Terms & Conditions

1 Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "Account Holder") and charmph ("we," "us," "our," or "the Platform"). By creating an account, making a deposit, or participating in any game or betting activity on charmph, you irrevocably accept and agree to be bound by these Terms, together with our Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

These Terms apply to all users of the charmph platform, including players accessing the site via desktop browser, mobile browser, or any application made available by charmph. Your continued use of charmph following any update to these Terms constitutes your acceptance of the amended Terms.

charmph reserves the right to amend these Terms at any time. Material changes will be communicated to registered players via the email address on file or through a notice displayed prominently on the platform. It is your responsibility to review the Terms periodically and remain informed of any updates.

2 Eligibility & Registration

To register and maintain an account on charmph, you must satisfy all of the following eligibility requirements:

• You are at least twenty-one (21) years of age;
• You are a natural person and not a corporation, trust, or other legal entity;
• You are accessing the platform from a jurisdiction where online gambling is lawful under applicable local, national, or international laws;
• You are not a current employee, contractor, director, or immediate family member of a charmph employee or business partner;
• You have not previously been excluded from charmph or any other PAGCOR-regulated platform via a self-exclusion or operator exclusion order;
• You are acting on your own behalf and not as an agent, nominee, or representative of any third party;
• You have the legal capacity to enter into a binding agreement under Philippine law.

Registration Process

Each individual may hold only one (1) registered account on charmph. Duplicate accounts are strictly prohibited and will result in suspension of all associated accounts and forfeiture of any accumulated balances. During registration, you are required to provide accurate, complete, and current information including your full legal name, date of birth, residential address, and a valid email address or mobile number.

charmph reserves the right to request supporting documentation at any time to verify the information provided during registration. Failure to provide requested documentation within a reasonable timeframe will result in account restrictions or closure.

3 Account Management

You are solely responsible for maintaining the confidentiality of your account credentials, including your username, password, and any two-factor authentication codes. You must not disclose your login credentials to any third party, and charmph will not be held liable for any loss or damage arising from unauthorized access to your account resulting from your failure to maintain adequate security.

If you suspect that your account has been accessed by an unauthorized party, you must notify charmph immediately via live chat or by writing to [email protected]. charmph will take reasonable steps to secure your account upon receiving such notification.

Account Verification (KYC)

charmph conducts identity verification in compliance with PAGCOR's Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements. Before processing any withdrawal, you will be required to submit valid government-issued photo identification (such as a Philippine passport, SSS ID, PhilSys National ID, UMID, driver's license, or PRC ID), proof of address, and proof of ownership of the payment method used for deposits.

Verification documents must be current, legible, and unaltered. Submission of fraudulent, forged, or misleading documentation will result in immediate permanent account closure and referral to relevant law enforcement authorities.

Account Currency

All charmph accounts are denominated in Philippine Pesos (₱ / PHP). Deposits made in foreign currencies will be converted to PHP at the prevailing exchange rate at the time of transaction. charmph is not responsible for any losses incurred due to currency conversion fluctuations.

Inactive Accounts

An account is considered inactive if no login activity has been recorded for a continuous period of twelve (12) months. charmph reserves the right to charge an account maintenance fee of ₱100 per month on inactive accounts, deducted from any remaining balance. Where the balance reaches zero, the account may be closed. Players will be notified by email prior to any deductions being applied.

4 Deposits & Withdrawals

Accepted Payment Methods

charmph accepts deposits and processes withdrawals via the following approved payment channels available to Filipino players:

• GCash — minimum deposit ₱100; withdrawals processed within 5 minutes for verified accounts
• Maya / PayMaya — minimum deposit ₱100; withdrawals processed within 10 minutes
• BPI, BDO, Metrobank — minimum deposit ₱500; bank transfers processed within 1–3 banking days
• 7-Eleven CLiQQ — cash deposits at participating 7-Eleven stores; minimum ₱100
• USDT TRC20 — minimum equivalent of ₱500; conversion at prevailing rate at time of transaction
• Coins.ph — minimum deposit ₱100; withdrawals processed within 15 minutes for verified accounts

Deposit Policy

All deposits are credited to your charmph account immediately upon confirmation from the payment provider. charmph does not charge any deposit processing fees; however, your payment provider may apply its own transaction charges. Deposits must originate from a payment method registered in your own name — third-party deposits are strictly prohibited.

Withdrawal Policy

Withdrawal requests are subject to full KYC verification having been completed on your account. charmph reserves the right to request additional documentation for any withdrawal, particularly for first-time withdrawals or withdrawals above ₱50,000. Withdrawals must be returned to the same payment method used for the original deposit where technically possible, in compliance with AML regulations.

charmph does not impose withdrawal fees on standard transactions. Processing times are as stated above, subject to the payment provider's own processing schedule. Withdrawals submitted on Philippine public holidays may experience additional processing delays.

