Terms & Conditions — sm77

These Terms and Conditions (hereinafter "Terms") constitute a legally binding agreement between you (the "Player," "User," or "Account Holder") and sm77 (hereinafter "sm77," "the Platform," "we," "us," or "our"), the operator of the online gaming platform accessible at sm77.club and its associated subdomains, mobile versions, and applications.

By creating an account, accessing the sm77 platform, depositing funds, or participating in any game, promotion, or service offered by sm77, you unconditionally accept and agree to be legally bound by these Terms, along with sm77's Privacy Policy and Responsible Gaming Policy, all of which are incorporated by reference into this agreement.

If you do not accept these Terms in their entirety, you must immediately cease using the sm77 platform and must not create or continue to operate an account. Continued use of the platform following any amendments to these Terms shall constitute your acceptance of the revised Terms.

To be eligible to register and use the sm77 platform, you must satisfy all of the following conditions at the time of registration and on a continuing basis throughout your use of the platform:

• You must be at least 21 years of age, as required under Philippine gaming laws and PAGCOR regulations applicable to online casino operations in the Philippines.
• You must not be a resident of any jurisdiction in which online gambling is prohibited or where access to sm77 is restricted by applicable law.
• You must not be acting as an agent, nominee, or proxy for another individual in creating or operating an account.
• You must have full legal capacity to enter into a binding contract under the laws of the Republic of the Philippines.
• You must not have been previously self-excluded or excluded by sm77 from the platform.
• You must not be an employee, contractor, officer, director, or close family member of an employee or contractor of sm77 or any of its affiliated game providers.

sm77 reserves the right to request identity documents, proof of age, proof of address, and source-of-funds documentation from any Account Holder at any time. Failure to provide satisfactory verification documents within a reasonable timeframe may result in account suspension and withholding of withdrawals pending verification.

Each individual may register only one (1) account on the sm77 platform. The creation of duplicate, multiple, or linked accounts is strictly prohibited and constitutes grounds for immediate account closure and forfeiture of all balances and bonuses across all associated accounts.

When registering, you agree to provide accurate, current, and complete information. You further agree to maintain and promptly update your registration information to keep it accurate and complete throughout your use of sm77. sm77 reserves the right to suspend or close any account where registration information is found to be false, misleading, or incomplete.

You are solely responsible for:

• Maintaining the confidentiality of your sm77 login credentials, including your username, password, and any OTP codes.
• All activities that occur on your account, whether or not authorized by you.
• Ensuring that you log out of your sm77 account after each session, particularly when using a shared or public device.
• Immediately notifying sm77 support if you become aware of any unauthorized access to or use of your account.

sm77 will never ask for your full password via email, SMS, or live chat. Any communication purporting to be from sm77 and requesting your full password should be treated as fraudulent and reported to sm77 support immediately.

sm77 accepts deposits via the following methods available to Philippine players: GCash, PayMaya, BDO bank transfer, BPI bank transfer, Metrobank transfer, USDT (TRC-20 and ERC-20), and Bitcoin. Additional payment methods may be introduced from time to time at sm77's discretion.

All deposits to your sm77 account must originate from a payment method registered in your own name. Deposits from third-party payment sources are prohibited and may trigger account review, suspension, and return of funds to the identified source.

• Minimum deposit amounts apply per payment method and are displayed at the point of deposit.
• GCash and PayMaya deposits are processed in real time under normal operating conditions.
• Bank transfer deposits (BDO, BPI, Metrobank) typically clear within minutes during banking hours.
• Cryptocurrency deposits are credited upon the minimum required network confirmation for the relevant blockchain.
• sm77 does not accept cash deposits or deposits via third-party money transfer agents not listed as supported payment methods.

