winhub Terms & Conditions

1Definitions

For the purposes of these Terms and Conditions, the following definitions apply:

• "winhub," "we," "us," or "the Company" refers to the operator of the winhub platform, operating under a license issued by the Philippine Amusement and Gaming Corporation (PAGCOR).
• "Platform" refers to the winhub website accessible at winhub.cam, including all associated subdomains, mobile-optimized interfaces, and any downloadable applications provided by winhub.
• "Player," "you," or "user" refers to any individual who accesses, browses, registers on, or uses the winhub Platform in any capacity.
• "Account" means the registered player account created on the winhub Platform, associated with a unique email address and Philippine mobile number.
• "Funds" refers to real-money balances deposited into and held within a player's winhub Account wallet.
• "Bonus Balance" refers to promotional credits, free spins value, cashback credits, or any other non-cash incentive credited to a player's Account in connection with a promotion.
• "Wagering Requirement" refers to the total bet turnover a player must complete before Bonus Balance or winnings derived therefrom become eligible for withdrawal.
• "PAGCOR" refers to the Philippine Amusement and Gaming Corporation, the regulatory authority that licenses and supervises gaming operations in the Philippines.
• "KYC" stands for Know Your Customer — the identity verification process required by Philippine anti-money laundering regulations and PAGCOR licensing conditions.

2Acceptance of Terms

These Terms and Conditions, together with the Privacy Policy, Responsible Gaming Policy, and any game-specific or promotion-specific rules published on the winhub Platform, constitute the entire agreement between you and winhub governing your use of the Platform. In the event of any conflict between these Terms and any promotion-specific terms, the promotion-specific terms shall prevail with respect to the subject matter of that promotion only.

By completing the registration process and creating a winhub Account, you represent and warrant that:

• You are at least 21 years of age.
• You have the legal capacity to enter into binding contracts under Philippine law.
• You are not a prohibited person under applicable Philippine law or PAGCOR regulations.
• All information you have provided during registration is accurate, complete, and current.
• You are accessing the Platform for personal entertainment purposes only, not on behalf of any third party.

3Eligibility & Registration

3.1 Age Requirement

The winhub Platform is strictly intended for adults. Under Philippine law and PAGCOR licensing conditions, players must be at least 21 years of age to create an account, deposit funds, or participate in any real-money game or wagering activity. winhub employs age verification procedures at the point of registration and during KYC review. Any Account found to have been opened by or on behalf of a person under 21 years of age will be immediately suspended, all Funds will be frozen pending investigation, and the matter may be referred to PAGCOR and relevant Philippine law enforcement authorities.

3.2 Geographic Restrictions

The winhub Platform is operated under a Philippine PAGCOR license and is primarily intended for players physically located within the Philippines. Players accessing the Platform from jurisdictions where online gambling is prohibited or restricted do so at their own legal risk. winhub does not accept registrations from, or knowingly provide services to, players located in jurisdictions where such activity is expressly prohibited by local law.

3.3 Registration Process

To create an Account, you must provide a valid email address, a Philippine mobile number, and other information as required during the registration flow. You are responsible for ensuring all registration information is accurate and kept current. winhub may require additional documentation — including but not limited to a government-issued Philippine ID (e.g., PhilSys, UMID, driver's license, or passport), proof of address, and proof of ownership of payment methods — as part of its KYC verification process.

3.4 One Account Policy

Each player may hold only one active Account on the winhub Platform. Registration of multiple accounts — whether under the same name, email address, payment method, device, or IP address — is strictly prohibited. Where duplicate accounts are detected, winhub reserves the right to suspend all associated accounts, void any pending bets or bonus balances, and withhold funds pending full investigation.

4Account Obligations

You are solely responsible for maintaining the confidentiality and security of your Account login credentials, including your password and any two-factor authentication codes. You must not share your Account credentials with any other person or allow any third party to access the Platform using your Account.

You agree to notify winhub immediately if you become aware of or suspect any unauthorized access to your Account. winhub shall not be liable for any loss arising from unauthorized use of your Account where such loss results from your failure to maintain adequate security of your credentials.

You must keep your registered contact details — including your email address and Philippine mobile number — accurate and current at all times. Failure to maintain accurate contact information may affect your ability to receive security notifications, withdrawal confirmations, and important account communications.

5Deposits & Withdrawals

5.1 Accepted Payment Methods

winhub accepts deposits and processes withdrawals through the following payment methods: GCash, Maya (formerly PayMaya), BPI (Bank of the Philippine Islands), BDO (Banco de Oro), UnionBank of the Philippines, 7-Eleven Cliqq, Coins.ph, and USDT TRC20. Minimum and maximum transaction amounts are displayed within the cashier section of the Platform at the time of transaction.