5 Bonuses & Promotions

charmph offers various bonuses and promotional incentives to both new and existing players. All bonuses are subject to the specific terms stated in the relevant promotional offer, which shall be read together with these general Terms. In the event of any conflict between a specific promotion's terms and these general Terms, the specific promotion's terms shall prevail.

General Bonus Conditions

• Bonus funds are credited for entertainment purposes and must be wagered in accordance with the stated wagering requirement before any withdrawal of bonus-derived winnings is permitted;
• The standard wagering requirement for welcome bonuses is thirty times (30x) the bonus amount, unless otherwise stated in the specific promotion;
• Bonuses are valid for a maximum of thirty (30) calendar days from the date of credit unless a different validity period is specified;
• Only one welcome bonus may be claimed per player, per household, and per device;
• charmph reserves the right to modify, suspend, or terminate any promotion at any time without prior notice;
• Bonuses obtained through fraudulent means, including the use of multiple accounts or misrepresentation of identity, will be voided and the associated account suspended;
• Certain games may contribute differently toward wagering requirements — for example, live casino games may contribute at a lower rate than slot games. The applicable contribution rates are stated in each promotion's specific terms.

Responsible Bonus Use

Players who have activated a deposit limit or are enrolled in a self-exclusion or cooling-off period will not be eligible to claim bonuses during such periods. charmph encourages all players to review the responsible gaming tools available on the platform before participating in promotional offers. Visit our Responsible Gaming page for more information.

6 Games & Betting Rules

All games available on charmph — including live casino tables, slot machines, bingo, and sports betting markets — operate under the rules published on the platform and are subject to the regulations of their respective game providers and PAGCOR's licensing standards.

Game Fairness

All random number generator (RNG) games on charmph are tested and certified by independent third-party auditors to ensure compliance with fair play standards. Live casino games are streamed from licensed studios and conducted by trained dealers under studio protocols. The published Return to Player (RTP) percentages for each game reflect long-term statistical averages and do not guarantee individual outcomes.

Sports Betting

Sports betting markets on charmph are governed by the specific rules applicable to each sport and market type. In the event of a match abandonment, postponement, or cancellation, charmph's settlement policy will apply as published in the Sports Betting Rules section of the platform. charmph reserves the right to void any bet placed on markets that were offered in error or where the odds were clearly mispriced.

Malfunction Policy

In the event of a technical malfunction, system error, or communication failure during a game or betting event, charmph reserves the right to void any affected bets and return the wagered amounts to the players' accounts. Winnings generated during a confirmed technical malfunction are not valid and will not be paid. Any dispute regarding a game outcome must be raised with customer support within seventy-two (72) hours of the event.

Maximum Winnings

charmph applies a maximum single-transaction payout cap of ₱5,000,000 per player, per day, across all games and betting markets combined, unless a higher limit has been individually negotiated in writing. Winnings exceeding this cap in a single session will be subject to a payment schedule agreed between the player and charmph management.

7 Prohibited Conduct

The following conduct is strictly prohibited on charmph and will result in immediate account suspension, forfeiture of all balances, and may be referred to law enforcement authorities:

• Fraud and Misrepresentation: Providing false information during registration or KYC verification, impersonating another person, or using a fraudulently obtained payment method;
• Bonus Abuse: Creating multiple accounts to exploit welcome bonuses, using coordinated betting strategies to extract guaranteed value from promotional offers, or any other activity designed to abuse charmph's bonus system;
• Money Laundering: Using charmph as a mechanism to place, layer, or integrate funds derived from criminal activity, in violation of Republic Act No. 9160 (Anti-Money Laundering Act of 2001, as amended);
• Collusion: Cooperating with other players to manipulate game outcomes, exploit live casino dealer errors, or share information in sports betting markets to gain an unfair advantage;
• Automated Software: Using bots, scripts, artificial intelligence tools, or any automated system to interact with the platform in place of manual human play;
• Chargebacks: Filing fraudulent chargeback claims with your payment provider after having validly deposited and used funds on charmph;
• Unauthorized Access: Attempting to gain unauthorized access to charmph's systems, databases, or other players' accounts through hacking, phishing, or any other means.

charmph cooperates fully with PAGCOR's enforcement division and Philippine law enforcement agencies, including the Anti-Money Laundering Council (AMLC), in all investigations relating to prohibited conduct on the platform.

8 Responsible Gaming

charmph is committed to promoting safe and responsible gambling practices. We recognize that while the vast majority of our players enjoy gaming as a form of entertainment, a small proportion may develop problematic gambling behaviors. The tools and resources below are available to every charmph account holder at no cost and without restriction.

