Snugwin Terms and Conditions —
Know the Rules, Play with Confidence

These Terms and Conditions ("Terms") apply to all use of the Snugwin website located at snugwin.net and any associated mobile applications or platforms operated by Snugwin ("the Platform"). These Terms apply to all visitors, registered users, and players.

By accessing or using any part of the Snugwin platform — including browsing the website, registering an account, making a deposit, placing a bet, or claiming a bonus — you acknowledge and agree to be bound by these Terms. This agreement takes effect immediately upon your first access of the Platform.

Snugwin reserves the right to update or modify these Terms at any time. Continued use of the Platform after any modification constitutes acceptance of the updated Terms. It is your responsibility to review these Terms periodically. The "Last Updated" date at the top of this page indicates when the most recent revision was made.

To register and use the Snugwin platform, you must meet all of the following eligibility requirements:

• You must be at least 21 years of age at the time of registration. This is the legal minimum age for online gaming in the Philippines under PAGCOR regulations.
• You must be a Philippine resident or citizen, or otherwise legally permitted to access online gaming services offered from the Philippines.
• You must be physically located within the Philippines at the time of each gaming session.
• You must not be an employee, contractor, affiliate, agent, or immediate family member of a Snugwin employee or affiliate company.
• You must not have a prior account that was suspended or permanently banned by Snugwin for any reason.
• You must not be listed on any self-exclusion register maintained by PAGCOR or any other regulatory authority.

Snugwin reserves the right to request age verification and identity documentation from any user at any time. Accounts found to be operated by individuals who do not meet the eligibility criteria will be suspended and any funds remaining after assessment of activity may be returned to the payment source.

Each person may hold only one Snugwin account. Creating multiple accounts — whether under the same name, different names, or shared devices — is strictly prohibited and will result in permanent suspension of all associated accounts.

When registering, you must provide accurate, complete, and current information. This includes your full legal name, date of birth, Philippine mobile number, and a valid email address. Providing false information at registration is a breach of these Terms and may constitute fraud under Philippine law.

You are fully responsible for maintaining the confidentiality of your username and password. You must not share your Snugwin login credentials with any other person. Snugwin will never ask you for your password via chat, email, or any other channel.

• If you suspect unauthorised access to your account, contact Snugwin support immediately via live chat.
• Snugwin will not be liable for any losses arising from unauthorised access to your account where you have failed to keep your credentials secure.
• Account ownership is non-transferable. You may not sell, transfer, or otherwise assign your Snugwin account to any third party.

Know Your Customer (KYC): Before processing your first withdrawal, or any withdrawal exceeding a threshold set by Snugwin's compliance team, you will be required to submit valid identity verification documents. Acceptable documents include a PhilSys National ID, passport, driver's licence, SSS, GSIS, PRC, or voter's ID. Failure to complete KYC verification within a reasonable period after request may result in account restrictions.

All Snugwin transactions are conducted in Philippine Peso (₱ PHP). No foreign currency is accepted on the Platform at any time.

Deposits: Snugwin accepts deposits via GCash, Maya, GrabPay, Coins.ph, BDO Online Banking, BPI Online Banking, UnionBank, InstaPay, PESONet, and Visa/Mastercard bank cards. The minimum deposit amount is ₱50 for e-wallet methods and ₱100–₱200 for bank transfers, depending on the channel. All deposits must originate from a payment account registered in your own name — third-party deposits are not permitted.

Withdrawals: The minimum withdrawal amount is ₱100 for GCash and Maya, and ₱200 for bank transfers. Withdrawal requests are processed by Snugwin's cashier team. Typical processing times are under 3 minutes for GCash and Maya, and up to 30 minutes for bank transfers, subject to your bank or e-wallet provider's own processing schedules.

• Snugwin charges zero fees on all deposits and withdrawals from the platform's side. Fees charged by your bank or payment provider are your responsibility.
• Withdrawals will only be processed to a payment method that belongs to the registered account holder.
• Snugwin reserves the right to apply additional verification steps for withdrawals where unusual activity is detected.
• Deposits that are subject to active bonus wagering requirements cannot be withdrawn until the wagering requirement has been satisfied.

