TERMS OF USE

I. Member’s Basic Information

To become a PIN8, ArenaPlus, and/or GameZone Member, new players may either personally register onsite or through remote/online registration. As part of the registration process, players are required to provide mandatory personal information and present one (1) valid government-issued Identification (ID) Card. By submitting their personal data, players acknowledge that they have read and understood the Data Privacy Policy, which outlines how their information will be collected, processed, and safeguarded in accordance with the Data Privacy Act of 2012. Only persons twenty-one (21) years of age and above and not among the banned personalities as provided under the Memorandum Circular No. 6, Series of 2016, of The Office of the President, shall strictly be allowed to register and avail of the services of an Online Gaming Platform.

II. Communications Opt In

In order to improve your experience with us, we may send you communication materials, including but not limited to administrative updates, regulatory notices, and promotional offers. You may opt out of receiving marketing-related communications at any time by adjusting your preferences in your account settings or by contacting our Customer Service at cs@PIN8.vip.

º E-mail º SMS º Phone Calls
º Social Media (Facebook, Instagram, Twitter, and the like)

III. Collection of Personal Information and Privacy Statement

By registering, and thereafter continuing to access or use any of the services, platforms, or facilities of PIN8, ArenaPlus, or GameZone, you signify your consent and authorization for PIN8, ArenaPlus, or GameZone to collect, process, store, and share your personal information such as but not limited to your complete name, date of birth, contact details, and other personal circumstances, as a requirement of the Philippine Amusement and Gaming Corporation (PAGCOR) and for the purpose of providing you with our various services.

For a safe and enjoyable gaming experience, your personal information upon registration shall likewise be collected and shared to company’s holding company, affiliates, subsidiaries, accredited operators duly licensed by PAGCOR, and other third parties, on a need-to-know basis, or to carefully selected partners or third- party service providers solely for the following:

1. For purposes of enhancing the security of customer’s account, safeguarding funds and for the establishment of a proactive risk control or risk management.
2. Provision of various services, administration of your account, accounting, market study, player and game tracking, profiling and customer assistance.
3. For release of prizes and implementation of promotional activities or games.
4. For purposes of business continuity and system migration in connection with all related gaming platforms in order to ensure uninterrupted access and improved user experience.
5. For the purpose of facilitating the orderly migration or transfer of player accounts, data, and related functionalities to a new or additional platform, provided that, such platform is duly licensed by PAGCOR and, provided further, that the transfer of any such information shall only be made to accredited operators duly licensed by PAGCOR. The disclosure, sharing, assignment, or transfer of data may involve personal information, including sensitive personal information, and all player-related data in the custody of PIN8, ArenaPlus, or GameZone. Such disclosure shall be limited to what is necessary for said migration or transfer and shall be subject to appropriate data protection and confidentiality safeguards consistent with applicable privacy and gaming laws and regulations.
6. Other analogous circumstances.

In processing your personal information/data PIN8, ArenaPlus, and GameZone adhere to a strict privacy policy in accordance with Republic Act No. 10173 or the Data Privacy Act of 2012.

1. In addition to the above-mentioned purposes, PIN8, ArenaPlus, and GameZone collect personal information/data, which will be used to facilitate the transaction, track and administer your account, and improve efficiency in providing you with our products and services.
2. PIN8, ArenaPlus, and GameZone shall keep the Member’s information strictly confidential. The information you give us will not be sold, shared with subsidiaries, third- party service providers, suppliers, related companies, or made available to the public, except in line with the disclosed purposes, in the course of our ordinary business, or when authorized by and in accordance with Philippine law or any valid order of the court or government agencies.
3. PIN8, ArenaPlus, and GameZone apply strict security measures and uses automated systems to make sure that the Data Privacy standards for confidentiality, integrity, and availability of your personal data are met. Our employees are trained to handle your personal data and we have internal controls in place to avoid and handle personal data breach.
4. PIN8, ArenaPlus, and GameZone is governed by the laws of the Republic of the Philippines. For all intents and purposes, the storage location of all personal data collected is in the Philippines.
5. Your information shall be kept in our system for as long as your account is active and for a period of at least one (1) year from your last visit.
6. For any complaints, which include, but is not limited to, the handling, correction, or request for deletion of your personal information, please contact us at cs@PIN8.vip.

IV. Terms and Conditions for Membership

PIN8, ArenaPlus, and GameZone is open to qualified individuals twenty-one (21) years old and above.

