Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "Player," or "you") and loki99 ("loki99," "we," "us," or "our") governing your access to and use of the loki99 website located at loki99.one and all associated services, games, and features (collectively, the "Platform").

By registering an account, making a deposit, placing a wager, or otherwise accessing any part of the loki99 Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms in full, together with our Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

If you do not agree to any part of these Terms, you must immediately cease using the loki99 Platform and close your account. Continued use of the Platform following any amendment to these Terms constitutes your acceptance of the revised Terms.

Access to and use of the loki99 Platform is subject to the following eligibility requirements, all of which must be satisfied at all times during your use of the Platform:

• Age: You must be at least twenty-one (21) years of age. loki99 strictly enforces the 21+ age requirement in accordance with Philippine gaming laws. Underage gambling is illegal and strictly prohibited on the loki99 Platform.
• Jurisdiction: You must be accessing the Platform from a jurisdiction where online gambling is not prohibited by applicable law. It is your sole responsibility to ensure that your use of loki99 complies with the laws of your jurisdiction.
• Legal Capacity: You must have full legal capacity to enter into a binding agreement under the laws of the Philippines and your jurisdiction of residence.
• Single Account: You may hold only one (1) registered account on the loki99 Platform. The creation of multiple accounts by a single individual is strictly prohibited and may result in permanent account suspension and forfeiture of funds.
• Not Self-Excluded: You must not be subject to any self-exclusion order, whether imposed by loki99 or by any regulatory authority, at the time of registration or use.

loki99 reserves the right to request documentary proof of age and identity at any time. Failure to provide satisfactory verification documents within the timeframe specified by loki99 may result in account suspension and withholding of withdrawals pending verification.

To access real-money gaming services on loki99, you must complete the registration process and create a verified account. By registering, you represent and warrant that all information provided is accurate, complete, and current.

You are required to provide accurate personal information during registration, including but not limited to your full legal name, date of birth, residential address, email address, and mobile number. loki99 uses this information for identity verification, fraud prevention, and compliance with anti-money laundering (AML) regulations.

You are solely responsible for maintaining the confidentiality of your loki99 account credentials, including your username and password. You must not share your login details with any third party. loki99 will not be liable for any loss or damage arising from unauthorized access to your account resulting from your failure to maintain the security of your credentials.

You must notify loki99 immediately upon becoming aware of any unauthorized use of your account or any other breach of security. loki99 recommends enabling two-factor authentication (2FA) on your account for enhanced security.

loki99 is required by PAGCOR regulations and applicable Philippine law to conduct Know Your Customer (KYC) verification. You may be required to submit government-issued identification documents, proof of address, and proof of payment method ownership before withdrawals are processed. loki99 reserves the right to suspend withdrawals pending satisfactory completion of KYC verification.

loki99 accepts deposits via GCash, PayMaya, BPI, BDO, Metrobank, and other payment methods as displayed on the Platform. All deposits are credited in Philippine Peso (PHP). Minimum and maximum deposit limits apply and are displayed at the time of transaction. loki99 does not charge fees on deposits, though your payment provider may apply their own charges.

Withdrawal requests are processed subject to completion of KYC verification and compliance with these Terms. loki99 aims to process GCash and PayMaya withdrawals within five (5) minutes of approval. Bank transfer withdrawals may take one (1) to three (3) business days depending on the receiving institution. loki99 reserves the right to conduct additional security checks before processing withdrawal requests.

loki99 complies with Philippine anti-money laundering laws, including the Anti-Money Laundering Act (AMLA) as amended. Withdrawals must be made to the same payment method used for the corresponding deposit where technically feasible. loki99 may request documentation to verify the source of funds for large transactions. Suspicious transactions will be reported to the Anti-Money Laundering Council (AMLC) as required by law.

loki99 offers various bonuses and promotional offers to eligible players. All bonuses are subject to specific terms and wagering requirements that are published alongside each offer. General bonus terms applicable to all loki99 promotions include the following:

• Bonuses are available to verified accounts only. Unverified accounts may not withdraw bonus winnings.
• Wagering requirements must be met in full before bonus funds or winnings derived from bonus funds may be withdrawn.
• loki99 reserves the right to modify, suspend, or withdraw any bonus or promotion at any time without prior notice.
• Bonuses may not be combined unless explicitly stated in the promotion terms.
• loki99 reserves the right to void bonuses and related winnings if there is evidence of bonus abuse, collusion, or exploitation of software errors.
• Each player is entitled to one (1) welcome bonus. Duplicate accounts created to claim multiple welcome bonuses will result in account suspension and forfeiture of all associated funds.

loki99 reserves the right to determine, at its sole discretion, whether a player's wagering activity qualifies for bonus purposes. Certain game types may contribute differently to wagering requirements as specified in individual promotion terms.

