These Terms & Conditions govern your use of the panako platform and all services offered through panako.net. Please read them carefully before registering or placing any wager. By accessing panako, you agree to be bound by these terms in full.
These Terms constitute a legally binding agreement between you and panako. If you do not agree with any part of these Terms, you must not use the panako platform.
21+ You must be at least 21 years old to register and play on panako.
A plain-language summary of the most important points. The full legal text follows below.
You must be at least 21 years of age and a resident of the Philippines to open a panako account. panako strictly enforces age verification in compliance with PAGCOR regulations.
Each player is permitted to hold only one panako account. Duplicate accounts will be suspended and any associated balances may be forfeited pending investigation.
All bonuses are subject to wagering requirements. Bonus funds must be wagered the specified number of times before withdrawal. Misuse of bonuses will result in account suspension.
All transactions are processed in Philippine Peso (PHP). Withdrawals require completed KYC verification. panako reserves the right to request supporting documents before releasing funds.
You are responsible for maintaining the confidentiality of your login credentials. panako will never ask for your password. Report any unauthorized access to our support team immediately.
panako provides deposit limits, session reminders, and self-exclusion tools. We are committed to promoting responsible gaming in line with PAGCOR guidelines. Gambling is addictive. Know when to stop.
In these Terms & Conditions, the following definitions apply unless the context requires otherwise:
By accessing the panako platform, creating an account, or placing any wager, you unconditionally accept and agree to be bound by these Terms & Conditions in their entirety, together with panako's Privacy Policy and Responsible Gaming Policy, all of which are incorporated herein by reference.
These Terms constitute a legally binding agreement between you and panako. If you do not agree with any provision of these Terms, you must immediately cease using the panako platform and close your account.
panako reserves the right to amend these Terms at any time. Continued use of the platform following notification of any amendment constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
To register and use the panako platform for real-money gaming, you must satisfy all of the following eligibility requirements:
During registration, you are required to provide accurate, complete, and current personal information including your full legal name, date of birth, residential address, and valid contact details. Providing false or misleading information constitutes a material breach of these Terms and may result in immediate account suspension and forfeiture of funds.
panako reserves the right to request documentary proof of identity, age, and address at any time. Failure to provide satisfactory documentation within the timeframe specified by panako may result in account suspension and withholding of withdrawals pending verification.
One Account Policy. Each player is permitted to maintain only one active panako account. The creation of multiple accounts — whether under the same or different personal details — is strictly prohibited. panako employs technical and manual measures to detect duplicate accounts. Where duplicate accounts are identified, all associated accounts may be suspended and balances forfeited pending investigation.
Account Security. You are solely responsible for maintaining the confidentiality of your username and password. You must not share your login credentials with any third party. panako will never request your password through any channel. Any activity conducted through your account while logged in will be deemed to have been authorized by you.
Unauthorized Access. If you suspect that your account has been accessed without your authorization, you must notify panako's customer support team immediately. panako will take reasonable steps to investigate and, where appropriate, secure your account. panako shall not be liable for any losses arising from unauthorized access where you have failed to take reasonable precautions to protect your credentials.
Account Inactivity. Accounts that remain inactive for a continuous period of twelve (12) months may be classified as dormant. panako reserves the right to apply an administrative fee to dormant accounts in accordance with its prevailing dormancy policy, which will be communicated to you prior to any deduction.
Currency. All transactions on the panako platform are conducted in Philippine Peso (PHP). panako does not accept deposits or process withdrawals in any foreign currency or digital asset.
Accepted Payment Methods. panako supports the following payment methods for deposits and withdrawals:
panako does not accept credit card deposits for gaming accounts, in compliance with applicable Philippine regulations. Cryptocurrency deposits and withdrawals are not accepted under any circumstances.
Minimum Deposit. The minimum deposit amount is ₱100. Minimum and maximum withdrawal amounts are as specified in the panako platform's cashier section and may be updated from time to time.
Withdrawal Processing. All withdrawal requests are subject to KYC verification. panako reserves the right to withhold withdrawal processing until satisfactory identity verification has been completed. GCash and PayMaya withdrawals are typically processed within one (1) business day. Bank transfer withdrawals are typically processed within three (3) business days. VIP members may be eligible for expedited processing.
Withdrawal Restrictions. panako reserves the right to request supporting documentation — including but not limited to proof of identity, proof of address, and proof of payment method ownership — before processing any withdrawal. Withdrawals may be delayed or withheld where panako has reasonable grounds to suspect fraud, money laundering, or breach of these Terms.
panako offers various bonuses and promotional offers to eligible players. All bonuses are subject to the following general conditions, as well as any specific terms communicated at the time the bonus is offered:
Game Rules. Each game available on the panako platform is governed by its own specific rules, which are accessible within the game interface. By participating in any game, you confirm that you have read and understood the applicable game rules. In the event of any conflict between game-specific rules and these Terms, these Terms shall prevail unless otherwise specified.
