Terms & Conditions

1 Definitions and Interpretation

For the purposes of these Terms and Conditions, the following definitions shall apply unless the context requires otherwise:

• "Account" means the personal gaming account registered by the User on the luubet platform, accessible through unique login credentials.
• "Bet" or "Wager" means any stake placed by the User on games, sporting events, or other offerings available on the platform.
• "Bonus" means promotional credits, free spins, cashback, or other incentives offered by luubet subject to specific terms and wagering requirements.
• "Deposit" means the transfer of funds from the User to their luubet Account using approved payment methods including but not limited to GCash, PayMaya, bank transfer, or cryptocurrency.
• "Games" means all casino games, slots, fishing games, bingo, live dealer tables, and other gaming products available on the platform.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the regulatory authority governing legal gaming operations in the Philippines.
• "Platform" or "Website" means luubet.cam and all associated mobile applications, software, and interfaces through which Services are provided.
• "Services" means all gaming, betting, and ancillary services provided by luubet through the Platform.
• "Withdrawal" means the transfer of funds from the User's Account to their designated payment method following a payout request.

2 Licensing and Regulatory Compliance

luubet operates under a valid license issued by the Philippine Amusement and Gaming Corporation (PAGCOR), the sole regulatory authority for legal gaming operations within the Republic of the Philippines. Our PAGCOR license authorizes us to offer online casino games, sports betting, and related gaming services to players residing in jurisdictions where such activities are lawful.

All gaming operations, financial transactions, and data protection measures implemented by luubet comply with PAGCOR regulations, Philippine gaming laws, and international standards for responsible gambling and anti-money laundering (AML) protocols. Users acknowledge that it is their sole responsibility to ensure that their participation in gaming activities through luubet is lawful in their jurisdiction of residence.

3 Eligibility Requirements

To register an Account and use luubet Services, you must satisfy all of the following eligibility criteria:

• You must be at least twenty-one (21) years of age at the time of registration. luubet strictly prohibits minors from accessing or using the Platform. We reserve the right to request proof of age at any time, and failure to provide satisfactory documentation may result in immediate Account suspension and forfeiture of funds.
• You must be a legal resident of the Philippines or a jurisdiction where participation in online gaming is lawful. You represent and warrant that your use of luubet Services does not violate any law, regulation, or ordinance applicable to you.
• You must register the Account in your own name using accurate, current, and complete information. Accounts registered under false names, using another person's identity, or containing fraudulent information will be terminated immediately.
• You must not be currently self-excluded from gambling activities, prohibited from gaming by court order, or otherwise legally restricted from participating in online gaming activities.
• You must not be an employee, contractor, affiliate, or family member of an employee of luubet or any of its related corporate entities, unless express written authorization has been granted.
• You must have the legal capacity to enter into binding contracts under Philippine law and the law of your jurisdiction of residence.

By registering an Account, you represent and warrant that you meet all eligibility requirements. luubet reserves the right to verify your eligibility at any time and to suspend or terminate your Account if any representation is found to be false or misleading.

4 Account Registration and Security

4.1 Account Creation

To access luubet Services, you must complete the registration process by providing accurate personal information including but not limited to your full legal name, date of birth, residential address, email address, phone number, and preferred payment method details. You agree to provide truthful information and to update such information promptly should any changes occur.

4.2 One Account Per Person

Each User is permitted to hold only one (1) active Account on the luubet platform. Creating multiple accounts, duplicate accounts, or accounts using different identities constitutes a material breach of these Terms and may result in closure of all associated accounts and forfeiture of all funds and bonuses. luubet employs sophisticated fraud detection systems to identify duplicate accounts.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your Account login credentials (username and password). You must not share your login information with any third party. Any activity conducted through your Account will be deemed to have been authorized by you, and you will be liable for all transactions, bets, and withdrawals made using your credentials.