Subject to these Terms, you may withdraw your available sm77 account balance at any time. Withdrawals are processed to the same payment method used for your most recent deposit, unless sm77's withdrawal process provides a specific alternative selection mechanism. Withdrawal to a different individual's account is prohibited.

sm77 targets processing of standard GCash and PayMaya withdrawals within 15 minutes of approval. Actual processing times may be affected by payment provider availability, KYC verification status, or the need for additional security checks. sm77 does not guarantee specific withdrawal timelines and shall not be liable for delays attributable to third-party payment processors.

sm77 reserves the right to:

• Request identity verification, source-of-funds documentation, or proof of payment method ownership before processing any withdrawal.
• Delay or withhold withdrawal processing pending completion of account verification.
• Set minimum and maximum withdrawal limits, which are displayed in the withdrawal section of the platform.
• Deduct applicable transaction fees where these are levied by the relevant payment provider.

sm77 may offer bonuses, free spins, cashback, reload bonuses, and other promotional incentives to eligible Account Holders from time to time. All bonuses are subject to the specific terms published at the time the bonus is offered, in addition to the following general bonus conditions.

• Wagering requirements: Bonus funds and winnings derived from bonus funds are subject to wagering requirements before they become eligible for withdrawal. The applicable wagering multiplier is stated in the specific promotion terms.
• Eligibility: Bonuses are available to eligible players only. sm77 reserves the right to determine eligibility at its sole discretion and to withdraw or modify any bonus offer at any time.
• One account per bonus: Each bonus may only be claimed once per player, household, IP address, device, or payment method, unless explicitly stated otherwise.
• Game contribution: Different games contribute to wagering requirements at different rates. Live casino table games typically contribute at a lower rate than slots. Specific contribution rates are stated in the promotion terms.
• Expiry: Unclaimed or unused bonuses expire in accordance with the timeframe stated in the specific promotion terms. Expired bonuses are automatically removed from your account.
• Abuse: Any attempt to exploit bonuses through collusion, use of multiple accounts, or other abusive conduct will result in voiding of all bonuses and may result in account closure.

All games available on the sm77 platform operate using certified Random Number Generator (RNG) technology or live dealer systems subject to independent oversight. Game outcomes are random and mathematically unbiased. The Return to Player (RTP) percentage applicable to each game is that stated by the game's certified provider.

In the event of any discrepancy between a game result displayed on your device and the result recorded on sm77's server, the server record shall prevail. sm77 maintains complete game logs for all sessions and these records constitute the authoritative record of game outcomes and transactions.

sm77 reserves the right to void any bet or game round where there is credible evidence of software malfunction, data corruption, connectivity errors, or any other technical issue that materially affects the integrity of the game outcome. In such cases, sm77 will endeavor to return the bet amount to the affected player's account.

The following conduct is strictly prohibited on the sm77 platform and constitutes grounds for immediate account suspension, permanent closure, forfeiture of balances, and where applicable, referral to law enforcement authorities:

• Registering or operating more than one account, whether personally or through proxies, nominees, or third parties.
• Providing false, misleading, or unverifiable identity information during registration or verification.
• Using the platform if you are under 21 years of age.
• Accessing sm77 from a jurisdiction where online gambling is prohibited by applicable law.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with any part of the sm77 platform.
• Engaging in collusion with other players, dealers, or employees of sm77 or its service providers.
• Exploiting software bugs, errors, or vulnerabilities. Any such vulnerabilities discovered must be reported immediately to sm77 support.
• Using the sm77 platform for money laundering, terrorist financing, or any other unlawful financial activity.
• Charging back, disputing, or reversing any deposit made to your sm77 account through your payment provider without first raising the matter with sm77 support.
• Engaging in any conduct that disrupts, damages, or impairs the sm77 platform or the experience of other players.

sm77 is committed to promoting responsible gaming and player wellbeing. The following tools are available to all Account Holders directly within the account settings section of the sm77 platform:

• Deposit limits: Set daily, weekly, or monthly caps on the amount you can deposit into your sm77 account.
• Loss limits: Set limits on the amount you can lose within a defined period.
• Session time limits: Set maximum session durations and receive reminders when your session time is approaching its limit.
• Reality checks: Enable periodic pop-up notifications that remind you of how long you have been playing and your session balance movement.
• Self-exclusion: Request a temporary or permanent self-exclusion from the sm77 platform. Self-exclusion requests are processed within 24 hours and cannot be reversed for the duration of the exclusion period selected.
• Account cooling-off: Request a short-term break from the platform, typically available in 24-hour, 7-day, and 30-day durations.

