Terms & Conditions – qo123 Casino Philippines

1. Definitions

In these Terms & Conditions, the following definitions apply:

• "qo123," "we," "us," "our" refers to the qo123 online gaming platform operating at qo123.club, licensed by PAGCOR to offer online gaming services in the Philippines.
• "Platform" means the qo123 website, mobile web application, and all associated tools, features, and services accessible through qo123.club.
• "Member," "Player," "User," "you" refers to any individual who has created a registered account on qo123, including both active and inactive accounts.
• "Account" means a registered gaming account on qo123 associated with a unique username, mobile number, and password.
• "Real Money Balance" means Philippine Peso (PHP) funds deposited by the Member and held in the Member's qo123 account wallet for the purpose of gameplay.
• "Bonus Balance" means promotional funds or free credits credited to a Member's account subject to specific wagering requirements before any conversion to withdrawable funds.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the regulatory authority that licenses and oversees qo123's online gaming operations.
• "KYC" means Know Your Customer identity verification procedures required under Philippine anti-money laundering laws and PAGCOR regulations.

2. Acceptance of Terms

By accessing the qo123 Platform, creating an account, depositing funds, or placing any wager, you confirm that you have read, understood, and unconditionally agree to be bound by these Terms & Conditions, together with qo123's Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference.

If you do not agree to any provision of these Terms, you must immediately cease use of the qo123 Platform and close your account. Continued use of the Platform after any amendment to these Terms constitutes your acceptance of the revised Terms.

3. Eligibility & Registration

To register and maintain an account on qo123, you must meet all of the following eligibility requirements at all times:

• You are at least twenty-one (21) years of age. Under Philippine law and PAGCOR regulations, casino-style online gambling is restricted to adults aged 21 and above. Persons below this age are strictly prohibited from registering or playing on qo123.
• You are a natural person (not a corporation, trust, or other entity) who is physically located within the territory of the Republic of the Philippines at the time of account registration and during gameplay.
• You are not a PAGCOR employee, a qo123 employee, a software provider employee, or a direct relative of any of the above who is prohibited from playing by applicable regulations.
• You have not previously been self-excluded from qo123 or any PAGCOR-licensed gaming platform, unless the self-exclusion period has formally expired.
• You are registering and playing on your own behalf and with your own funds. Third-party account use, proxy gambling, and the use of accounts by or on behalf of another person are strictly prohibited.

During registration, qo123 will collect your full legal name, date of birth, mobile number, and government-issued identification for KYC verification. qo123 reserves the right to request additional verification documents at any time, including but not limited to a valid Philippine government ID (UMID, PhilSys ID, Passport, Driver's License, or VHAP), proof of address, and source of funds declarations.

Each individual may register only one (1) account on qo123. Registering multiple accounts — whether under the same or different personal details — is a material breach of these Terms and will result in closure of all associated accounts and forfeiture of all balances therein.

4. Account Security

You are solely responsible for maintaining the confidentiality of your qo123 account login credentials, including your username and password. You agree to:

• Use a strong, unique password for your qo123 account and not reuse it for other platforms or services.
• Enable any available two-factor authentication or OTP verification features offered by qo123.
• Immediately notify qo123 support if you suspect any unauthorised access to your account.
• Never share your login credentials with any third party, including family members.

qo123 will never ask for your password via any communication channel, including live chat, SMS, or email. Any communication claiming to be from qo123 and requesting your password should be treated as fraudulent. qo123 shall not be liable for any losses arising from a Member's failure to secure their login credentials.

