smjl Casino Terms & Conditions

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "you") and smjl Casino ("smjl," "we," "us," or "our"), the operator of the online gaming platform accessible at smjl.app. By creating an account, logging in, making a deposit, or using any feature of the smjl platform, you unconditionally accept these Terms in their entirety.

If you do not agree with any part of these Terms, you must immediately stop using the smjl platform and close your account. Continued use of smjl Casino after any update to these Terms constitutes your acceptance of the revised version.

smjl Casino reserves the right to modify, update, or replace these Terms at any time. Material changes will be communicated to registered players via email or an in-platform notification. It is your responsibility to review these Terms periodically. The most current version will always be available at smjl.app/terms-conditions.

Access to smjl Casino is strictly limited to individuals who meet all of the following eligibility criteria at the time of registration and throughout the duration of their account:

• You must be at least 21 years of age, in accordance with Philippine gaming regulations and PAGCOR requirements applicable to online casino-style gambling.
• You must be physically located within a jurisdiction where online gambling is lawful at the time of play.
• You must not be a current employee, contractor, director, or immediate family member of smjl Casino or any of its affiliated entities.
• You must not be subject to any self-exclusion order, whether imposed by smjl Casino or any other gaming operator or regulatory body.
• You must have the legal capacity to enter into a binding agreement under Philippine law.

By registering an account with smjl Casino, you represent and warrant that you meet all eligibility requirements listed above. Providing false information to circumvent these requirements is a serious violation of these Terms and may result in permanent account closure and referral to relevant authorities.

To access smjl Casino's full range of games and services, you must register a personal account. Each player is permitted to hold only one (1) active account on the smjl platform. The creation of multiple accounts by a single individual — whether using different email addresses, phone numbers, payment methods, or device identifiers — is strictly prohibited and constitutes grounds for immediate account suspension.

During registration, you are required to provide accurate, complete, and current information including your full legal name, date of birth, residential address, email address, and a valid Philippine mobile number. You agree to promptly update your account information if any details change.

• Account Security: You are solely responsible for maintaining the confidentiality of your smjl login credentials. Do not share your username or password with any third party.
• Unauthorised Access: You must notify smjl Casino support immediately if you suspect that your account has been accessed without your authorisation.
• Account Ownership: smjl Casino accounts are non-transferable. You may not sell, transfer, or assign your account or any account credits to another person.
• KYC Verification: smjl Casino may require Know Your Customer (KYC) verification at any time, including before processing withdrawals. Failure to complete KYC verification within a reasonable timeframe may result in account restrictions.

smjl Casino supports a range of Philippine payment methods for deposits and withdrawals, including GCash, PayMaya, BPI, BDO, and Metrobank. All financial transactions on the smjl platform are conducted in Philippine Peso (PHP / ₱) unless otherwise specified.

Deposits:

• Deposits via GCash and PayMaya are typically credited to your smjl account instantly.
• Bank transfers via BPI, BDO, or Metrobank may take up to one (1) banking business day to reflect in your account balance.
• smjl Casino does not charge fees on deposits; however, your payment provider may apply their own transaction charges.
• Minimum and maximum deposit amounts are displayed at the time of transaction and may vary by payment method.

Withdrawals:

• Withdrawal requests are processed within 15 to 30 minutes for GCash and PayMaya under normal operating conditions.
• Bank withdrawals to BPI, BDO, or Metrobank are typically processed within one (1) to two (2) banking business days.
• smjl Casino reserves the right to conduct additional verification checks before processing any withdrawal request.
• Withdrawals will only be processed to a payment method registered in the same name as the smjl Casino account holder.
• smjl Casino reserves the right to withhold withdrawal processing pending completion of KYC verification or investigation of suspected fraudulent activity.

smjl Casino offers various bonuses and promotional offers to eligible players from time to time. All bonuses are subject to specific terms and conditions that will be clearly communicated at the time the offer is presented. The following general rules apply to all smjl Casino bonuses unless otherwise stated in the specific promotion's terms:

• Wagering Requirements: Bonus funds are subject to wagering requirements before they can be converted to withdrawable cash. The applicable wagering multiplier will be stated clearly in each promotion's terms.
• Eligibility: Bonuses are available to eligible registered players only. smjl Casino reserves the right to determine eligibility at its sole discretion.
• One Bonus at a Time: Unless explicitly stated otherwise, only one bonus may be active on your account at any given time.
• Expiry: All bonuses have an expiry period. Bonus funds and associated winnings that are not used within the stated validity period will be forfeited automatically.
• Abuse: smjl Casino reserves the right to void bonuses and any associated winnings if it determines that a player has engaged in bonus abuse, including but not limited to the use of multiple accounts, collusion, or exploitation of software errors.
• Withdrawal of Bonus Funds: Bonus funds cannot be withdrawn directly. Only winnings generated from bonus play that meet the applicable wagering requirements are eligible for withdrawal.