Pursuant to Presidential Decree 1869, as amended by Republic Act 9487, persons under 21 years of age or students of any school, college, or university in the Philippines are not allowed to play in this gaming establishment or in our Online Gaming Platform.

Pursuant to Malacañang Memorandum Circular No. 8, the following are not allowed to enter, stay, and/or play in the gaming establishment/platform:

1. Government officials and employees connected directly with the operation of the Government or any of its agencies.
2. Members of the Armed Forces of the Philippines, including the Army, Navy, Air Force, or the Philippine National Police.
3. Persons under 21 years of age.
4. PAGCOR officials and employees;
5. Unregistered players;
6. Banned individuals;
7. Spouse, common-law partner, children, parents of officials and persons mentioned in items (1), (2), and (4) above.
8. Persons included to the National Database of Restricted Persons;
9. Gaming Employment License (GEL) holders; and
10. Financiers/Loan Sharks and the like.

PIN8, ArenaPlus, and/or GameZone has the right to deny application or terminate the membership of any individual reasonably suspected to be violating or who is violating the terms and conditions of the membership, or applicable rule or regulation, or providing false or inaccurate information during the membership registration. By proceeding with the membership registration, you hereby attest and expressly confirm that you do not fall under any of the categories of the restricted persons above.

Funds or credits in the account of a player who is found ineligible to play shall mean forfeiture of said fund/credits in favor of the Government. In compliance with the latest rules and regulations of PAGCOR.

V. Responsible Gaming

Customers or players are required to be informed regarding of the responsible gaming reminders of PAGCOR such as the prohibition of playing online games in open and public places.

VI. Jackpot Winnings and Prizes

In accordance with the National Internal Revenue Code of the Philippines (NIRC), as amended by the Tax Reform for Acceleration and Inclusion Act (TRAIN Law), all jackpot and other prizes exceeding Ten Thousand Pesos (Php10,000.00) are subject to a final withholding tax of twenty percent (20%). The player acknowledges and agrees that PIN8, ArenaPlus, or GameZone is authorized to withhold and remit such tax to the Bureau of Internal Revenue (BIR) as required by law.

Definition of Terms

Jackpot Prize means the top prize won in a game. It may be a fixed amount or a progressive jackpot. It is won when a designated pattern or combination is achieved. It may also be won as a random jackpot prize.

Prize means cash offered or striven in game.

Interests, Prizes, and Other Winnings. A final tax at the rate of twenty percent (20%) is hereby imposed upon the amount of interest, yield, or any other monetary benefit earned from any currency bank deposit or deposit substitute, trust funds, and other similar arrangements (except prizes amounting to Ten thousand pesos (Php10,000) or less which shall be subject to tax under Subsection (A) of Section 24 under the NIRC as amended by the TRAIN Law.)

Tax Withholding: For all qualifying Jackpot prizes, the Operator is legally required to withhold twenty percent (20%) of the prize amount and remit the full tax amount to BIR.

Scope of Application: This rule applies to all games on the Platform, including both self- developed and third-party games.

User Rights: Players are not required to file or pay this tax separately. The filing and remittance of the tax is the sole responsibility of the Platform operator. Official tax forms are available to winners upon request.

VII. Binding Effect of Game Mechanics and Amendments

By registering for and/or using the online gaming platform, the player expressly acknowledges and agrees that all game mechanics, rules, and conditions—including any modifications, updates, or adjustments made from time to time—are binding upon the player. PIN8, ArenaPlus, and GameZone reserves the right, at its sole discretion, to revise, update, or modify any aspect of the gameplay, mechanics, features, or interface, with or without prior notice. Continued use of the platform after such changes constitutes the player’s acceptance of the revised game mechanics.

VIII. Authority to Determine Final Results

The player agrees that the platform, through its certified game engine and backend systems, has the sole and exclusive right to determine, validate, and declare the official and final result of any game or spin. By registering as a player, and accepting the Terms Of Use of the platform, the player has deemed that it has expressly accepted all the game results based on the sole and final determination of PIN8, ArenaPlus, or GameZone.

No challenge, claim, or dispute regarding the outcome of any game shall be entertained unless the player provides evidence of a technical malfunction not attributable to the player’s own device, network, or actions. The internal records, logs, and game history shall serve as the authoritative basis for resolving any discrepancies or disputes.

IX. Player Responsibility

It is the player’s responsibility to stay informed of the current game mechanics and updates. All such changes shall be deemed incorporated into this Terms of Use upon publication or implementation on the platform.