5. Deposits & Withdrawals

All financial transactions on qo123 are denominated in Philippine Pesos (PHP). The following conditions apply to all deposits and withdrawals:

• Deposits: Minimum deposit amounts vary by payment method. GCash and Maya deposits require a minimum of ₱100. Bank transfers via BPI and BDO require a minimum of ₱200. Cash-in via Bayad Center and 7-Eleven Cliqq requires a minimum of ₱50.
• Withdrawal Eligibility: Withdrawals are available only to fully KYC-verified accounts. qo123 may require additional documentation before processing withdrawals above certain thresholds in compliance with PAGCOR's anti-money laundering requirements.
• Withdrawal Timing: qo123 targets same-day processing for withdrawals submitted before the daily cut-off time. Processing times may vary depending on the payment method and the Member's bank or e-wallet provider.
• Source of Funds: All deposits must originate from a payment account held in the name of the registered qo123 Member. Third-party deposits are not accepted and will be returned minus any processing fees incurred.
• Currency: qo123 does not accept deposits in foreign currency. All deposits must be made in PHP. Any currency conversion required is the sole responsibility of the Member.

6. Bonuses & Promotions

qo123 offers various bonuses and promotions to both new and existing Members from time to time. All bonuses are subject to the following general conditions, in addition to any specific terms stated at the time of the offer:

• All bonuses are subject to wagering requirements ("turnover requirements") that must be satisfied before any associated winnings may be withdrawn. The applicable wagering multiplier is specified in the individual promotion's terms.
• Bonus funds and any winnings generated from bonus funds may not be withdrawn until all wagering requirements are completed.
• qo123 reserves the right to withdraw, cancel, or modify any bonus offer at any time without prior notice, including if there is reason to believe the offer is being exploited or abused.
• Only one bonus may be active per account at any time unless a promotion's specific terms explicitly state otherwise.
• Bonuses are non-transferable between accounts and have no cash value outside of the qo123 Platform.

7. Betting Rules

All bets placed on qo123 — whether on slot games, live casino tables, sports betting markets, bingo, or sabong — are final once confirmed. The following rules apply across all gaming verticals on qo123:

• It is the Member's sole responsibility to ensure that a bet is placed correctly before confirming. qo123 cannot cancel confirmed bets except in circumstances of a verified technical error on the Platform's side.
• In the event of a verified technical malfunction that affects the outcome of a game, qo123 reserves the right to void affected bets and return stakes to Members' accounts.
• Sports betting markets are subject to qo123's Sports Betting Rules, which are published separately and form part of these Terms by reference.
• Maximum bet limits apply to certain games and markets. These limits are displayed within the relevant game or betting interface and may vary by Member account tier.
• Minimum bet amounts vary by game type and are visible within each game's interface prior to placing any wager.

8. Prohibited Activities

The following activities are strictly prohibited on qo123. Engaging in any prohibited activity constitutes a material breach of these Terms and may result in immediate account suspension, closure, and forfeiture of all balances:

• Using automated betting software, bots, scripts, or any mechanical or electronic device to gain an unfair advantage in any game or betting market.
• Exploiting software bugs, errors, or loopholes in qo123's Platform. Any winnings obtained through exploitation of a technical error are void.
• Colluding with other Members or with any game provider personnel to manipulate game outcomes.
• Engaging in or facilitating money laundering, fraud, identity theft, or any activity prohibited under the Anti-Money Laundering Act (AMLA) of the Philippines.
• Using another person's account, payment account, or identity to access qo123 or place bets.
• Making chargebacks or reversals through a payment provider without first contacting qo123 support. Unjustified chargebacks will result in account closure.
• Registering more than one account, whether under the same or different personal details.
• Accessing qo123 from a jurisdiction where online gambling is illegal under applicable local law.

