panaloka Terms & Conditions

1. Acceptance of Terms

By accessing or using the panaloka platform – whether through the website at panaloka.net, the Android app, or the iOS app – you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, along with the Privacy Policy and any additional rules applicable to specific games or promotions available on the platform.

If you do not agree to any part of these Terms, you must stop using panaloka immediately and must not register an account. Continued use of the platform after any published update to these Terms constitutes acceptance of the revised version.

2. Eligibility

To register and use a panaloka account, you must meet all of the following requirements:

• You must be at least 21 years of age. panaloka does not accept registrations from persons under 21.
• You must be physically located in the Philippines at the time of accessing the platform.
• You must be legally permitted to participate in online gaming under the laws applicable to you.
• You must not be a current employee, contractor, or immediate family member of a panaloka employee.
• You must not have a previously suspended or terminated panaloka account.

panaloka reserves the right to request proof of age and identity at any time. Accounts found to belong to underage players will be suspended immediately, and any balance held will be dealt with in accordance with applicable regulations.

3. Account Registration

Each player is permitted to hold only one panaloka account. Creating duplicate accounts – whether using the same identity, different contact details, or multiple devices – is strictly prohibited and may result in account suspension and forfeiture of balances across all associated accounts.

Registration Information

When registering, you are required to provide accurate, current, and complete information including your full legal name, date of birth, valid Philippine contact number, and email address. You must notify panaloka promptly if any of this information changes.

Identity Verification (KYC)

panaloka applies Know Your Customer (KYC) procedures in line with standard practice for online gaming platforms. Before processing your first withdrawal, you will be required to submit valid identity documents. Acceptable documents include a valid Philippine government-issued ID. Failure to complete KYC verification will prevent withdrawal processing until the requirement is satisfied.

Account Responsibility

You are fully responsible for all activity that occurs under your panaloka account. You must not allow any other person to access or use your account. If you suspect unauthorised access, you must contact panaloka support immediately.

4. Deposits and Withdrawals

All transactions on panaloka are conducted in Philippine Peso (PHP). No foreign currency conversion applies to deposits or withdrawals.

Deposits

Deposits may be made using supported Philippine payment channels including online banking, bank transfer, GCash, and Maya. Minimum and maximum deposit amounts may apply and are displayed at the point of transaction. Funds deposited through a given payment method should generally be withdrawn through the same method where operationally possible.

Withdrawals

Withdrawals are processed to verified Philippine bank accounts or supported e-wallet accounts in PHP. To initiate a withdrawal, you must have completed KYC verification. Withdrawal processing times vary by payment channel. panaloka does not charge withdrawal fees on standard transactions, but your bank or e-wallet provider may apply their own fees.

Prohibited Funding Methods

Deposits using cryptocurrency or credit cards are not accepted on panaloka. Attempting to deposit through unsupported channels will result in the transaction being rejected.

5. Betting and Gaming Rules

All bets and gaming sessions on panaloka are subject to the specific rules applicable to each game or market. These rules are published within each game and betting section of the platform.

General Betting Rules

• All bets are final once confirmed. Bets cannot be cancelled or modified after placement unless a specific cash-out or bet edit feature is available for that market.
• Minimum and maximum stake limits apply per bet and per game. These are displayed at the point of wagering.
• In the event of a technical fault affecting a gaming session or live sports event, panaloka reserves the right to void affected bets. This decision is final.
• panaloka may restrict or close markets at any time without prior notice.

Sports Betting

Sports markets on panaloka cover PBA basketball, NBA, boxing, football, volleyball, esports (including MPL Philippines), and a range of international competitions. Settlement of all sports bets is based on official results as determined by the relevant governing body or competition organiser. In-play betting is subject to the rules of the specific market as displayed during the event.

Casino and Slot Games

Slot games, live casino, eBingo, and online poker are all chance-based or skill-based games with outcomes determined by certified random number generation or live play. No outcome can be predicted, controlled, or guaranteed. Game rules are displayed within each game interface.

6. Bonuses and Promotions

panaloka offers various promotions including welcome bonuses, reload bonuses, cashback offers, free spins, and VIP rewards. Each promotion is subject to its own specific terms and conditions, which are published alongside the offer on the Promotions page.