X. System Safety and Security

The online gaming system is designed with your safety and security as our top priorities. PIN8, ArenaPlus, and GameZone employ advanced and robust security protocols to protect your personal information and ensure a secure gaming environment.

To guarantee the fairness and integrity of our games, the online gaming system undergoes regular and rigorous testing by independent third-party laboratories. These tests are conducted to ensure that all games operate in accordance with industry standards and regulatory requirements. The online gaming system has been certified by Gaming Laboratories International (GLI), a globally recognized authority in gaming certification and testing. GLI certification means that our platform has met or exceeded the strict standards for fairness, randomness, and reliability set by GLI.

XI. Virtual Prize Wheel Feature in Covered Games

Virtual Prize Wheel feature is available in the majority of games offered on the platform, providing players with additional chances to win bonuses, rewards, or in-game prizes as part of the overall gaming experience. Each segment of the wheel represents a different prize amount.

1. How to Play

a. The player initiates a spin by clicking the virtual wheel interface.
b. Once the spin is activated, the system’s randomization algorithm computer program determines the outcome.
c. The result is displayed to the player via an on-screen pop-up notification and recorded in the player’s spin record history which are fully synchronized with the platform’s backend system, which serves as the conclusive determination of the official game outcome and winner.

2. Determination of Winner

The official and binding result of each spin shall be determined by the following:

a. Pop-up Notification – The on-screen message that appears immediately after each spin reflects the official result of the game and the reward (if any) received.

b. Spin Records – The result of each spin is recorded in the player’s spin history, accessible within the game interface. This record serves as a reference for both the player and the platform.

c. Backend System Records – The platform’s backend system, including transaction logs, shall serve as the final and authoritative source in the event of any discrepancy. These backend records shall prevail over any display issues.

3. No Manual Intervention

All outcomes are determined automatically by the certified game system and cannot be altered, influenced, or reversed by any party, including PIN8, ArenaPlus, GameZone or the player.

4. Dispute Resolution

In case of any discrepancy between the pop-up result, spin records, or any other display, the backend system logs and records shall be the sole basis for determining the actual outcome. The decision based on these records shall be final and unappealable.

XII. PIN8, ArenaPlus, or GameZone Has No Liability

I acknowledge and agree that no liability shall be attached to PIN8, ArenaPlus, or GameZone if the latter is unable to complete any funding instructions initiated by me for any reason beyond its control, including, but not limited to, the following:

i. If, through no fault of PIN8, ArenaPlus, or GameZone, my Account does not contain sufficient funds or if the deposit or withdrawal would exceed the transactional limit set for my Account;

ii. The payment processing center/system is not working properly or is under system maintenance and I am aware or have been advised by PIN8, ArenaPlus, or GameZone about the malfunction or system downtime or maintenance before I execute the fund transfer instructions

iii. I have not provided the correct account information, or information that I provided becomes incorrect; and/or

iv. Circumstances beyond the control of PIN8, ArenaPlus, or GameZone (such as, but not limited to, fire, flood, system breakdown, technical bugs or malfunction, and/or types of players; or interference from an outside force), even if foreseeable or foreseen, that may prevent the proper execution of the transfer instructions and PIN8, ArenaPlus, or GameZone have taken reasonable precautions to avoid those circumstances.

In the event of technical bugs, malfunctions or any analogous circumstances that may affect the game results, PIN8, ArenaPlus, or GameZone reserves the right, in its sole and exclusive discretion, to independently determine the game result subject to compliance with applicable rules and regulations of PAGCOR.

Account Suspension may be implemented due to the following reasons:

a. National Database for Restricted Persons – persons banned from gaming.
b. Multiple accounts – only one (1) Online Gaming Platform account shall be allowed per player.
c. Promo and Chips Abuser – Reasonable suspicion of being engaged in activities that are in breach of our promotional guidelines.
d. Underage and Banned Personalities – only persons twenty-one (21) years of age and above and not among banned personalities
e. Other transactions that may be deemed suspicious and subject to further investigation upon the sole and exclusive discretion of PIN8, ArenaPlus, or GameZone.
f. Use of bot software is not permitted and, if the player is found to have used such software, it will be considered cheating, and the player may be sanctioned accordingly.

XIII. Anti-Money Laundering (AML) Compliance Provision

1. Compliance with AML Laws:

a. You acknowledge and agree that PIN8, ArenaPlus, or GameZone, the operator of this Online Gaming Platform, is committed to full compliance with all applicable AML laws and regulations, including, but not limited to, the Anti-Money Laundering Act (the “AMLA”).

