Terms & Conditions

01 Introduction & Acceptance

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," "you") and padcor ("padcor," "we," "us," "our"), governing your access to and use of the padcor website located at padcor.net and all associated services, including but not limited to online casino games, sports betting, bingo, e-sabong, live dealer games, slot titles, promotional offers, and the padcor wallet and loyalty systems.

By accessing the padcor platform, completing the registration process, or using any padcor service in any capacity, you confirm that you have read, understood, and unconditionally agree to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must immediately cease using the padcor platform.

padcor operates within the regulatory framework established by the Philippine Amusement and Gaming Corporation (PAGCOR). All operations, player protections, and dispute resolution procedures are conducted in alignment with applicable PAGCOR regulations and Philippine law.

02 Eligibility & Registration

To register and maintain an active account on padcor, you must satisfy all of the following eligibility criteria at all times:

• You must be at least 21 years of age, as required by PAGCOR regulations applicable to online casino and sports betting services in the Philippines.
• You must be a natural person. Corporate entities, automated systems, and betting syndicates may not register as individual players.
• You must not be a current employee, contractor, director, or close family member of padcor or any of its affiliated companies, technology providers, or game suppliers.
• You must not be registered on any PAGCOR self-exclusion list or any other gambling exclusion database applicable in the Philippines.
• You must be accessing padcor from a jurisdiction where online gambling is legally permitted, and your participation must not violate any law applicable to you in your location.
• You must provide accurate, complete, and current information during registration. Submitting false information is a material breach of these Terms.

During registration, you will be required to provide your full legal name, date of birth, residential address in the Philippines, email address, and a valid mobile number. This information is used for identity verification, responsible gaming enforcement, and regulatory compliance purposes.

03 Account Management

3.1 Single Account Policy

Each eligible player is permitted to hold one (1) padcor account only. Duplicate accounts — regardless of the email address, phone number, GCash number, device, or IP address used to create them — are strictly prohibited. padcor uses advanced detection systems to identify accounts linked to the same individual. All duplicate accounts discovered will be closed, and any balances or winnings associated with those accounts may be forfeited.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your padcor account credentials, including your username, password, and any two-factor authentication codes. padcor will never ask you to share your password via email, live chat, or any other channel. You must notify padcor immediately at [email protected] if you suspect unauthorized access to your account.

padcor will not be held liable for any losses resulting from unauthorized use of your account where you have failed to maintain reasonable security over your login credentials.

3.3 Know Your Customer (KYC) Verification

padcor is required by PAGCOR regulations to verify the identity of all registered players before processing withdrawals. You may be asked to provide one or more of the following documents:

• Government-issued photo ID (PhilSys ID, passport, driver's license, UMID, SSS ID, or PRC ID)
• Proof of address (utility bill, bank statement, or barangay certification dated within the last 3 months)
• Proof of payment method ownership (screenshot of your GCash or Maya account showing your registered name)
• Selfie with your government ID for liveness verification

padcor reserves the right to request additional documentation at any time and to suspend withdrawal processing until verification is satisfactorily completed.

3.4 Account Inactivity

An account is considered inactive if there has been no login or wagering activity for a continuous period of 12 months. padcor will notify you by email before applying any inactivity fee. Inactivity fees, where applicable, will be clearly disclosed at the time of notification and will not reduce your account balance below zero.

04 Deposits & Withdrawals

4.1 Accepted Payment Methods

padcor accepts deposits and processes withdrawals through the following Philippine payment channels:

• GCash — instant deposit and withdrawal via linked GCash mobile number
• Maya (PayMaya) — instant deposit and withdrawal via linked Maya account
• BPI Online — bank transfer via BPI's interbank transfer network
• BDO — bank transfer via BDO online banking
• Metrobank — bank transfer via Metrobank online banking

All transactions on padcor are denominated in Philippine Peso (PHP / ₱). Minimum and maximum deposit amounts are displayed in the padcor Wallet section and may be updated from time to time.

4.2 Deposit Processing

GCash and Maya deposits are credited to your padcor wallet in real time, typically within 10 seconds of a successful transaction. Bank transfers may take 15–60 minutes depending on the sending bank's processing schedule and whether the transfer falls within banking hours. padcor does not charge deposit fees; however, your bank or e-wallet provider may apply their own transaction charges.

