penjoy Terms & Conditions

In these Terms & Conditions, the following definitions apply unless the context expressly requires otherwise:

• "penjoy," "we," "us," "our" — refers to the penjoy platform, its operators, affiliates, and authorised representatives operating the website at penjoy.net.
• "Player," "you," "your" — refers to any individual who registers, accesses, or uses the penjoy platform in any capacity.
• "Account" — the personal account created by a Player upon successful registration and identity verification on penjoy.
• "Platform" — the penjoy website (penjoy.net), all associated pages, mobile-optimised interfaces, games, sports betting markets, and ancillary services accessible through that domain.
• "Services" — all gaming, betting, promotional, customer support, and payment processing services made available through the Platform.
• "Funds" — Philippine Peso (PHP / ₱) amounts held in a Player's penjoy wallet, whether deposited directly or credited as bonus funds.
• "Real Money Funds" — Funds deposited by the Player through approved payment methods, excluding bonus credits.
• "Bonus Funds" — promotional credits granted by penjoy subject to wagering requirements and conditions outlined in Section 6.
• "KYC" — Know Your Customer verification process requiring Players to submit valid Philippine government-issued identification documents.
• "PAGCOR" — the Philippine Amusement and Gaming Corporation, the government body that regulates online gaming activities in the Philippines.
• "Wagering Requirement" — the number of times a bonus amount must be wagered before any associated winnings can be withdrawn.
• "Prohibited Territory" — any jurisdiction outside the Philippines, or any jurisdiction within the Philippines where online gaming is specifically restricted by local ordinance.

References to the singular include the plural and vice versa. References to any statute or regulation include all amendments and successor legislation. Section headings are for convenience only and do not affect interpretation.

These Terms & Conditions constitute a legally binding agreement between you and penjoy. Your use of the Platform in any form — including browsing, registering, depositing, wagering, or claiming a promotion — constitutes your full and unconditional acceptance of these Terms.

penjoy reserves the right to update, amend, or replace any part of these Terms at any time. When material changes are made, penjoy will post the updated Terms on this page with a revised "Last Updated" date. It is your responsibility to review these Terms periodically. Continued use of the Platform following the posting of changes constitutes acceptance of those changes.

These Terms are written in English, which is the authoritative language for all penjoy legal documents. Any translations provided are for convenience only and do not form part of the binding agreement.

To register and use penjoy, you must satisfy all of the following eligibility requirements at the time of registration and at all times during your use of the Platform:

• You must be at least 21 years of age. This is the minimum legal age for casino-style gambling in the Philippines under PAGCOR regulations. penjoy enforces this requirement strictly and without exception.
• You must be physically located within the Philippines at the time of placing wagers. penjoy does not accept players from jurisdictions where online gambling is prohibited.
• You must not be acting on behalf of another person, corporation, or entity when registering or using the Platform.
• You must have full legal capacity to enter into a binding contract under Philippine law.
• You must not be a current employee, contractor, director, or immediate family member of a penjoy employee or affiliate.
• You must not be listed on any self-exclusion register, including any PAGCOR-administered exclusion program, at the time of registration.
• You must not be attempting to use the Platform from a Prohibited Territory.

penjoy reserves the right to request proof of age and identity at any time, including at registration, at the point of first withdrawal, or in response to any suspicious account activity. Failure to provide satisfactory documentation within the requested timeframe may result in account suspension.

Each player is permitted to hold one (1) penjoy account only. Registering multiple accounts — whether under the same identity or different identities — is a material breach of these Terms and will result in immediate suspension of all associated accounts and forfeiture of all funds therein.

4.1 Registration Requirements

When registering an account, you must provide accurate, complete, and current information including your full legal name, date of birth, residential address in the Philippines, valid email address, and mobile number. You must update your account information promptly if any details change.

4.2 KYC Documentation

Before penjoy processes any withdrawal, you are required to complete identity verification by submitting at least one of the following valid Philippine government-issued identification documents:

• Philippine National ID (PhilSys ID)
• Passport (Philippine or foreign, with Philippine residency proof)
• Driver's License (LTO-issued)
• UMID (Unified Multi-Purpose ID)
• SSS / GSIS / PhilHealth ID
• Voter's ID or Voter's Certification
• PRC Professional Regulation Commission ID

penjoy may request additional supporting documents such as proof of address (utility bill or bank statement dated within 90 days) or proof of payment method ownership depending on the withdrawal amount or account risk assessment.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. penjoy strongly recommends enabling two-factor authentication (2FA) on your account. You must notify penjoy immediately at [email protected] if you suspect unauthorised access to your account. penjoy will not be liable for any losses arising from your failure to maintain account security.

All financial transactions on penjoy are conducted exclusively in Philippine Pesos (PHP / ₱). penjoy does not charge deposit fees, however your payment provider may apply their own transaction charges which are outside penjoy's control.

