panalko Terms & Conditions

1 Acceptance of Terms

By accessing, registering on, or using any part of the panalko platform (the "Platform"), you ("Player," "User," or "You") agree to be legally bound by these Terms and Conditions (the "Agreement"), along with panalko's Privacy Policy, Responsible Gaming Policy, and any additional rules, guidelines, or policies published on the Platform from time to time (collectively, the "Terms").

If you do not agree to any part of these Terms, you must immediately discontinue access to and use of the panalko Platform. Continued use of the Platform following the publication of updated Terms constitutes your acceptance of those changes.

panalko reserves the right to refuse service, suspend accounts, or restrict access to any user at its sole discretion, particularly where compliance with applicable Philippine law, PAGCOR regulations, or these Terms cannot be verified or maintained.

2 Eligibility and Account Registration

2.1 Age Requirement

You must be at least twenty-one (21) years of age to register for and use the panalko Platform. This minimum age is established pursuant to the regulations administered by the Philippine Amus ement and Gaming Corporation (PAGCOR). panalko strictly enforces this requirement and reserves the right to request age verification documentation from any account holder at any time.

2.2 Residency and Jurisdiction

The panalko Platform is operated for and directed at players physically located within the Philippines. By registering, you confirm that you are not accessing the Platform from a jurisdiction where online gambling is prohibited. It is your sole responsibility to ensure that your use of panalko complies with the laws applicable in your location.

2.3 Registration Requirements

To open a panalko account, you must provide accurate, complete, and current information including, but not limited to:

• Full legal name as it appears on a valid Philippine government-issued identification document
• Date of birth confirming you are 21 years of age or older
• Valid email address and mobile number
• Residential address within the Philippines
• Preferred currency (Philippine Peso, PHP)

panalko may require you to submit supporting documentation to verify the information provided during registration, including a valid government-issued ID (such as a PhilSys card, passport, driver's licence, or SSS/GSIS ID), proof of address, or proof of payment method ownership.

2.4 One Account Policy

Each individual player is permitted to maintain only one (1) registered account on the panalko Platform. Registration of multiple accounts by the same individual — whether under the same or different personal details — is strictly prohibited. Where duplicate accounts are identified, panalko reserves the right to close all associated accounts, void any pending or settled bets placed from those accounts, and forfeit any balances held therein.

2.5 Prohibited Persons

The following categories of persons are not eligible to register for or use the panalko Platform:

• Individuals under 21 years of age
• Employees, contractors, directors, or officers of panalko or its affiliated entities, and their immediate family members
• Persons who have voluntarily self-excluded from panalko or from any other gaming platform under a self-exclusion arrangement recognised by panalko
• Persons listed on any PAGCOR exclusion register or equivalent regulatory database
• Persons acting as agents or nominees for any third party for the purpose of placing wagers

3 Account Security and Responsibility

3.1 Credentials

You are solely responsible for maintaining the confidentiality of your panalko account credentials, including your username and password. You must not share your login details with any other person. panalko will not be held liable for any loss or damage arising from unauthorised access to your account resulting from your failure to keep your credentials secure.

3.2 Unauthorised Access

If you suspect that your panalko account has been accessed without your authorisation, you must notify panalko immediately by contacting [email protected] or through live chat. panalko recommends that all account holders enable two-factor authentication (2FA), which is available as a free security feature within account settings.

3.3 Account Accuracy

You are responsible for ensuring that all personal information associated with your panalko account remains accurate and up to date. You must promptly update your account details if any information changes. Providing false, misleading, or outdated information may result in account suspension and the withholding of withdrawals pending verification.

3.4 Account Inactivity

An account that has not recorded any login activity for a continuous period of twelve (12) months shall be classified as inactive. panalko reserves the right to apply an inactivity administration fee to dormant accounts, the amount of which will be disclosed in the Platform's current fee schedule. Players will be notified by email prior to any fee being applied. Accounts with a zero balance may be closed following the inactivity period.

4 Deposits and Withdrawals

4.1 Accepted Payment Methods

panalko accepts deposits and processes withdrawals exclusively in Philippine Pesos (PHP) via the following payment methods:

• GCash
• PayMaya (Maya)
• BPI Online Banking
• BDO Online Banking
• Metrobank Online Banking
• UnionBank Online Banking

All payment methods used must be registered in your own name. The use of third-party payment accounts to fund your panalko balance is strictly prohibited and may result in account suspension and forfeiture of funds.

