codwin Casino
Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions (the "Terms") constitute a legally binding agreement between you (the "Player," "User," or "you") and codwin Casino (the "Company," "we," "us," or "our"), a Philippine-based online gaming platform operating under the laws of the Republic of the Philippines and licensed by the Philippine Amusement and Gaming Corporation (PAGCOR) under License Number COR-12385-2018.

By accessing the codwin Casino website located at https://codwin.cam (the "Website"), creating an account, depositing funds, or placing any wagers, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety, including all policies and guidelines referenced herein. If you do not agree with any provision of these Terms, you must immediately cease using the Website and refrain from creating an account.

These Terms supplement and should be read in conjunction with our Privacy Policy and Responsible Gaming Policy, which form an integral part of this agreement.

2. Eligibility Requirements

To register an account and use the services provided by codwin Casino, you must meet the following eligibility criteria:

2.1 Age Requirement

You must be at least twenty-one (21) years of age at the time of registration. codwin Casino strictly prohibits underage gambling. We reserve the right to request proof of age at any time, including government-issued identification documents such as a Philippine passport, driver's license, or UMID card. Failure to provide satisfactory proof of age will result in immediate account suspension and forfeiture of all funds, deposits, and winnings.

2.2 Legal Jurisdiction

You must be a resident of the Republic of the Philippines or a jurisdiction where online gambling is legal and permitted. It is your sole responsibility to ensure that your use of codwin Casino complies with the laws of your jurisdiction. We do not accept players from countries or territories where online gambling is prohibited by law, including but not limited to the United States, the United Kingdom, France, and Singapore.

2.3 Mental Capacity

You must have the legal capacity to enter into binding contracts under Philippine law. You represent and warrant that you are not subject to any legal disability that would prevent you from entering into this agreement.

2.4 Single Account Policy

Each Player is permitted to register and maintain only one (1) account with codwin Casino. Duplicate accounts, multiple accounts, or accounts created to circumvent restrictions or abuse bonuses are strictly prohibited and will result in immediate closure of all accounts and forfeiture of funds.

3. Account Registration and Security

3.1 Registration Process

To create an account at codwin Casino, you must complete the registration form and provide accurate, current, and complete information, including but not limited to:

• Full legal name as it appears on your government-issued identification
• Valid email address
• Mobile phone number registered in your name
• Date of birth
• Residential address
• Preferred username and password

You agree to maintain and promptly update your account information to keep it accurate, current, and complete. Providing false, misleading, or fraudulent information is grounds for immediate account termination.

3.2 Identity Verification (KYC)

In accordance with Philippine Anti-Money Laundering (AMLA) regulations and PAGCOR licensing requirements, codwin Casino employs a Know Your Customer (KYC) verification process. You may be required to submit copies of the following documents:

• Government-issued photo identification (passport, driver's license, national ID, or UMID)
• Proof of address (utility bill, bank statement, or government correspondence dated within the last three months)
• Proof of payment method (screenshot of GCash account, bank statement, or credit card with middle digits obscured)

Withdrawals and certain account functions may be restricted until identity verification is successfully completed. We reserve the right to request additional documentation at any time.

3.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your username, password, and any two-factor authentication (2FA) codes. You agree to:

• Choose a strong, unique password and not share it with any third party
• Enable two-factor authentication when available
• Immediately notify codwin Casino of any unauthorized access to your account
• Log out of your account after each session, particularly when using shared or public devices

You accept full responsibility for all activities conducted through your account, whether authorized or unauthorized. codwin Casino is not liable for any loss or damage arising from your failure to comply with these security obligations.

4. Deposits and Payment Methods

4.1 Accepted Payment Methods

codwin Casino accepts deposits through the following payment methods available to Philippine residents:

• GCash mobile wallet
• Maya (formerly PayMaya) mobile wallet
• Philippine banks: BPI, BDO, Metrobank, UnionBank, Landbank, PNB, Security Bank, RCBC
• Over-the-counter: 7-Eleven Cliqq, Cebuana Lhuillier, M Lhuillier
• Cryptocurrency: USDT TRC20 via Coins.ph

All deposits are processed in Philippine Pesos (PHP) unless otherwise specified. Cryptocurrency deposits are converted to PHP at the prevailing market rate at the time of transaction.

4.2 Minimum and Maximum Deposits

The minimum deposit amount is ₱100. Maximum deposit limits vary by payment method and account status. Players may set personal deposit limits through the Responsible Gaming section of their account settings.

