Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "Player," "you," or "your") and exwin ("Company," "we," "us," or "our"), operator of the online gaming platform accessible at https://exwin.cam and associated mobile applications (collectively, the "Platform"). By accessing, browsing, registering an account, depositing funds, placing wagers, or otherwise using any part of the exwin Platform, you unconditionally accept and agree to be bound by these Terms in their entirety, together with our Privacy Policy, Responsible Gaming Policy, and any other rules, policies, and procedures posted on the Platform.

If you do not agree with any provision contained herein, you must immediately discontinue all use of the Platform and refrain from creating an account or engaging in any gaming activities. Continued use of the Platform following any amendment or modification to these Terms constitutes your acceptance of such changes. It is your responsibility to review these Terms periodically for updates.

The Company reserves the right, at its sole discretion, to modify, amend, or replace these Terms at any time without prior notice. Material changes will be communicated through the Platform, email notification, or other appropriate means. Your continued use of the Platform following the posting of revised Terms signifies your acceptance of such changes.

2. Eligibility and Account Registration

2.1 Age and Jurisdictional Requirements

Use of the exwin Platform is restricted to individuals who meet all of the following eligibility criteria:

• You must be at least twenty-one (21) years of age or the minimum legal gambling age in your jurisdiction of residence, whichever is higher;
• You must be a legal resident of the Republic of the Philippines or located within Philippine territory at the time of account registration and gameplay;
• You must not be prohibited from gambling under any applicable law, regulation, or court order in your jurisdiction;
• You must not be registered with any self-exclusion program or gambling restriction registry;
• You must have the legal capacity to enter into binding contracts under Philippine law.

The Company reserves the right to request proof of age and identity at any time. Failure to provide satisfactory documentation when requested will result in immediate account suspension and potential forfeiture of funds.

2.2 Account Creation and Verification

To access gaming services on the exwin Platform, you must complete the account registration process by providing accurate, current, and complete information as prompted by the registration form. You agree to maintain and promptly update your account information to ensure its accuracy at all times. Required information typically includes, but is not limited to:

• Full legal name as appearing on government-issued identification;
• Valid email address and mobile phone number;
• Date of birth and government-issued identification number;
• Current residential address within the Philippines;
• Preferred username and secure password meeting platform requirements;
• Source of funds declaration for anti-money laundering compliance.

Each individual may register only one (1) account on the Platform. Multiple accounts belonging to the same person ("duplicate accounts") are strictly prohibited and may result in closure of all accounts, forfeiture of balances, and permanent exclusion from the Platform. The Company employs sophisticated detection systems to identify duplicate accounts through matching personal details, payment methods, IP addresses, device fingerprints, and behavioral patterns.

The Company reserves the right to request additional verification documents at any time, including but not limited to government-issued photo identification, proof of address (utility bills, bank statements), payment method verification (credit card photos, e-wallet screenshots), and source of wealth documentation. Account verification is mandatory before processing withdrawal requests exceeding specified thresholds.

2.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your username, password, security questions, and any other authentication information. You must not disclose your login credentials to any third party or allow any other person to access your account. All activities conducted through your account, whether authorized or unauthorized, are your responsibility.

You agree to notify the Company immediately upon discovering any unauthorized use of your account or any security breach. The Company will not be liable for any loss or damage arising from unauthorized account access resulting from your failure to safeguard your credentials or comply with security procedures.

3. Deposits, Withdrawals, and Financial Transactions

3.1 Deposits

The exwin Platform accepts deposits through approved payment methods displayed on the Platform, which may include GCash, PayMaya, bank transfers, credit cards, and other electronic payment systems authorized by the Company. All deposits are processed in Philippine Pesos (PHP) unless otherwise specified. Minimum and maximum deposit limits are displayed during the deposit process and may vary by payment method.

Deposits are generally credited to your account immediately upon confirmation by the payment processor, although processing times may vary depending on the payment method and third-party provider. The Company is not responsible for delays caused by payment processors or financial institutions beyond our control.

