Terms & Conditions — cowins

For the purposes of these Terms, the following definitions shall apply wherever the capitalized terms appear:

2.1   By accessing, registering on, or using the cowins platform in any manner, you unconditionally accept these Terms in full. Your acceptance creates a binding legal agreement between you and cowins with effect from the date of your first access.

2.2   These Terms apply to all activities conducted through your cowins Account, including but not limited to: making deposits, placing wagers, claiming bonuses, requesting withdrawals, and communicating with cowins customer support.

2.3   These Terms are to be read in conjunction with the cowins Privacy Policy and any game-specific or promotion-specific rules that cowins may publish from time to time. In the event of any conflict between these Terms and game-specific rules, these Terms shall prevail unless a specific exception is expressly stated.

2.4   If you are accessing cowins on behalf of any third party or commercial entity, you represent and warrant that you have full authority to bind that entity to these Terms, and the entity shall be jointly liable for any breach hereof.

3.1   To be eligible to register and maintain a cowins Account, you must satisfy all of the following conditions at all times:

• You are a natural person aged 21 years or older;
• You are located in a jurisdiction where online gaming is not prohibited by applicable law;
• You are acting on your own behalf and not on behalf of any other person;
• You are not a current employee, contractor, director, or immediate family member of an employee of cowins or any of its affiliated entities;
• You are not currently subject to a self-exclusion order on the cowins platform;
• You have not been previously banned or suspended from cowins for any reason.

3.2   cowins reserves the right to request age and identity verification documentation at any point during the lifecycle of an Account. Failure to provide satisfactory documentation within a reasonable timeframe will result in suspension of the Account and freezing of the associated Balance pending investigation.

3.3   Any Account found to have been registered by an individual under 21 years of age will be immediately closed. Real-money deposits made by such individual will be returned to the source payment method, net of any winnings derived from gameplay. cowins will report such instances to the relevant regulatory authority as required under Applicable Regulations.

4.1   Each individual is permitted to maintain only one (1) registered cowins Account. The creation of multiple Accounts by the same individual ("duplicate accounts") is strictly prohibited and will result in the permanent closure of all associated Accounts and the forfeiture of any Bonus Funds therein.

4.2   You must provide accurate, complete, and current information during registration, including your legal full name, date of birth, residential address, and contact details. Providing false, incomplete, or misleading registration information constitutes a material breach of these Terms.

4.3   You are solely responsible for maintaining the confidentiality of your Account login credentials, including your username and password. cowins will not be liable for any loss arising from unauthorized access to your Account resulting from your failure to keep your credentials secure.

4.4   You must notify cowins immediately via [email protected] if you suspect unauthorized access to your Account, discover a security breach affecting your credentials, or become aware of any suspicious activity within your Account.

4.5   cowins reserves the right to verify the identity of any Account holder at any time by requesting government-issued identification documents acceptable in the Philippines, such as a UMID, PhilSys National ID, driver's license, or passport. Accounts that fail verification may be suspended or closed at cowins's discretion.

5.1   cowins accepts deposits through the following payment methods available in the Philippines: GCash, Maya, BPI, BDO, Metrobank, Coins.ph, and USDT. Available payment methods may be updated from time to time at cowins's discretion.

5.2   All deposits must be made from a payment account held in your own name. cowins does not accept deposits from third-party payment accounts. Any deposit identified as originating from a third-party account will be returned and may trigger an Account investigation.

5.3   All monetary transactions on the cowins platform are denominated in Philippine Peso (₱). Any currency conversion required by your payment provider is conducted at that provider's prevailing exchange rate, and associated conversion fees, if any, are your sole responsibility.

5.4   Minimum and maximum deposit limits apply to each payment method and are displayed at the time of transaction. cowins reserves the right to modify these limits with reasonable prior notice.

5.5   Deposits credited to your Balance are not eligible for interest. cowins holds Player funds in accordance with applicable regulatory requirements but does not pay interest on Account balances under any circumstances.

6.1   Withdrawal requests may be submitted at any time from the Account dashboard, subject to the conditions set forth in this Section 6. cowins aims to process all verified withdrawal requests within one (1) business day of approval.

6.2   Before any withdrawal is approved, the requesting Account must have completed the cowins KYC process, including submission and verification of a valid government-issued photo identification document and proof of payment method ownership.

6.3   Withdrawals will be remitted exclusively to the payment method used to make the most recent deposit on the Account, or to a verified payment account in the Account holder's own name. cowins does not process withdrawals to third-party accounts under any circumstances.

6.4   cowins reserves the right to require additional documentary verification, to impose a temporary withdrawal hold for security or compliance review, or to decline a withdrawal request where reasonable grounds for concern exist, including but not limited to suspected fraud, money laundering, or breach of these Terms.

6.5   Any Bonus Funds in an Account's Balance that have not met applicable Wagering Requirements are not eligible for withdrawal. cowins may void non-compliant withdrawal requests and adjust the Account Balance accordingly.

