spinoy Terms & Conditions

1 Definitions

In these Terms & Conditions, the following terms shall have the meanings set out below, unless the context otherwise requires:

• "spinoy", "we", "us", or "our" refers to the spinoy platform and its operating entity, licensed by PAGCOR to provide online casino and sports betting services in the Philippines.
• "Platform" means the spinoy website accessible at spinoy.app, including all casino, sportsbook, bingo, slots, and esports betting products available thereon.
• "Player", "you", or "your" refers to any individual who registers for or uses a spinoy account.
• "Account" means the registered user account created by a Player on the spinoy Platform.
• "Balance" means the total funds held in a Player's spinoy account at any given time, expressed in Philippine Peso (₱).
• "Bonus Funds" means any promotional credits, free spins, or non-cash incentives credited to a Player's account as part of a spinoy promotion.
• "KYC" means Know Your Customer — the identity and age verification process required before a Player may make withdrawals or access certain Platform features.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the regulatory body that licenses and oversees spinoy's operations.
• "Prohibited Jurisdiction" means any country or territory outside the Philippines, or any jurisdiction within which online gambling is illegal or restricted under applicable law.

2 Acceptance of Terms

By accessing, registering on, or using the spinoy Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety, together with the spinoy Privacy Policy and any game-specific rules or promotional terms published on the Platform.

If you do not agree with any part of these Terms & Conditions, you must immediately cease using the spinoy Platform and, if applicable, request closure of your account.

spinoy reserves the right to amend, update, or replace these Terms & Conditions at any time. Material changes will be communicated to registered Players via the email address associated with their account or via a prominent notice on the Platform. It is your responsibility to review these Terms periodically.

3 Eligibility

To register and maintain an account on the spinoy Platform, you must meet all of the following eligibility requirements at the time of registration and on an ongoing basis:

• You are at least 21 years of age. This is a strict and non-negotiable requirement under Philippine gambling law. spinoy does not permit any person under the age of 21 to register, deposit, or participate in any real-money gambling activity on the Platform.
• You are physically located in the Philippines at the time of accessing and using the Platform.
• You are accessing and using the Platform for your own personal and recreational purposes only, and not on behalf of any third party.
• You are not subject to any self-exclusion order, whether imposed by spinoy, PAGCOR, or any other gambling regulatory authority.
• You are not a current employee, contractor, officer, or director of spinoy or any of its affiliated entities, or an immediate family member of such a person, unless express written consent has been obtained.
• You have the legal capacity to enter into binding contracts under Philippine law.
• You are not accessing the Platform from any Prohibited Jurisdiction.

4 Account Registration

To access real-money games and services on the spinoy Platform, you must create a registered account. The following conditions apply to account registration and maintenance:

4.1 One Account Per Player

Each Player is permitted to hold only one (1) spinoy account. The creation of duplicate or multiple accounts by the same individual is strictly prohibited. spinoy uses identity verification, device fingerprinting, and other detection methods to identify multiple accounts. Where multiple accounts are detected, spinoy reserves the right to close all associated accounts and forfeit balances therein.

4.2 Accuracy of Information

You are required to provide accurate, complete, and current information during registration and to update such information promptly if it changes. Providing false, misleading, or incomplete registration information is a material breach of these Terms and may result in immediate account closure and forfeiture of funds.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your spinoy account credentials, including your username and password. You must not share your account credentials with any third party. spinoy will not be liable for any losses arising from unauthorised access to your account resulting from your failure to secure your credentials. You must notify spinoy immediately at [email protected] if you suspect unauthorised access to your account.

4.4 Account Inactivity

An account is considered inactive if there has been no login activity for a continuous period of twelve (12) months. spinoy may apply an inactivity administration fee to dormant accounts in accordance with the schedule published on the Platform, provided that the account balance will never be reduced below zero as a result of inactivity fees. spinoy will notify the Player before any inactivity fee is applied.

5 Identity Verification (KYC)

spinoy is required under PAGCOR regulations and applicable Philippine anti-money laundering laws to verify the identity of all Players before processing withdrawals and in certain other circumstances. This process is commonly referred to as Know Your Customer or KYC verification.

5.1 Required Documents

spinoy may request any or all of the following documents as part of the KYC process:

• A valid government-issued photo identification (e.g., Philippine passport, SSS ID, UMID, PhilHealth ID, driver's licence, or Voter's ID).
• Proof of address — a utility bill, bank statement, or government-issued document showing your current residential address in the Philippines, dated within the last three (3) months.
• Proof of payment method — a screenshot or photo of the GCash account, PayMaya account, or bank account registered to the same name as the spinoy account, for deposit and withdrawal methods used.
• A selfie photograph holding your government-issued ID, if requested.

5.2 KYC Timeframes

spinoy will endeavour to complete KYC review within two (2) to five (5) business days of receiving all required documentation. Withdrawals will be held pending successful KYC completion. spinoy is not liable for any delays in withdrawal processing arising from incomplete or insufficient KYC documentation submitted by the Player.