4.3 Deposit Processing Times

Deposits made via GCash, Maya, online banking, and cryptocurrency are typically credited to your account within 1-3 minutes. Over-the-counter deposits may take up to 15 minutes to process during business hours. If your deposit is not credited within the expected timeframe, contact customer support with your transaction reference number.

4.4 Source of Funds

You warrant that all funds deposited to your codwin Casino account originate from a legal and legitimate source. Deposits derived from illegal activities, money laundering, or fraudulent transactions are strictly prohibited. We reserve the right to investigate the source of your funds and may request supporting documentation at any time.

5. Withdrawals and Payouts

5.1 Withdrawal Methods

Withdrawals can be requested using the same payment method used for deposit, subject to AML compliance and verification requirements. Supported withdrawal methods include GCash, Maya, online banking to Philippine banks, and cryptocurrency.

5.2 Withdrawal Processing Times

Withdrawal requests are processed within 1-3 hours during business hours (9:00 AM to 6:00 PM PHT, Monday through Friday). Requests submitted outside business hours or on weekends and holidays will be processed on the next business day. First-time withdrawals may take up to 24 hours to accommodate additional verification procedures.

5.3 Minimum and Maximum Withdrawals

The minimum withdrawal amount is ₱500. Maximum withdrawal limits are as follows:

• GCash / Maya: ₱50,000 per transaction, ₱200,000 per day
• Bank transfer: ₱100,000 per transaction, ₱500,000 per day
• Cryptocurrency: ₱1,000,000 per transaction, no daily limit

Higher withdrawal limits are available to VIP members based on their loyalty tier.

5.4 Wagering Requirements

To prevent money laundering and bonus abuse, all deposits must be wagered at least one (1) time before withdrawal is permitted. Deposits used to claim bonuses are subject to the specific wagering requirements outlined in the bonus terms and conditions. Failure to meet wagering requirements will result in withdrawal delays or forfeiture of bonus funds.

5.5 Withdrawal Fees

codwin Casino does not charge withdrawal fees for the first withdrawal of each month. Subsequent withdrawals within the same calendar month may incur a processing fee of 2.5% or ₱25, whichever is greater. VIP members enjoy reduced or waived withdrawal fees based on their tier.

6. Bonuses and Promotions

6.1 Bonus Eligibility

codwin Casino offers various bonuses, promotions, and rewards, including welcome bonuses, reload bonuses, cashback offers, and VIP rewards. Unless otherwise stated, bonuses are available only to Players who have completed identity verification and have not previously violated these Terms.

6.2 Bonus Terms and Conditions

Each bonus is subject to specific terms and conditions, including but not limited to wagering requirements, eligible games, maximum bet limits, expiration dates, and withdrawal restrictions. These terms are displayed on the promotion page and must be accepted before claiming the bonus. It is your responsibility to read and understand these terms before participating.

6.3 Wagering Requirements

Bonus funds are subject to wagering requirements before they can be converted to withdrawable cash. The standard wagering requirement is 35x the bonus amount unless otherwise specified. For example, a ₱1,000 bonus requires ₱35,000 in total wagers before withdrawal is permitted.

6.4 Bonus Abuse

codwin Casino reserves the right to withhold or cancel bonuses, void winnings, and close accounts in cases of bonus abuse, including but not limited to:

• Creating multiple accounts to claim the same bonus repeatedly
• Using betting strategies designed to fulfill wagering requirements with minimal risk
• Colluding with other players to manipulate bonus outcomes
• Exploiting technical errors or loopholes in the bonus system

7. Gameplay Rules and Fair Gaming

7.1 Random Number Generator (RNG)

All casino games at codwin Casino use certified Random Number Generator (RNG) technology independently tested and certified by Gaming Laboratories International (GLI), certificate number GLI-PH-00584. The RNG ensures that all game outcomes are random, unpredictable, and free from manipulation by the operator or players.

7.2 Return to Player (RTP)

Each slot game displays its Return to Player (RTP) percentage in the game information panel. RTP represents the theoretical percentage of wagered money returned to players over time. Actual results may vary in the short term due to variance and randomness.

7.3 Game Malfunctions

In the event of a game malfunction, system error, or communication disruption, all affected bets and payouts are void. codwin Casino will refund affected bets to the Player's account balance. We are not liable for any consequential losses arising from technical malfunctions.