4.3 Withdrawal Processing

Withdrawal requests are subject to the following conditions:

• Your KYC verification must be fully approved before your first withdrawal is processed.
• Withdrawals must be sent to a payment method registered in the same name as your padcor account. Third-party withdrawals are strictly prohibited.
• GCash and Maya withdrawals are typically processed within 2 minutes of approval. Bank withdrawals may take 1–3 business days.
• padcor reserves the right to conduct additional security checks on withdrawal requests that trigger risk management protocols. This may temporarily delay processing.
• The maximum withdrawal amount per transaction and per day is displayed in the padcor Wallet section and may be subject to change.

05 Bonuses & Promotions

padcor offers a range of bonuses, free bet credits, free spins, reload bonuses, cashback offers, and loyalty rewards to eligible players. All promotional offers are subject to the following general conditions, as well as any specific terms published alongside each individual offer:

• Bonuses are available to players aged 21 and above who have completed KYC verification, unless otherwise stated in the specific promotion terms.
• Each promotion specifies a wagering requirement — the total amount you must wager before bonus funds or winnings derived from bonus funds can be withdrawn as cash. Wagering requirements are expressed as a multiplier (e.g., 30x means you must wager the bonus amount 30 times).
• Different game categories contribute to wagering requirements at different rates. Slot games typically contribute 100%; live dealer and table games may contribute at a reduced rate. The exact contribution rate for each game type is stated in the specific bonus terms.
• Bonus funds are separate from your real-money balance. Real money is wagered first, unless the specific bonus terms state otherwise.
• padcor reserves the right to withdraw, modify, or cancel any promotional offer at any time, with notice provided through the platform or by email where practicable.
• Bonus abuse — including but not limited to creating multiple accounts to claim the same promotion, or using risk-free betting strategies to extract bonus value — will result in bonus forfeiture and may result in account closure.

padcor's Loyalty Program operates as an ongoing reward structure separate from individual promotions. Loyalty points are earned on real-money wagers across all padcor game categories and convert to cashback credits. Full Loyalty Program terms are published on the dedicated Loyalty Program page.

06 Gameplay & Fair Play

padcor is committed to providing a fair, transparent, and enjoyable gaming environment for all players. The following principles govern all gameplay on the padcor platform:

6.1 Random Number Generators

All padcor casino games — including slots, virtual table games, and instant-win titles — use certified Random Number Generator (RNG) technology that has been independently tested and verified by accredited third-party testing laboratories. RNG certification ensures that game outcomes are statistically random, fair, and cannot be predicted or manipulated.

6.2 Return-to-Player (RTP)

The theoretical Return-to-Player (RTP) percentage for each slot and virtual game is published within the individual game's information panel. RTP figures represent long-run statistical averages across millions of game rounds and do not guarantee individual session results.

6.3 Technical Malfunctions

In the event of a technical malfunction, server error, or connectivity interruption that affects a game round, padcor reserves the right to void the affected game round and return the relevant stake to the player's account. padcor will not be liable for any losses arising from technical malfunctions beyond the return of the stake for the affected round.

6.4 Sports Betting

Sports betting markets on padcor are offered on Philippine and international sporting events. All bets are settled in accordance with the official result of the relevant sporting body. padcor reserves the right to void bets placed on markets affected by obvious pricing errors, match-fixing investigations, or events cancelled before completion. Specific sports betting rules for each sport and market type are published in the sportsbook section of the platform.

07 Prohibited Activities

The following activities are strictly prohibited on the padcor platform and will result in immediate account suspension, closure of all associated accounts, forfeiture of funds, and potential reporting to Philippine law enforcement authorities:

• Registering more than one padcor account, or assisting another person in circumventing the single-account policy
• Providing false, misleading, or fraudulent information during registration, KYC, or at any other time
• Using automated software, bots, scripts, or artificial intelligence tools to interact with padcor games, the sportsbook, or any other platform feature
• Exploiting software bugs, game glitches, or pricing errors knowingly for financial gain
• Engaging in chip dumping, collusion, or any form of cooperative play designed to gain an unfair advantage in poker or table games
• Using padcor for any money laundering, terrorist financing, or other illegal financial activity
• Attempting to access padcor from a jurisdiction where online gambling is prohibited
• Sharing your account credentials with any third party or allowing any other person to use your padcor account
• Engaging in chargebacks or payment reversals fraudulently after wagering deposited funds
• Threatening, harassing, or abusing padcor staff or other players through any communication channel

08 Responsible Gaming

padcor takes its responsible gaming obligations seriously. Gambling is intended to be a form of entertainment — not a source of income or a way to resolve financial difficulties. padcor provides the following tools and resources to help players maintain control over their gambling activity:

• Deposit Limits: Set daily, weekly, or monthly limits on how much you can deposit into your padcor account. Limits take effect immediately when reduced and require a cooling-off period when increased.
• Session Time Limits: Set a maximum duration for each gaming session. padcor will notify you when your session limit is approaching.
• Cool-Off Periods: Take a break from gambling for a defined period (24 hours, 7 days, or 30 days) without permanently closing your account.
• Self-Exclusion: Permanently exclude yourself from the padcor platform. Self-exclusion requests are processed within 24 hours and cannot be reversed for a minimum period of 6 months.
• Reality Checks: Receive periodic on-screen reminders showing how long you have been playing and how much you have wagered during the current session.

