spinco Terms & Conditions –
Your Agreement with Us

In these Terms & Conditions, the following terms have the meanings set out below unless context otherwise requires:

• "spinco," "we," "us," or "the Platform" refers to the spinco online gaming platform accessible at spinco.lat, operated under PAGCOR licensing for the Philippine market.
• "Player," "you," or "your" refers to any individual who accesses, registers with, or uses the spinco platform in any capacity.
• "Account" means the registered player account created by you upon completing the spinco registration process.
• "Wallet" or "Balance" refers to the Philippine Peso (PHP) balance held within your spinco Account, representing real money deposited and any winnings credited thereto.
• "Bonus Funds" means any promotional credits, free-play credits, cashback amounts, or other non-cash incentives credited to your Account as part of a spinco promotion.
• "Games" means all gaming products available on the spinco platform, including but not limited to bingo, online slots, live dealer casino games, sports betting, and sabong.
• "KYC" means Know Your Customer identity verification, the process by which spinco verifies the identity and eligibility of players as required by PAGCOR and applicable Philippine law.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the government agency that licenses and regulates spinco's operations.
• "Terms" means these Terms & Conditions, as amended from time to time by spinco.
• "PHT" means Philippine Standard Time (UTC+8).

By accessing the spinco platform, creating an Account, making a deposit, or placing any wager, you acknowledge that you have read, understood, and agree to be legally bound by these Terms in their entirety, together with the spinco Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

If you do not agree to any part of these Terms, you must immediately cease using the spinco platform and, if applicable, request closure of your Account in accordance with Section 12.

To be eligible to register and maintain an Account with spinco, you must satisfy all of the following conditions at all times:

• You are at least 21 years of age, consistent with PAGCOR requirements for casino-style online gaming in the Philippines.
• You are a natural person and are accessing spinco for personal, non-commercial recreational purposes.
• You are physically located within the Republic of the Philippines at the time of Account registration and during gameplay.
• You are not accessing spinco from a jurisdiction in which online gaming is prohibited by applicable law.
• You are not a current employee, director, officer, or contractor of spinco, nor are you an immediate family member of such an individual.
• You do not already hold an active or previously closed spinco Account under any identity.
• You have not been self-excluded from spinco or any other PAGCOR-licensed gaming platform during an active exclusion period.

spinco reserves the right to carry out eligibility verification at any time. Providing false information regarding your eligibility is a material breach of these Terms and will result in immediate Account closure and forfeiture of any Bonus Funds.

You must provide accurate, current, and complete information when registering your spinco Account, including your legal full name, date of birth, Philippine mobile number, and a valid email address. You are obligated to keep this information up to date throughout the life of your Account.

4.1 One Account Policy

Each individual may hold only one registered Account on the spinco platform. Registering multiple Accounts, whether under the same or different personal details, constitutes a material breach of these Terms. All duplicate Accounts will be closed, and any balances accrued through duplicate Accounts may be forfeited at spinco's discretion.

4.2 KYC Verification

spinco is required by PAGCOR to conduct KYC verification on all player Accounts. You will be required to submit acceptable proof of identity (such as a valid Philippine government-issued ID – UMID, passport, or driver's licence) and, where applicable, proof of address. KYC is typically triggered upon your first withdrawal request or when your cumulative transaction volume reaches a threshold set by spinco's compliance team.

Until KYC verification is complete, spinco may place restrictions on withdrawal functionality. Accounts that fail to complete KYC within a reasonable period following request will have withdrawal functionality suspended until compliance is achieved.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your spinco Login credentials. You must not share your password with any other person or permit any other person to access your Account. spinco will never request your password via email, SMS, or live chat. Any activity conducted through your Account while authenticated is deemed to have been authorised by you.

spinco accepts deposits and processes withdrawals via approved Philippine payment methods including GCash, PayMaya, BPI, BDO, Metrobank, and UnionBank. All transactions are denominated in Philippine Pesos (PHP). spinco does not accept cryptocurrency deposits or withdrawals.