All games available on the loki99 Platform operate using independently audited random number generator (RNG) technology or, in the case of live dealer games, physical dealing procedures conducted under controlled conditions. loki99 is committed to providing a fair gaming environment for all players.

Specific rules for each game are available within the game interface. It is your responsibility to familiarize yourself with the rules of any game before placing real-money wagers. loki99 will not be liable for losses resulting from a player's misunderstanding of game rules.

In the event of a technical malfunction or disconnection during a game round, loki99's system logs will be used to determine the outcome. loki99's decision in such matters is final. If a game round cannot be completed due to a system error, the wager for that round will be refunded to the player's account balance.

The following conduct is strictly prohibited on the loki99 Platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of funds, and referral to relevant law enforcement authorities:

• Providing false, inaccurate, or misleading information during registration or at any other time.
• Using the Platform if you are under 21 years of age.
• Creating or operating more than one account on the Platform.
• Using automated software, bots, scripts, or any other artificial means to interact with the Platform.
• Exploiting software bugs, errors, or vulnerabilities for financial gain. Any winnings obtained through exploitation of errors are void and will be reclaimed.
• Engaging in collusion with other players to gain an unfair advantage.
• Using the Platform for any money laundering, fraud, or other illegal activity.
• Attempting to reverse-engineer, decompile, or otherwise tamper with the Platform's software or security systems.
• Engaging in any conduct that disrupts the experience of other players or the operation of the Platform.

All content on the loki99 Platform, including but not limited to text, graphics, logos, game software, audio, video, and the overall design and layout of the Platform, is the property of loki99 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 Platform for personal, non-commercial gaming purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the loki99 Platform without the prior written consent of loki99.

To the maximum extent permitted by applicable Philippine law, loki99 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform, including but not limited to loss of profits, loss of data, or loss of goodwill.

loki99's total aggregate liability to you for any claim arising out of or in connection with these Terms or your use of the Platform shall not exceed the total amount deposited by you into your loki99 account in the thirty (30) days preceding the event giving rise to the claim.

loki99 does not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. loki99 is not responsible for any loss or damage caused by your reliance on information obtained through the Platform.

loki99 reserves the right to suspend, restrict, or permanently close any account at its sole discretion, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms.
• Failure to complete KYC verification within the required timeframe.
• Suspected fraudulent activity, money laundering, or other illegal conduct.
• Receipt of a self-exclusion request from the account holder.
• Regulatory requirement or instruction from PAGCOR or any other competent authority.
• Inactivity for a period exceeding twelve (12) consecutive months.

Upon account closure, any verified real-money balance remaining in your account (excluding bonus funds and winnings derived from bonus funds subject to incomplete wagering requirements) will be returned to you via your registered payment method, subject to completion of any outstanding verification requirements.

loki99 is committed to promoting responsible gaming practices. We provide a range of tools to help players manage their gaming activity, including deposit limits, session time reminders, cooling-off periods, and self-exclusion options. These tools are accessible directly from your loki99 account settings.

If you believe you may have a gambling problem, loki99 strongly encourages you to use the self-exclusion facility available in your account settings or to contact our support team to request exclusion. loki99 also encourages players to seek assistance from PAGCOR's responsible gaming resources and other support organizations available in the Philippines.

The minimum age to use loki99 is 21 years. loki99 will not knowingly permit underage individuals to register or play on the Platform. Any account found to be held by a person under 21 years of age will be immediately closed and all funds forfeited.

For more information on responsible gaming at loki99, please visit our Responsible Gaming page.

These Terms 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, without regard to its conflict of law provisions.

In the event of a dispute between you and loki99, you agree to first attempt to resolve the dispute informally by contacting loki99 customer support. If the dispute cannot be resolved informally within thirty (30) days, either party may submit the dispute to the jurisdiction of the competent courts of the Philippines.

loki99 operates under the regulatory oversight of PAGCOR. Complaints regarding loki99's compliance with PAGCOR regulations may be submitted directly to PAGCOR through their official channels.

loki99 reserves the right to amend these Terms at any time. When material changes are made, loki99 will notify registered players via email or through a prominent notice on the Platform. The date of the most recent revision is indicated at the top of this page.

Your continued use of the loki99 Platform following the posting of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must cease using the Platform and may request account closure by contacting loki99 customer support.

If you have any questions, concerns, or complaints regarding these Terms and Conditions, please contact the loki99 support team:

loki99 is committed to resolving all player concerns promptly and fairly in accordance with our obligations under PAGCOR regulations and Philippine consumer protection law.