5.3 Ongoing Verification

spinoy reserves the right to request updated KYC documentation at any time, including where there is a material change in a Player's activity, deposit volume, or withdrawal patterns. Failure to provide requested documentation within a reasonable timeframe may result in account restriction or closure.

6 Deposits & Withdrawals

6.1 Deposits

spinoy accepts deposits via GCash, PayMaya, BPI, BDO, Metrobank, UnionBank, and other payment methods as listed on the Platform from time to time. All deposits are processed in Philippine Peso (₱). Minimum and maximum deposit limits apply and are displayed on the Platform's cashier page. spinoy does not charge fees on deposits, though your payment provider may apply their own fees — please check with your provider.

Deposits must be made from payment accounts registered in your own name. Third-party deposits are prohibited. spinoy reserves the right to reverse and refund any deposit identified as originating from a third-party source and to suspend the associated account pending investigation.

6.2 Withdrawals

Withdrawals are available to Players who have completed KYC verification. Withdrawals are processed to the same payment method used for deposit where possible, and always to an account held in the Player's own name. spinoy aims to process withdrawal requests to GCash and PayMaya on the same business day for requests received before 3:00 PM Philippine time (UTC+8). Bank transfer withdrawals are typically processed within one (1) to three (3) business days.

Minimum withdrawal amounts and any applicable processing fees are displayed in the Platform's cashier section. spinoy reserves the right to request additional KYC documentation before processing any withdrawal request above threshold amounts.

6.3 Currency

All transactions on the spinoy Platform are denominated in Philippine Peso (₱). spinoy does not accept or disburse funds in foreign currencies. Any foreign currency payment received will be converted to PHP at the prevailing exchange rate at the time of receipt, net of any applicable conversion fees.

7 Bonuses & Promotions

spinoy offers various promotional incentives to registered Players, including but not limited to welcome bonuses, deposit match bonuses, free spins, cashback offers, reload bonuses, and VIP rewards. All promotions are subject to the following general conditions, as well as any specific terms published with each individual promotion:

• Bonus offers are available to Players who have completed registration and, where specified, initial KYC verification.
• All bonuses are subject to wagering requirements. The applicable wagering multiplier for each bonus is stated in the specific promotion terms. Until wagering requirements are met, bonus funds and any winnings derived from bonus funds may not be withdrawn.
• spinoy reserves the right to withdraw, modify, or cancel any promotion at any time without prior notice, provided that this will not affect bonuses already credited and actively being wagered by Players.
• Only one bonus may be active at any time unless the promotion terms explicitly state otherwise.
• Bonuses are for personal recreational use only. Any evidence of bonus abuse, including but not limited to wagering with minimal risk strategies designed to exhaust wagering requirements without genuine gameplay, coordinated multi-account bonus claiming, or other exploitative behaviour, will result in bonus forfeiture and may result in account review.
• spinoy reserves the right to reclaim bonus funds and any winnings derived from bonuses if it determines that a promotion was claimed in breach of the applicable terms.

8 Game Rules & Fair Play

All games available on the spinoy Platform are provided by licensed third-party game studios and are subject to the rules published by those studios within the game interface. In addition, the following conditions apply to all gameplay on the spinoy Platform:

• spinoy's games use certified random number generators (RNGs) or, in the case of live dealer games, real-time dealing by trained dealers, to ensure fair and random outcomes.
• Game results are final once confirmed by the Platform. spinoy will not reverse a confirmed game result except in cases of a demonstrable technical malfunction or where required by the game provider.
• In the event of a technical malfunction during gameplay, spinoy will endeavour to resolve the issue fairly and in accordance with the game provider's malfunction policy. Where a game result cannot be verified due to a technical malfunction, the affected round may be voided and any stake returned to the Player's balance.
• Players must not use any software, tool, or system — including but not limited to bots, automated betting scripts, or exploits — to gain an unfair advantage over the Platform or other Players. Detection of such activity will result in immediate account suspension and investigation.
• Sportsbook bets are governed by spinoy's sports betting rules, which are published separately on the Platform. In the event of a conflict between the sportsbook rules and these Terms, the sportsbook rules will prevail for matters relating specifically to sports betting.

9 Prohibited Conduct

The following conduct is strictly prohibited on the spinoy Platform. Engaging in any prohibited conduct may result in immediate account suspension, permanent closure, forfeiture of balances, and where appropriate, referral to relevant authorities:

• Registering or attempting to register using false, stolen, or third-party identity information.
• Creating or operating more than one spinoy account.
• Using the Platform if you are under 21 years of age, subject to a self-exclusion order, or accessing from a Prohibited Jurisdiction.
• Depositing funds derived from criminal activity, money laundering, fraud, or any other illegal source.
• Colluding with other Players or third parties to exploit game mechanics, bonus structures, or any other Platform feature.
• Using automated software, bots, or any artificial means to interact with the Platform.
• Engaging in chargebacks, payment reversals, or disputes with payment providers in bad faith.
• Attempting to exploit technical vulnerabilities, errors, or malfunctions in the Platform.
• Harassing, threatening, or abusing spinoy staff or other Players via any communication channel.
• Any conduct that spinoy reasonably determines to be contrary to applicable Philippine law, PAGCOR regulations, or the integrity of the Platform.