All games available on the smjl Casino platform — including live dealer games, slot titles, bingo rooms, Teen Patti 20-20, and Pearls of Bingo — operate using certified Random Number Generation (RNG) technology or live dealer mechanics, as applicable. smjl Casino is committed to providing a fair and transparent gaming environment for all players.

• RNG Certification: smjl Casino's RNG-based games are tested and certified by independent third-party testing laboratories to ensure randomness and fairness.
• Return to Player (RTP): The theoretical RTP for each game is available in the game's information panel within the smjl lobby. RTPs represent long-term statistical averages and do not guarantee individual session outcomes.
• Game Malfunctions: In the event of a technical malfunction or software error that affects the outcome of a game, smjl Casino reserves the right to void the affected round and return the wagered amount to the player's account. Winnings generated as a result of a malfunction are not valid and will not be paid out.
• Disconnection Policy: If a player is disconnected during an active game round, smjl Casino's system will complete the round according to the game's pre-set rules. Players are advised to maintain a stable internet connection during play.
• Minimum and Maximum Bets: Each game has defined minimum and maximum bet limits, which are displayed within the game interface. These limits may vary by game type and table.

smjl Casino does not manipulate game outcomes in any way. The house edge is a mathematical feature built into the game design by the game provider — it is not applied through any external adjustment by smjl Casino's operators.

The following actions are strictly prohibited on the smjl Casino platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of funds, and referral to relevant law enforcement or regulatory authorities:

• Registering more than one account on the smjl platform, whether under your own name or using another person's identity.
• Providing false, misleading, or fraudulent information during registration or at any point during the account verification process.
• Using the smjl platform for any money laundering activity or in connection with any proceeds of crime, in violation of the Anti-Money Laundering Act of 2001 (Republic Act 9160) and its amendments.
• Attempting to exploit software bugs, glitches, or vulnerabilities in the smjl platform for financial gain.
• Using automated software, bots, scripts, or any artificial intelligence tools to interact with smjl Casino games or systems without express written authorisation.
• Colluding with other players or third parties to gain an unfair advantage in any game.
• Engaging in chargebacks or reversing payment transactions after funds have been used for gambling on the smjl platform.
• Accessing the smjl platform from a jurisdiction where online gambling is prohibited by law.
• Allowing or facilitating access to your smjl account by any person under 21 years of age.
• Harassing, threatening, or abusing smjl Casino staff, support agents, or other players through any communication channel.

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

• Breach of any provision of these Terms & Conditions.
• Failure to complete identity verification (KYC) within a reasonable timeframe.
• Suspected fraudulent activity, money laundering, or other illegal conduct.
• Engagement in any prohibited conduct as defined in Section 7.
• Receipt of a self-exclusion request from the account holder.
• A court order, regulatory directive, or instruction from a competent authority.

In cases where an account is closed due to a breach of these Terms, smjl Casino reserves the right to withhold any remaining balance pending investigation. If the investigation confirms a breach, smjl Casino may forfeit the balance in accordance with applicable regulations.

Players who wish to voluntarily close their smjl Casino account may do so at any time by contacting the support team via live chat. Any remaining real-money balance (excluding bonus funds) will be returned to the player's registered payment method after all pending verification requirements have been satisfied.

smjl Casino is committed to promoting responsible gambling practices among all Filipino players. We believe that online casino gaming should be a form of entertainment — not a financial strategy, not a way to recover losses, and never something that puts your personal wellbeing or relationships at risk.

smjl Casino provides the following responsible gaming tools, accessible directly from your account settings:

• Deposit Limits: Set daily, weekly, or monthly deposit limits to control your spending. Limit reductions take effect immediately; increases are subject to a mandatory cooling-off period.
• Session Time Reminders: Configure reminders that notify you when you have been playing for a specified duration.
• Cooling-Off Period: Request a temporary break from gambling of between 24 hours and 6 weeks.
• Self-Exclusion: Request a temporary or permanent self-exclusion from the smjl platform at any time by contacting our support team via live chat. Self-exclusion requests are processed immediately with no waiting period.
• Reality Checks: Enable periodic pop-up notifications during gameplay that display your session duration and net win/loss position.

smjl Casino strictly enforces the 21+ age requirement in compliance with PAGCOR regulations. We do not knowingly permit minors to access our platform. If you are aware of a minor accessing smjl Casino, please contact our support team immediately.