5.1 Accepted Payment Methods

penjoy currently supports the following deposit and withdrawal methods for Philippine players:

• GCash — instant deposits; withdrawals typically processed within 30 minutes
• PayMaya — instant deposits; withdrawals processed same business day
• BPI (Bank of the Philippine Islands) — deposits and withdrawals via bank transfer
• BDO (Banco de Oro) — deposits and withdrawals via bank transfer
• Metrobank — deposits and withdrawals via bank transfer
• UnionBank — deposits and withdrawals via InstaPay

5.2 Deposit Conditions

The minimum deposit amount is ₱100. penjoy only accepts deposits from payment accounts that are registered in the Player's own name — third-party deposits are strictly prohibited. Any deposit originating from an unverified or third-party source may be reversed and the account suspended pending investigation.

5.3 Withdrawal Conditions

The minimum withdrawal amount is ₱500. All withdrawals are subject to successful completion of KYC verification. Withdrawals will only be processed to the same payment method used for the most recent deposit, up to the deposited amount — additional winnings may be withdrawn to any verified payment method registered under the Player's name. penjoy processes withdrawal requests within one (1) business day of approval. Actual receipt of funds depends on your payment provider's processing times.

penjoy offers bonuses and promotions to eligible players from time to time. All bonuses are subject to the specific terms published alongside each promotion, as well as the general conditions set out in this section. In the event of a conflict, the specific promotion terms take precedence.

6.1 General Bonus Conditions

• Bonuses are available to players aged 21 and above who have completed KYC verification, unless specifically stated otherwise in the promotion terms.
• Each promotion is available once per Player, per household, per IP address, and per device, unless explicitly stated otherwise.
• penjoy reserves the right to withdraw, amend, or extend any promotion at any time without prior notice.
• Bonuses may not be transferred, sold, or exchanged for cash except through the completion of applicable wagering requirements.
• Bonuses obtained through fraudulent means, including through multiple accounts or misleading KYC submissions, will be forfeited and the account permanently banned.

6.2 Wagering Requirements

Unless stated otherwise in a specific promotion's terms, all bonus amounts are subject to a wagering requirement. Wagering requirements must be met within the timeframe stated in the promotion terms; failure to do so results in forfeiture of the bonus and any associated winnings. Contributions toward wagering requirements vary by game type — slot games typically contribute 100%, while table games, bingo, and live dealer games may contribute at a lower rate as specified in individual promotion terms.

6.3 Loyalty Program

penjoy operates a multi-tier Loyalty Program for active real-money players. Full details of the Loyalty Program tiers, points accumulation, and reward redemption are available on the Loyalty Program page. Loyalty points have no cash value and may not be transferred between accounts.

penjoy is committed to promoting responsible gambling practices and protecting vulnerable players. Gambling is intended to be an entertaining pastime — not a source of income or a solution to financial difficulties. Sumugal nang may responsibilidad.

7.1 Responsible Gaming Tools

penjoy provides the following responsible gaming tools to all registered players, accessible at any time through your account settings:

• Deposit Limits: Set daily, weekly, or monthly deposit limits. Limit reductions take effect immediately; limit increases are subject to a 7-day cooling-off period.
• Session Time Reminders: Receive alerts after a specified duration of continuous play.
• Self-Exclusion: Temporarily suspend your account for a period of 7 days, 30 days, 6 months, or 1 year. Permanent self-exclusion is also available on request.
• Reality Check: Periodic notifications displaying your session duration and net win/loss position.

7.2 Underage Gambling Prevention

penjoy enforces the 21+ age requirement strictly. We encourage all adult players with minors in their household to use appropriate parental control software to restrict access to gambling websites. Players who suspect a minor has accessed their account must contact penjoy support immediately.

The following activities are strictly prohibited on the penjoy platform and constitute grounds for immediate account suspension, forfeiture of funds, and where appropriate, referral to law enforcement or regulatory authorities:

• Registering more than one account per person
• Providing false, misleading, or fraudulent information during registration or KYC
• Using the Platform if you are under 21 years of age
• Accessing the Platform from a jurisdiction where online gambling is prohibited
• Engaging in money laundering, terrorist financing, or any other financial crime using the Platform
• Exploiting technical errors, software bugs, or game malfunctions for financial gain
• Using automated bots, scripts, or software to interact with the Platform
• Colluding with other players to manipulate game outcomes or exploit bonus structures
• Depositing funds derived from criminal activity
• Attempting to charge back legitimate deposits via your payment provider
• Engaging in abusive, threatening, or harassing behaviour toward penjoy staff or other players
• Reselling, transferring, or assigning your penjoy account or any funds within it to another party