Snugwin offers bonuses, free bets, cashback promotions, refer-a-friend rewards, and other promotional incentives from time to time. Each promotion is subject to its own specific terms, which will be communicated clearly at the point of offer. The following general terms apply to all Snugwin promotions:

• One bonus per player: Each promotion is available once per registered player, per household, per device, and per payment method. Multiple accounts created to claim bonuses multiple times will result in forfeiture and suspension.
• Wagering requirements: Bonus funds must be wagered a specified number of times before any derived winnings can be withdrawn. The wagering requirement multiplier and eligible games will be stated in each promotion's individual terms page.
• Expiry: Bonuses that are not claimed or wagered within the stated validity period will expire and be removed from your account automatically.
• No cash-out of bonus funds: Bonus balances themselves cannot be withdrawn — only winnings generated after satisfying the applicable wagering requirement can be withdrawn.
• Bonus abuse: Any attempt to exploit promotional offers through systematic low-risk betting, account collusion, or any other method Snugwin determines to be bonus abuse will result in immediate forfeiture of the bonus and any associated winnings, and may result in permanent account suspension.

Snugwin reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice, where required by regulatory obligation or where abuse is detected.

All bets placed on Snugwin are final once confirmed. You may not cancel or amend a bet after it has been accepted by the system, except where Snugwin expressly provides a Cash Out function and that function is available on your particular selection at the time of the request.

Sports Betting: Snugwin settles sports bets based on the official result declared by the relevant governing body (e.g., PBA, WBC, WBO, IBF, WBA for boxing; PRSA for Sabong). Where an event is abandoned, postponed, or cancelled, bets will be settled in accordance with the relevant sport's specific rules, which are published on the applicable game section pages.

Casino Games: All casino game outcomes are determined by certified Random Number Generation (RNG) software. Snugwin's RNG is independently audited and certified. The theoretical Return to Player (RTP) percentage for each game is published within the game's information section.

Sabong: Bet settlement follows the official result as declared by the designated referee at the end of each match. In cases of a draw (empate), bets are settled according to the specific Sabong ruleset applicable at the time of the event.

• Bets placed on incorrect odds due to a manifest system error may be voided at Snugwin's discretion.
• If a game or event is suspended mid-play for technical reasons attributable to Snugwin's platform, bets will be voided and stakes returned.
• Maximum payout limits per event and per market are in place and displayed in the betslip before confirmation.

The following behaviours are expressly prohibited on the Snugwin platform. Engaging in any of these activities will result in immediate account suspension, forfeiture of funds in the account, and may result in reporting to the appropriate Philippine authorities:

• Using automated software, bots, scripts, or any artificial intelligence tools to place bets, claim bonuses, or interact with the Platform in a non-human manner.
• Colluding with other players to obtain an unfair advantage in any game, especially Pusoy, card games, or head-to-head betting formats.
• Attempting to manipulate game outcomes through any technical exploit, software vulnerability, or by any other means.
• Creating multiple accounts or using another person's account to circumvent any account restriction, suspension, or self-exclusion.
• Using Snugwin for any money laundering activity, including depositing funds from illegal sources or structuring transactions to avoid reporting obligations.
• Providing false identity documents or misrepresenting your age, location, or identity at any point.
• Sharing, selling, or otherwise transmitting your account credentials or personal Snugwin balance to any third party.

Snugwin reserves the right to suspend, restrict, or permanently close any account at any time, with or without prior notice, where:

• A breach of these Terms and Conditions has occurred or is reasonably suspected.
• The account holder has provided false or misleading information at registration or during KYC verification.
• Suspicious activity consistent with fraud, money laundering, or bonus abuse has been detected.
• A valid request has been received from PAGCOR, AMLC, or any other Philippine regulatory or law enforcement authority.
• The account holder has requested self-exclusion under Snugwin's Responsible Gaming policy.

In the event of account closure due to a breach of these Terms, any bonus funds and winnings derived from prohibited activity will be forfeited. Verified deposits of your own funds, after assessment of the account activity, may be returned to the original payment source subject to AML compliance checks.

If you wish to voluntarily close your Snugwin account, you may do so by contacting support via live chat. Before closure, you will be reminded of available responsible gaming tools including self-exclusion, which may be a more appropriate option than closure in certain circumstances.

