cashwin Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," "you") and cashwin ("cashwin," "we," "us," "our"), the operator of the online gaming platform accessible at cashwin.bio. By accessing, browsing, registering on, or using any part of the cashwin platform, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

If you do not agree to any part of these Terms, you must immediately cease using the cashwin platform. Continued use of any cashwin service — including browsing game lobbies, accessing your cashwin account, or processing any transaction — constitutes your ongoing acceptance of these Terms as in effect at that time.

These Terms apply in addition to any specific terms governing individual games, promotions, loyalty programs, or payment methods offered through cashwin. In the event of a conflict between these Terms and any product-specific terms, the product-specific terms shall prevail only to the extent of the inconsistency.

To open and maintain a cashwin account, you must satisfy all of the following eligibility requirements at all times:

• You are at least 21 years of age, as required by the Philippine Amusement and Gaming Corporation (PAGCOR) for online gambling participation in the Philippines.
• You are a natural person and not a corporation, trust, partnership, or other legal entity.
• You are physically located in the Philippines or in a jurisdiction where online gambling is not prohibited by applicable law.
• You are not listed on any PAGCOR exclusion register, national self-exclusion list, or any cashwin internal exclusion list.
• You are not acting on behalf of another person, and you are using your own funds for all deposits and wagers.
• You have not previously had a cashwin account closed for terms violations, fraud, or any prohibited conduct.

cashwin reserves the right to request documentary proof of eligibility at any time. Failure to provide satisfactory proof within a reasonable period may result in account suspension or permanent closure.

Each eligible person may open one (1) cashwin account only. You must provide accurate, complete, and current information during registration, including your legal name, date of birth, residential address in the Philippines, and a valid mobile number. Providing false or misleading registration information is a material breach of these Terms.

One account per person. cashwin employs technical, identity, and device-level controls to detect and prevent duplicate accounts. Where multiple accounts are detected for the same individual, cashwin may close all associated accounts, forfeit all bonuses, and withhold any winnings derived from bonus funds pending investigation.

You are solely and fully responsible for:

• Maintaining the confidentiality of your cashwin login credentials (username and password).
• All activity that occurs under your cashwin account, whether authorized by you or not.
• Immediately notifying cashwin support via live chat if you suspect unauthorized access to your account.
• Ensuring your registered email address and mobile number remain current and accessible.

cashwin will never request your password through any channel. Any communication claiming to be from cashwin that requests your password should be treated as fraudulent and reported immediately.

In compliance with PAGCOR licensing requirements and Philippine anti-money laundering (AML) regulations, cashwin is required to verify the identity of all players before processing withdrawals and at certain deposit thresholds. This process is known as Know Your Customer, or KYC.

You may be required to submit one or more of the following documents as part of cashwin's KYC process:

• A valid Philippine government-issued photo ID (e.g., PhilSys ID, Passport, Driver's License, SSS ID, UMID, Voter's ID, PRC ID).
• Proof of residential address in the Philippines (e.g., utility bill, bank statement, barangay certificate, dated within 3 months).
• Proof of payment method ownership (e.g., screenshot of registered GCash or Maya account matching your registered name).
• Source of funds documentation where required by PAGCOR AML guidelines.

Failure to complete KYC verification within the timeframe requested by cashwin may result in account suspension and the inability to process withdrawals. cashwin handles all KYC documents in accordance with its Privacy Policy and the Philippine Data Privacy Act of 2012 (Republic Act 10173).

Deposits. cashwin accepts deposits in Philippine Peso (₱) via GCash, Maya, BPI, BDO, Metrobank, InstaPay, and QR Ph. The minimum deposit amount is ₱100. cashwin does not currently accept cryptocurrency, credit card, or foreign currency deposits. All deposited funds are credited to your cashwin account balance and are available for wagering immediately upon confirmation.

Withdrawals. Withdrawal requests are processed to the same payment method used for your most recent deposit, or to a verified account in your name where the original method does not support withdrawals. The minimum withdrawal amount is ₱200. Withdrawals are processed only to accounts where KYC verification has been completed successfully.

Processing times. GCash and Maya withdrawals are typically processed within 30 seconds to 5 minutes. Bank transfers via BPI, BDO, and Metrobank follow standard InstaPay processing timelines, typically within 15 minutes to 1 business day depending on the receiving bank. cashwin targets same-day processing for all withdrawal requests submitted before 11:00 PM Philippine Standard Time (PST).