All content on the smjl Casino platform — including but not limited to the smjl brand name, logo, website design, game interfaces, graphics, text, software, and promotional materials — is the exclusive intellectual property of smjl Casino or its licensed content providers. All rights are reserved.

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

• Copy, reproduce, distribute, or publicly display any smjl content without prior written consent.
• Modify, adapt, translate, or create derivative works based on smjl content.
• Reverse engineer, decompile, or disassemble any smjl software or technology.
• Use smjl's brand name, logo, or trademarks in any manner that implies endorsement or affiliation without express written authorisation.

Any unauthorised use of smjl Casino's intellectual property may result in legal action. If you believe that any content on the smjl platform infringes your intellectual property rights, please contact us at the email address provided in Section 15.

To the fullest extent permitted by applicable Philippine law, smjl Casino shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or in connection with your use of the smjl platform, including but not limited to:

• Loss of funds resulting from gambling activity on the smjl platform.
• Interruption, suspension, or termination of the smjl service for any reason.
• Technical errors, software malfunctions, or connectivity issues beyond smjl Casino's reasonable control.
• Unauthorised access to your account resulting from your failure to maintain the security of your login credentials.
• Decisions made by smjl Casino in good faith based on information provided by you that is later found to be false or inaccurate.

smjl Casino makes no warranty, express or implied, that the platform will be available at all times, free from errors, or that any particular game outcome will meet your expectations. The smjl platform is provided on an "as is" and "as available" basis.

smjl Casino is committed to protecting the personal data of all registered players in accordance with the Philippine Data Privacy Act of 2012 (Republic Act 10173) and its implementing rules and regulations. The collection, use, storage, and disclosure of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms and is available at smjl.app/privacy-policy.

By registering an account with smjl Casino, you consent to the collection and processing of your personal data as described in our Privacy Policy. Key points include:

• smjl Casino collects personal data necessary for account registration, identity verification, transaction processing, and regulatory compliance.
• Your personal data is stored securely using industry-standard encryption and is never sold to third-party marketing companies.
• smjl Casino may share your data with regulatory authorities, law enforcement agencies, and payment processors where required by law or necessary to provide our services.
• You have the right to access, correct, and request deletion of your personal data, subject to applicable legal and regulatory retention requirements.

For full details on how smjl Casino handles your personal information, please review our Privacy Policy.

smjl Casino reserves the right to amend, update, or replace these Terms & Conditions at any time. Changes may be made for a variety of reasons including but not limited to regulatory updates, changes in smjl Casino's services, or improvements to clarity and accuracy.

When material changes are made to these Terms, smjl Casino will notify registered players via:

• An email notification sent to the address registered on your smjl account.
• A prominent notice displayed on the smjl Casino platform upon your next login.

The updated Terms will take effect from the date specified in the notification. Your continued use of the smjl platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with the amended Terms, you must stop using the smjl platform and contact support to close your account.

These Terms & Conditions 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. smjl Casino operates in compliance with applicable Philippine gaming regulations, including those administered by the Philippine Amusement and Gaming Corporation (PAGCOR).

Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

smjl Casino encourages players to resolve any disputes through our customer support team in the first instance. Our support team is available 24/7 via live chat and will make every reasonable effort to resolve your concern promptly and fairly. If a dispute cannot be resolved through direct communication, it may be escalated to the relevant regulatory authority.

If you have any questions, concerns, or complaints regarding these Terms & Conditions or any aspect of the smjl Casino platform, please contact our support team through the following channels:

• Live Chat: Available 24/7 directly from the smjl Casino platform. This is the fastest way to reach our support team for urgent matters.
• Email: [email protected] — for non-urgent enquiries, account issues, and formal complaints. We aim to respond to all email enquiries within 24 hours.

When contacting smjl Casino support, please have your registered account details ready to help us verify your identity and resolve your query as efficiently as possible. smjl Casino support agents will never ask for your account password — if anyone claiming to be smjl support requests your password, please report it immediately.