Snugwin is committed to promoting responsible gaming practices. We believe that online gaming should be an enjoyable entertainment activity, not a source of financial stress or personal harm. The following responsible gaming tools are available to all Snugwin account holders at no charge:

• Deposit Limits: Set daily, weekly, or monthly deposit caps directly from your account settings. Once set, these limits take effect immediately. Requests to increase a limit are subject to a 24-hour cooling-off period.
• Session Time Reminders: Set reminders to alert you after a specified duration of gaming activity within a single session.
• Cooling-Off Period: Temporarily suspend your account for a period of 24 hours, 7 days, 30 days, or 90 days. During this period you cannot log in or place bets.
• Self-Exclusion: Permanently exclude yourself from Snugwin. Self-exclusion is irreversible for the minimum exclusion period and will be registered with PAGCOR's self-exclusion database where applicable.

If you are concerned about your own gaming behaviour, or about someone else's, please visit our dedicated Responsible Gaming page for additional resources and support contacts available in the Philippines.

Snugwin collects and processes personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its Implementing Rules and Regulations. The full details of how we collect, use, store, and protect your personal information are set out in our Privacy Policy.

By registering on Snugwin, you consent to the collection and processing of your personal data as described in the Privacy Policy. Key points include:

• Your personal data is used to operate your account, process transactions, verify your identity, and comply with legal obligations.
• Snugwin does not sell your personal data to third parties for commercial purposes.
• Your data may be shared with PAGCOR, AMLC, and other Philippine regulatory bodies as required by law.
• You have the right to access, correct, and request deletion of your personal data subject to legal retention obligations.

All content on the Snugwin platform — including but not limited to logos, trademarks, game interfaces, odds displays, graphics, text, software, and promotional materials — is the intellectual property of Snugwin or its licensed content providers. All rights are reserved.

You may not reproduce, distribute, modify, transmit, perform, or otherwise use any Snugwin intellectual property without prior written authorisation. Unauthorised use of Snugwin's intellectual property may result in legal action under Philippine intellectual property law.

The Snugwin name and logo are registered trademarks. Any unauthorised use of these marks in connection with gaming, betting, or related activities is prohibited.

Snugwin provides the Platform on an "as is" basis. While we make every effort to ensure the Platform is available and functioning correctly at all times, we cannot guarantee uninterrupted or error-free service.

To the maximum extent permitted by Philippine law, Snugwin shall not be liable for:

• Any loss of winnings, profits, data, or goodwill arising from platform downtime, technical errors, or delays in bet placement or settlement.
• Any loss arising from your failure to keep your account credentials secure.
• Any indirect, consequential, or incidental damages arising from your use of the Snugwin platform.
• Losses arising from events beyond Snugwin's reasonable control, including telecommunications failures, internet outages, or force majeure events.

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

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute, claim, or controversy arising from or relating to these Terms or your use of the Snugwin platform shall be subject to the exclusive jurisdiction of the appropriate courts of the Philippines.

Dispute Resolution Process:

• Step 1 — Contact Snugwin Support: In the first instance, raise your dispute with the Snugwin support team via live chat. Most disputes are resolved at this level within 24 hours.
• Step 2 — Formal Complaint: If you are unsatisfied with the support team's response, submit a formal written complaint to support@snugwin.net. Snugwin will respond within 5 business days.
• Step 3 — PAGCOR Escalation: If the dispute remains unresolved after Step 2, you may escalate the matter to PAGCOR's Player Welfare and Protection Office, which has jurisdiction over licensed Philippine gaming operators including Snugwin.

Snugwin may amend these Terms at any time. When material changes are made, registered players will be notified via email or an in-platform notification before the updated Terms take effect. The "Last Updated" date at the top of this page will be revised to reflect the date of the most recent changes.

If you do not agree to the updated Terms, you must stop using the Platform and contact Snugwin to close your account. Continued use of the Platform after the notification period constitutes acceptance of the amended Terms.

Minor changes such as typographical corrections, clarifications, or formatting updates may be made without advance notice.

If you have any questions about these Terms and Conditions, or about any aspect of your Snugwin account, please reach out to our support team. Filipino-speaking agents are available 24 hours a day, 7 days a week, including public holidays.

• Live Chat: Available directly within your Snugwin account — the fastest way to reach us.
• Email: support@snugwin.net — for formal inquiries and complaints. Response within 5 business days.

For responsible gaming support and resources, visit our Responsible Gaming page. For information on how we handle your personal data, see our Privacy Policy.