garogem Terms & Conditions

01 Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player", "User", "you") and garogem ("garogem", "we", "us", "our"), the operator of the online gaming platform accessible at garogem.app. By accessing, registering on, or otherwise using any part of the garogem platform, you unconditionally accept and agree to be bound by these Terms in their entirety, together with our Privacy Policy and Responsible Gaming Policy, each of which is incorporated into these Terms by reference.

If you do not agree to any part of these Terms, you must immediately cease using the garogem platform and close your account if one has been opened. Continued use of any garogem service after the publication of updated Terms constitutes your acceptance of those updates.

02 Eligibility & Registration

2.1 Age Requirement

You must be at least twenty-one (21) years of age to register an account and participate in any real-money gaming activity on garogem. This minimum age requirement is mandated by the Philippine Amusement and Gaming Corporation (PAGCOR) and applies to all players regardless of their location at the time of access. garogem strictly prohibits gambling by minors and will permanently close any account found to belong to a person under the age of 21, with any remaining balance returned to the depositing payment method after regulatory review.

2.2 Geographic Eligibility

garogem primarily serves players located in the Philippines. It is your sole responsibility to ensure that accessing and using garogem is lawful in your jurisdiction. Players accessing garogem from jurisdictions where online gambling is prohibited do so at their own risk and in violation of these Terms. garogem reserves the right to restrict or block access from any jurisdiction at any time.

2.3 Registration Information

When registering a garogem account, you must provide accurate, current, and complete personal information including your full legal name, date of birth, residential address, and a valid contact email address and Philippine mobile number. You agree to update your account information promptly if any details change. garogem reserves the right to suspend any account where registration information is found to be false, incomplete, or misleading.

2.4 One Account Policy

Each individual person may register and maintain only one (1) garogem account. Opening multiple accounts — whether using the same or different personal details — is strictly prohibited. garogem employs technical and manual verification measures to detect duplicate accounts. Where duplicate accounts are confirmed, garogem reserves the right to close all associated accounts, void any bonus funds, and withhold pending withdrawals pending investigation.

03 Know Your Customer (KYC) Verification

In compliance with PAGCOR licensing requirements and applicable Philippine anti-money laundering laws, garogem is required to verify the identity of all account holders before enabling real-money deposit and withdrawal functions. This process is referred to as Know Your Customer ("KYC") verification.

3.1 Required Documents

You may be required to submit one or more of the following Philippine government-issued documents:

• Philippine National ID (PhilSys)
• Passport (Philippine or foreign, with valid Philippine visa if applicable)
• Driver's License issued by the Land Transportation Office (LTO)
• Unified Multi-Purpose ID (UMID) / SSS / GSIS card
• Voter's ID issued by the Commission on Elections (COMELEC)
• Professional Regulation Commission (PRC) ID

3.2 Proof of Payment Method

garogem may also request verification of your payment method, including screenshots of your registered GCash or Maya account showing your full name and mobile number, or bank statements confirming account ownership where bank transfers are used.

3.3 Processing Timeline

garogem aims to complete standard KYC verification within one (1) to three (3) business days of receiving complete documentation. During the review period, withdrawal requests may be placed on hold. garogem will not be liable for any delay in withdrawals caused by an incomplete or pending KYC submission.

3.4 Right to Request Additional Verification

garogem reserves the right to request additional verification documentation at any time, including prior to processing a large withdrawal, in response to unusual account activity, or as required by applicable regulatory guidelines. Failure to provide requested documentation within the specified time frame may result in account suspension.

04 Account Rules & Security

4.1 Account Credentials

You are solely responsible for maintaining the confidentiality of your garogem username and password. You must not share your login credentials with any other person. garogem strongly recommends enabling two-factor authentication (2FA) on your account for additional security. Any activity conducted through your account while you are logged in will be deemed to have been authorized by you.

4.2 Unauthorized Access

If you suspect that your garogem account has been accessed without your authorization, you must notify the garogem support team immediately via live chat or by emailing [email protected]. garogem will investigate the matter and may temporarily suspend the account during investigation. garogem will not be liable for losses resulting from unauthorized access where you have failed to maintain reasonable security over your credentials.

4.3 Account Currency

All garogem accounts are denominated in Philippine Peso (PHP / ₱). All deposits, bets, winnings, and withdrawals are processed in PHP unless expressly stated otherwise in a specific promotion or game setting.

4.4 Dormant Accounts

An account is considered dormant if no login activity has been recorded for a consecutive period of twelve (12) months. garogem reserves the right to apply a monthly dormancy administration fee to dormant accounts as permitted by applicable regulations. Players will be notified by email before any dormancy fees are applied.

