identity Verification: pn365 requires KYC (Know Your Customer) verification before processing your first withdrawal or any withdrawal exceeding certain thresholds. You may be required to submit government-issued identification, proof of address, and proof of payment method ownership.
• Wagering Requirements: If you have claimed any bonuses or promotions, you must satisfy all associated wagering requirements before withdrawing bonus-derived winnings. Deposited funds (non-bonus funds) may typically be withdrawn at any time, but pn365 reserves the right to require at least 1x rollover of deposits to prevent money laundering activity.
• Payment Method Matching: Withdrawals must be processed to the same payment method used for deposits wherever possible. This is an AML compliance requirement. If the original payment method is unavailable for withdrawals, alternative methods may be authorized at pn365's discretion following additional verification.
• Minimum and Maximum Limits: Minimum withdrawal amounts and maximum daily/weekly withdrawal limits apply and vary by account level and payment method. These limits are displayed in your account dashboard and in the withdrawal section of the platform.
• Processing Timeframes: GCash and Maya withdrawals are typically processed within 5 to 15 minutes during business hours. Bank transfers may take 1 to 3 banking days depending on the receiving bank. Processing times may be extended during periods of high transaction volume or if additional verification is required.

pn365 reserves the right to withhold or delay withdrawals if fraud, collusion, money laundering, bonus abuse, or any violation of these Terms is suspected. In such cases, pn365 may conduct a detailed account review, request additional documentation, and take appropriate action, including account closure and forfeiture of funds if violations are confirmed.

4.3 Currency and Fees

All financial transactions on pn365 are conducted in Philippine Pesos (PHP). pn365 does not charge withdrawal fees for most payment methods, but your bank or payment provider may impose their own transaction fees, which are beyond pn365's control. Any applicable fees will be disclosed during the withdrawal request process.

5. Gaming Rules and Conduct

5.1 Fair Play and Game Integrity

All games offered on pn365 utilize certified Random Number Generator (RNG) systems or live dealer feeds from licensed providers. pn365 does not manipulate game outcomes, alter RNG algorithms, or engage in any fraudulent activity affecting game results. RTP (Return to Player) percentages, house edges, and game rules are published transparently and are audited by independent third-party testing laboratories.

Players agree to use the pn365 platform for personal entertainment purposes only and to refrain from any conduct that undermines the integrity of the games or the platform. Professional or commercial gambling activity may be subject to additional terms or restrictions.

5.2 Prohibited Gaming Activities

The following activities are strictly prohibited on the pn365 platform and may result in immediate account suspension, balance forfeiture, and reporting to appropriate authorities:

• Using any software, script, bot, macro, or automated system to interact with pn365 games or services;
• Exploiting any software bugs, errors, glitches, or vulnerabilities in games or the platform to gain an unfair advantage;
• Engaging in collusion with other players to manipulate game outcomes in live dealer or multiplayer games;
• Attempting to reverse-engineer, decompile, or tamper with pn365 software, game algorithms, or security systems;
• Using any form of artificial intelligence, card-counting software, or advantage-play technology not permitted under the applicable game rules;
• Engaging in chip dumping, money laundering, or any other financial crime through pn365 gaming transactions.

5.3 Disconnection and Technical Issues

pn365 shall not be liable for any loss of winnings, bets, or game progress resulting from internet disconnections, power failures, device malfunctions, or other technical issues outside our direct control. In the event of a server-side error or platform malfunction that materially affects game outcomes, pn365 reserves the right to void affected rounds and return the corresponding stakes. All disputed game outcomes must be reported to customer support within seventy-two (72) hours of the incident.

6. Bonuses, Promotions, and Wagering Requirements

pn365 may offer bonuses, free spins, cashback rewards, reload promotions, and other incentive programs to eligible players. All bonuses are subject to specific terms and conditions that are communicated at the time the offer is presented or made available. The following general rules apply to all pn365 bonus programs:

• Wagering Requirements: Bonuses are subject to wagering requirements (also referred to as rollover requirements or playthrough requirements). Unless stated otherwise, the standard wagering requirement is a minimum of thirty times (30x) the bonus amount before any bonus-derived winnings may be withdrawn.
• Time Limits: All bonuses expire within the timeframe specified in the applicable promotion terms, typically between 7 and 30 days from the date of credit. Expired bonuses and any associated winnings are automatically forfeited.
• Game Eligibility: Not all games contribute equally to wagering requirements. Slot games typically contribute 100%, while table games such as baccarat, blackjack, and roulette may contribute at reduced rates (typically 10%–25%). Live sabong and sports betting contributions vary by promotion. Game-specific contribution rates are detailed in each promotion's terms.
• Maximum Bet During Bonus Wagering: While wagering bonus funds, the maximum bet per round or per hand is limited as specified in the relevant promotion terms, typically ₱500 per bet. Placing bets exceeding this limit while bonus funds remain in your account may void the bonus and any associated winnings.
• One Bonus at a Time: Only one active bonus may be applied to your account at any given time unless a promotion explicitly states otherwise. Attempting to stack or combine multiple bonuses without express authorization is prohibited.
• pn365 Discretion: pn365 reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice. We also reserve the right to refuse, revoke, or reclaim any bonus in cases of suspected fraud, abuse, or violation of these Terms.