You represent and warrant that all funds deposited into your account are lawfully obtained, belong to you, and are not derived from illegal activities. The Company reserves the right to reject any deposit and return funds to the source if we reasonably believe the transaction violates applicable laws or these Terms.

3.2 Withdrawals

Withdrawal requests may be submitted at any time through the Platform's cashier section. Withdrawals are subject to the following conditions:

• Your account must be fully verified with all requested documentation approved;
• The withdrawal amount must meet minimum withdrawal thresholds specified on the Platform;
• Withdrawals must be made to payment methods registered in your name matching your account details;
• Wagering requirements attached to bonuses or promotions must be satisfied before withdrawing associated winnings;
• The Company reserves the right to request additional verification before processing large withdrawal requests;
• Anti-money laundering policies may require that deposits be wagered at least once before withdrawal.

Approved withdrawals are typically processed within fifteen (15) minutes to seventy-two (72) hours, depending on the withdrawal method and verification status. However, processing times may be extended for enhanced security reviews, compliance checks, or circumstances beyond the Company's control.

The Company reserves the right to impose withdrawal limits per transaction, per day, per week, or per month based on your account status, verification level, gameplay history, and payment method. VIP players may be eligible for higher withdrawal limits as specified in the VIP program terms.

3.3 Fees and Currency

The Company does not charge fees for deposits or withdrawals. However, third-party payment processors, banks, or e-wallet providers may impose their own transaction fees, which are beyond the Company's control and are your responsibility. All transactions are conducted in Philippine Pesos (PHP). If your payment method operates in a different currency, conversion rates and fees applied by your financial institution or payment processor will apply.

4. Bonuses, Promotions, and Wagering Requirements

4.1 Bonus Terms

The exwin Platform may offer various bonuses, promotions, tournaments, and incentive programs ("Promotions") from time to time, including but not limited to welcome bonuses, deposit bonuses, reload bonuses, cashback offers, free spins, free bets, and loyalty rewards. Participation in any Promotion is voluntary and subject to specific terms and conditions applicable to that Promotion, which supplement these general Terms.

Unless otherwise stated, all Promotions are available only to players who have completed account registration and verification, made qualifying deposits, and meet eligibility criteria specified in the Promotion terms. Bonuses are generally credited automatically upon meeting qualifying conditions, although some Promotions may require manual activation or bonus code entry.

4.2 Wagering Requirements

All bonuses and promotional credits are subject to wagering requirements (also known as "rollover requirements" or "playthrough requirements") before associated winnings may be withdrawn. Wagering requirements specify the number of times you must wager the bonus amount, deposit amount, or combined total before converting bonus funds into withdrawable cash.

For example, a 100% deposit bonus of ₱1,000 with 30x wagering requirements means you must place wagers totaling ₱30,000 (₱1,000 × 30) before you can withdraw winnings derived from the bonus. Different games contribute different percentages toward meeting wagering requirements, typically as follows:

• Slots: 100% contribution (every ₱100 wagered counts as ₱100 toward requirements);
• Table games (blackjack, baccarat, roulette): 10-20% contribution;
• Live dealer games: 10-20% contribution;
• Sports betting: varies by market and odds (typically excluded or low contribution);
• Certain games may be entirely excluded from bonus play.

Wagering requirements must be completed within the specified validity period, typically ranging from seven (7) to thirty (30) days from bonus credit, after which unused bonus funds and associated winnings are forfeited. Maximum bet limits apply while wagering bonuses, typically ranging from ₱50 to ₱500 per spin or hand. Exceeding maximum bet limits may void the bonus and associated winnings.

4.3 Bonus Abuse and Fraud

The Company has zero tolerance for bonus abuse, bonus hunting, and fraudulent exploitation of Promotions. Prohibited activities include but are not limited to:

• Creating multiple accounts to claim bonuses multiple times;
• Coordinated play between multiple players to guarantee profits;
• Using betting systems or strategies designed to exploit bonus terms with minimal risk;
• Delaying game rounds or features to manipulate outcomes after wagering completion;
• Claiming bonuses with no genuine intention to wager fairly or engage in normal gameplay.

