Terms & Conditions — vjl Casino

These Terms and Conditions ("Terms", "Agreement") constitute a legally binding contract between you ("Player", "User", "you") and vjl Casino ("vjl", "the Platform", "we", "us", "our"), which operates the online gaming platform accessible at vjl.bio and its associated subdomains and services.

By accessing the vjl platform, creating a player account, making a deposit, participating in any game, or using any service offered by vjl, you acknowledge that you have read these Terms in full, that you understand them, and that you unconditionally agree to be bound by them. If you do not agree to any part of these Terms, you must immediately cease using the vjl platform.

vjl Casino operates under a licence issued by the Philippine Amusement and Gaming Corporation (PAGCOR), the government body responsible for regulating online gaming in the Republic of the Philippines. These Terms are supplementary to and consistent with applicable Philippine law and PAGCOR's regulatory requirements for licensed online gaming operators.

To register for and use vjl Casino, you must satisfy all of the following eligibility criteria at the time of registration and at all subsequent times while maintaining an active account:

• Age: You must be at least twenty-one (21) years of age. This requirement is imposed by PAGCOR for all licensed online gaming operators in the Philippines and is strictly enforced. vjl Casino conducts mandatory age verification as part of the Know Your Customer (KYC) process.
• Jurisdiction: You must be physically located within the Republic of the Philippines at the time of gameplay. vjl Casino is licensed to provide gaming services to players in the Philippines only. Accessing the platform from outside the Philippines may constitute a violation of local laws in the jurisdiction from which you are accessing the service.
• Legal Capacity: You must have full legal capacity to enter into a binding agreement under Philippine law. Persons who have been adjudicated as legally incapacitated are prohibited from using the platform.
• Exclusion Status: You must not be subject to a self-exclusion order, a PAGCOR-mandated exclusion, or any other gambling prohibition at the time of registration or use.
• One Account Per Person: Each individual is permitted to hold only one (1) active vjl Casino account. Registering multiple accounts, whether under the same identity or different identities, is strictly prohibited.

To participate in real-money gaming at vjl Casino, you must complete the account registration process and satisfy vjl's Know Your Customer (KYC) verification requirements. This process is mandated by PAGCOR and by the Republic Act No. 9160 (Anti-Money Laundering Act of 2001, as amended) and its implementing rules.

3.1 Registration Information

During registration, you are required to provide accurate, complete, and current information including but not limited to: your full legal name as it appears on your government-issued identification, your date of birth, a valid Philippine mobile number, a valid email address, and your residential address within the Philippines.

3.2 KYC Documentation

Before withdrawals are enabled on any vjl account, you must submit valid documentary evidence to verify your identity. Acceptable Philippine government-issued identification documents include:

• Philippine Statistics Authority (PSA) – Philippine Identification System (PhilSys) ID
• Land Transportation Office (LTO) – Driver's Licence
• Department of Foreign Affairs (DFA) – Philippine Passport
• Social Security System (SSS) – UMID Card
• Other government-issued identification deemed acceptable by vjl at its discretion

3.3 Accuracy Obligation

You are responsible for keeping your registration information accurate and current. vjl may suspend or terminate accounts where information is found to be false, misleading, or outdated. Providing false information during registration may constitute fraud under Philippine law.

3.4 Enhanced Due Diligence

vjl reserves the right to conduct enhanced due diligence on any account at any time, including requesting additional documentation, verifying the source of funds, or temporarily restricting account activity during review. This is consistent with vjl's obligations under PAGCOR's anti-money-laundering compliance framework.

You are solely responsible for maintaining the confidentiality and security of your vjl account credentials, including your username, password, and any one-time passwords (OTPs) associated with your account. vjl will not be liable for any losses incurred as a result of unauthorised access to your account arising from your failure to maintain the security of your credentials.

• You must not share your vjl login credentials with any third party under any circumstances.
• You must not permit any third party to access your account or conduct gaming activity on your behalf.
• You must notify vjl's support team immediately if you suspect unauthorised access to your account.
• vjl staff will never ask for your password via any channel, including live chat, email, or telephone. Any request for your password from a person claiming to represent vjl should be treated as fraudulent and reported immediately.

vjl employs technical security measures including TLS encryption, OTP two-factor authentication, and automated session monitoring to protect player accounts. However, the security of your account also depends on your own practices, and vjl strongly recommends using a unique, strong password and enabling OTP authentication on your account.

All financial transactions at vjl Casino are conducted in Philippine Peso (PHP). vjl accepts deposits and processes withdrawals through approved Philippine payment methods including GCash, PayMaya, BPI, BDO, and Metrobank. Additional payment methods may be added or removed from time to time at vjl's discretion.

5.1 Deposit Terms

• The minimum deposit amount is ₱100 per transaction unless otherwise stated for specific promotions.
• Deposits are generally credited to your vjl account immediately upon successful processing by the payment provider. vjl is not responsible for delays caused by third-party payment processing systems.
• All deposited funds must originate from payment accounts registered in your own name. Third-party deposits are prohibited.

