lagoph Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "you") and lagoph ("lagoph," "we," "us," or "our"), governing your access to and use of the lagoph online casino and sports betting platform accessible at lagoph.com, including all associated mobile interfaces, applications, and services (collectively, the "Platform").

By creating a lagoph account, accessing the Platform, depositing funds, or placing any bet, you confirm that you have read, understood, and unconditionally accepted these Terms in their entirety. If you do not agree with any part of these Terms, you must immediately cease using the lagoph Platform and close your account.

lagoph operates under a license issued by the Philippine Amusement and Gaming Corporation (PAGCOR), the regulatory body responsible for overseeing legal online gambling in the Philippines. Our operations are subject to PAGCOR rules, regulations, and directives, which take precedence over these Terms where applicable.

lagoph reserves the right to update these Terms at any time. Continued use of the Platform following notification of any amendment constitutes acceptance of the updated Terms.

To register and maintain a lagoph account, you must satisfy all of the following eligibility requirements at all times:

• You must be at least 21 years of age — the PAGCOR-mandated minimum age for online gambling in the Philippines.
• You must be physically located within a jurisdiction where online gambling is legally permitted.
• You must not be a current employee, contractor, director, or immediate family member of any employee of lagoph or its affiliated companies.
• You must not be subject to any self-exclusion order placed through lagoph or any other PAGCOR-regulated platform.
• You must provide accurate, current, and complete information during the registration process and maintain the accuracy of that information throughout your account lifecycle.

Each individual is permitted to hold only one (1) active lagoph account. Opening multiple accounts — whether under your own name or a false identity — is a serious violation of these Terms and will result in the permanent closure of all associated accounts and the forfeiture of all balances therein.

lagoph accounts are strictly personal and non-transferable. You may not allow any other person to use your account, access your account credentials, or place bets on your behalf.

You are solely responsible for maintaining the confidentiality of your lagoph account credentials, including your username, password, and any two-factor authentication codes associated with your account.

You must:

• Choose a strong, unique password that is not used on any other platform.
• Never share your login credentials with any other person, including lagoph support staff. lagoph staff will never ask for your password.
• Log out of your account after each session, especially when using shared or public devices.
• Enable two-factor authentication (2FA) where available for additional account security.
• Notify lagoph support immediately if you suspect unauthorized access to your account.

lagoph will not be liable for any losses resulting from unauthorized access to your account caused by your failure to maintain the security of your login credentials. Any transactions completed using your correct account credentials before you notify lagoph of a security breach will be deemed valid.

All financial transactions on the lagoph Platform are conducted in Philippine Peso (PHP). lagoph supports the following payment methods for Filipino players:

• GCash (recommended — instant deposits, fast withdrawals)
• PayMaya
• BDO Online Banking
• BPI Online Banking
• Metrobank Online Banking
• UnionBank Online Banking

Deposits

Deposits made via GCash and PayMaya are credited to your lagoph wallet instantly upon confirmation from the payment provider. Bank transfer deposits may take up to one (1) banking day to reflect depending on your bank's processing schedule. lagoph does not charge any deposit processing fees, though your bank or e-wallet provider may apply their own charges.

lagoph reserves the right to set minimum and maximum deposit limits per transaction and per day. Current limits are displayed on the cashier page of your lagoph account dashboard.

Withdrawals

Withdrawal requests are subject to the following conditions:

• Your account must be fully verified (KYC completed) before any withdrawal can be processed.
• Withdrawals must be made to a payment method registered in your own name — third-party withdrawals are strictly prohibited.
• Any active bonus wagering requirements must be fully met before withdrawal of associated funds.
• lagoph reserves the right to request additional documentation for large withdrawal amounts in compliance with PAGCOR anti-money laundering (AML) obligations.

lagoph processes verified GCash withdrawal requests within minutes during normal operating hours. Bank transfer withdrawals are typically processed within one to three (1–3) banking days.

lagoph offers various bonuses, promotional credits, free bets, cashback offers, and VIP rewards to eligible players. All bonuses and promotions are subject to the following general conditions, as well as any specific terms published alongside each individual offer:

• Bonuses are available to registered lagoph accounts that have met all eligibility criteria, including age verification.
• Bonus funds are subject to a wagering requirement (also called a rollover requirement) that must be completed in full before any winnings generated from bonus funds may be withdrawn. The applicable wagering multiple is stated on each individual promotion page.
• Bonuses may only be used on games or betting markets specified in the individual promotion terms. Using bonus funds on excluded games will not count toward wagering requirements and may result in bonus forfeiture.
• lagoph strictly prohibits bonus abuse. This includes, but is not limited to: opening multiple accounts to claim the same bonus, systematic low-risk wagering designed to meet rollover requirements without genuine gameplay intent, and any form of collusion to exploit promotions.
• lagoph reserves the right to modify, suspend, cancel, or reclaim any bonus at its sole discretion if it determines that a player has violated these Terms or the specific promotion terms.
• Only one welcome bonus per player, per household, and per IP address is permitted. lagoph uses technical measures to detect and prevent duplicate bonus claims.

