cow888 Terms & Conditions

01 Definitions

In these Terms and Conditions, the following definitions apply unless the context requires otherwise:

• "cow888," "we," "us," "our" refers to the cow888 platform and its operating entity, accessible at cow888.app.
• "Player," "you," "your" refers to any individual who registers for or uses a cow888 account.
• "Platform" refers to the cow888 website, mobile interface, games, cashier, and all associated services available at cow888.app.
• "Account" refers to the registered player account created upon successful completion of the cow888 registration process.
• "Real Money Balance" refers to funds deposited by the player into their cow888 account using an approved payment method.
• "Bonus Balance" refers to promotional credits awarded by cow888 that are subject to wagering requirements before withdrawal.
• "Wagering Requirement" refers to the number of times a bonus amount must be wagered before it becomes eligible for withdrawal.
• "PAGCOR" refers to the Philippine Amusement and Gaming Corporation, the regulatory body governing gaming operations in the Philippines.
• "KYC" refers to Know Your Customer verification procedures required to confirm a player's identity and eligibility.

02 Acceptance of Terms

By accessing the cow888 platform, creating an account, making a deposit, or placing any wager, you confirm that you have read, understood, and agree to be legally bound by these Terms and Conditions, together with the cow888 Privacy Policy and Responsible Gaming Policy, all of which are incorporated herein by reference.

These Terms and Conditions constitute a legally binding agreement between you and cow888. If you do not accept these terms in full, you must immediately cease using the cow888 platform and close your account.

cow888 reserves the right to modify these Terms and Conditions at any time. When material changes are made, registered players will be notified via the email address associated with their account. The date of the most recent revision is displayed at the top of this page. Your continued use of the cow888 platform following notification of any changes constitutes your acceptance of the revised Terms and Conditions.

03 Eligibility

To register and use the cow888 platform, you must satisfy all of the following eligibility requirements 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. This is a mandatory legal requirement under Philippine law governing casino-style gambling. cow888 strictly enforces this age restriction and will request government-issued identification to verify your age before processing your first withdrawal.
• You must be a resident of the Philippines or otherwise located in a jurisdiction where accessing online casino platforms is lawful.
• You must not be a current employee, contractor, director, officer, or immediate family member of cow888 or any of its affiliated game providers or technology partners.
• You must not be subject to any self-exclusion order, whether imposed by cow888 or by PAGCOR or any other regulatory authority.
• You must have full legal capacity to enter into a binding contract under Philippine law.
• You must not be accessing the platform from a jurisdiction where online gambling is prohibited by applicable law.

04 Account Registration

To access real-money games and services on cow888, you must complete the registration process and create a verified account. The following conditions apply to account registration:

• One Account Per Person: Each individual may hold only one cow888 account. Registering multiple accounts — whether under the same name, different names, or using different payment methods — is strictly prohibited and will result in the suspension of all associated accounts and forfeiture of all balances.
• Accurate Information: You must provide accurate, complete, and current information during registration, including your full legal name, date of birth, residential address, and contact details. cow888 is not responsible for any issues arising from inaccurate information provided at registration.
• KYC Verification: cow888 is required to verify the identity of all players before processing withdrawals. You will be asked to submit a valid Philippine government-issued ID (such as a driver's license, passport, PhilSys National ID, SSS ID, or UMID card) and proof of address. Failure to complete KYC verification will result in withdrawal requests being placed on hold until verification is complete.
• Account Approval: cow888 reserves the right to decline any registration application at its sole discretion, without being required to provide a reason for the refusal.
• Account Closure: You may request the closure of your cow888 account at any time by contacting customer support. Any real money balance remaining in your account at the time of closure will be returned to your registered payment method, subject to completion of KYC verification and satisfaction of any applicable wagering requirements on bonus balances.

05 Account Security

You are solely responsible for maintaining the confidentiality and security of your cow888 account credentials, including your username and password. The following security obligations apply to all cow888 account holders:

• You must not share your cow888 login credentials with any other person. cow888 will not be liable for any losses resulting from unauthorized access to your account caused by your failure to keep your credentials secure.
• You must use a strong, unique password for your cow888 account and must not reuse passwords from other online services.
• You must notify cow888 customer support immediately if you suspect that your account has been accessed without your authorization.
• cow888 reserves the right to suspend any account where suspicious login activity is detected, pending verification of the account holder's identity.
• cow888 will never ask you for your password via email, live chat, or any other communication channel. Any communication purporting to be from cow888 that requests your password should be treated as fraudulent and reported to our support team immediately.

06 Deposits and Withdrawals

cow888 supports the following payment methods for deposits and withdrawals by Philippine players: GCash, PayMaya, InstaPay, BPI, BDO, and Metrobank. All transactions on the cow888 platform are denominated in Philippine Pesos (₱).

