win4life Terms & Conditions

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

• "win4life," "we," "us," "our" refers to the win4life platform, its operators, affiliates, and authorised agents, operating under PAGCOR licensing authority in the Republic of the Philippines.
• "Platform" means the win4life website located at win4life.win, including all associated mobile-optimised interfaces, applications, and services offered therein.
• "You," "User," "Player," "Account Holder" refers to any natural person who accesses, registers on, or uses the win4life Platform in any capacity.
• "Account" means the individual player account registered on the win4life Platform, through which access to games, financial transactions, and platform features is managed.
• "Real Money Balance" refers to verified, deposited funds held in a win4life Account, available for wagering and withdrawal subject to these Terms.
• "Bonus Balance" refers to any promotional credits, free spins, or non-cashable amounts credited to an Account under a win4life promotional offer.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the regulatory body under whose licensing authority win4life operates.
• "KYC" means Know Your Customer identity verification procedures required by win4life and PAGCOR regulations prior to withdrawal of funds.

To register a win4life Account, you must:

• Be a natural person of at least 21 years of age;
• Be physically located in, or a resident of, the Republic of the Philippines at the time of registration and during use of the Platform;
• Not be a citizen or resident of any jurisdiction in which accessing online gambling services is prohibited by local law;
• Not be a current employee, contractor, director, or immediate family member of win4life or its affiliated operators;
• Provide accurate, complete, and truthful information during the registration process, including your full legal name, date of birth, address, and valid contact details;
• Agree to complete the win4life KYC verification process when required, which may include submission of a government-issued identity document (SSS ID, PhilSys National ID, Passport, Driver's Licence, or equivalent) and proof of address.

win4life permits only one registered Account per person. The creation of duplicate, multiple, or fraudulent accounts for any purpose — including circumventing bonuses, account restrictions, or self-exclusion — is strictly prohibited and constitutes grounds for permanent account closure and forfeiture of balances.

As a win4life Account Holder, you are solely responsible for:

• Maintaining the confidentiality of your win4life login credentials, including your username and password. You must not share your credentials with any third party under any circumstances;
• All activity conducted through your Account, whether or not you have authorised that activity;
• Ensuring that your Account details — including email address, phone number, and payment method information — remain current and accurate at all times;
• Notifying win4life support immediately if you suspect unauthorised access to your Account;
• Ensuring that your use of the win4life Platform complies with all applicable Philippine laws and regulations.

Win4life will never proactively contact you to request your password. Any communication purporting to request your win4life login credentials should be treated as a phishing attempt and reported to support@win4life.win immediately.

Win4life reserves the right to suspend, restrict, or permanently close any Account at any time for reasons including but not limited to: suspected fraud, breach of these Terms, regulatory requirements, inability to complete KYC verification, or failure to respond to compliance requests within the stipulated timeframe.

4.1 Deposits. All deposits to a win4life Account must be made using payment methods authorised by win4life, including GCash, Maya (PayMaya), BPI, BDO, Metrobank bank transfer, GrabPay, InstaPay, PesoNet, 7-Eleven CLiQQ, and Visa/Mastercard debit and credit cards. Deposits must be made from payment instruments held in the Account Holder's own name. Third-party deposits are strictly prohibited.

4.2 Minimum Deposit. The minimum deposit amount is ₱100, unless otherwise specified by an active win4life promotion. Minimum and maximum amounts are subject to change without prior notice; current limits are displayed at the point of transaction.

4.3 Withdrawals. Withdrawal requests are subject to the following conditions:

• The Account Holder must have completed win4life KYC verification before any withdrawal is processed;
• Withdrawals may only be made to payment instruments registered in the Account Holder's own name;
• win4life targets processing of withdrawal requests within one (1) hour of approval for e-wallet methods (GCash, Maya). Bank transfer withdrawals may take up to three (3) business days depending on the recipient bank;
• win4life reserves the right to conduct additional identity and source-of-funds verification for withdrawal requests above ₱50,000 or for requests that trigger internal compliance thresholds;
• The minimum withdrawal amount is ₱200. Withdrawal fees, if applicable, will be disclosed at the point of transaction.