You agree to:

• Choose a strong, unique password that is not used for other online services.
• Enable two-factor authentication (2FA) if available.
• Immediately notify luubet Customer Support if you suspect unauthorized access to your Account.
• Log out from your Account after each gaming session, particularly when using shared or public devices.

luubet will not be liable for any loss or damage arising from unauthorized use of your Account due to your failure to maintain adequate security measures.

4.4 Verification Process (KYC)

To comply with anti-money laundering regulations and responsible gaming obligations, luubet requires all Users to complete Know Your Customer (KYC) verification. You may be required to submit government-issued identification (valid Philippine ID, passport, driver's license), proof of address (utility bill, bank statement), and proof of payment method ownership. Failure to complete KYC verification within the stipulated timeframe may result in restrictions on withdrawals and, in some cases, Account suspension.

5 Deposits and Withdrawals

5.1 Deposits

luubet supports multiple deposit methods tailored to Filipino users, including GCash, PayMaya, bank transfers (BPI, BDO, UnionBank, and other major Philippine banks), 7-Eleven cash deposits, and cryptocurrency (USDT). The minimum deposit amount is ₱100 unless otherwise specified for particular payment methods. Deposits are typically processed instantly, though processing times may vary depending on the payment provider.

You acknowledge and agree that:

• All deposits must originate from a payment source registered in your own name. Third-party deposits are strictly prohibited.
• luubet reserves the right to refuse or reverse deposits that appear suspicious or violate these Terms.
• Payment processing fees, if any, will be clearly disclosed before you confirm a deposit transaction.
• Deposited funds may be subject to anti-money laundering verification before being available for withdrawal.

5.2 Withdrawals

You may request withdrawals of funds from your Account balance at any time, subject to completion of KYC verification and compliance with these Terms. Withdrawal requests are typically processed within 24 hours, though processing times may extend to 72 hours during periods of high volume or if additional verification is required.

Withdrawal conditions:

• Withdrawals must be made to a payment method registered in your name and verified through KYC.
• Bonus funds and associated winnings must meet wagering requirements before becoming eligible for withdrawal.
• luubet reserves the right to request additional verification documents before processing large withdrawals.
• For anti-money laundering compliance, you must wager deposited funds at least once before withdrawal requests are processed.

6 Bonuses and Promotions

luubet offers various bonuses and promotional incentives to enhance your gaming experience, including welcome bonuses, reload bonuses, cashback offers, free spins, and VIP rewards. All bonuses are subject to specific terms and conditions, including wagering requirements, game restrictions, maximum bet limits, and validity periods.

6.1 General Bonus Terms

• Each bonus has specific eligibility criteria, wagering requirements, and expiration dates as stated in the promotional terms.
• Wagering requirements specify how many times bonus funds must be wagered before associated winnings become withdrawable (e.g., 30x wagering means a ₱1,000 bonus requires ₱30,000 in total bets).
• Not all games contribute equally to wagering requirements. Slots typically contribute 100%, while table games and certain game types may contribute less or be excluded entirely.
• Bonuses cannot be combined unless explicitly stated in promotional terms.
• luubet reserves the right to modify, suspend, or cancel any promotion at any time without prior notice.
• Bonus abuse, including creating multiple accounts to claim bonuses repeatedly, will result in immediate forfeiture of bonuses and potential Account termination.

6.2 Wagering and Withdrawal Restrictions

While bonus funds and wagering requirements are active on your Account, maximum bet limits apply (typically ₱50-₱100 per spin or hand). Exceeding maximum bet limits while a bonus is active constitutes a breach and may void the bonus and all associated winnings. Withdrawal requests made before wagering requirements are met will result in forfeiture of the bonus and any winnings derived from it.

7 Game Rules and Conduct

All games offered on the luubet platform operate according to their specific rules, paytables, and Return to Player (RTP) percentages, which are published within each game's information section. You are responsible for understanding the rules of any game before placing bets.