Promotional offers are valid for the period stated in each promotion. Expired bonuses will be automatically removed from your lagoph account without notice.

The rules governing each individual game on the lagoph Platform — including casino games, live dealer tables, slot machines, fishing games, crash games, bingo, and sports betting markets — are set out within the respective game interfaces and sports betting rules pages. These game-specific rules form part of these Terms and must be read in conjunction with them.

General rules applicable to all gameplay on lagoph include:

• All bets placed on lagoph are final once confirmed. Bets cannot be cancelled or modified after confirmation unless expressly permitted by the specific game rules.
• In the event of a technical malfunction during a game round, lagoph reserves the right to void the affected round and return all stakes to the relevant players' accounts. lagoph's decision in such cases is final.
• Sports betting markets settled in error will be corrected and resettled as soon as the error is discovered. lagoph is not liable for any losses arising from incorrect settlement that are subsequently corrected.
• For live dealer games, the decisions of the dealer and pit supervisor are final. Any disputes must be raised with lagoph support immediately after the disputed round and no later than 24 hours following the event.
• lagoph uses certified random number generators (RNGs) for all non-live casino games. RNGs are independently audited by third-party testing laboratories to ensure fairness.

The following activities are strictly prohibited on the lagoph Platform. Violation of any of these prohibitions will result in immediate account suspension, permanent termination, forfeiture of all funds, and referral to PAGCOR and/or Philippine law enforcement authorities where applicable:

• Fraud and Identity Misrepresentation: Providing false registration information, using another person's identity, or accessing lagoph from a jurisdiction where online gambling is prohibited.
• Multi-Accounting: Creating or operating more than one lagoph account, whether under your own name or any alias.
• Automated Betting Software: Using bots, scripts, artificial intelligence tools, or any automated system to place bets or interact with the lagoph Platform without human input in real time.
• Collusion: Coordinating with other players to gain an unfair advantage in any game, including but not limited to sharing hole cards in poker or coordinating bet placement in live dealer games.
• Exploitation of Bugs: Knowingly exploiting any software error, glitch, or vulnerability on the lagoph Platform. Any winnings accrued through exploitation of a software bug will be voided.
• Money Laundering: Using the lagoph Platform to launder money or for any other illegal financial activity. lagoph is legally required to report suspected money laundering to the Philippine Anti-Money Laundering Council (AMLC).
• Chargebacks: Initiating unauthorized chargebacks or payment reversals with your bank or e-wallet provider for funds deposited into your lagoph account.
• Harassment: Engaging in threatening, abusive, or offensive behavior toward lagoph staff or other players via any communication channel associated with lagoph.

lagoph is deeply committed to the welfare of Filipino players and to operating a platform that promotes safe, responsible, and enjoyable gaming. Gambling should be an entertaining activity — not a source of financial hardship or personal distress.

Every lagoph account provides access to the following responsible gaming tools, available directly from the account dashboard:

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts to control your spending.
• Loss Limits: Cap the amount you can lose over a defined period.
• Session Time Reminders: Receive automatic notifications when your continuous playing session reaches a duration you've set.
• Cooling-Off Period: Temporarily suspend your account for a period of your choice (24 hours to 6 weeks) without closing it permanently.
• Self-Exclusion: Permanently close your lagoph account and request exclusion from the platform for a minimum period. Self-exclusion requests are processed promptly and irreversibly for the stated period.

If you feel that your gambling is causing harm to yourself or others, lagoph encourages you to use the self-exclusion tool immediately and seek help from qualified support services. lagoph cooperates fully with PAGCOR's responsible gaming initiatives and national programs addressing problem gambling in the Philippines.