General Bonus Rules

• Bonus funds are subject to wagering requirements before they can be converted to withdrawable cash. The specific requirement is stated in each offer's terms.
• Only one promotion may be active at a time unless otherwise specified.
• Bonuses are available to eligible accounts only. panaloka reserves the right to determine eligibility at its discretion.
• Abuse of promotional offers – including bonus hunting, arbitrage, or use of multiple accounts to claim offers multiple times – may result in account suspension and forfeiture of bonus funds and associated winnings.
• panaloka does not guarantee the availability of any specific promotion and may modify or withdraw offers at any time.

7. Account Security

You are solely responsible for maintaining the confidentiality of your panaloka account login credentials, including your password and any OTP codes sent to your registered mobile number or email.

• Never share your login credentials with any other person.
• Do not access your panaloka account on shared or public devices without logging out immediately after each session.
• If you suspect your account has been accessed by an unauthorised person, contact panaloka support immediately to secure your account.
• panaloka will never ask for your full password via email, chat, or any other channel.

panaloka uses SSL encryption across the platform and applies OTP verification at login as standard security measures. These protections supplement your own responsibility to keep your account details secure.

8. Responsible Gaming

panaloka is committed to supporting responsible gaming. The platform provides tools to help players manage their activity, available through the account settings dashboard.

Available Tools

• Deposit limits: Set daily, weekly, or monthly PHP deposit caps on your account.
• Session time limits: Receive reminders or automatic session endings after a set time period.
• Self-exclusion: Voluntarily block access to your panaloka account for a defined period or indefinitely.

Age Restriction

panaloka strictly enforces the minimum age requirement of 21. Parents and guardians are reminded to keep devices secure to prevent underage access to online gaming platforms. If you are aware of a minor attempting to use panaloka, contact support immediately.

For more information on responsible gaming tools and support, visit the Responsible Gaming section of the panaloka platform.

9. Intellectual Property

All content on the panaloka platform – including but not limited to the brand name, logo, website design, game interfaces, text, graphics, and software – is the property of panaloka or its licensed content providers and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, or publicly display any panaloka content without prior written permission. Unauthorised use of panaloka's intellectual property may result in account termination and may be subject to legal action.

10. Limitation of Liability

panaloka provides its platform on an "as available" basis. While every effort is made to ensure continuous service, panaloka does not guarantee uninterrupted access and accepts no liability for losses arising from:

• Platform downtime, maintenance periods, or technical disruptions beyond our reasonable control.
• Delayed or failed transactions caused by third-party payment providers.
• Losses incurred as a result of gaming activity on the platform.
• Actions taken by third parties affecting your account security where you failed to maintain appropriate credential confidentiality.

To the maximum extent permitted by applicable Philippine law, panaloka's aggregate liability to you for any claim shall not exceed the amount of funds held in your panaloka account at the time the claim arises.

11. Account Termination

panaloka may suspend or permanently close your account at any time and without prior notice if:

• You are found to have violated any provision of these Terms and Conditions.
• You provide false, inaccurate, or misleading registration information.
• Fraudulent, deceptive, or abusive activity is detected on your account.
• You engage in collusion, match-fixing, or any form of cheating.
• You abuse promotional offers or exploit system errors.
• Your account fails to pass required KYC or identity verification checks.

You may also close your panaloka account voluntarily at any time by contacting support. Upon account closure, any remaining PHP balance will be processed for withdrawal to your verified payment method after any outstanding wagering requirements and KYC obligations have been resolved.

12. Changes to These Terms

panaloka reserves the right to update or amend these Terms and Conditions at any time. When material changes are made, the updated Terms will be published at panaloka.net/terms-conditions with a revised "Last updated" date.

It is your responsibility to review these Terms periodically. Continued use of the platform following the publication of updated Terms constitutes your acceptance of the changes. If you disagree with any updated Terms, you should stop using panaloka and contact support to arrange closure of your account.

For questions about these Terms, contact panaloka support through the platform's support channels. Contact details are available in your account dashboard after logging in.