05 Deposits & Withdrawals

5.1 Accepted Payment Methods

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

• GCash (e-wallet)
• Maya (formerly PayMaya)
• BPI Online Banking
• BDO Online Banking
• Metrobank Online Banking
• InstaPay fund transfer
• QR Ph payment standard

5.2 Minimum and Maximum Transactions

Minimum deposit and withdrawal amounts, as well as any applicable transaction limits per payment method, are displayed at the point of transaction within your garogem account dashboard. These limits may be updated periodically and are subject to change without prior notice.

5.3 Withdrawal Eligibility

Withdrawals may only be made to a payment method that has been verified in your account and that was previously used to make a deposit, unless garogem's compliance team approves an exception following a formal written request. garogem reserves the right to request additional identity documentation before processing any withdrawal above a threshold determined by the compliance team.

5.4 Processing Times

garogem aims to process withdrawal requests within twenty-four (24) hours for verified accounts. Processing times may be extended for accounts with pending KYC documentation, accounts flagged for security review, or during high-volume processing periods. garogem is not responsible for delays caused by third-party payment processors or bank clearing timelines.

5.5 Transaction Fees

garogem does not charge transaction fees on standard GCash or Maya deposits or withdrawals. Fees charged by third-party payment providers are outside garogem's control and will be borne by the player. Bank transfer fees, where applicable, will be disclosed at the point of transaction.

06 Bonuses & Promotions

6.1 General Bonus Terms

All bonuses, free spins, cashback offers, and promotional credits offered by garogem are subject to specific wagering requirements and terms that are published alongside each individual promotion. In the event of any conflict between general bonus terms in this section and the specific terms of an individual promotion, the specific promotion terms shall prevail.

6.2 Wagering Requirements

Bonus funds credited to your garogem account must be wagered a minimum number of times (the "wagering requirement") before any portion of the bonus or winnings derived from bonus funds may be withdrawn. The applicable wagering multiplier for each promotion is stated in the promotion's specific terms. Attempts to withdraw bonus funds before wagering requirements are met will result in cancellation of the bonus and any winnings attributed to it.

6.3 Bonus Eligibility

Players are not permitted to hold more than one welcome bonus across multiple accounts. garogem reserves the right to determine a player's eligibility for any promotion at its sole discretion. Bonuses are intended for individual recreational use only and may not be transferred, exchanged, or redeemed for cash except as expressly stated in the promotion terms.

6.4 Bonus Abuse

garogem has a zero-tolerance policy toward bonus abuse, including but not limited to: creating multiple accounts to claim bonuses more than once; using low-risk or arbitrage betting strategies to meet wagering requirements while minimizing genuine gameplay risk; or coordinating with other players to exploit promotions. Where bonus abuse is detected, garogem reserves the right to void the bonus and any associated winnings, and to close the account.

07 Game Rules & Fairness

All games available on the garogem platform — including slots, live dealer games, bingo, color prediction, and sports betting markets — are governed by individual game rules that are accessible within each game interface. Players are responsible for familiarizing themselves with game rules before placing real-money bets.

7.1 Random Number Generation

garogem's electronic casino games use certified Random Number Generators (RNGs) to determine game outcomes. RNG systems are independently tested and certified to ensure statistical fairness and unpredictability of results.

7.2 Live Dealer Games

Live dealer game outcomes are determined by physical means (cards, roulette wheels, dice) in a studio environment and are streamed to players in real time. garogem is not responsible for interruptions in live game streaming caused by network conditions on the player's end.

7.3 Malfunction Policy

In the event of a game malfunction, technical error, or system failure that affects a game in progress, garogem reserves the right to void the affected game round and return the wagered amount to the player's balance. No winnings will be paid on a game round that ended due to a technical malfunction. garogem's decision on malfunction outcomes is final and binding.

7.4 Sports Betting

Sports betting markets offered on garogem are subject to market-specific rules covering event settlement, void conditions, and in-play betting cutoff times. garogem reserves the right to suspend a market, void a bet, or cancel a market in cases of evident error, late score changes, or force majeure events affecting the contest.

08 Prohibited Conduct

The following conduct is strictly prohibited on the garogem platform. Engaging in any of the following may result in immediate account suspension, forfeiture of balances, and referral to PAGCOR and relevant Philippine law enforcement authorities:

• Using automated software, bots, scripts, or artificial intelligence tools to interact with any garogem game or betting market
• Colluding with other players to gain an unfair advantage in any game, including poker or live dealer games
• Exploiting software bugs, glitches, or errors to generate artificial winnings
• Engaging in money laundering or using garogem to process funds derived from illegal activities
• Opening accounts using false, stolen, or third-party identity documents
• Reverse engineering, decompiling, or copying any part of the garogem platform
• Attempting to gain unauthorized access to garogem's servers, databases, or administrative systems
• Using a VPN or proxy service to circumvent geographic restrictions or access controls
• Harassing, threatening, or abusing garogem support staff or other players via any communication channel
• Conducting any activity that violates applicable Philippine law, PAGCOR regulations, or these Terms

09 Intellectual Property

All content on the garogem platform — including but not limited to software, game designs, graphics, logos, trademarks, text, audio, video, and the overall platform architecture — is the exclusive property of garogem or its licensed content providers and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the garogem platform solely for your personal recreational use in accordance with these Terms. This license does not grant you any ownership rights in any garogem content. You may not reproduce, distribute, publicly display, modify, or create derivative works from any garogem content without prior written authorization from garogem.