5.1 Deposits

Deposits must originate from a payment account registered in your own name. spinco reserves the right to refuse deposits from third-party payment accounts and to return any funds received from unverified or mismatched sources. Minimum and maximum deposit limits are published in the Account cashier section and may be updated from time to time.

5.2 Withdrawals

Withdrawals may only be made to a payment account registered in your name and matching your verified KYC identity. Withdrawal requests are processed within the timeframes displayed in the cashier section, subject to completion of KYC and any applicable bonus wagering requirements. spinco does not charge fees on standard GCash and PayMaya withdrawals; banking channel fees may apply for bank transfer withdrawals.

5.3 Anti-Money Laundering

In compliance with Philippine Anti-Money Laundering Act (AMLA) obligations and PAGCOR anti-money laundering requirements, spinco may request additional documentation for large transactions or unusual activity patterns. Failure to provide requested documentation will result in withdrawal holds pending compliance review.

spinco may offer bonuses, free plays, cashback, and other promotional incentives to eligible players from time to time. All such offers are subject to specific terms and conditions communicated at the time of the promotion, which are incorporated into and form part of these Terms.

• Bonus Funds are subject to wagering requirements that must be met before any portion of the Bonus or associated winnings may be withdrawn.
• Unless otherwise specified, Bonus Funds must be wagered the stated number of times using eligible games within the validity period of the offer.
• spinco reserves the right to withdraw any bonus offer, modify bonus terms, or reclaim Bonus Funds credited in error at any time.
• Players who request a withdrawal of their real-money balance before meeting applicable bonus wagering requirements will forfeit the remaining Bonus Funds and any winnings derived therefrom.
• Each promotion is available once per player, household, device, IP address, and payment method unless explicitly stated otherwise.
• spinco reserves the right to exclude specific players from eligibility for individual promotions at its discretion, including where spinco reasonably believes a player is abusing promotional structures.

All Games offered on spinco are governed by individual game rules accessible within each game interface. These Terms apply in addition to individual game rules. In the event of a conflict, these Terms prevail except where individual game rules specifically supersede them.

7.1 Game Fairness

All spinco Games utilise certified random number generators (RNGs) or are delivered via accredited live studio feeds. Game outcomes are independently audited for fairness. Return-to-player (RTP) percentages for each game are disclosed within the game information panel.

7.2 Malfunction Policy

In the event of a game malfunction, technical fault, or network disconnection, spinco reserves the right to void the affected game round and return the wagered amount to the player's Wallet. No claim for winnings arising from a malfunctioning game will be honoured. spinco's decision regarding malfunction outcomes is final.

7.3 Bet Confirmation

All bets are confirmed at the point at which the game server registers the wager. Confirmation displayed on your device constitutes your acknowledgement of the bet terms. spinco's server records prevail over client-side displays in any dispute regarding bet placement or outcome.

The following conduct is strictly prohibited on the spinco platform and will result in immediate Account suspension, permanent closure, and where applicable, referral to PAGCOR or relevant Philippine law enforcement authorities:

• Providing false, misleading, or fraudulent information at any stage of registration, KYC, or payment processing.
• Using the spinco platform for money laundering, terrorist financing, or any other activity prohibited under Philippine law.
• Registering or operating multiple Accounts.
• Using automated software, bots, scripts, or any technical device to gain an unfair advantage in any Game.
• Exploiting software bugs, glitches, or errors to obtain winnings or credits not resulting from normal gameplay.
• Colluding with other players in live casino, poker, or any multi-player game format.
• Charging back deposits already used in gameplay.
• Engaging in abusive, harassing, or threatening behaviour toward spinco staff or other players in any communication channel.
• Accessing spinco from a jurisdiction where online gambling is illegal under applicable law.
• Allowing a self-excluded player to use your Account to continue gambling.

All content on the spinco platform – including but not limited to the spinco name, logo, trademarks, game graphics, software, text, images, and user interface design – is the intellectual property of spinco or its licensed third-party providers and is protected under applicable Philippine intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the spinco platform for personal recreational gaming purposes only. This licence does not permit you to copy, reproduce, modify, distribute, publicly display, or create derivative works from any spinco content without prior written permission.