10 Responsible Gaming

spinoy is committed to promoting responsible gaming practices for all Filipino players using the Platform. The following tools are available to all registered Players through their account settings:

• Deposit Limits: Set daily, weekly, or monthly deposit limits to control your spending. Limit reductions take effect immediately; increases are subject to a cooling-off period.
• Session Time Reminders: Configure reminders that notify you of how long you have been playing in a given session.
• Cooling-Off Periods: Temporarily suspend your account for a set period (24 hours to 30 days) during which you will be unable to log in or place bets.
• Self-Exclusion: Permanently exclude yourself from the spinoy Platform. Self-exclusion requests are processed immediately and cannot be reversed for a minimum period of six (6) months.
• Reality Checks: Enable pop-up notifications at regular intervals reminding you of the time and amount spent during your session.

spinoy also reserves the right to proactively apply responsible gaming controls — including account review, temporary restriction, or direct outreach — where the Platform identifies patterns of play that may indicate problem gambling behaviour.

11 Intellectual Property

All content on the spinoy Platform — including but not limited to the spinoy name, logo, branding, website design, text, graphics, game interfaces, software, and any other materials — is the property of spinoy or its licensors and is protected by applicable intellectual property laws in the Philippines and internationally.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the spinoy Platform for personal, non-commercial recreational purposes only. This licence does not permit you to:

• Copy, reproduce, distribute, or publicly display any spinoy content without express written permission.
• Modify, adapt, translate, or create derivative works based on spinoy's proprietary materials.
• Use spinoy's name, logo, or branding in any manner that implies endorsement or affiliation without express written consent.
• Reverse-engineer, decompile, or disassemble any software component of the spinoy Platform.

Any unauthorised use of spinoy's intellectual property may result in legal action. All rights not expressly granted herein are reserved by spinoy and its licensors.

12 Limitation of Liability

To the fullest extent permitted by applicable Philippine law, spinoy's total liability to any Player arising out of or in connection with their use of the Platform shall be limited to the amount of funds held in that Player's account at the time the claim arises.

spinoy shall not be liable — whether in contract, tort, negligence, or otherwise — for any of the following categories of loss or damage:

• Loss of profits, revenue, or anticipated savings.
• Loss of data or corruption of data.
• Indirect, consequential, special, or punitive damages of any kind.
• Losses arising from Platform downtime, maintenance, technical malfunctions, or interruptions to service that are outside spinoy's reasonable control.
• Losses arising from a Player's failure to comply with these Terms & Conditions or applicable law.
• Losses arising from unauthorised access to a Player's account where such access resulted from the Player's failure to maintain the security of their credentials.

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

13 Suspension & Termination

13.1 Termination by spinoy

spinoy reserves the right to suspend, restrict, or permanently close any Player account at any time, with or without prior notice, where spinoy has reasonable grounds to believe that:

• The Player has violated any provision of these Terms & Conditions.
• The Player has provided false or misleading registration information.
• The Player is or has become ineligible to use the Platform (including by reason of age or jurisdiction).
• The Player is engaged in fraudulent, collusive, or illegal activity.
• Continuation of the account poses a risk to the Platform, other Players, or spinoy's regulatory standing.
• spinoy is required to do so by PAGCOR or any other competent authority.

Where an account is closed due to a Player's breach of these Terms, spinoy reserves the right to forfeit the account balance. Where closure is for other reasons, any verified balance will be returned to the Player via their registered payment method following completion of any pending KYC or investigation processes.

13.2 Termination by Player

You may close your spinoy account at any time by contacting spinoy's customer support team at [email protected]. Account closure requests will be processed within five (5) business days. Any remaining balance will be returned to your registered payment method following identity verification, provided no outstanding investigations are pending.

14 Governing Law

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

spinoy operates under a licence issued by PAGCOR. In the event of a dispute between a Player and spinoy that cannot be resolved through spinoy's internal complaints process, the Player may refer the matter to PAGCOR in accordance with PAGCOR's published dispute resolution procedures.

15 Amendments to These Terms

spinoy reserves the right to amend, update, or replace these Terms & Conditions at any time. Where amendments are material — meaning they significantly affect Player rights or obligations — spinoy will provide not less than seven (7) days' advance notice to registered Players via the email address on file or via a prominent Platform notice.

Non-material amendments (such as corrections of typographical errors, clarifications that do not change the substance of the Terms, or changes required by law or regulation) may take effect immediately upon publication.

Continued use of the spinoy Platform after the effective date of any amendment constitutes acceptance of the revised Terms. If you do not accept the amended Terms, you must cease using the Platform and contact support to close your account.

16 Contact Information

If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the spinoy support team:

• Email: [email protected] (plain text — not a clickable link)
• Support Hours: 24 hours a day, 7 days a week
• Language: English
• Response Time: Within two (2) business days for general enquiries; within five (5) business days for formal complaints

For regulatory matters, spinoy is licensed by the Philippine Amusement and Gaming Corporation (PAGCOR). Unresolved disputes may be escalated to PAGCOR in accordance with their published procedures.