7.4 Sports Betting Rules

Sports betting is subject to the specific rules and regulations of each sporting event and league. Settlement of bets is based on official results announced by the governing sports authority. In cases of postponed, canceled, or abandoned events, bets will be voided and stakes refunded unless the event is rescheduled within 48 hours.

8. Prohibited Activities

The following activities are strictly prohibited and may result in immediate account suspension, forfeiture of funds, and legal action:

8.1 Fraudulent Activity

• Using stolen credit cards, bank accounts, or payment methods
• Chargeback fraud or disputing legitimate transactions
• Providing false identity documents or information
• Impersonating another person

8.2 Collusion and Cheating

• Colluding with other players to manipulate game outcomes
• Using bots, scripts, or automated software to place bets
• Exploiting software bugs or errors for unfair advantage
• Engaging in insider betting or using non-public information

8.3 Money Laundering

• Using codwin Casino to launder proceeds from illegal activities
• Depositing and immediately withdrawing funds without wagering
• Structuring deposits to avoid reporting thresholds

8.4 Abusive Behavior

• Harassing, threatening, or abusing other players or staff members
• Using offensive, discriminatory, or inappropriate language in chat
• Attempting to hack, disrupt, or damage the Website or its systems

9. Limitation of Liability

9.1 Disclaimer of Warranties

The codwin Casino Website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components.

9.2 Limitation of Damages

To the maximum extent permitted by Philippine law, codwin Casino shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, loss of data, or loss of goodwill, arising out of or in connection with your use of the Website or services, even if we have been advised of the possibility of such damages.

9.3 Maximum Liability

In no event shall codwin Casino's total aggregate liability to you for all claims arising out of or related to these Terms exceed the amount deposited into your account during the six (6) months immediately preceding the claim.

10. Account Suspension and Termination

10.1 Suspension by Company

codwin Casino reserves the right to suspend or terminate your account at any time, with or without notice, for any reason including but not limited to:

• Violation of these Terms or any applicable laws
• Suspicious or fraudulent activity
• Failure to complete identity verification
• Request by regulatory authorities or law enforcement
• Prolonged account inactivity (exceeding 12 months)

10.2 Self-Exclusion and Voluntary Closure

You may voluntarily close your account or request self-exclusion at any time by contacting customer support. Self-exclusion periods can be set for 6 months, 12 months, or permanently. During the self-exclusion period, you will not be able to access your account, deposit funds, or place bets. Remaining funds in your account balance will be returned to you in accordance with our withdrawal procedures.

10.3 Effect of Termination

Upon termination, all rights granted to you under these Terms will immediately cease. You must cease all use of the Website. Provisions regarding warranties, limitations of liability, indemnification, and dispute resolution shall survive termination.

11. Privacy and Data Protection

codwin Casino is committed to protecting your personal information and privacy. Our collection, use, and disclosure of personal data are governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and processing of your personal data as described in the Privacy Policy.

We comply with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and maintain appropriate technical and organizational measures to protect your personal information against unauthorized access, loss, or disclosure.

12. Dispute Resolution

12.1 Complaints Procedure

If you have a complaint or dispute regarding any aspect of codwin Casino's services, please contact our customer support team via live chat, email, or Facebook Messenger. We will investigate your complaint and respond within five (5) business days. Most disputes can be resolved through our internal complaints procedure.

12.2 Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or your use of codwin Casino services shall be subject to the exclusive jurisdiction of the courts of Metro Manila, Philippines.

12.3 PAGCOR Dispute Resolution

If a dispute cannot be resolved through our internal complaints procedure, you may escalate the matter to the Philippine Amusement and Gaming Corporation (PAGCOR), the regulatory authority that issued our operating license. PAGCOR's contact information can be found on their official website.

13. Changes to Terms

codwin Casino reserves the right to modify, update, or replace these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to the Website. The "Last Updated" date at the top of this document indicates when the Terms were last revised. Your continued use of the Website following any changes constitutes acceptance of the revised Terms.

We recommend that you periodically review these Terms to stay informed of any updates. Significant changes may be communicated to registered Players via email or on-site notification.

14. Contact Information

If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us through the following channels:

• Email: [email protected]
• Live Chat: Available 24/7 on the Website
• Facebook Messenger: Search for "codwin Casino"
• Telegram: @codwinSupport

Our customer support team is available 24 hours a day, 7 days a week to assist you in English or Tagalog.