All content on the lagoph Platform — including but not limited to the lagoph brand name, logo, website design, graphics, game interfaces, text, software code, and promotional materials — is the exclusive intellectual property of lagoph or its licensed content providers and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the lagoph Platform solely for your personal, non-commercial gaming and entertainment purposes. This licence does not grant you any right to:

• Copy, reproduce, distribute, or create derivative works from any lagoph content.
• Use the lagoph brand name, logo, or trademarks in any manner without prior written consent from lagoph.
• Reverse engineer, decompile, or disassemble any software or technology underlying the lagoph Platform.
• Scrape, crawl, or harvest any data from the lagoph Platform by automated means.

Any unauthorized use of lagoph's intellectual property will result in immediate account termination and may expose you to civil and criminal liability under Philippine law.

To the maximum extent permitted by applicable Philippine law, lagoph's total liability to you in connection with your use of the Platform shall not exceed the total amount deposited by you into your lagoph account in the thirty (30) days immediately preceding the event giving rise to the claim.

lagoph shall not be liable for any of the following, regardless of whether such losses were foreseeable:

• Loss of profits, revenue, data, or business opportunities arising from your use of the Platform.
• Losses resulting from technical malfunctions, server downtime, internet connectivity issues, or force majeure events beyond lagoph's reasonable control.
• Losses arising from your failure to secure your account credentials.
• Losses resulting from your violation of these Terms.
• Indirect, incidental, consequential, or punitive damages of any kind.

Nothing in these Terms limits or excludes lagoph's liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under Philippine law.

The lagoph Platform is provided on an "as is" and "as available" basis. While lagoph makes reasonable efforts to maintain continuous platform availability, we do not warrant that the Platform will be uninterrupted, error-free, or free from harmful components.

lagoph collects, processes, and stores your personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and our Privacy Policy, which is available at /privacy-policy.

By registering a lagoph account, you consent to lagoph collecting and processing your personal information as described in the Privacy Policy, including for the purposes of:

• Account registration, verification, and management.
• Processing deposits, withdrawals, and other financial transactions.
• Complying with PAGCOR regulatory obligations and AMLA reporting requirements.
• Providing customer support in English and Tagalog.
• Sending promotional communications where you have opted in to receive them.
• Improving the lagoph Platform and personalizing your gaming experience.

lagoph will never sell your personal data to third parties for their own marketing purposes. Your data is shared only with trusted service providers operating under data processing agreements and with regulatory authorities as required by Philippine law.

lagoph reserves the right to amend, update, or replace these Terms at any time, for any reason, including but not limited to changes in PAGCOR regulations, Philippine law, platform features, or operational requirements.

When material changes are made to these Terms, lagoph will notify registered players via:

• A prominent notice on the lagoph homepage and login page.
• An in-platform notification upon your next login.
• Email notification to the address registered on your lagoph account (where applicable).

The updated Terms will take effect from the date of publication unless a later effective date is specified. Your continued use of the lagoph Platform following the effective date of any amendment constitutes your unconditional acceptance of the revised Terms. If you do not accept the amended Terms, you must cease using the Platform and contact lagoph support to close your account.

lagoph recommends that you review these Terms periodically to stay informed of any updates. The "Last Updated" date at the top of this page reflects the most recent revision.

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or your use of the lagoph Platform, shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

In the event of any dispute between you and lagoph, both parties agree to first attempt resolution through lagoph's internal dispute resolution process:

1. Submit your complaint in writing to lagoph's customer support team via live chat or email at [email protected], providing full details of the dispute including your account username, the date of the event, and the amount in dispute.
2. lagoph will acknowledge your complaint within 48 hours and provide a full written response within ten (10) business days.
3. If you are not satisfied with lagoph's response, you may escalate the matter to PAGCOR's complaint resolution division in accordance with PAGCOR's published procedures for player disputes against licensed operators.

Where a dispute cannot be resolved through the above process, both parties agree to submit to the exclusive jurisdiction of the competent courts of Makati City, Metro Manila, Philippines.

If you have any questions, concerns, or feedback regarding these Terms and Conditions, or if you need assistance with your lagoph account, our support team is available 24 hours a day, 7 days a week, 365 days a year — in both English and Tagalog.

You can reach lagoph support through the following channels:

• Live Chat: Available directly on the lagoph Platform — look for the chat icon on any page. Average response time is under two minutes during peak hours.
• Email: [email protected] — for non-urgent matters and formal written inquiries. We aim to respond within 24 hours.

For responsible gaming support, account self-exclusion requests, or concerns about underage gambling, please contact our dedicated support team immediately via live chat for the fastest response. Our trained support agents in Manila and Cebu are equipped to handle sensitive matters with full confidentiality.

lagoph's registered business address and full corporate details are available upon written request to our support team in accordance with applicable Philippine disclosure requirements.