Restrictions. The following deposit and withdrawal restrictions apply:

• Third-party deposits and withdrawals are strictly prohibited. Funds must originate from and be returned to accounts registered in your verified name.
• cashwin reserves the right to request additional verification for withdrawal requests exceeding certain thresholds as required by PAGCOR AML guidelines.
• Deposits made in error cannot be reversed once credited to your cashwin balance. Contact support immediately if you believe a deposit error has occurred.
• cashwin does not charge fees on standard deposits or withdrawals. However, your bank or e-wallet provider may apply their own transaction fees independently.

cashwin offers various bonuses, free spins, cashback promotions, and other incentive programs to eligible players. All promotions are subject to the following general terms, in addition to any promotion-specific terms published at the time the offer is made:

• Wagering requirements. Bonus funds must be wagered a specified number of times before any associated winnings can be withdrawn. The applicable wagering multiplier is stated in each promotion's specific terms.
• Game contributions. Not all games contribute equally to wagering requirements. Slot games typically contribute 100%, while live casino games, sports betting, and table games may contribute at a reduced rate or not at all. Game contribution rates are specified in each promotion's terms.
• Time limits. All bonuses have an expiry period, after which unused bonus funds and any associated winnings will be forfeited. The expiry period is stated in each promotion's specific terms.
• Maximum bonus withdrawal. Some promotions cap the maximum amount that can be withdrawn from bonus-derived winnings. This cap is stated in the specific promotion terms.
• One active bonus. Players may hold only one active bonus at a time, unless cashwin expressly states otherwise for a specific promotion.

Bonus abuse. cashwin monitors wagering activity for patterns consistent with bonus abuse, including low-risk hedging strategies, exploitation of technical errors, use of automated software, and collusion between players. cashwin reserves the right to cancel bonuses, void associated winnings, and close accounts where bonus abuse is detected.

Bonuses are a gesture of appreciation from cashwin and are not a right or entitlement. cashwin may modify, suspend, or discontinue any promotion at any time and for any reason, with reasonable notice where practicable.

All games offered through cashwin are governed by their respective game rules as provided by the game supplier. It is your responsibility to familiarize yourself with the rules of any game before placing wagers. cashwin accepts no liability for losses arising from a player's misunderstanding of game rules.

Random Number Generation. All cashwin electronic games that depend on random outcomes use certified Random Number Generator (RNG) technology. RNG certification is obtained from independent third-party testing laboratories. The integrity of cashwin's RNG is verified through periodic audits as required by PAGCOR.

Malfunctions. In the event of a game malfunction, technical error, or software failure that affects the outcome of a wager, cashwin reserves the right to void the affected bet and return the staked amount to the player's cashwin balance. Winnings generated as a result of a technical malfunction are not valid and may be reversed.

Disconnection. If you experience a network disconnection or device failure during an active game round, cashwin's servers record the last confirmed game state. Bets already committed at the time of disconnection will be settled according to the recorded game state. cashwin recommends maintaining a stable internet connection while playing, particularly during live dealer sessions.

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

• Opening or operating more than one cashwin account under any identity, name, or device.
• Providing false, misleading, or fraudulent information at any point during registration, KYC, or account management.
• Using the cashwin platform for money laundering, terrorist financing, or any activity that violates the Anti-Money Laundering Act (AMLA) of the Philippines.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with cashwin games, place wagers, or fulfill bonus wagering requirements.
• Exploiting technical errors, game bugs, or software vulnerabilities to gain an unfair advantage. Any winnings obtained through such exploitation will be voided.
• Colluding with other players, cashwin employees, or game supplier personnel to manipulate game outcomes.
• Engaging in chargebacks or payment disputes in bad faith after voluntarily depositing and wagering funds.
• Accessing or attempting to access cashwin from a jurisdiction where online gambling is illegal under local law.
• Allowing a third party — including family members — to use your cashwin account.
• Any conduct that cashwin reasonably determines to be harmful, abusive, threatening, or fraudulent toward cashwin staff, other players, or the platform itself.

cashwin is committed to providing a safe gaming environment and takes its responsible gaming obligations under PAGCOR regulation seriously. Gambling is intended to be a form of entertainment and should never be treated as a source of income or a means to recover financial losses.

cashwin provides the following responsible gaming tools to all players:

• Deposit limits. Players may set daily, weekly, or monthly deposit limits on their cashwin account. Once set, deposit limits take effect immediately and cannot be increased for a cooling-off period of 24 hours.
• Session time reminders. Players may configure session duration reminders that alert them after a defined period of continuous play.
• Self-exclusion. Players who wish to take a break from gambling may request a temporary or permanent self-exclusion from cashwin. Self-exclusion requests are processed within 24 hours and prohibit the player from accessing their cashwin account for the selected exclusion period.
• Account closure. Players may permanently close their cashwin account at any time by contacting support. Closure requests are processed within 48 hours.

If you believe your gambling is causing harm to yourself or others, please visit the cashwin Responsible Gaming page for more information, tools, and external support resources relevant to Filipino players.