Deposits:

• Deposits via GCash and PayMaya are processed instantly and credited to your cow888 account in real time.
• Bank transfers via BPI, BDO, and Metrobank may take up to one (1) banking business day to be credited, depending on the sending bank's processing schedule.
• cow888 does not charge fees on deposits. However, your payment provider may apply their own transaction fees, for which cow888 accepts no responsibility.
• The minimum deposit amount is ₱100, unless otherwise specified for a particular payment method or promotional offer.
• cow888 reserves the right to request verification of the payment method used for any deposit before processing a withdrawal to that method.

Withdrawals:

• Withdrawal requests are processed within one (1) business day of submission, subject to completion of KYC verification.
• GCash withdrawals are typically credited to the player's GCash wallet within 15 minutes of processing. Bank transfer withdrawals may take one (1) to three (3) banking business days.
• The minimum withdrawal amount is ₱500. The maximum withdrawal amount per transaction and per day is subject to the limits published in the cow888 cashier at the time of the request.
• Withdrawals will only be processed to a payment method that has been previously used to make a deposit into the same cow888 account, or to a verified bank account or e-wallet registered in the player's own name.
• cow888 reserves the right to conduct additional verification checks before processing any withdrawal request. This may include requesting additional identification documents or proof of payment method ownership.

07 Bonuses and Promotions

cow888 offers various bonuses and promotional offers to eligible players from time to time. All bonuses are subject to the following general terms, in addition to any specific terms communicated at the time the bonus is offered:

• Wagering Requirements: Bonus funds credited to your cow888 account must be wagered a minimum number of times (the "wagering requirement") before they become eligible for withdrawal. The applicable wagering requirement for each bonus will be clearly stated in the specific bonus terms. Unless otherwise specified, the standard wagering requirement for cow888 welcome bonuses is 30x the bonus amount.
• Eligible Games: Not all games on the cow888 platform contribute equally to wagering requirements. Live dealer games, slots, and other game categories may contribute at different rates. The contribution rates for each game category will be specified in the relevant bonus terms.
• Bonus Expiry: All bonuses have an expiry period, after which any unused bonus balance and associated winnings will be forfeited. The expiry period for each bonus will be stated in the specific bonus terms. Unless otherwise specified, the standard bonus expiry period is 30 days from the date the bonus is credited.
• One Bonus at a Time: Players may only hold one active bonus at a time on their cow888 account, unless otherwise specified in a particular promotion's terms.
• Abuse and Fraud: cow888 reserves the right to void any bonus and withhold associated winnings if there is evidence of bonus abuse, including but not limited to: creating multiple accounts to claim the same bonus, using automated betting strategies to exploit bonus terms, or colluding with other players.
• Modification and Withdrawal: cow888 reserves the right to modify, suspend, or withdraw any bonus or promotional offer at any time without prior notice, provided that any bonus already credited to a player's account will remain subject to the terms in effect at the time of crediting.

08 Gameplay Rules

The following rules apply to all gameplay on the cow888 platform:

• Game Rules: Each game available on cow888 is governed by its own specific rules, which are accessible within the game interface. Players are responsible for familiarizing themselves with the rules of each game before placing real-money wagers.
• Technical Malfunctions: In the event of a technical malfunction, disconnection, or system error during a game round, cow888 will use its best efforts to resolve the issue fairly. Where a game round cannot be completed due to a technical fault, the wager for that round will be returned to the player's account. cow888 is not liable for any losses arising from technical malfunctions beyond its reasonable control.
• Disputed Outcomes: Game outcomes are determined by certified random number generators and, in the case of live dealer games, by the physical outcome of the game as recorded by the live studio cameras. In the event of a dispute regarding a game outcome, the recorded result from the game server or live studio feed shall be the definitive record.
• Bet Limits: Minimum and maximum bet limits apply to all games on the cow888 platform. These limits are displayed within each game interface and may vary by game, table, and account status.
• Void Bets: cow888 reserves the right to void any bet that was placed in error, placed on an event or game that was incorrectly priced due to a technical error, or placed in a manner that constitutes a breach of these Terms and Conditions.

09 Prohibited Conduct

The following conduct is strictly prohibited on the cow888 platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of all balances, and reporting to the relevant authorities:

• Registering more than one cow888 account, whether under your own name or any other identity.
• Providing false, misleading, or fraudulent information during registration or KYC verification.
• Using the cow888 platform if you are under 21 years of age.
• Using automated software, bots, scripts, or any other artificial means to interact with the cow888 platform or its games.
• Exploiting software bugs, errors, or vulnerabilities in the cow888 platform or any of its games. Any such vulnerabilities must be reported to cow888 support immediately.
• Engaging in any form of collusion, chip dumping, or coordinated play with other players for the purpose of gaining an unfair advantage.
• Using the cow888 platform for any money laundering, fraud, or other illegal financial activity. cow888 is required to report suspicious financial activity to the relevant Philippine authorities in accordance with the Anti-Money Laundering Act (Republic Act 9160, as amended).
• Attempting to reverse, charge back, or dispute any legitimate transaction made on the cow888 platform through your payment provider.
• Engaging in any conduct that disrupts, damages, or interferes with the cow888 platform or the experience of other players.