2. Customer Verification and Reporting:

a. By using the Online Gaming Platform, you consent to and understand that PIN8, ArenaPlus, or GameZone may perform customer verification checks and maintain records of your transactions in accordance with AMLA requirements.
b. You agree to report any suspicious or potentially AMLA-related activities or transactions to PIN8, ArenaPlus, or GameZone as soon as such activities are identified.

3. Record-Keeping:

a. PIN8, ArenaPlus, or GameZone shall maintain accurate records of your transactions and personal information as required by law, strictly for Anti-Money Laundering (AML) compliance. Such records will be securely stored and accessed only by authorized personnel. Retention of AML-related data will comply with legal requirements, and customers may request access to their records subject to applicable laws and regulations.

4. Termination of Accounts:

a. You acknowledge that PIN8, ArenaPlus, or GameZone reserves the right to suspend, terminate, or restrict access to the Platform for any player found to be involved in, or reasonably suspected of being involved in, money laundering or other illicit financial activities. PIN8, ArenaPlus, or GameZone may, but shall not have the obligation to, inform you prior to suspending, terminating or restricting the access pursuant to this clause.
b. You acknowledge the authority of PIN8, ArenaPlus, or GameZone to suspend, terminate or restrict the access and accordingly, you shall hold PIN8, ArenaPlus, or GameZone free and harmless against any and all consequences of such suspension, termination or restriction, or any loss or damage which you may suffer as a result thereof.

5. Cooperation with Investigations:

a. You agree to cooperate with PIN8, ArenaPlus, or GameZone, law enforcement agencies, and relevant authorities in the event of an AMLA investigation or inquiry.

6. Penalties for Non-Compliance:

a. You acknowledge that non-compliance with AMLA laws and regulations may result in legal penalties and could lead to the suspension, termination, or restriction of your account on the Platform and even criminal prosecution.

7. Amendments to AML Requirements:

a. You agree that PIN8, ArenaPlus, or GameZone may, at its discretion, amend its AMLA requirements to align with changes in AML related laws and regulations. You are expected to adhere to these changes promptly.

XIV. Insurance Protection for Your Deposit & Winnings

In PIN8, ArenaPlus, and GameZone, your verified deposits and winnings are safe. To give you extra peace of mind, we have partnered with an Insurance Company that can cover valid claims in case of non-payment.

What’s Covered

If we unjustifiably refuse or unable to release your confirmed deposits and winnings, you may file a claim with the Insurance Company.
The claim will cover the exact amount of your verified deposits and winnings that we failed to release, subject to the policy limits, restrictions, and conditions below.

What’s Not Covered

The Insurance Company will not cover claims if:
The winnings are based on fraudulent or invalid bets.
You violated our terms of use, promotional rules, or applicable rules of the Philippine Amusement and Gaming Corporation (PAGCOR).
PAGCOR or the courts have already ruled that your claim is not valid.
Your claim is disqualified based on the terms and conditions below.

Why This Matters

This insurance coverage is an added safeguard to protect players. While we remain fully committed and responsible for paying all your verified deposits and winnings, the insurance gives you extra assurance that your money is safe with us at all times.

Terms and Conditions of the Insurance Protection

The insurance policy shall provide limited coverage for non-payment of verified deposits and winnings of the Players, subject to the terms and conditions below.

1. Covered Risks

The Insurance Company may accept claims in cases where:

1.1. PIN8, ArenaPlus, and GameZone (collectively, the “Company”) refuses or fails to pay confirmed player deposits and winnings, provided that, the deposits and winnings are valid, duly recorded, and not subject to fraud, error, or breach of gaming rules.

1.2. The refusal to pay arises from business, operational, or liquidity issues, not from misconduct, fraud, mistake, negligence, or wrongdoing by the Player.

2. Eligibility

Insurance coverage may apply only if all of the following conditions are satisfied:

2.1. The Player is duly registered with any of the Company’s brands and has successfully completed electronic Know-Your-Customer (eKYC) verification.

2.2. The Player has made at least one successful verified deposit into his gaming account.

2.3. The Player remains in full compliance with the Terms of Use, promotion rules, and all applicable laws and regulations, including, but not limited to, the regulations of the Philippine Amusement and Gaming Corporation (PAGCOR).