The Company reserves the right to void bonuses, confiscate winnings, and terminate accounts engaging in bonus abuse or fraudulent activity. All Promotion decisions, including eligibility determinations and dispute resolutions, are made at the Company's sole discretion and are final.

5. Gameplay Rules and Game Integrity

5.1 Game Rules and Outcomes

All games on the exwin Platform are governed by their specific rules, paytables, and gameplay instructions accessible within each game interface. You are responsible for understanding the rules of any game before placing wagers. The Company is not liable for losses resulting from your misunderstanding or misinterpretation of game rules.

All games use certified Random Number Generators (RNGs) or live dealer equipment that ensures fair and unpredictable outcomes. RNG systems are regularly tested by independent third-party auditors to verify compliance with industry standards and regulatory requirements. Game results are final once determined and cannot be reversed except in cases of clear technical malfunction or operator error.

5.2 Disconnections and Technical Errors

In the event of disconnection from a game while you have active bets or gameplay in progress, the game round will continue to completion according to its programmed rules. Upon reconnection, you will be able to view the outcome and any resulting balance changes. The Company is not responsible for disruptions to your internet connection, power supply, or device functionality.

If a game malfunctions, all affected bets and payouts are void, and affected funds will be refunded to your account. In the event of obvious technical errors (such as incorrect odds display, miscalculated payouts, or system glitches), the Company reserves the right to correct errors and adjust account balances accordingly, even after game completion.

5.3 Prohibited Gaming Practices

Players engaging in cheating, collusion, bot usage, exploitation of software vulnerabilities, or other unfair gaming practices will have their accounts immediately terminated and funds forfeited. Prohibited activities include:

• Using automated software, bots, or third-party tools to play games;
• Colluding with other players to gain unfair advantages;
• Exploiting game or platform bugs, errors, or vulnerabilities;
• Reverse engineering or attempting to manipulate game software;
• Using stolen, fraudulent, or unauthorized payment methods;
• Engaging in any form of money laundering through the Platform.

6. Sports Betting Terms

Sports betting services on the exwin Platform are governed by additional terms specific to sports wagering. All bets are accepted in accordance with the rules published on the Platform and industry standard sports betting terms. The Company reserves the right to refuse any bet, limit maximum stakes, or restrict accounts at its sole discretion.

Bets are settled based on official results and statistics provided by recognized sports governing bodies. Settlement decisions made by the Company are final. In the event of match cancellation, postponement, or abandonment, bets will be void unless otherwise specified in the specific sport's betting rules.

7. Responsible Gaming and Self-Exclusion

The Company is committed to promoting responsible gaming and preventing problem gambling. We provide various tools to help you maintain control over your gaming activity, including:

• Deposit limits (daily, weekly, monthly);
• Wagering limits per session or time period;
• Session time reminders and automatic logout features;
• Reality check notifications displaying time and money spent;
• Self-exclusion options ranging from 24 hours to permanent exclusion;
• Links to professional gambling support organizations.

If you feel that gambling is negatively impacting your life, you may request temporary or permanent self-exclusion by contacting customer support. During self-exclusion periods, your account will be suspended, and you will be unable to access gaming services, deposit funds, or receive marketing communications.

Players must be at least twenty-one (21) years of age to use the Platform. The Company takes underage gambling prevention seriously and employs age verification procedures during registration and at various stages of platform use.

8. Account Suspension and Termination

The Company reserves the right to suspend, restrict, or permanently close your account at any time, with or without notice, for any reason including but not limited to:

• Violation of these Terms or any applicable law or regulation;
• Fraudulent activity, bonus abuse, or attempted manipulation of the Platform;
• Provision of false, inaccurate, or misleading information during registration or verification;
• Failure to complete identity verification or provide requested documentation;
• Abusive, threatening, or inappropriate behavior toward staff or other players;
• Suspected money laundering or terrorist financing activity;
• Request for self-exclusion or responsible gaming intervention;
• Prolonged account inactivity or commercial dormancy;
• Any action that threatens the integrity, security, or reputation of the Platform.