9. Responsible Gaming

qo123 is committed to promoting responsible gaming and minimising the potential for gambling-related harm among its Members. In fulfilment of PAGCOR's responsible gaming requirements, qo123 provides the following tools to all registered Members:

• Deposit Limits: Members may set daily, weekly, or monthly maximum deposit limits via their account settings. Once set, limits take effect immediately. Requests to increase limits are subject to a mandatory 24-hour cooling-off period.
• Loss Limits: Members may set maximum loss thresholds per day, week, or month to help manage gambling expenditure.
• Session Time Reminders: Members may configure automatic reminders that display after a set period of continuous play.
• Self-Exclusion: Members who wish to take a break from gambling may request temporary (30, 60, or 90 days) or permanent self-exclusion from qo123. During the exclusion period, the Member's account will be suspended and all marketing communications will cease.

qo123 strictly enforces the 21-year minimum age requirement. qo123 employees are trained to identify signs of problem gambling and are empowered to initiate responsible gaming interventions where necessary. For support beyond qo123's internal tools, Members are encouraged to seek help from PAGCOR's responsible gaming resources.

10. Suspension & Termination

qo123 reserves the right to suspend, restrict, or permanently close any Member account at any time, with or without prior notice, for any of the following reasons:

• Breach of any provision of these Terms & Conditions.
• Failure to complete KYC verification within the required timeframe.
• Suspicion of fraudulent activity, money laundering, or other criminal conduct.
• A valid self-exclusion request by the Member or a third party acting on the Member's behalf.
• Discovery that the Member does not meet the eligibility requirements set out in Section 3.
• A direction from PAGCOR or any other competent Philippine authority.

Upon account closure, any Real Money Balance remaining in the Member's account will be returned via the Member's registered payment method, provided the account was not closed due to fraud, breach of Terms, or money laundering concerns. Bonus balances and associated winnings are non-refundable upon account closure for cause.

11. Limitation of Liability

To the fullest extent permitted by applicable Philippine law, qo123's total liability to any Member arising from or related to the use of the Platform — whether in contract, tort, or otherwise — shall not exceed the total amount deposited by that Member in the thirty (30) days immediately preceding the event giving rise to the claim.

qo123 is not liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of the Platform, including but not limited to loss of profits, loss of data, or loss of winnings caused by circumstances beyond qo123's reasonable control. This includes, without limitation, disruptions to the internet, payment network outages, or force majeure events.

The qo123 Platform is provided on an "as is" and "as available" basis. While qo123 makes every reasonable effort to maintain Platform availability, we do not guarantee uninterrupted access and accept no liability for service disruptions caused by maintenance, technical failures, or network issues.

12. Intellectual Property

All content on the qo123 Platform — including but not limited to the qo123 brand name, logo, website design, game interfaces, text, images, graphics, software, and any other proprietary materials — is the intellectual property of qo123 or its licensed content providers and is protected under Philippine intellectual property law.

Members are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal entertainment purposes. This licence does not permit reproduction, distribution, modification, or commercial use of any Platform content without qo123's prior written consent.

13. Privacy

qo123 collects, processes, and stores personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By registering on qo123, you consent to the collection and processing of your personal data as described in the Privacy Policy.

qo123 is required to share Member information with PAGCOR and other competent Philippine authorities in fulfilment of its regulatory obligations, including AMLA compliance reporting.

14. Governing Law & Dispute Resolution

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflicts of law principles.

Any dispute arising out of or relating to these Terms, the qo123 Platform, or any transaction conducted thereon shall first be referred to qo123's support team for resolution. If the dispute cannot be resolved informally within thirty (30) days, either party may escalate the matter to PAGCOR's dispute resolution mechanism. If PAGCOR's mechanism does not resolve the dispute, the parties submit to the exclusive jurisdiction of the competent courts of the Philippines.

15. Amendments to These Terms

qo123 reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, qo123 will provide reasonable notice to Members via email or a prominent in-platform notification at least seven (7) days before the changes take effect, except where immediate amendment is required by PAGCOR direction or applicable law.

Your continued use of the qo123 Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you must close your account and cease using the Platform before the effective date.

16. Contact Information

If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the qo123 support team via live chat (available 24/7 within the Platform) or via the email address listed on the qo123 website. qo123 will acknowledge all written queries within two (2) business days.

For regulatory matters, qo123 is supervised by PAGCOR, the Philippines' national gaming regulatory authority.