All content on the penjoy Platform — including but not limited to the penjoy logo, brand name, website design, graphics, game interfaces, promotional materials, written content, software, and data compilations — is the exclusive intellectual property of penjoy or its licensed content providers and is protected under Philippine law and applicable international intellectual property conventions.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal, non-commercial entertainment purposes in accordance with these Terms. This licence does not include the right to:

• Reproduce, distribute, publicly display, or create derivative works from any penjoy content without prior written consent
• Frame or mirror any portion of the Platform on any other website or platform
• Use any automated system to extract, scrape, or aggregate data from the Platform
• Use the penjoy brand name, logo, or trademarks in any manner without express written authorisation

Any unauthorised use of penjoy's intellectual property will result in immediate account termination and may be subject to civil and criminal liability under the Intellectual Property Code of the Philippines (Republic Act 8293).

To the maximum extent permitted by applicable Philippine law, penjoy's total liability to any Player in connection with any claim arising from or related to the use of the Platform shall not exceed the total amount of Real Money Funds deposited by that Player in the 30-day period immediately preceding the event giving rise to the claim.

penjoy shall not be liable for any of the following, whether arising in contract, tort, or otherwise:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunity
• Service interruptions caused by technical failures, internet outages, scheduled maintenance, or circumstances beyond penjoy's reasonable control (force majeure)
• Losses arising from a Player's failure to maintain account security
• Errors in game outcomes that are attributable to a verified software malfunction, where the malfunction is confirmed and corrective action is taken
• Delays in deposit processing or withdrawal disbursement attributable to third-party payment providers

Nothing in these Terms shall limit penjoy's liability for death or personal injury caused by its negligence, fraud, or any other liability that cannot be excluded or limited under Philippine law.

penjoy reserves the right to suspend, restrict, or permanently close any Player account at its sole discretion, with or without prior notice, in any of the following circumstances:

• Breach of any provision of these Terms & Conditions
• Failure to complete KYC verification within a reasonable timeframe
• Reasonable suspicion of fraudulent activity, money laundering, or bonus abuse
• Request or instruction from a regulatory authority, law enforcement agency, or court
• Account inactivity exceeding 12 consecutive months
• Discovery that the Player is located in a Prohibited Territory

11.1 Player-Initiated Closure

You may request closure of your penjoy account at any time by contacting support at [email protected]. Account closure requests will be processed within 5 business days. Any remaining Real Money Funds will be returned to your verified payment method after deduction of any outstanding negative balance or funds under investigation. Bonus Funds will be forfeited upon account closure.

11.2 Inactive Account Funds

Accounts with a positive Real Money balance that remain inactive for 12 or more consecutive months will be classified as dormant. penjoy will make reasonable efforts to contact the account holder before applying a monthly dormancy administration fee of ₱50 or the remaining balance (whichever is lower). Players wishing to reclaim dormant funds before full depletion should contact [email protected].

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions. The parties agree to submit to the exclusive jurisdiction of the courts of the Philippines for resolution of any dispute arising from or related to these Terms or the use of the Platform.

12.1 Dispute Resolution Process

In the event of a dispute between a Player and penjoy, the following process applies:

1. First Contact: Submit your complaint in writing to [email protected] with full details of the issue, your account information, and the outcome you are seeking. penjoy will acknowledge your complaint within 24 hours.
2. Internal Review: A penjoy compliance officer will review the complaint and provide a formal written response within 10 business days.
3. Escalation: If you are not satisfied with penjoy's response, you may escalate the matter to PAGCOR through their official regulatory channels.
4. Formal Proceedings: If the dispute remains unresolved after regulatory review, either party may pursue the matter through the appropriate Philippine courts.

During the dispute resolution process, penjoy may temporarily hold the funds relevant to the dispute pending resolution. This does not constitute forfeiture of those funds.

penjoy reserves the right to amend, update, or replace these Terms & Conditions at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. For material changes — those that significantly affect your rights or obligations as a Player — penjoy will additionally notify registered players via email or an in-platform notification at least 7 days before the changes take effect.

Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must stop using the Platform and may request account closure in accordance with Section 11.1.

It is your responsibility to check this page periodically for updates. penjoy recommends reviewing the Terms & Conditions at least once per quarter or whenever you receive a notification of changes.

If you have any questions about these Terms & Conditions, wish to exercise any of your rights, or need to report a concern, please contact the penjoy support team using the details below:

• Email: [email protected] (plain text — not a clickable link)
• Support Hours: 24 hours a day, 7 days a week, including Philippine public holidays
• Languages: English and Filipino (Tagalog)
• Platform: penjoy.net — serving players across the Philippines including Metro Manila, Cebu, Davao, Quezon City, Makati, and nationwide

These Terms & Conditions were last reviewed and updated in January 2026. They supersede all previous versions of penjoy's Terms & Conditions. For players in the Philippines only. 21+ age restriction applies without exception.