xoplay Terms & Conditions

1 Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player", "User", "you") and xoplay ("xoplay", "the Platform", "we", "us", "our") governing your access to and use of the xoplay website located at https://xoplay.ws and all associated services, game products, promotional offers, and customer support facilities (collectively, the "Service").

By accessing the xoplay platform, creating an account, making a deposit, or placing any wager, you unconditionally accept and agree to be bound by these Terms in their entirety, together with xoplay's Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference. If you do not agree with any provision of these Terms, you must immediately cease use of the Service.

2 Eligibility

To register and maintain an active xoplay account, you must satisfy all of the following eligibility requirements at the time of registration and on a continuing basis throughout your use of the Service:

• You are at least 21 years of age, the minimum legal age for online gambling under PAGCOR regulations in the Republic of the Philippines.
• You are a natural person with full legal capacity to enter into binding contracts under Philippine law.
• You are not located in a jurisdiction where online gambling is explicitly prohibited by applicable local, national, or international law.
• You are not registered on any self-exclusion list, including those maintained by PAGCOR or any gaming regulatory authority.
• You are not a current employee, contractor, director, officer, or close family member of xoplay or any of its affiliated entities, game providers, or payment processors.
• You are opening an account solely for your own personal use and not on behalf of any third party.

3 Account Registration & KYC Verification

Each eligible person may hold only one (1) registered account on xoplay. The creation of multiple accounts by the same individual ("multi-accounting") is strictly prohibited and constitutes grounds for immediate termination of all associated accounts and forfeiture of all balances held therein.

During registration, you are required to provide accurate, complete, and current personal information including your full legal name, date of birth, residential address, valid Philippine mobile number, and a government-issued identification document. Providing false or misleading information during registration is a material breach of these Terms.

Before any real-money deposit, withdrawal, or gameplay is permitted, xoplay requires completion of its Know Your Customer ("KYC") verification process. Acceptable KYC documents include:

• Philippine Statistics Authority (PSA) National ID
• Philippine Passport
• Driver's License issued by the Land Transportation Office (LTO)
• Social Security System (SSS) ID or GSIS eCard
• Unified Multi-Purpose ID (UMID)

xoplay reserves the right to request additional documentation at any time for enhanced due diligence purposes, including but not limited to proof of source of funds, proof of address (utility bill or bank statement not older than three months), and a selfie with the submitted ID document. Standard KYC verification is completed within 24 hours of document submission on business days in Philippine Standard Time.

4 Deposits & Withdrawals

All financial transactions on xoplay are conducted exclusively in Philippine Peso (PHP). xoplay does not accept deposits in any foreign currency. No currency conversion fees are applied by xoplay; however, your payment provider (e.g., your bank or e-wallet operator) may apply their own fees, for which xoplay accepts no responsibility.

Accepted deposit methods: GCash, PayMaya, BDO Online Banking, BPI Online Banking, and Metrobank Online Banking. Minimum single deposit: ₱100. Maximum single deposit limits vary by payment method and account verification tier and are displayed at the time of deposit.

Withdrawals: Withdrawal requests are processed to the same payment method used for the most recent deposit on your account where technically possible. Minimum withdrawal amount: ₱500. Withdrawals on fully KYC-verified accounts are processed within the following timelines:

• GCash: within 2–4 hours of approval
• PayMaya: within 2–6 hours of approval
• BDO / BPI / Metrobank bank transfer: within 1 business day of approval

xoplay reserves the right to conduct enhanced verification checks on withdrawal requests that exceed ₱50,000 in a single transaction or ₱200,000 within a 30-day rolling period, in compliance with anti-money laundering obligations under Philippine law. Withdrawal requests may be delayed or suspended pending completion of such checks.

5 Bonuses & Promotions

xoplay may offer bonuses, free bets, cashback offers, reload bonuses, and other promotional incentives to eligible players from time to time. All bonuses and promotions are subject to specific terms and wagering requirements that are published on the relevant promotion page at the time the offer is made available. These Terms set out the general framework applicable to all xoplay promotions.