All content on the cashwin platform — including but not limited to the cashwin brand name, logo, interface design, game graphics, promotional materials, written content, and software — is the intellectual property of cashwin or its respective licensors. All rights are reserved.

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

• Copy, reproduce, republish, upload, post, transmit, or distribute any cashwin content without prior written consent.
• Modify, adapt, translate, reverse-engineer, decompile, or disassemble any cashwin software or platform component.
• Create derivative works based on cashwin content or branding.
• Use cashwin's trademarks, logos, or branding in any manner not expressly authorized in writing by cashwin.

Any unauthorized use of cashwin intellectual property constitutes a breach of these Terms and may violate applicable Philippine intellectual property laws, including Republic Act 8293 (Intellectual Property Code of the Philippines).

To the maximum extent permitted by applicable Philippine law, cashwin's total aggregate liability to you in connection with your use of the platform — whether in contract, tort (including negligence), statute, or otherwise — shall not exceed the total amount of deposits made by you to your cashwin account in the 30-day period immediately preceding the event giving rise to the claim.

cashwin expressly excludes liability for:

• Any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the cashwin platform.
• Loss of winnings, loss of data, or loss of profit resulting from technical failures, server outages, or connectivity issues outside cashwin's reasonable control.
• Any delay, interruption, or unavailability of the cashwin platform caused by third-party infrastructure providers, including payment processors, internet service providers, or cloud hosting services.
• Actions of third parties, including but not limited to fraud perpetrated against your cashwin account as a result of your disclosure of login credentials.
• Any inaccuracy in game information, paytable displays, or promotional materials caused by typographical error, where the correct terms have been published elsewhere on the cashwin platform.

Nothing in these Terms excludes or limits cashwin's liability for fraud, death, or personal injury caused by cashwin's gross negligence, or any other liability that cannot be excluded or limited under applicable Philippine law.

cashwin processes your personal data in accordance with its Privacy Policy and in compliance with the Philippine Data Privacy Act of 2012 (Republic Act 10173) and the implementing rules and regulations issued by the National Privacy Commission (NPC).

By registering a cashwin account, you consent to cashwin collecting, processing, storing, and using your personal data for the purposes described in the cashwin Privacy Policy, including:

• Account registration, authentication, and management.
• KYC identity verification and AML compliance as required by PAGCOR.
• Processing deposits, withdrawals, and transaction records.
• Providing customer support and resolving disputes.
• Sending service notifications, promotional communications (where consented), and security alerts.
• Fraud detection, responsible gaming monitoring, and platform security.

cashwin does not sell your personal data to third parties for marketing purposes. For a full description of how cashwin handles your personal data, your rights as a data subject under Philippine law, and how to exercise those rights, please review the cashwin Privacy Policy.

cashwin reserves the right to amend, update, or replace these Terms at any time. Amendments may be made to reflect changes in applicable law or PAGCOR regulation, changes in cashwin's services or product offerings, corrections of typographical or legal errors, or for any other reason cashwin deems necessary.

Where cashwin makes a material change to these Terms, reasonable notice will be provided to registered players via the platform interface, a notification upon next login, or to the registered email address on file. It is your responsibility to keep your registered email address current to receive such notices.

Your continued use of the cashwin platform following the publication of any amendment constitutes your acceptance of the revised Terms. The "Last Updated" date at the top of this page reflects the date of the most recent revision. If you do not agree with an amendment, you must stop using cashwin and may request account closure by contacting support.

These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles.

Dispute resolution process. In the event of any dispute, claim, or controversy arising out of or in connection with your use of the cashwin platform or these Terms, the following process applies:

1. Informal resolution. You must first contact cashwin's support team via live chat or at [email protected] to attempt to resolve the matter informally. cashwin will endeavor to respond to all formal dispute notifications within 5 business days.
2. PAGCOR escalation. If cashwin's internal resolution process does not resolve your dispute to your satisfaction, you may escalate the matter to PAGCOR as the relevant regulatory authority for cashwin's operations in the Philippines.
3. Courts. If the matter remains unresolved after exhausting the above processes, the parties agree to submit to the exclusive jurisdiction of the appropriate courts of the Republic of the Philippines.

You agree that any claim or cause of action arising out of your use of cashwin must be filed within one (1) year after the claim or cause of action arose, or be forever barred, to the extent permitted by applicable Philippine law.

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

• Live Chat: Available 24/7 directly on the cashwin platform — the fastest way to reach the support team.
• Email: [email protected] (plain text — not a clickable link).

cashwin support is staffed 24 hours a day, 7 days a week, with peak staffing aligned to Philippine Standard Time (PST). For legal notices, please direct correspondence to the email address above with the subject line "Legal Notice — Terms and Conditions."