4.2 Deposit Processing

Deposits made via GCash and PayMaya are typically reflected in your panalko account balance in real time. Deposits made via bank transfer may take up to two (2) banking business days to reflect, depending on the processing times of your bank. panalko does not impose a processing fee on deposits; however, your payment provider may apply its own transaction charges.

4.3 Withdrawal Processing

Withdrawal requests are subject to identity verification and must comply with panalko's Know Your Customer (KYC) requirements. Verified accounts can expect withdrawals to be processed within the following standard timeframes:

• GCash and PayMaya: typically within 1 to 24 hours
• Bank transfers (BPI, BDO, Metrobank, UnionBank): typically within 1 to 3 banking business days

Withdrawals may only be returned to the same payment method used to make the original deposit, in accordance with anti-money laundering requirements. panalko reserves the right to conduct additional verification checks before processing any withdrawal request.

4.4 Anti-Money Laundering

panalko complies with applicable Philippine anti-money laundering laws, including the Anti-Money Laundering Act (AMLA) as amended. panalko reserves the right to report suspicious transactions to the Anti-Money Laundering Council (AMLC) as required by law. Players may be required to provide source-of-funds documentation for large deposits or withdrawal requests.

5 Bonuses and Promotions

5.1 General Bonus Terms

panalko offers various bonuses and promotions to eligible players from time to time. All bonuses are subject to specific terms including wagering requirements, minimum deposit thresholds, game eligibility restrictions, and expiry dates. These terms are communicated in the relevant promotion details page on the Platform and must be read and accepted before opting in to any promotion.

5.2 Wagering Requirements

Bonus funds credited to your account are subject to wagering requirements before they may be converted to withdrawable real-money funds. The applicable wagering multiplier for each promotion is stated in the promotion's specific terms. Only wagers placed on eligible games contribute to wagering requirement completion; certain game categories may be excluded or contribute at a reduced rate.

5.3 Bonus Abuse

panalko maintains a zero-tolerance policy for bonus abuse. Activity that panalko determines, in its reasonable judgement, to constitute bonus abuse — including but not limited to placing low-risk opposing bets to clear wagering requirements, exploiting technical errors, or coordinating with other players to abuse promotions — will result in the cancellation of the relevant bonus, forfeiture of any winnings derived from that bonus, and may result in account suspension.

5.4 VIP Programme

panalko's VIP programme is invitation-based and subject to its own separate terms and conditions. VIP benefits, cashback rates, tier maintenance requirements, and other programme details are communicated directly to eligible members. panalko reserves the right to modify, suspend, or terminate the VIP programme at any time with reasonable notice to affected members.

6 Game Rules and Betting

6.1 Game Rules

Each game available on the panalko Platform is governed by its own set of rules, which are accessible within the game interface. You are responsible for familiarising yourself with the rules of any game before placing a wager. panalko is not liable for losses arising from a player's misunderstanding of game rules.

6.2 Bet Finality

Once a wager has been confirmed and accepted by the panalko system, it is final and cannot be cancelled, modified, or reversed by the player. Settlement of bets is conducted in accordance with the applicable game rules and, where applicable, verified data from authorised event data providers.

6.3 Malfunctions

In the event of a technical malfunction — including but not limited to server errors, connectivity failures, or game software errors — panalko reserves the right to void affected bets and return stakes to the player's account. panalko is not liable for losses arising from technical malfunctions beyond its reasonable control. Malfunction voids all pays and plays.

6.4 Minimum and Maximum Bet Limits

Minimum and maximum bet limits apply to all games and betting markets on the Platform. These limits are displayed within each game or market. panalko reserves the right to amend bet limits at any time without prior notice, including imposing individual account-level limits where panalko considers this appropriate in the interests of responsible gaming or operational integrity.