5.2 Withdrawal Terms

• The minimum withdrawal amount is ₱200 per transaction.
• Withdrawals are processed to the same payment method used for the corresponding deposit where technically possible.
• KYC verification must be completed before any withdrawal can be processed.
• vjl reserves the right to perform additional verification checks prior to processing withdrawals, particularly for amounts that trigger reporting thresholds under Philippine anti-money-laundering regulations.
• Withdrawal processing times vary by payment method. GCash and PayMaya withdrawals are typically processed within 5–30 minutes. Bank transfer withdrawals to BPI, BDO, and Metrobank may take 1–3 banking hours depending on the time of submission.

5.3 Anti-Money-Laundering

vjl is required under Philippine law to monitor transactions for indicators of money laundering and to file reports with the Anti-Money Laundering Council (AMLC) where required. Structured transactions, circular deposits and withdrawals, and deposits significantly exceeding typical gaming activity are subject to enhanced scrutiny. Accounts under AML review may have withdrawals temporarily restricted pending investigation.

vjl Casino offers bonuses and promotions to eligible players from time to time, including but not limited to welcome bonuses, reload bonuses, cashback promotions, and loyalty programme rewards. All bonuses are subject to the following general conditions in addition to any specific terms communicated at the time the bonus is offered.

• Bonuses are available to players who are 21 years of age or older and have completed KYC verification, unless otherwise specified.
• Each bonus offer is subject to specific wagering requirements that must be satisfied before bonus funds or winnings derived from bonus funds can be withdrawn. Wagering requirements are stated in the relevant promotion terms.
• Bonus funds and cash funds are tracked separately in your vjl account. Cash funds are available for withdrawal at any time subject to the minimum withdrawal amount. Bonus funds are subject to wagering requirements before conversion to withdrawable cash.
• vjl reserves the right to withdraw any bonus at any time if it determines that the bonus was claimed in breach of these Terms or in an abusive manner.
• Players who engage in low-risk bonus abuse strategies — including but not limited to specific betting patterns designed to reduce variance while meeting wagering requirements — may have their bonuses voided and their accounts reviewed.
• Bonus offers are non-transferable and have no cash value until wagering requirements are satisfied.

All games available on the vjl Casino platform use certified Random Number Generators (RNGs) that are independently tested and audited to ensure genuinely random, unpredictable, and statistically fair outcomes. No game outcome at vjl can be influenced by the platform, by vjl staff, or by any player using legitimate play.

7.1 Game Rules

Each game on the vjl platform is governed by its own specific rules, which are accessible within the game interface. Players are responsible for familiarising themselves with the rules, paytables, and return-to-player (RTP) values of any game before placing real-money wagers.

7.2 Malfunction Policy

In the event of a game malfunction, system error, or communication failure that affects the outcome of a game round, vjl reserves the right to void affected rounds and refund the wagers placed in those rounds to the player's account balance. Winnings generated as a result of a demonstrable malfunction are not payable. vjl's decision in all malfunction cases is final.

7.3 Bet Limits

Each game is subject to minimum and maximum bet limits as displayed in the game interface. vjl reserves the right to apply account-level bet limits at its discretion, particularly in response to suspected advantage play, bonus abuse, or risk management considerations.

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

• Registering more than one account, whether using the same or different personal information.
• Providing false, misleading, or fraudulent personal information during registration or KYC verification.
• Using another person's identity or payment account to register or transact on the vjl platform.
• Colluding with other players for the purpose of gaining an unfair advantage in any game.
• Using software, bots, scripts, or automated tools to interact with the vjl platform in a manner not available to ordinary players using a standard browser.
• Exploiting software bugs, game errors, or technical vulnerabilities for financial gain. Players who identify errors are required to report them to vjl support immediately.
• Engaging in money laundering, structuring, or any other financial activity that violates Republic Act No. 9160 and its implementing rules.
• Accessing vjl Casino from outside the Philippines using virtual private networks (VPNs) or other circumvention technologies.
• Engaging in systematic bonus abuse designed to extract value from promotions without genuine gaming participation.
• Permitting a person under the age of 21 to access or use your vjl account.

vjl Casino is committed to promoting responsible gaming and minimising gambling-related harm. As a PAGCOR-regulated operator, vjl is required to maintain and make accessible a suite of responsible gaming tools within every player account.

9.1 Available Tools

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits. Once set, limits take effect immediately and cannot be increased for a cooling-off period of 24 hours.
• Loss Limits: Players may set maximum loss amounts over a defined period. Reaching your loss limit will temporarily restrict further wagers until the period resets.
• Session Time Reminders: vjl allows players to set session duration alerts. You will receive a notification when your self-set time limit is reached.
• Cooling-Off Period: Players may temporarily suspend access to their vjl account for a period of their choosing. During a cooling-off period, access to gameplay and deposits is restricted.
• Self-Exclusion: Players who wish to permanently exclude themselves from the vjl platform may do so through their account settings or by contacting the support team. Self-exclusion is irreversible for the duration specified.