4.4 Currency. All transactions on the win4life Platform are denominated in Philippine Peso (PHP / ₱). win4life is not responsible for any currency conversion fees charged by third-party payment processors.

4.5 Anti-Money Laundering. Win4life is required by PAGCOR regulations and Philippine anti-money laundering laws (Republic Act No. 9160, as amended) to conduct transaction monitoring. Win4life will report suspicious transactions to the Anti-Money Laundering Council (AMLC) as required by law. Account Holders are prohibited from using the Platform for any money laundering activity.

All games available on the win4life Platform operate according to individual game rules published within each game's interface or help section. In the event of a conflict between these Terms and individual game rules, the individual game rules prevail with respect to game-specific mechanics, and these Terms prevail with respect to account, financial, and compliance matters.

Win4life games are provided by third-party software suppliers including but not limited to Evolution Gaming, Pragmatic Play, PG Soft, Jili Games, SA Gaming, and Habanero. All game outcomes are determined by independently certified Random Number Generators (RNG) or by live physical processes in the case of live dealer games. Win4life does not influence game outcomes.

Win4life publishes Return to Player (RTP) information for all applicable game categories. Stated RTP figures represent the long-term statistical average return and do not guarantee individual session outcomes. All bets placed on the win4life Platform are final once confirmed. Win4life will not accept bet cancellation requests after a game round has commenced except in cases of verified technical error.

Win4life may offer bonuses, promotional credits, free spins, and other incentive programmes to Account Holders from time to time. All bonuses are subject to specific promotion terms disclosed at the time of the offer, including applicable wagering requirements, game restrictions, time limits, and maximum withdrawal limits.

General bonus conditions applicable to all win4life promotions unless specifically stated otherwise:

• Bonuses are available to verified, active win4life Account Holders who meet the eligibility criteria specified in the relevant promotion;
• Bonuses may not be transferred between accounts;
• Win4life reserves the right to withdraw, modify, or cancel any bonus at any time if it determines that the bonus has been claimed in bad faith, through abuse of the promotion system, or through multiple accounts;
• Standard wagering requirements for deposit match bonuses are 30x the bonus amount unless otherwise specified. Wagering contributions vary by game type: slots typically contribute 100%; live casino table games typically contribute 10% or less;
• Bonus funds may not be withdrawn directly. Only winnings derived from bonus wagering that meet the applicable wagering requirement may be converted to Real Money Balance and withdrawn.

Win4life provides the following responsible gaming tools to all Account Holders at no cost and accessible at any time from Account Settings:

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts;
• Loss Limits: Set maximum net loss thresholds per session, day, week, or month;
• Session Time Limits: Restrict total time spent on the Platform per session or per day;
• Reality Checks: Receive periodic notifications showing session duration and net wagering position;
• Self-Exclusion: Voluntarily exclude yourself from the win4life Platform for a defined period (1 week, 1 month, 6 months, 1 year) or permanently. During a self-exclusion period, win4life will take all reasonable steps to prevent login and promotional communications.

Win4life cooperates fully with PAGCOR's responsible gaming framework and will comply with any PAGCOR-mandated player protection requirements. Win4life complies with the Philippine law on self-exclusion for problem gamblers as implemented through the PAGCOR casino regulatory framework. For assistance, please see our Responsible Gaming page.

The following activities are strictly prohibited on the win4life Platform and constitute grounds for immediate Account suspension, permanent closure, and forfeiture of balances:

• Creating or operating multiple win4life Accounts for any purpose;
• Providing false, inaccurate, or fraudulent registration information or KYC documentation;
• Using the Platform while subject to a PAGCOR self-exclusion order or a win4life self-exclusion;
• Using automated systems, bots, scripts, or other technical means to interact with the Platform or gain unfair advantage in any game;
• Exploiting software bugs, errors, or misconfigured games for financial gain ("bonus abuse," "game glitch exploitation");
• Colluding with other players in any game that involves player-versus-player mechanics;
• Using the Platform for any money laundering or terrorist financing purpose;
• Making chargebacks or payment reversals in bad faith after wagering deposited funds;
• Accessing the Platform from a jurisdiction in which online gambling is prohibited by applicable local law;
• Any activity that win4life reasonably determines to constitute fraud, manipulation of the Platform, or material breach of these Terms.