2.4. The Player is not disqualified under Section 5 (Prohibited Persons).

2.5. The Insurance Policy remains active, valid, and unexpired for the period subject of the claim.

3. Exclusions and Disqualifications

The Insurance Company shall not be liable for claims in the following situations:

3.1. Fraudulent, manipulated, or invalid bets or deposits placed by the Player.

3.2. Winnings disputed due to violation of gaming or promotion rules, regulations, or terms of use.

3.3. Bonuses, locked funds, free bets, pending wagers, and promotional credits.

3.4. Deposits or winnings by virtue of any suspicious transaction or suspected unlawful activity.

3.5. Indirect or consequential losses, such as loss of opportunity, reputation, or emotional damages.

3.6. Normal gaming or betting losses without the fault or negligence of the Company.

3.7. Technical errors, hacks, account breaches, glitches, and other technical issues caused by the Player’s own negligence, mistake, or actions.

3.8. Player failed KYC/AML verification or violated PAGCOR rules or other applicable regulations.

3.9. Player terminated or closed his gaming account with the Company.

3.10. The account balance, deposits, or winnings is subject to dispute, investigation, or suspected unlawful activity.

3.11. Claims where the Player has not yet exhausted internal remedies with the Company (i.e., direct request for payment).

3.12. Cases where PAGCOR or the courts have issued a lawful order denying the claim.

3.13. The claim was filed beyond the prescribed period.

4. Claim Amount Covered

The Insurance Company’s liability shall be limited to the exact amount of verified deposits or winnings, subject to the policy limit per Player and per claim.

Insurance coverage is limited to a maximum of PHILIPPINE PESOS: ONE MILLION PESOS (Php1,000,000.00) per Player. The maximum aggregate limit is PHILIPPINE PESOS: ONE BILLION (Php1,000,000,000.00).

5. Prohibited Persons

The following individuals shall not be eligible for insurance coverage or claims:

5.1. Government officials and employees connected directly with the operation of the Government or any of its agencies;

5.2. Members of the Armed Forces of the Philippines, including the Army, Navy, Air Force, or the Philippine National Police;

5.3. Persons under 21 years of age;

5.4. PAGCOR officials and employees;

5.5. Unregistered players;

5.6. Banned individuals;

5.7. Spouse, common-law partner, children, parents of officials and persons mentioned in items (5.1), (5.2), and (5.4) above;

5.8. Persons included to the National Database of Restricted Persons;

5.9. Gaming Employment License (GEL) holders; and

5.10. Financiers/Loan Sharks and the like

5.11. Such other prohibited persons pursuant to applicable laws, rules, and regulations.

6. Prohibited Conduct

The following acts shall void eligibility and/or claims:

6.1. Filing a claim without complete and valid player registration and KYC.

6.2. Use of falsified, tampered, incomplete, or inconsistent documents.

6.3. Transfer, assignment, or sale of insurance coverage or benefits.

6.4. Filing multiple claims arising from the same incident.

6.5. Submitting duplicate or overlapping claims.

6.6. Use of another person’s account, ticket, or registration to file a claim.

6.7. Collusion between players and the Company’s staff to facilitate false claims.

6.8. Attempting to claim for transactions not covered by the Insurance Policy.

6.9. Any discrepancy between the Company’s records and claimant submissions.

7. Insurance Claims Process

Step 1: Initial Event

An insurance claim may arise when the Company refuses to release a player’s verified deposits or winnings for any reason covered by the insurance arrangement.

Step 2: Filing of Claim

The Player submits a formal claim directly to the Insurance Company, providing all required documents and evidence to support the claim.

Email : bondclaim@philfirst.com.ph
Tel No : (+632) 8892 8888 loc. 301

Step 3: Insurance Company Review

Upon receipt of a claim, the Insurance Company will review and determine the appropriate course of action. The Insurance Company may, in the course of its investigation, require an independent third-party validation by requesting the Player to secure a lawful written order from PAGCOR or competent court affirming the Player’s entitlement to his deposit and winnings. Upon presentation of such an order, the Insurance Company may process the claim and release the insurance proceeds.

Step 4: Final Decision

The Insurance Company retains the discretion to determine whether or not to pay the claim, based on the circumstances and supporting documents.

The insurer’s decision regarding claim validity and payment shall be final, executory, and binding, without prejudice to rights available under applicable laws. The Company shall not entertain appeals or disputes relating to the determinations made by the Insurance Company.

The Company reserves the right to amend, suspend, or terminate the Insurance Program at any time, subject to applicable regulations.

These Terms of Use are subject to changes, revisions, updates, and amendments from time to time without the need of prior notice or consent of the user.