5.2 Deposit Terms

All deposits must be made using payment methods registered in your own name. winhub does not accept deposits from third-party payment sources. Deposits are credited to your Account wallet in Philippine Pesos (PHP) at the prevailing exchange rate where applicable. winhub does not charge deposit fees; however, your payment provider may impose their own transaction fees.

5.3 Withdrawal Terms

Withdrawals may only be processed to the same payment method used for deposit, subject to method availability. Before processing any withdrawal, winhub may require completion of KYC verification. Withdrawal requests are processed during operational hours. Most GCash and Maya withdrawals are processed within minutes under standard conditions; bank transfers may take one to three business days depending on the receiving institution.

5.4 Anti-Money Laundering

In compliance with Philippine Republic Act No. 9160 (Anti-Money Laundering Act) and PAGCOR requirements, winhub conducts transaction monitoring and may request documentation supporting the source of funds for deposits exceeding regulatory thresholds. winhub is required by law to report suspicious transactions to the Anti-Money Laundering Council (AMLC) of the Philippines.

6Bonuses & Promotions

winhub offers various promotional bonuses including welcome bonuses, deposit match bonuses, free spins, cashback offers, and referral rewards. All bonuses are subject to the following general conditions, in addition to any promotion-specific terms:

• Bonuses are available to verified players in good standing only. Players under active account restrictions are not eligible to claim promotions.
• Each promotion may only be claimed once per player, household, IP address, or shared device unless explicitly stated otherwise in the promotion terms.
• Bonus Balances are subject to Wagering Requirements. The specific multiplier applicable to each bonus is stated in its individual promotion terms. Wagering Requirements must be completed before any portion of the Bonus Balance or related winnings becomes withdrawable.
• Certain game categories — including but not limited to live dealer games, certain table games, and progressive jackpot slots — may contribute at a reduced rate or not at all toward Wagering Requirements. Contribution rates are listed in each promotion's terms.
• winhub reserves the right to withdraw, modify, or cancel any promotion at any time, including in response to evidence of abuse, collusion, or exploitation of promotional terms.
• Bonuses not utilized within their stated validity period will expire and be removed from the Account automatically.

7Gameplay & Betting Rules

All games available on the winhub Platform are provided through certified third-party game providers. The rules of each game are governed by the rules published within that game's interface and/or the game provider's terms. In the event of any technical error, malfunction, or disconnection during gameplay, winhub's technical logs shall be the primary reference for determining the outcome of the affected round.

winhub uses certified Random Number Generator (RNG) technology to ensure that all game outcomes are genuinely random and not manipulable by any party. RNG systems are independently tested and certified as part of the PAGCOR licensing process.

All bets are final once confirmed. winhub does not cancel or reverse completed bets except where a verifiable technical fault on the part of the Platform caused an incorrect outcome or where winhub determines at its sole discretion that a manifest error occurred. In such cases, winhub's decision is final and binding.

8Prohibited Conduct

The following activities are strictly prohibited on the winhub Platform:

• Registering or using an Account on behalf of another person.
• Registering multiple Accounts or assisting another person in circumventing the one-account policy.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with the Platform, analyze game outcomes, or execute bets.
• Exploiting software vulnerabilities, errors in odds or game logic, or any technical fault to gain an unfair advantage.
• Colluding with other players in any game format, including poker or live dealer games.
• Using the Platform to launder money or facilitate any other financial crime.
• Providing false, inaccurate, or misleading identity or payment information.
• Engaging in abusive, threatening, or harassing conduct toward winhub staff or other players.
• Attempting to reverse-engineer, copy, or reproduce any portion of the Platform, its software, or game content.
• Accessing or attempting to access the Platform from a jurisdiction where doing so is prohibited by applicable local law.

winhub reserves the right to suspend or permanently terminate any Account found to be engaged in prohibited conduct, and to withhold any Funds pending investigation in accordance with applicable law and PAGCOR regulations.

9Intellectual Property

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

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your personal, non-commercial entertainment purposes only. You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from the Platform without the prior written consent of winhub.