• Bonuses are credited to your xoplay account in PHP and may only be used on xoplay games and betting markets.
• Wagering requirements must be met in full before any withdrawal of bonus-derived winnings is permitted.
• Bonuses are non-transferable and may not be exchanged for cash prior to satisfaction of the stated wagering requirements.
• Each promotion is available once per player, per household, per IP address, and per payment method unless otherwise stated.
• xoplay reserves the right to withdraw, modify, or cancel any promotion at any time without prior notice if circumstances warrant, including but not limited to technical errors, fraud, or regulatory changes.
• Abuse of promotional offers — including the use of multiple accounts, coordinated bonus harvesting, or low-risk hedging strategies designed to exploit wagering requirements — constitutes a breach of these Terms and may result in bonus cancellation and account suspension.

6 Betting Rules

All bets placed on xoplay — whether on sports markets, casino games, live dealer tables, slots, bingo, or jackpot products — are subject to the specific game rules published within the xoplay platform for each product. In the event of any conflict between those product-specific rules and these General Terms, the product-specific rules shall prevail.

Once a bet is confirmed by the xoplay system, it is final and binding. xoplay does not permit cancellation of bets after they have been accepted by the platform, except where expressly permitted under the product-specific rules (e.g., in-play markets where an event is suspended or abandoned).

xoplay reserves the right to void any bet that was accepted as a result of a manifest error — including but not limited to obviously incorrect odds, a game malfunction, or incorrect event data — at any time before settlement. A manifest error is defined as an error that would have been obvious to any reasonable player in the context of the market or game in question.

7 Prohibited Conduct

The following conduct is strictly prohibited on xoplay and constitutes a material breach of these Terms. xoplay reserves the right to immediately suspend or permanently close any account found to be engaged in prohibited conduct, to void all associated bets, and to forfeit all account balances without further notice:

• Providing false identity information or using another person's identity or payment credentials
• Operating or using automated betting software, bots, scripts, or artificial intelligence systems to place bets
• Colluding with other players, dealers, or xoplay staff members to gain an unfair advantage
• Exploiting software vulnerabilities, game bugs, or system errors to generate winnings beyond normal gameplay outcomes
• Using the xoplay platform to launder money or process the proceeds of any unlawful activity
• Attempting to reverse-engineer, copy, scrape, or systematically download content from the xoplay platform
• Harassing, threatening, or abusing xoplay customer support staff or other players
• Registering or accessing xoplay from a jurisdiction where online gambling is prohibited

8 Intellectual Property

All content on the xoplay platform — including but not limited to the xoplay name, logo, website design, graphics, game interfaces, text, software code, audio, and video content — is the exclusive intellectual property of xoplay or its licensed content providers and is protected by Philippine intellectual property law and applicable international conventions.

xoplay grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service solely for your personal, non-commercial recreational gaming purposes. This licence does not include any right to reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any xoplay content without prior written authorisation from xoplay.

9 Responsible Gaming

xoplay is committed to promoting responsible gaming among all Filipino players on the platform. Gaming on xoplay is intended solely as entertainment. It is not a means of generating income, resolving financial difficulties, or recovering gambling losses.

xoplay provides the following responsible gaming tools, accessible from the account settings of every registered xoplay player:

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts. Reductions take effect immediately; increases take effect after a 48-hour cooling-off period.
• Loss Limits: Cap your net losses over a defined period. Once reached, further real-money play is suspended until the period resets.
• Session Time Reminders: Receive on-screen prompts after a continuous play session of your chosen duration.
• Reality Checks: Periodic pop-up displays showing time elapsed and net session results.
• Self-Exclusion: Voluntarily lock your account for a period of 24 hours up to permanent closure. Self-exclusion cannot be reversed during the chosen period.

xoplay also cooperates with PAGCOR's responsible gaming framework. Players experiencing gambling-related harm are encouraged to seek assistance. xoplay's responsible gaming page contains further information on support resources available to Filipino players.