7 Prohibited Conduct

The following conduct is strictly prohibited on the panalko Platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of balances, and referral to relevant Philippine law enforcement or regulatory authorities:

• Registering multiple accounts or allowing another person to use your account
• Providing false, fraudulent, or misleading information during registration or verification
• Using automated betting software, bots, scripts, or artificial intelligence tools to place wagers or interact with the Platform
• Exploiting software bugs, errors, or vulnerabilities in the Platform or any game
• Engaging in collusion with other players for the purpose of gaining an unfair advantage
• Engaging in or facilitating money laundering, fraud, or any other financial crime through use of the Platform
• Attempting to reverse-engineer, decompile, or tamper with any part of the panalko Platform or its software
• Using the Platform in a manner that disrupts, damages, or impairs its availability or performance for other users
• Threatening, harassing, or abusing panalko staff or other players

8 Responsible Gaming

panalko is committed to promoting responsible gaming among all Filipino players on the Platform. Gambling is intended to be an enjoyable form of entertainment — not a means of generating income or resolving financial difficulties.

8.1 Player Protection Tools

The following responsible gaming tools are available to all registered panalko players at no cost and may be activated at any time from account settings:

• Deposit Limits: Set daily, weekly, or monthly limits on the amount you can deposit. Limit reductions take effect immediately; increases are subject to a 24-hour cooling-off period.
• Session Time Reminders: Set alerts to notify you when a specified duration of continuous play has elapsed.
• Reality Checks: Periodic on-screen prompts displaying your net gaming activity for the current session.
• Self-Exclusion: Temporarily or permanently exclude yourself from the Platform. Temporary exclusions are available for periods of 30, 60, or 90 days. Permanent self-exclusion is irrevocable for a minimum period of five (5) years.

8.2 Seeking Help

If you believe you or someone you know may have a gambling problem, please visit the panalko Responsible Gaming page for information on support resources available to Filipino players. panalko takes problem gambling seriously and will cooperate fully with any referral to professional support services.

9 Intellectual Property

All content on the panalko Platform — including but not limited to the panalko brand name and logo, website design and layout, game graphics and software, written content, promotional materials, and data compilations — is the exclusive intellectual property of panalko or its licensed content providers and is protected under applicable Philippine intellectual property law.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your personal, non-commercial gaming purposes only. You may not reproduce, distribute, publicly display, modify, reverse-engineer, or create derivative works from any part of the Platform without panalko's prior written consent.

10 Limitation of Liability

To the fullest extent permitted by applicable Philippine law, panalko's total liability to you arising out of or in connection with your use of the Platform — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the total amount of real-money funds held in your panalko account at the time the relevant claim arises.

panalko shall not be liable for any indirect, consequential, incidental, special, or exemplary loss or damage, including but not limited to loss of profits, loss of data, or reputational damage, arising from your use of the Platform.

panalko does not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. You access and use the Platform at your own risk, subject to the protections set out in these Terms.

11 Privacy and Data Protection

panalko collects, processes, and stores your personal information in accordance with its Privacy Policy, which forms part of these Terms and is incorporated herein by reference. By registering for a panalko account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

panalko implements industry-standard security measures — including 256-bit SSL encryption and secure data storage protocols — to protect your personal and financial information. panalko will not sell, rent, or transfer your personal data to unaffiliated third parties except as required by law or as described in the Privacy Policy.

12 Amendments to Terms

panalko reserves the right to amend, update, or replace these Terms at any time. Where a material change is made, panalko will provide reasonable notice to registered account holders via email or a prominent notice on the Platform. Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the updated Terms.

We encourage you to review these Terms periodically. The "Last Updated" date at the top of this page indicates when the Terms were most recently revised.

13 Governing Law and Disputes

These Terms and any dispute or claim arising out of or in connection with them — including non-contractual disputes — shall be governed by and construed in accordance with the laws of the Republic of the Philippines.

In the event of any dispute between you and panalko, you agree to first contact panalko's support team and attempt to resolve the matter informally. If the dispute cannot be resolved informally within thirty (30) days of notification, either party may refer the matter to the appropriate dispute resolution body or competent courts of the Philippines.

For disputes relating to the regulatory operation of the Platform, players may also contact PAGCOR through its official channels for assistance.

14 Contact and Support

If you have any questions about these Terms and Conditions, or if you wish to raise a complaint or concern about your panalko account or the Platform, please contact us through the following channels:

• General Support: [email protected]
• VIP & Partnerships: [email protected]
• Live Chat: Available 24/7 from the panalko Platform
• Email Support Hours: 8:00 AM to 12:00 AM Philippine Time (PHT)

panalko is committed to responding to all support enquiries within a reasonable timeframe and to resolving player concerns fairly and transparently in accordance with these Terms.