7. Prohibited Activities and Platform Misuse

In addition to the gaming-specific prohibitions described in Section 5, the following activities are forbidden across all aspects of the pn365 platform:

• Attempting to gain unauthorized access to pn365 systems, databases, servers, or other players' accounts;
• Conducting denial-of-service attacks, SQL injection attempts, or any other form of cybersecurity attack against pn365 infrastructure;
• Using pn365 services for any illegal purpose under Philippine law or international law, including money laundering, terrorist financing, fraud, or identity theft;
• Posting, transmitting, or distributing any harmful, offensive, defamatory, or illegal content through any communication channel on the pn365 platform;
• Harassing, threatening, or abusing pn365 customer support staff or other players via live chat, email, or any other communication channel;
• Making chargeback requests or payment disputes in bad faith while retaining winnings derived from the disputed deposit;
• Engaging in any activity that constitutes a violation of Philippine anti-money laundering laws, including Republic Act No. 9160 (Anti-Money Laundering Act) as amended.

8. Account Suspension and Termination

pn365 reserves the right to suspend, restrict, or permanently close any player account at any time, with or without prior notice, for any of the following reasons:

• Violation of any provision of these Terms and Conditions;
• Provision of false, fraudulent, or misleading information during registration or verification;
• Failure to comply with identity verification requests within a reasonable timeframe;
• Suspected fraudulent activity, money laundering, bonus abuse, or collusion;
• Receipt of a chargebacks or disputed payment from your financial institution;
• Legal, regulatory, or compliance requirements mandating account closure;
• Voluntary closure request submitted by the account holder;
• Self-exclusion request submitted through pn365 responsible gaming tools.

Upon account closure due to violations confirmed by pn365's investigation team, any remaining balance in your account (including deposits and winnings) may be forfeited. Where closure is not due to verified violations — such as voluntary closure or compliance-driven closure — pn365 will process a final withdrawal of your available non-bonus balance to your verified payment method within ten (10) business days.

You may voluntarily close your pn365 account at any time by contacting customer support. Please note that self-exclusion requests are separate from voluntary closure and are handled under the Responsible Gaming Policy.

9. Limitation of Liability and Disclaimer

To the maximum extent permitted by applicable Philippine law, pn365 shall not be liable for any of the following:

• Losses resulting from gambling activity conducted on the pn365 platform, including but not limited to wager losses, losing streaks, or adverse game outcomes;
• Indirect, incidental, special, or consequential damages arising from your use or inability to use pn365 services;
• Loss of data, loss of profits, or business interruption resulting from platform downtime, maintenance, or technical failures;
• Unauthorized access to your account resulting from your failure to maintain secure login credentials;
• Actions taken by third-party payment processors, financial institutions, or telecommunications providers in connection with your transactions;
• Any inaccuracies in published odds, RTP figures, or promotional materials that result from typographical or clerical errors, subject to our obligation to honor confirmed transactions.

The pn365 platform and all services are provided on an "as is" and "as available" basis. While we endeavor to maintain continuous, uninterrupted service, pn365 makes no warranty, express or implied, regarding the availability, reliability, accuracy, or fitness for a particular purpose of its platform or services.

10. Dispute Resolution

10.1 Internal Dispute Process

If you have a dispute concerning any aspect of your pn365 account, a game outcome, a financial transaction, or any other matter related to pn365 services, you must first contact pn365 customer support via the live chat feature or by emailing [email protected]. Please provide a clear description of your complaint, including all relevant account information, dates, transaction reference numbers, and supporting evidence.

pn365 will acknowledge receipt of your complaint within twenty-four (24) hours and will endeavor to resolve all disputes within seven (7) to fourteen (14) business days. Complex disputes requiring technical investigation may take longer; in such cases, pn365 will communicate an estimated resolution timeline.

10.2 Regulatory Escalation

If you are not satisfied with pn365's resolution of your dispute, you may escalate the matter to PAGCOR, the regulatory body overseeing pn365's operations. PAGCOR maintains formal player complaint procedures for disputes involving PAGCOR-licensed operators. By agreeing to these Terms, you acknowledge that PAGCOR's regulatory determinations shall be considered binding within the scope of applicable Philippine gaming regulations.

10.3 Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. Any legal proceedings arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of the Philippines, without regard to conflict of law provisions.

11. Modifications to These Terms

pn365 reserves the right to amend, revise, or update these Terms and Conditions at any time. Where changes are material, pn365 will provide reasonable notice via email to your registered address, via a notification within the pn365 platform, or by posting a prominent notice on the pn365 website.

The "Last Updated" date displayed at the top of this document reflects the most recent revision. It is your responsibility to review these Terms periodically to stay informed of any changes. Your continued use of pn365 services following the effective date of any modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must immediately cease using pn365 services and may request account closure.

12. Contact Information

For questions, concerns, or complaints regarding these Terms and Conditions or any aspect of pn365 services, please contact our support team:

• Live Chat: Available 24/7 through the pn365 platform (recommended for fastest response)
• Email: [email protected] (plain text — not a clickable link)
• Response Time: Live chat responses are typically immediate. Email responses are provided within 24 hours.

Our Filipino-English support team is available around the clock, including Philippine public holidays. We strongly encourage players to reach out with any questions before issues escalate. We are here to help — walang problema.