7.1 Fair Gaming Policy

luubet is committed to fair gaming. All slot games, table games, and RNG-based games use certified Random Number Generators (RNG) that are regularly audited by independent testing agencies to ensure fairness and randomness. Live dealer games are conducted in real-time with physical cards, wheels, and dice, and are subject to continuous video monitoring.

7.2 Prohibited Activities

The following activities are strictly prohibited and constitute material breaches of these Terms:

• Using bots, automation software, or any artificial intelligence to play games or place bets.
• Colluding with other players to gain unfair advantage, particularly in poker and live dealer games.
• Exploiting software vulnerabilities, game glitches, or errors to gain advantage or unfair winnings.
• Engaging in fraudulent activities including but not limited to bonus abuse, chargebacks, identity theft, or money laundering.
• Using VPNs, proxies, or other tools to mask your location or access the platform from restricted jurisdictions.
• Reverse engineering, decompiling, or attempting to access the source code of any game or platform software.

Violation of these prohibitions will result in immediate Account suspension, forfeiture of all funds (including deposits and winnings), and potential legal action. luubet cooperates fully with law enforcement authorities in cases of suspected criminal activity.

8 Responsible Gaming

luubet is committed to promoting responsible gaming and providing tools to help you maintain control over your gambling activities. We encourage you to view gaming as entertainment, not as a means of income generation, and to gamble only with funds you can afford to lose.

If you are concerned about your gambling behavior or that of someone you know, please contact organizations that specialize in gambling addiction support. luubet recommends the following resources:

• PAGCOR Responsible Gaming Program: Information and support resources for Philippine residents.
• National Center for Mental Health (NCMH): Professional counseling services available for Filipino citizens.
• Gambling Anonymous Philippines: Community support groups for individuals struggling with gambling problems.

9 Limitation of Liability

To the fullest extent permitted by applicable law, luubet, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of or inability to access or use the Services;
• Any conduct or content of any third party on the Services;
• Any content obtained from the Services;
• Unauthorized access, use, or alteration of your transmissions or content;
• Technical failures, including but not limited to server downtime, internet connectivity issues, or software malfunctions;
• Errors in game calculations, RNG malfunctions, or incorrect payout amounts;
• Delays or failures in processing deposits or withdrawals due to third-party payment processor issues.

In no event shall luubet's total liability to you for all damages, losses, or causes of action exceed the amount you have deposited into your Account during the six (6) months immediately preceding the event giving rise to the claim.

10 Dispute Resolution and Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be resolved through the following process:

10.1 Internal Complaints Procedure

If you have a complaint or dispute regarding any aspect of the Services, you must first contact luubet Customer Support in writing via email at [email protected]. We will acknowledge your complaint within 48 hours and provide a substantive response within 14 days. You must provide all relevant details, including your Account username, transaction IDs, screenshots, and a clear description of the issue.

10.2 PAGCOR Mediation

If your complaint is not resolved to your satisfaction through internal procedures, you may escalate the matter to PAGCOR's complaint resolution mechanism. PAGCOR provides independent mediation services for disputes between licensed operators and players.

10.3 Arbitration

Any disputes that cannot be resolved through internal procedures or PAGCOR mediation shall be finally settled by binding arbitration under the Philippine Dispute Resolution Center, Inc. (PDRCI) Arbitration Rules. The arbitration shall be conducted in English in Metro Manila, Philippines, by a single arbitrator agreed upon by both parties or, failing agreement, appointed by PDRCI. The decision of the arbitrator shall be final and binding on both parties.

11 Modifications to Terms

luubet reserves the right to modify, amend, or update these Terms and Conditions at any time at our sole discretion. Material changes will be communicated to Users via email notification, prominent notice on the Website, or in-platform notification. Your continued use of the Services following notification of changes constitutes your acceptance of such modifications.

We recommend reviewing these Terms periodically to stay informed of any updates. The "Last Updated" date at the top of this document indicates when the most recent revision was published. If you do not agree with modified Terms, you must immediately cease using the Services and close your Account.