10Limitation of Liability

To the maximum extent permitted by applicable Philippine law, winhub shall not be liable for:

• Any loss of profits, revenue, data, goodwill, or other intangible losses arising from your use of the Platform.
• Any indirect, incidental, special, consequential, or punitive damages, however caused.
• Losses arising from Platform unavailability, maintenance downtime, technical failures, or interruptions outside winhub's reasonable control.
• Unauthorized access to your Account arising from your failure to maintain adequate security of your login credentials.
• Decisions made based on information or materials accessed on the Platform.

winhub's total aggregate liability to you for any direct damages shall not exceed the total amount of Funds deposited by you into your winhub Account during the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms shall limit winhub's liability for fraud, willful misconduct, or any liability that cannot be excluded or limited under Philippine law.

11Privacy & Data Protection

winhub collects, processes, and stores personal data in accordance with its Privacy Policy and applicable Philippine data protection law, including Republic Act No. 10173 (Data Privacy Act of 2012) and its Implementing Rules and Regulations. By using the Platform, you consent to the collection, processing, and storage of your personal data as described in the Privacy Policy.

Please review the winhub Privacy Policy for a full description of what data we collect, how we use it, how it is protected, and your rights as a data subject under Philippine law.

12Responsible Gaming

winhub is committed to promoting a safe and responsible gaming environment. Gambling is intended to be a form of entertainment and must be enjoyed within the bounds of personal financial means. winhub encourages all players to set personal limits and to seek help if gambling begins to negatively affect their daily life, finances, or relationships.

The following responsible gaming tools are available to all winhub account holders:

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts.
• Loss Limits: Set maximum loss thresholds per day, week, or month.
• Session Time Reminders: Receive alerts after a set duration of continuous play.
• Cooling-Off Periods: Temporarily suspend your account for a defined period of between 24 hours and 6 months.
• Self-Exclusion: Request a permanent or long-term exclusion from the Platform. Self-exclusion requests are irrevocable for the duration of the exclusion period selected.

Players who are 21 years of age or older and wish to access responsible gaming support may also consult the resources made available by PAGCOR and relevant Philippine government agencies. For more information, visit the winhub Responsible Gaming page.

13Account Suspension & Termination

13.1 Termination by winhub

winhub reserves the right to suspend, restrict, or permanently close your Account, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms and Conditions.
• Fraudulent activity, money laundering, or suspected financial crime.
• Provision of false identity or payment information.
• Detection of bonus abuse, collusion, or use of prohibited software.
• Compliance with applicable law, regulatory directive, or court order.
• Account inactivity for a continuous period of 12 months or more.

Where an Account is suspended due to suspected fraudulent activity, Funds held within the Account will be frozen pending the outcome of the investigation. winhub will cooperate fully with PAGCOR, the AMLC, and relevant Philippine law enforcement agencies in connection with any investigation.

13.2 Termination by Player

You may request the closure of your winhub Account at any time by contacting the support team. Before closing your Account, you should withdraw any remaining Funds. Accounts with outstanding wagering requirements or ongoing investigations may not be eligible for immediate closure.

14Dispute Resolution

In the event of any dispute regarding a game outcome, transaction, bonus, or any other aspect of the winhub Platform, you must first contact winhub Customer Support by emailing [email protected] with full details of the dispute, including relevant timestamps, game titles, transaction IDs, and any supporting screenshots. winhub aims to respond to all formal dispute submissions within five (5) business days.

If a dispute cannot be resolved to your satisfaction through internal resolution procedures, you may escalate the complaint to PAGCOR through PAGCOR's established complaints and adjudication process. winhub will cooperate fully with any PAGCOR-mediated dispute resolution process.

These Terms and any disputes arising out of or in connection with them shall be subject to the exclusive jurisdiction of the courts of the Philippines, except where Philippine law requires otherwise.

15Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. This includes, without limitation, the Civil Code of the Philippines, the Electronic Commerce Act (Republic Act No. 8792), the Data Privacy Act (Republic Act No. 10173), the Anti-Money Laundering Act (Republic Act No. 9160, as amended), and all applicable PAGCOR regulations and directives.

If any provision of these Terms is held by a competent court or tribunal to be invalid, unlawful, or unenforceable, that provision shall be severed from the remaining Terms, which shall continue in full force and effect.

16Contact Information

For queries, complaints, or formal dispute submissions regarding these Terms and Conditions, please contact the winhub support team:

• Email: [email protected]
• Support Hours: 24 hours a day, 7 days a week
• Live Chat: Available on the winhub Platform when logged in

When submitting a formal dispute or legal notice, please use the subject line "Formal Notice – Terms & Conditions" and include your registered account email address, the nature of your query, and all supporting documentation. winhub will acknowledge receipt within 48 hours and provide a substantive response within five (5) business days.