10 Responsible Gaming

cow888 is committed to promoting responsible gaming and providing tools to help players manage their gambling activity. The following responsible gaming features are available to all cow888 account holders:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits on their cow888 account. Once a limit is set, it takes effect immediately. Requests to increase a deposit limit are subject to a 24-hour cooling-off period before the increase takes effect.
• Session Time Reminders: Players may set session duration reminders that will notify them when a specified period of play has elapsed.
• Cooling-Off Periods: Players may request a temporary suspension of their cow888 account for a period of 24 hours, 7 days, or 30 days. During a cooling-off period, the account cannot be used to place wagers or make deposits.
• Self-Exclusion: Players who wish to permanently stop gambling on cow888 may request self-exclusion. Self-exclusion is available for periods of 6 months, 1 year, 3 years, or permanently. During a self-exclusion period, the account will be closed and the player will be prevented from creating a new cow888 account.

If you are concerned about your gambling habits or those of someone you know, cow888 encourages you to visit our dedicated Responsible Gaming page for further information and resources.

11 Intellectual Property

All content on the cow888 platform — including but not limited to the cow888 brand name, logo, website design, game interfaces, graphics, text, software, and promotional materials — is the intellectual property of cow888 or its licensors and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the cow888 platform for personal, non-commercial entertainment purposes only. This license does not permit you to:

• Copy, reproduce, distribute, or publicly display any cow888 content without prior written authorization.
• Modify, adapt, translate, or create derivative works based on any cow888 content.
• Use the cow888 brand name, logo, or any other cow888 trademarks in any manner that could cause confusion or imply endorsement without prior written consent.
• Reverse engineer, decompile, or disassemble any software used to operate the cow888 platform.

Any unauthorized use of cow888 intellectual property may result in legal action. cow888 reserves all rights not expressly granted in these Terms and Conditions.

12 Limitation of Liability

To the maximum extent permitted by applicable Philippine law, cow888 and its officers, directors, 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 cow888 platform, including but not limited to:

• Loss of winnings or profits resulting from technical malfunctions, disconnections, or system errors beyond cow888's reasonable control.
• Loss of data or account information resulting from unauthorized access to your account caused by your failure to maintain the security of your credentials.
• Any losses arising from your reliance on information provided on the cow888 platform that is subsequently found to be inaccurate.
• Any losses arising from delays in deposit crediting or withdrawal processing caused by third-party payment providers.

cow888's total aggregate liability to any player in connection with any single claim or series of related claims shall not exceed the total amount deposited by that player into their cow888 account in the 30-day period immediately preceding the event giving rise to the claim.

Nothing in these Terms and Conditions shall limit or exclude cow888's liability for fraud, gross negligence, or any other liability that cannot be excluded or limited under applicable Philippine law.

13 Privacy and Data Protection

cow888 collects, processes, and stores personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act 10173) and its implementing rules and regulations. The collection and use of your personal data is governed by the cow888 Privacy Policy, which is incorporated into these Terms and Conditions by reference.

By registering for a cow888 account, you consent to the collection and processing of your personal data as described in the cow888 Privacy Policy, including:

• Collection of identity and contact information for account registration and KYC verification purposes.
• Processing of transaction data for payment processing, fraud prevention, and regulatory compliance purposes.
• Use of gameplay data for platform improvement, personalization, and responsible gaming monitoring purposes.
• Disclosure of personal data to regulatory authorities, including PAGCOR and the Anti-Money Laundering Council (AMLC), where required by law.

For full details on how cow888 handles your personal data, please review the cow888 Privacy Policy.

14 Governing Law and Dispute Resolution

These Terms and 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 and Conditions or your use of the cow888 platform, the parties agree to first attempt to resolve the dispute through good-faith negotiation. You may initiate this process by contacting cow888 customer support with a written description of your complaint.

If a dispute cannot be resolved through negotiation within 30 days of the initial complaint, either party may refer the matter to the appropriate regulatory authority or to the courts of competent jurisdiction in the Philippines.

cow888 is committed to fair and transparent dispute resolution. All complaints submitted to cow888 customer support will be acknowledged within 24 hours and investigated within five (5) business days. Players will be kept informed of the progress of their complaint throughout the investigation process.

15 Contact Information

If you have any questions, concerns, or complaints regarding these Terms and Conditions or the cow888 platform, please contact our customer support team through any of the following channels:

• Live Chat: Available 24/7 directly through the cow888 platform. This is the fastest way to reach our support team for urgent matters.
• Email: [email protected] — responses within 24 hours on business days.

cow888 customer support operates on Philippine Standard Time (PST, UTC+8). Our team is available 24 hours a day, 7 days a week, including Philippine public holidays.

For regulatory matters or complaints that cannot be resolved through cow888 customer support, players may contact PAGCOR directly through the official PAGCOR channels.