All responsible gaming tools are accessible directly from your padcor account settings. padcor encourages all players to use these tools proactively. For more detailed information, please visit the dedicated Responsible Gaming page.

09 Privacy & Data

padcor collects, processes, and stores your personal data in accordance with its Privacy Policy, which is published at padcor.net/privacy-policy. By accepting these Terms, you also acknowledge and consent to the data practices described in the Privacy Policy.

In summary, padcor collects personal data necessary for account registration, KYC verification, payment processing, fraud prevention, responsible gaming compliance, and customer support. padcor does not sell your personal data to unaffiliated third parties. Data is shared only with regulated service providers necessary to operate the platform, and with Philippine regulatory authorities as required by law.

padcor implements industry-standard security measures including TLS encryption for all data in transit and encryption-at-rest for sensitive stored data. You have the right to request access to, correction of, or deletion of your personal data, subject to padcor's legal retention obligations under Philippine law.

10 Intellectual Property

All content on the padcor platform — including but not limited to the padcor brand name and logo, website design and layout, game graphics and audio, software code, promotional materials, and written content — is the exclusive intellectual property of padcor or its licensed content providers and is protected under applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the padcor platform solely for your personal entertainment. You may not copy, reproduce, distribute, publicly display, modify, or create derivative works from any padcor content without prior written permission from padcor.

Game titles and content provided by third-party software providers (including Pragmatic Play, NetEnt, Habanero, and others) remain the intellectual property of their respective owners and are licensed to padcor for display on the platform.

11 Limitation of Liability

To the maximum extent permitted by applicable Philippine law, padcor's total liability to you for any claim arising out of or in connection with these Terms or your use of the padcor platform shall be limited to the amount of funds held in your padcor account at the time the claim arose.

padcor shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or business interruption, even if padcor has been advised of the possibility of such damages.

padcor does not warrant that the platform will be available without interruption, error-free, or free from viruses or other harmful components. padcor will make commercially reasonable efforts to maintain platform availability but cannot guarantee uninterrupted service, particularly during scheduled maintenance windows or events outside padcor's reasonable control (force majeure).

12 Suspension & Termination

padcor reserves the right to suspend or permanently close any player account at any time, with or without prior notice, in any of the following circumstances:

• Breach of any provision of these Terms
• Fraudulent, abusive, or suspicious activity detected on the account
• Failure to complete KYC verification within a reasonable time
• Receipt of a regulatory directive from PAGCOR or another competent Philippine authority
• Account inactivity as described in Section 3.4
• A self-exclusion request submitted by the account holder

Upon account closure, any real-money balance remaining in your account (after deduction of applicable bonus funds that have not met wagering requirements) will be returned to your verified payment method, subject to padcor completing any outstanding security or compliance checks.

You may close your padcor account voluntarily at any time by contacting support at [email protected]. Voluntary account closure does not affect padcor's right to retain records as required by Philippine law.

13 Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any legal proceedings arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of Manila, Philippines.

padcor operates in compliance with the rules, regulations, and directives issued by the Philippine Amusement and Gaming Corporation (PAGCOR). In the event of any conflict between these Terms and applicable PAGCOR regulations, the applicable PAGCOR regulations shall prevail.

14 Amendments

padcor reserves the right to amend these Terms at any time. When material changes are made, padcor will notify registered players via email and/or a prominent notice on the platform at least 7 days before the changes take effect, unless a shorter notice period is required by law or regulatory directive.

The most current version of these Terms is always available at padcor.net/terms-conditions. Your continued use of the padcor platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must close your account before the effective date.

15 Contact Information

If you have any questions, concerns, or complaints regarding these Terms or any aspect of the padcor platform, please contact the padcor support team through the following channel:

• Email: [email protected]
• Live Chat: Available 24/7 through your padcor account dashboard
• Response Time: Live chat connections to a support agent average under 90 seconds

padcor is committed to resolving all player complaints fairly and promptly. If your complaint cannot be resolved through direct support contact, escalation procedures are available in accordance with PAGCOR's dispute resolution framework.