Upon account termination, any outstanding bonuses, promotional funds, or pending wagering requirements will be forfeited. Legitimate account balances consisting of successfully wagered deposits and winnings may be withdrawn subject to completion of all verification procedures and resolution of any outstanding issues. The Company reserves the right to withhold funds pending investigation of suspected violations.

You may close your account at any time by contacting customer support. Account closure requests may be subject to a cooling-off period to ensure the decision is made deliberately. Upon voluntary closure, you must withdraw or forfeit all remaining account balances within the timeframe specified by the Company.

9. Intellectual Property Rights

All content, features, functionality, graphics, logos, trademarks, software, and other materials available on the exwin Platform are owned by the Company, our licensors, or other content providers and are protected by Philippine and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal, non-commercial entertainment purposes in accordance with these Terms. You may not reproduce, distribute, modify, create derivative works, publicly display, republish, download, store, or transmit any content from the Platform without express written permission.

10. Limitation of Liability and Disclaimers

To the fullest extent permitted by applicable law, the Company, its directors, officers, employees, agents, licensors, and service providers (collectively, "Company Parties") shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use the Platform;
• Unauthorized access to or alteration of your account or data;
• Third-party conduct or content on the Platform;
• Technical malfunctions, system failures, or service interruptions;
• Errors, mistakes, or inaccuracies in game outcomes or account information;
• Any gambling losses or adverse financial consequences from gaming activity.

In no event shall the Company Parties' total liability to you for all claims arising from or related to the Platform exceed the amount you deposited into your account during the six (6) months preceding the event giving rise to liability, or One Thousand Philippine Pesos (₱1,000), whichever is less.

The Platform and all services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. The Company does not warrant that the Platform will be uninterrupted, secure, error-free, or free from viruses or other harmful components.

11. Governing Law and Dispute Resolution

These Terms and all matters arising from or related to your use of the exwin Platform shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles. The Platform is licensed and regulated by the Philippine Amusement and Gaming Corporation (PAGCOR) under applicable Philippine gaming regulations.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Platform shall first be attempted to be resolved through good faith negotiation between you and the Company. If negotiations fail to resolve the dispute within thirty (30) days, either party may submit the dispute to binding arbitration in accordance with the rules of the Philippine Dispute Resolution Center, Inc. (PDRCI) or another mutually agreed arbitration institution.

Arbitration proceedings shall be conducted in Metro Manila, Philippines, in the English language. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction. Notwithstanding the foregoing, the Company may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or prevent ongoing violations of these Terms.

12. General Provisions

12.1 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent. If modification is not possible, the invalid provision shall be severed, and the remaining provisions shall continue in full force and effect.

12.2 Waiver

The Company's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver by the Company of any breach or default shall be deemed a waiver of any subsequent breach or default.

12.3 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without the Company's prior written consent. The Company may freely assign or transfer these Terms and all rights and obligations hereunder to any third party without notice or consent.

12.4 Entire Agreement

These Terms, together with the Privacy Policy, Responsible Gaming Policy, and any game-specific rules constitute the entire agreement between you and the Company regarding your use of the Platform and supersede all prior or contemporaneous communications, agreements, and understandings, whether oral or written.

12.5 Language

These Terms are prepared in the English language. In the event of any conflict or inconsistency between the English version and any translation, the English version shall prevail.

13. Contact Information

For questions, concerns, or inquiries regarding these Terms and Conditions or any aspect of the exwin Platform, please contact our customer support team:

• Email: [email protected]
• Live Chat: Available 24/7 through the Platform
• Support Hours: 24 hours a day, 7 days a week

By using the exwin Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. Thank you for choosing exwin as your trusted online gaming entertainment provider.