To the maximum extent permitted by Philippine law, spinco's total liability to any player arising out of or in connection with these Terms, the player's Account, or use of the platform shall not exceed the real-money balance held in the player's Wallet at the time the claim arises.

spinco is not liable for:

• Any loss of profit, loss of opportunity, or indirect or consequential loss arising from use of or inability to access the platform.
• Interruptions to service caused by factors outside spinco's reasonable control, including but not limited to internet connectivity failures, Philippine network outages, force majeure events, or third-party payment processor delays.
• Any loss arising from the player's failure to maintain the security of their Account credentials.
• The content, availability, or accuracy of third-party services integrated into or linked from the spinco platform.

spinco is committed to providing a safe, fair, and responsible gaming environment for all Filipino players. The platform provides a suite of responsible gaming tools accessible directly from the Account dashboard, including deposit limits, session time reminders, cooling-off periods, and self-exclusion.

Self-exclusion requests are processed immediately and honoured for the full duration requested. During a self-exclusion period, the player's Account is suspended, marketing communications cease, and the platform will not accept re-registration attempts from the excluded player.

All players are reminded that gambling should be a form of entertainment and not a means of generating income or resolving financial difficulties. If you or someone you know may be experiencing gambling-related harm, we encourage you to visit the spinco Responsible Gaming page for support resources and self-help tools.

spinco strictly enforces the 21+ age requirement. Any Account found to belong to a player under the age of 21 will be closed immediately, and any outstanding real-money balance will be returned to the payment source used for deposit.

spinco reserves the right to suspend or permanently close any Account, with or without prior notice, where spinco reasonably believes that:

• The player has breached any provision of these Terms;
• The player has engaged in fraudulent, abusive, or illegal activity;
• Regulatory or compliance obligations require spinco to do so; or
• The player's activity poses a risk to the integrity of the spinco platform or other players.

Upon permanent Account closure for cause, spinco will conduct a review of the Account balance. Verified real-money deposits that are not subject to forfeiture under these Terms will be returned to the player's verified payment method within a reasonable period. Bonus Funds and any winnings derived exclusively from Bonus Funds may be forfeited upon Account closure for breach.

12.1 Voluntary Closure

Players may request voluntary Account closure at any time by contacting spinco support. Upon voluntary closure, your real-money Wallet balance will be processed for withdrawal to your verified payment method. Any active wagering requirements on Bonus Funds will be forfeited upon voluntary closure unless otherwise agreed.

In the event of a dispute regarding any Game outcome, transaction, bonus, or other Account matter, you should first contact the spinco customer support team at [email protected] with full details of the dispute, including your Account details, the date and time of the disputed event, and the nature of your complaint.

spinco will investigate all disputes in good faith and respond within seven (7) business days. For disputes involving game outcomes, spinco's server logs constitute the definitive record of events and will be reviewed by the spinco compliance team.

If a dispute cannot be resolved through spinco's internal process, the player may escalate the matter to PAGCOR through the official PAGCOR regulatory complaint process. spinco will cooperate fully with any PAGCOR-initiated investigation or adjudication.

spinco reserves the right to amend, update, or replace these Terms at any time. Where a material change is made, spinco will provide reasonable notice to registered players via email or platform notification at least seven (7) days prior to the amendment taking effect, except where an immediate change is required by law or regulatory direction.

The version of the Terms in effect at the time a dispute arises will govern that dispute. Continuing to use the spinco 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 cease using the platform and may request Account closure.

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to the Civil Code of the Philippines, the Electronic Commerce Act (Republic Act No. 8792), the Data Privacy Act of 2012 (Republic Act No. 10173), and applicable PAGCOR regulations.

Any dispute arising out of or in connection with these Terms that cannot be resolved through spinco's internal dispute resolution process or PAGCOR escalation shall be submitted to the exclusive jurisdiction of the courts of the Republic of the Philippines.

If you have any questions regarding these Terms & Conditions, wish to raise a formal complaint, or need to contact spinco for any Account-related matter, please reach us through the following channels:

spinco aims to respond to all formal written complaints within seven (7) business days. For urgent Account security matters, live chat support is available around the clock via the spinco platform.