During any active self-exclusion period, sm77 will endeavor to prevent the excluded Account Holder from accessing the platform and will not send promotional communications to the excluded account.

sm77 collects, stores, and processes personal data in accordance with the Republic Act No. 10173 (Data Privacy Act of 2012) of the Philippines and sm77's Privacy Policy, which is incorporated by reference into these Terms. By registering an sm77 account, you consent to sm77's collection and use of your personal data as described in the Privacy Policy.

Personal data collected by sm77 includes registration information, identity verification documents, payment information, gameplay transaction history, and communication records. This data is used for the purposes of account management, payment processing, identity verification, fraud prevention, regulatory compliance, and improving the sm77 platform.

sm77 does not sell your personal data to third parties. Data is shared with service providers only where necessary for platform operation, and under appropriate data protection agreements. For full details, please review the sm77 Privacy Policy.

All content on the sm77 platform — including but not limited to the sm77 brand name and logo, website design, software, game content (where not owned by third-party game providers), text, graphics, and audio-visual elements — is the exclusive property of sm77 or its licensors and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the sm77 platform solely for personal, non-commercial gaming purposes in accordance with these Terms. This license does not permit you to copy, reproduce, modify, distribute, sell, or create derivative works of any sm77 content without prior written consent from sm77.

To the maximum extent permitted by applicable law, sm77 and its officers, directors, employees, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the sm77 platform, including but not limited to loss of winnings, loss of data, or loss of business opportunity.

sm77's total aggregate liability to any Account Holder for any claim arising under or in connection with these Terms shall not exceed the net deposits made by that Account Holder to sm77 in the 30-day period immediately preceding the event giving rise to the claim.

sm77 does not warrant that:

• The platform will be uninterrupted, error-free, or free of viruses or other harmful components.
• Any specific game result, outcome, or payout will be achieved.
• The platform will be accessible from all geographic locations or on all devices and connection types.

sm77 reserves the right to suspend, restrict, or permanently close any Account Holder's account at its sole discretion, with or without prior notice, for any of the following reasons:

• Violation of any provision of these Terms or sm77's other policies.
• Failure to complete identity verification within the required timeframe.
• Suspicion of fraudulent activity, money laundering, or violation of applicable law.
• Chargeback or reversal of a deposit transaction.
• Underage access or ineligibility as described in Section 2.
• At sm77's discretion for legitimate business reasons, with any real-money balance returned to the Account Holder following verification.

You may request closure of your sm77 account at any time by contacting sm77 support. Upon account closure request, sm77 will process any eligible outstanding balance to your verified payment method following completion of standard verification procedures.

In the event of any dispute, complaint, or concern arising from your use of sm77, you should first contact the sm77 support team via live chat or email. sm77 aims to acknowledge all dispute submissions within 48 hours and to resolve them within 14 business days.

All disputes regarding game outcomes must be submitted within 72 hours of the disputed game event. sm77 will review the server-side game log records for the relevant session. The decision of sm77's dispute resolution team, based on server records, is final and binding.

Where a dispute cannot be resolved to the satisfaction of the Account Holder through sm77's internal process, the matter may be referred to the relevant regulatory authority. sm77 operates in compliance with Philippine gaming law and regulatory requirements.

sm77 reserves the right to amend, update, or replace these Terms at any time. Where changes are material, sm77 will provide reasonable notice to Account Holders via the email address registered to the affected account, or via a notice displayed upon login to the sm77 platform.

Continued use of the sm77 platform following the effective date of any amendment constitutes acceptance of the revised Terms. If you do not agree to the amended Terms, you must cease using the platform and may request account closure as described in Section 13.

The most current version of these Terms is always available at sm77.club/terms-conditions. The effective date displayed at the top of this document indicates when the current version came into force.

These Terms 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 Data Privacy Act of 2012 (Republic Act No. 10173), and applicable PAGCOR regulations and directives.

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, that cannot be resolved through sm77's internal dispute resolution process shall be submitted to the exclusive jurisdiction of the competent courts of the Republic of the Philippines.

If any provision of these Terms is found to be invalid, unlawful, or unenforceable under applicable law, that provision shall be deemed severed from the remainder of the Terms, which shall remain in full force and effect.