10 Limitation of Liability

To the fullest extent permitted by applicable Philippine law, xoplay's total aggregate liability to you in connection with the Service — whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the total amount of funds deposited by you into your xoplay account in the 90-day period immediately preceding the event giving rise to the claim.

xoplay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to: loss of profits or winnings beyond the amounts confirmed as won by the platform; loss of data; loss of goodwill; or damages arising from service interruptions, technical malfunctions, or delays in processing transactions where such events are beyond xoplay's reasonable control.

xoplay does not warrant that the Service will be uninterrupted, error-free, or free from viruses or other harmful components. You access and use the xoplay Service at your own risk and are responsible for ensuring that your device and connection are secure.

11 Privacy & Data Protection

xoplay collects, processes, and stores your personal data in accordance with its Privacy Policy, which forms part of these Terms and is available at xoplay.ws/privacy-policy. By agreeing to these Terms, you also consent to the data practices described in the Privacy Policy.

xoplay processes your personal data for the purposes of account management, KYC verification, fraud prevention, regulatory compliance, customer support, and — where you have given your consent — marketing communications. xoplay does not sell your personal data to third parties for their independent marketing purposes.

xoplay complies with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines. You may exercise your rights of access, correction, deletion, and objection with respect to your personal data by contacting xoplay's data privacy team via the contact details set out in the Privacy Policy.

12 Amendments to These Terms

xoplay reserves the right to amend, update, or replace these Terms at any time. Where changes are material, xoplay will provide at least seven (7) days' advance notice to registered players via the email address or mobile number associated with their xoplay account, or by posting a prominent notice on the xoplay platform.

Your continued use of the xoplay Service after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must close your account and withdraw any remaining balance before the effective date of the changes. xoplay will process such withdrawal requests without penalty.

13 Account Termination & Suspension

Either party may terminate the player account relationship at any time. You may close your xoplay account by contacting customer support. xoplay will process any outstanding verified withdrawal of your real-money balance within the standard withdrawal timelines set out in Section 4.

xoplay may suspend or permanently close your account with immediate effect, and may withhold the balance pending investigation, in any of the following circumstances:

• Breach of any provision of these Terms
• Suspected or confirmed fraudulent activity, including money laundering or identity fraud
• Discovery that the account holder does not satisfy the eligibility requirements in Section 2
• Instruction or request by a regulatory authority, law enforcement body, or court of competent jurisdiction
• Account inactivity exceeding 12 consecutive months (dormant account policy applies)

Where xoplay closes an account due to a regulatory instruction or confirmed fraud, balances may be frozen pending the outcome of regulatory or legal proceedings. xoplay will notify you of the reason for closure to the extent permitted by applicable law.

14 Dispute Resolution

xoplay is committed to resolving player disputes fairly and efficiently. If you have a complaint regarding any aspect of the xoplay Service, you should follow this escalation process:

• Step 1 — Live Chat: Contact xoplay customer support via 24/7 live chat on the platform. Most issues are resolved at this stage within a few hours.
• Step 2 — Email Escalation: If the live chat resolution is uns atisfactory, submit a formal written complaint to [email protected] with your account details, a description of the dispute, and any supporting evidence. xoplay's compliance team will acknowledge your complaint within 24 hours and issue a full written response within 5 business days.
• Step 3 — Regulatory Escalation: If you remain unsatisfied following xoplay's written response, you may escalate your complaint to the relevant Philippine gaming regulatory authority. xoplay will cooperate fully with any regulatory inquiry or investigation arising from a player complaint.

All disputes relating to game outcomes, bet settlements, or technical malfunctions must be raised within 30 days of the event giving rise to the dispute. xoplay will not entertain disputes submitted after this period has elapsed.

15 Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation — whether contractual or non-contractual — 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.

You and xoplay irrevocably agree that the courts of the Republic of the Philippines shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or your use of the xoplay Service. This choice of jurisdiction does not limit xoplay's right to seek injunctive or other equitable relief in any court of competent jurisdiction where necessary to protect its legitimate interests.

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it enforceable. The validity and enforceability of the remaining provisions shall not be affected.