9.2 Age Restriction

Access to vjl Casino is restricted to persons aged 21 years or older. This age restriction is a condition of vjl's PAGCOR operating licence and is not subject to waiver under any circumstances. vjl will verify the age of all registered players and will immediately close any account found to belong to a person under the age of 21.

All content on the vjl Casino platform — including but not limited to software, source code, design, graphics, text, images, video, audio, trademarks, service marks, and logos — is the property of vjl Casino or its content providers and is protected by applicable intellectual property laws, including the Intellectual Property Code of the Philippines (Republic Act No. 8293).

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the vjl platform for personal, non-commercial entertainment purposes in accordance with these Terms. You may not copy, reproduce, modify, distribute, publicly display, or create derivative works from any content on the vjl platform without vjl's express prior written consent.

Game content provided by third-party software providers (including Pragmatic Play, PG Soft, Jili Games, CQ9, and others) remains the intellectual property of the respective providers and is subject to their own licensing terms as between vjl and those providers.

The vjl Casino platform is provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable Philippine law, vjl makes no warranties, representations, or guarantees, express or implied, regarding the platform, including any implied warranties of merchantability, fitness for a particular purpose, or uninterrupted or error-free operation.

vjl does not guarantee that:

• The platform will be available at all times or free from interruptions, errors, or security vulnerabilities;
• Any specific game will be available at any particular time;
• Game outcomes will meet any player's expectations;
• Information or content on the platform is completely accurate or current.

To the fullest extent permitted by law, vjl's total liability to any player arising from or in connection with the use of the platform shall not exceed the amount deposited by that player in the 90 days immediately preceding the event giving rise to the liability claim. vjl shall not be liable for indirect, incidental, special, consequential, or punitive damages of any kind.

Nothing in these Terms shall limit vjl's liability for fraud, gross negligence, or any other matter that cannot be excluded or limited under applicable Philippine law.

vjl reserves the right to suspend, restrict, or permanently close any player account at its discretion, including in the following circumstances:

• Breach of any provision of these Terms & Conditions;
• Suspected fraud, money laundering, or other criminal activity;
• Failure to complete KYC verification within the required timeframe;
• Provision of false or fraudulent registration information;
• Suspected multi-accounting;
• Receipt of a self-exclusion or exclusion order from PAGCOR or a competent authority;
• Account inactivity exceeding 12 consecutive months, subject to the dormant account policy detailed in section 12.1.

12.1 Dormant Accounts

An account is considered dormant if no login activity has been recorded for a period of twelve (12) consecutive months. vjl will attempt to notify the player at their registered email address before applying dormant account procedures. Dormant accounts with a positive balance may be subject to a monthly administrative fee as disclosed in the platform's fee schedule. Players may reactivate dormant accounts by contacting the support team and completing any required revalidation.

12.2 Voluntary Closure

Players who wish to voluntarily close their vjl account may do so by contacting the support team. Upon account closure, any remaining cash balance (excluding bonus funds subject to incomplete wagering requirements) will be returned to the player via their registered payment method, subject to completed KYC verification.

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter, shall be governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to the Civil Code of the Philippines, the Consumer Act of the Philippines (Republic Act No. 7394), and all applicable PAGCOR regulations and circulars.

Any dispute between a player and vjl Casino that cannot be resolved through the support and complaints process outlined in Section 14 shall be subject to the exclusive jurisdiction of the appropriate courts of the Republic of the Philippines. Players who are Philippines residents further acknowledge that disputes related to vjl's PAGCOR licence may be escalated to PAGCOR's player dispute resolution mechanism as provided under PAGCOR's rules for licensed operators.

vjl Casino is committed to resolving player concerns promptly and fairly. If you have a question, complaint, or dispute, please follow the process below:

Step 1 — Contact Support

Contact the vjl support team via live chat (available 24/7 within your account dashboard) or by email. Live chat is the fastest channel and is the recommended first point of contact for all issues. The support team aims to resolve the majority of queries at first contact.

Step 2 — Formal Complaint

If your issue is not resolved to your satisfaction at the first support contact, you may submit a formal written complaint to the vjl compliance team by email to [email protected]. Formal complaints are acknowledged within 48 hours and investigated within ten (10) business days.

Step 3 — PAGCOR Escalation

If you remain unsatisfied after completing vjl's internal complaints process, you may escalate your complaint to PAGCOR as the licensing and regulatory authority. PAGCOR's player complaint process is available through the official PAGCOR website. vjl cooperates fully with all PAGCOR-initiated investigations and dispute reviews.