Available Responsible Gaming Tools

• Deposit Limits: Set daily, weekly, or monthly deposit caps directly from your account dashboard. Reductions take effect immediately; increases are subject to a 24-hour cooling-off period;
• Session Time Limits: Configure automatic session reminders and time-out warnings to manage the duration of your gaming sessions;
• Cooling-Off Period: Temporarily suspend your account for a period of 24 hours, 7 days, or 30 days. During this period, you will not be able to log in or access any real-money features;
• Self-Exclusion: Permanently or indefinitely exclude yourself from all charmph services. Self-exclusion requests are processed on the same day and cannot be reversed for a minimum of six (6) months.

If you believe you may be experiencing difficulties related to gambling, please visit our dedicated Responsible Gaming page for detailed guidance and support resources. charmph's trained support team is available 24/7 via live chat to assist players who need help accessing these tools.

9 Privacy & Data

charmph collects, processes, and stores personal data in accordance with its Privacy Policy and the requirements of the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines. By registering an account, you consent to charmph's collection and processing of your personal data as described in the Privacy Policy.

Personal data provided during registration and KYC verification is used exclusively for account management, identity verification, transaction processing, fraud prevention, and regulatory compliance purposes. charmph does not sell or rent your personal data to third parties for marketing purposes.

For a complete description of how charmph handles your personal information, please review our Privacy Policy.

10 Intellectual Property

All content on the charmph platform — including but not limited to logos, trademarks, trade names, graphics, software, game content, text, images, and the overall look and feel of the platform — is the exclusive property of charmph or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the charmph platform solely for your personal, non-commercial entertainment purposes. This licence does not include the right to reproduce, distribute, publicly display, modify, reverse-engineer, or create derivative works of any charmph content without prior written consent.

Any unauthorized use of charmph's intellectual property will result in immediate account suspension and may result in legal action for damages and injunctive relief.

11 Limitation of Liability

To the maximum extent permitted by applicable Philippine law, charmph, its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the platform, including but not limited to:

• Loss of winnings resulting from technical malfunctions, system errors, or communication failures;
• Loss of data resulting from unauthorized access to your account due to your failure to maintain credential security;
• Interruption or unavailability of the platform due to scheduled or unscheduled maintenance;
• Losses arising from your reliance on information published on the platform;
• Losses resulting from actions taken by charmph in compliance with PAGCOR regulations or applicable law.

charmph's total aggregate liability to any player for any claim arising out of or related to these Terms shall not exceed the total amount deposited by that player in the twelve (12) months preceding the event giving rise to the claim.

Nothing in these Terms shall limit or exclude charmph's liability for fraud, gross negligence, death, or personal injury caused by charmph's own wrongful acts or omissions, to the extent such limitation is prohibited by applicable law.

12 Termination

You may close your charmph account at any time by contacting our customer support team via live chat. Upon closure, any verified real-money balance remaining in your account will be returned to you via your registered withdrawal method within five (5) business days, subject to any pending wagering requirements or open investigations.

charmph reserves the right to suspend or permanently close any account, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms;
• Discovery that the account holder does not meet the eligibility requirements set out in Section 2;
• Reasonable suspicion of fraudulent activity, money laundering, or other criminal conduct;
• Receipt of a self-exclusion request from the account holder;
• Direction from PAGCOR, a Philippine court, or another competent authority;
• Cessation of charmph's operations in the Philippines.

Where an account is closed due to confirmed fraud or breach of these Terms, charmph reserves the right to withhold any balance pending the conclusion of an investigation. Balances found to be derived from fraudulent activity will be forfeited.

13 Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

Players who reside outside the Philippines access charmph at their own risk and are responsible for ensuring that their use of the platform complies with all applicable laws in their jurisdiction of residence. charmph makes no representation that the platform is lawful or appropriate for use outside the Philippines.

14 Amendments

charmph reserves the right to amend, update, or replace these Terms at any time. The most current version of these Terms will always be available at charmph.org/terms-conditions. Where changes are material, charmph will provide at least seven (7) days' notice by displaying a prominent notice on the platform or sending an email to the address registered on your account.

Your continued use of the charmph platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with any change to these Terms, you must close your account before the amendment takes effect.

15 Contact Us

If you have any questions, concerns, or complaints relating to these Terms & Conditions, please contact the charmph support team through any of the following channels:

• Live Chat: Available 24/7 directly from the charmph platform — the fastest way to reach our Filipino support team;
• Email: [email protected] — responses within 24 hours on business days;
• FAQ: Visit our FAQ page for answers to the most common questions about accounts, payments, games, and bonuses.

For regulatory complaints that cannot be resolved directly with charmph, players may escalate their concerns to PAGCOR, the Philippine Amusement and Gaming Corporation, as the competent regulatory authority overseeing the platform's operations.