10 Privacy & Data

garogem collects, stores, and processes personal data in accordance with its Privacy Policy, which forms part of these Terms and is available at garogem.app/privacy-policy. By registering a garogem account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

garogem processes personal data for the purposes of account management, identity verification, payment processing, fraud prevention, regulatory compliance, and improvement of platform services. garogem does not sell personal data to third parties. Data sharing is limited to regulatory bodies (including PAGCOR), payment processors, and technology service providers operating under data processing agreements with garogem.

11 Responsible Gaming

garogem is committed to promoting responsible gaming practices in accordance with PAGCOR's responsible gaming framework. garogem provides a range of tools to help players manage their gambling activity, including deposit limits, session time reminders, loss limits, cooling-off periods, and self-exclusion options.

Players who wish to activate any responsible gaming tool may do so from the Responsible Gaming section of their garogem account settings. Self-exclusion requests are processed within twenty-four (24) hours of submission and are irrevocable for the duration of the exclusion period selected.

garogem strictly enforces the 21+ age requirement and will not knowingly permit underage individuals to gamble on its platform. Any player who believes they may have a gambling problem is encouraged to visit the garogem Responsible Gaming page for resources and support options.

12 Limitation of Liability

To the maximum extent permitted by applicable Philippine law, garogem's total aggregate liability to you arising out of or in connection with your use of the platform — whether based in contract, tort, negligence, strict liability, or otherwise — shall not exceed the total amount of deposits made by you to your garogem account in the thirty (30) days preceding the event giving rise to the claim.

garogem shall not be liable for any indirect, incidental, special, consequential, or punitive losses or damages, including loss of profits, loss of data, or loss of goodwill, arising from your use of or inability to use any part of the garogem platform, even if garogem has been advised of the possibility of such damages.

garogem shall not be liable for service interruptions, system downtime, or data loss caused by circumstances outside its reasonable control, including but not limited to natural disasters, power outages, internet service provider failures, PAGCOR-directed service suspensions, or cyber attacks.

13 Suspension & Termination

13.1 By garogem

garogem reserves the right to suspend or terminate your account at any time, with or without prior notice, if it reasonably believes you have breached any provision of these Terms, engaged in fraudulent or unlawful conduct, or if required to do so by PAGCOR or another competent authority. Upon termination for cause, garogem may withhold any balance pending investigation and retain funds as permitted by law where fraud or regulatory breach is confirmed.

13.2 By the Player

You may close your garogem account at any time by submitting a written closure request to [email protected]. Upon receipt of your request, garogem will process any valid pending withdrawals of real-money balances (net of any bonus funds that have not met wagering requirements) within the standard withdrawal processing timeline. Account closure does not affect any legal obligations or liabilities that arose prior to the closure date.

13.3 Self-Exclusion

Players who close their accounts via the self-exclusion tool on the Responsible Gaming settings page are subject to a mandatory cooling-off period during which reactivation will not be permitted. Please visit the Responsible Gaming page for full self-exclusion details.

14 Governing Law & Dispute Resolution

These Terms and all matters arising from or related to your use of garogem shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles.

In the event of a dispute between you and garogem arising from these Terms or your use of the platform, you agree to first attempt to resolve the matter informally by contacting garogem's support team at [email protected]. garogem will make reasonable efforts to resolve complaints within ten (10) business days of receipt.

If a dispute cannot be resolved informally, both parties agree to submit to the jurisdiction of the appropriate Philippine courts or, where applicable, to PAGCOR's dispute resolution process as the primary regulatory authority overseeing garogem's operations.

15 Amendments to These Terms

garogem reserves the right to amend, update, or replace any part of these Terms at any time. When material changes are made, garogem will notify registered players via email or a prominent notice on the platform prior to the changes taking effect. The updated Terms will be published at garogem.app/terms-conditions with a revised effective date.

Your continued use of the garogem platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with any amended Terms, you must stop using garogem and may close your account as described in Section 13.2 above.

16 Contact Information

If you have questions about these Terms and Conditions, wish to make a complaint, or need assistance with your garogem account, please contact the garogem support team through the following channels:

• Live Chat: Available 24/7 inside your garogem account dashboard
• Email: [email protected] (plain text — not a clickable link)
• Regulatory Authority: Philippine Amusement and Gaming Corporation (PAGCOR)

garogem aims to respond to all email queries within two (2) business days. For urgent account or payment issues, live chat is the recommended and fastest contact channel.