Random Number Generators. All panako games that rely on random outcomes use certified Random Number Generator (RNG) technology. RNG systems are independently tested and certified to ensure fairness and unpredictability of results. panako does not manipulate game outcomes.
Malfunction Policy. In the event of a technical malfunction, system error, or software failure that affects the outcome of a game, panako reserves the right to void the affected round and refund the wager amount to the player's account. panako shall not be liable for any losses arising from technical malfunctions beyond the refund of the affected wager.
Disconnection Policy. If your internet connection is interrupted during a game round, the round will be completed according to the game's standard rules. panako is not responsible for losses resulting from player-side connectivity issues. It is your responsibility to ensure a stable internet connection before commencing play.
Bet Limits. Minimum and maximum bet limits apply to all games on the panako platform. These limits are displayed within each game interface and may be updated from time to time. panako reserves the right to impose individual bet limits on any player account at its sole discretion.
The following activities are strictly prohibited on the panako platform. Engaging in any prohibited activity constitutes a material breach of these Terms and may result in immediate account suspension, forfeiture of funds, and referral to relevant authorities:
All content on the panako platform — including but not limited to text, graphics, logos, game assets, software, audio, video, and the overall design and layout of the platform — is the exclusive property of panako or its licensors and is protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the panako platform solely for your personal, non-commercial entertainment purposes. This licence does not permit you to:
Any unauthorized use of panako's intellectual property may result in legal action. All rights not expressly granted in these Terms are reserved by panako and its licensors.
To the fullest extent permitted by applicable law, panako, its directors, officers, employees, agents, and licensors 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:
panako'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 panako account in the thirty (30) days immediately preceding the event giving rise to the claim.
Nothing in these Terms shall limit or exclude panako's liability for fraud, gross negligence, or any other liability that cannot be excluded or limited under applicable Philippine law.
panako collects, processes, and stores your personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By using the panako platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.
panako implements industry-standard technical and organizational security measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction. However, no method of electronic transmission or storage is completely secure, and panako cannot guarantee absolute data security.
panako may be required to disclose your personal data to PAGCOR, law enforcement agencies, or other regulatory authorities in compliance with applicable legal obligations. Such disclosures will be made in accordance with panako's Privacy Policy and applicable law.
For full details on how panako handles your personal data, please review the Privacy Policy.
panako is committed to promoting responsible gaming and minimizing the potential harms associated with gambling. In accordance with PAGCOR guidelines, panako provides the following responsible gaming tools to all registered players:
panako strictly enforces the minimum age requirement of 21 years for all real-money gaming activity. Any player found to be under the age of 21 will have their account immediately suspended and all funds returned to the depositing payment method after verification.
⚠️ Gambling is addictive. Know when to stop. If you feel that gambling is negatively affecting your life, please use panako's self-exclusion tools or seek assistance from PAGCOR's responsible gaming resources.
For more information on responsible gaming tools and resources, please visit the Responsible Gaming page.
Suspension by panako. panako reserves the right to suspend or restrict your account at any time, with or without prior notice, where panako has reasonable grounds to believe that:
Termination by You. You may close your panako account at any time by contacting customer support. Upon closure, any remaining real-money balance will be returned to your verified payment method, subject to completion of any outstanding KYC requirements and provided no withdrawal restrictions apply.
Effect of Termination. Upon termination of your account for any reason, your licence to use the panako platform is immediately revoked. Any bonus funds or bonus-derived winnings remaining in your account at the time of termination will be forfeited. Termination does not affect any rights or obligations that have accrued prior to the date of termination.
These Terms & Conditions 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 any dispute arising out of or in connection with these Terms or your use of the panako platform, you agree to first attempt to resolve the dispute informally by contacting panako's customer support team. panako will endeavor to resolve all disputes within fourteen (14) business days of receiving written notice.
If a dispute cannot be resolved informally, both parties agree to submit to the exclusive jurisdiction of the competent courts of the Philippines. Players who believe their dispute involves a regulatory matter may also escalate their complaint to PAGCOR through its official complaint resolution channels.
panako reserves the right to amend, update, or replace these Terms & Conditions at any time. Where changes are material, panako will provide reasonable notice to registered players via email or an in-platform notification prior to the changes taking effect.
The date of the most recent revision is displayed at the top of this page. It is your responsibility to review these Terms periodically to ensure you are aware of any changes. Your continued use of the panako platform following the effective date of any amendment constitutes your acceptance of the revised Terms.
If you do not agree with any amended Terms, you must cease using the platform and may close your account in accordance with Section 13 of these Terms.
If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the panako support team through the following channel:
For regulatory matters, you may also contact PAGCOR directly through its official channels. panako's customer support team can provide guidance on how to escalate regulatory complaints where appropriate.
Now that you know the rules, join over 2 million Filipino players on panako. Live casino, slots, bingo, and fast GCash payouts — all in one platform built for Filipino players.
Must be 21 or older to play. Gambling is addictive. Know when to stop.