All content on the win4life Platform — including but not limited to text, graphics, logos, game interfaces, software, trademarks, and user experience design — is the intellectual property of win4life or its licensed content suppliers, protected under applicable Philippine and international intellectual property laws.

Account Holders are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial entertainment purposes only. This licence does not permit reproduction, distribution, modification, reverse engineering, public display, or creation of derivative works from any win4life Platform content without prior written authorisation from win4life.

Win4life collects, processes, and stores personal data in accordance with its Privacy Policy and applicable Philippine data protection laws, including the Data Privacy Act of 2012 (Republic Act No. 10173). By registering on the Platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Win4life will not sell, rent, or transfer your personal data to unaffiliated third parties for their own marketing purposes without your consent, except as required by law or PAGCOR regulatory mandate. All data is stored and processed with appropriate technical and organisational security measures in place.

To the fullest extent permitted by applicable Philippine law, win4life's total liability to any Account Holder arising from or in connection with these Terms, the Platform, or any game shall be limited to the net Real Money Balance held in the Account Holder's win4life Account at the time the relevant claim arises.

Win4life shall not be liable for:

• Any indirect, consequential, special, incidental, or punitive damages arising from use of the Platform;
• Loss of profits, loss of gaming opportunity, or loss of data;
• Interruptions to Platform availability caused by maintenance, technical failure, cyberattack, force majeure events, or actions of third-party service providers beyond win4life's reasonable control;
• Loss arising from a User's failure to safeguard their win4life login credentials;
• Any loss caused by the User's breach of these Terms.

Nothing in these Terms limits win4life's liability for death, personal injury, or fraud caused by win4life's negligence or wilful misconduct.

12.1 Amendments. Win4life reserves the right to amend these Terms & Conditions at any time. Material amendments will be communicated to Account Holders via the email address registered on their Account at least seven (7) days prior to the effective date of the change. Continued use of the Platform after the effective date of an amendment constitutes acceptance of the revised Terms.

12.2 Account Closure by You. You may close your win4life Account at any time by contacting support via live chat. Prior to closure, all pending withdrawal requests must be completed. Any remaining verified Real Money Balance will be refunded to your registered payment method within five (5) business days. Bonus Balances are forfeited upon voluntary Account closure.

12.3 Account Termination by win4life. Win4life reserves the right to suspend or permanently terminate any Account at any time, for any reason, with or without prior notice, including but not limited to breach of these Terms, regulatory requirements, or cessation of operations in a particular market. In the event of termination for cause (breach, fraud, prohibited activity), win4life may forfeit any outstanding balances in accordance with applicable law and PAGCOR guidelines.

12.4 Governing Law & Dispute Resolution. These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from these Terms or the use of the win4life Platform shall first be subject to good-faith resolution through win4life's internal dispute resolution process. Unresolved disputes may be escalated to PAGCOR in accordance with its published complaint-handling procedures. Philippine courts of competent jurisdiction shall have exclusive jurisdiction over any dispute not resolved through the above processes.

12.5 Severability. If any provision of these Terms is found to be invalid, unlawful, or unenforceable under applicable Philippine law, that provision shall be deemed severed from the remainder of these Terms, which shall continue in full force and effect.

12.6 Entire Agreement. These Terms, together with the win4life Privacy Policy, Responsible Gaming Policy, and any applicable game-specific or promotion-specific rules, constitute the entire agreement between win4life and the Account Holder with respect to use of the Platform, superseding all prior representations or understandings.