6.6   Processing times quoted by cowins are estimates and are subject to the operational timelines of your chosen payment provider. cowins accepts no liability for delays attributable to third-party payment processors.

7.1   cowins may offer Welcome Bonuses, Reload Bonuses, Cashback promotions, Free Spins, and other promotional incentives to Players at its sole discretion. All such offers are subject to availability, eligibility requirements, and individual promotion terms.

7.2   Unless otherwise specified in the promotion terms, Bonus Funds are subject to a wagering requirement that must be met before any associated winnings are converted to real-money funds eligible for withdrawal. Wagering requirements are calculated based on the Bonus amount credited, unless stated otherwise.

7.3   Bonus offers are available to eligible Players only. cowins reserves the right to verify eligibility before crediting any bonus and to withdraw a bonus if the eligibility conditions are found to have not been met at the time of claiming.

7.4   Bonus Funds and any winnings derived from Free Spins or Bonus play are subject to maximum withdrawal limits unless the specific promotion expressly states otherwise.

7.5   Any attempt to abuse promotional offers — including but not limited to creating duplicate Accounts to claim bonuses multiple times, coordinating with other Players to exploit bonus terms, or making deposits and withdrawals without genuine gameplay intent — will result in forfeiture of all Bonus Funds, potential suspension of the Account, and recovery of any amounts improperly obtained.

8.1   All games available on cowins — including slots, live casino games, bingo, virtual racing, and the Midas Fortune game — are governed by their respective game rules, which are displayed within each game interface. By participating in any game, you acknowledge that you have read and understood its specific rules.

8.2   cowins uses certified Random Number Generator (RNG) technology in all applicable games and partners exclusively with game providers whose titles have been independently audited for fairness and randomness. Live dealer games operate with physical cards and equipment under CCTV monitoring, providing an additional layer of transparency.

8.3   In the event of a technical malfunction, server error, disconnection, or any other technical failure that disrupts the completion of a game round, cowins will endeavor to reconstruct the outcome using available game logs. If reconstruction is not possible, the affected wager will be voided and returned to the Player's Balance. cowins's decision in such matters is final.

8.4   Minimum and maximum bet limits apply per game and per table, as displayed within the game interface. cowins reserves the right to modify bet limits at any time with reasonable notice.

8.5   Winnings from gameplay are credited to your cowins Account Balance immediately upon the conclusion of each game round or event. cowins does not guarantee specific outcomes, jackpot frequencies, or return-to-player percentages on any given session.

9.1   The following conduct is strictly prohibited on the cowins platform and constitutes a material breach of these Terms:

• Accessing or using cowins from a jurisdiction where online gaming is prohibited by law;
• Registering or maintaining more than one Account on cowins;
• Providing false, inaccurate, or misleading personal information during registration or KYC;
• Using automated software, bots, scripts, artificial intelligence tools, or any other non-human means to interact with cowins games or Account features;
• Colluding with other Players during live table games or any game format where collusion is possible;
• Engaging in or facilitating money laundering, fraud, or any other illegal financial activity through the cowins platform;
• Exploiting software bugs, glitches, or errors in any game or platform feature for financial gain;
• Attempting to reverse-engineer, decompile, or interfere with the cowins platform's software, security systems, or infrastructure;
• Using the platform on behalf of any third party without express written authorization from cowins;
• Engaging in chargebacks or payment disputes in bad faith after legitimate gameplay has occurred.

9.2   cowins employs advanced fraud detection and monitoring tools across all Account activity. Any Account identified as engaging in prohibited conduct will be subject to immediate suspension pending investigation, with potential permanent closure and forfeiture of Balance.

10.1   cowins reserves the right to suspend, restrict, or permanently close any Account at its sole discretion, including but not limited to instances where:

• A breach of these Terms has occurred or is reasonably suspected;
• A Player has failed to complete KYC verification within a reasonable period;
• cowins is required to do so by a regulatory authority, court order, or applicable law;
• Fraudulent activity, money laundering, or other criminal conduct is suspected;
• A Player's Account poses a compliance, reputational, or financial risk to cowins.

10.2   A Player may voluntarily close their cowins Account at any time by submitting a closure request to [email protected]. Any real-money Balance remaining in the Account at the time of closure will be returned to the Player's verified payment method, net of pending wagers and subject to applicable withdrawal conditions.

10.3   Upon closure of an Account for breach of these Terms, cowins reserves the right to withhold any Balance that is reasonably attributable to the breach, including winnings derived from bonus abuse or prohibited conduct.

11.1   cowins provides the following responsible gaming tools to all Account holders, accessible directly from the Account dashboard without requiring contact with support:

• Deposit Limits — self-imposed daily, weekly, or monthly caps on the total amount a Player may deposit;
• Loss Limits — caps on the maximum net loss a Player may incur in a given period;
• Session Time Limits — reminders and automatic session terminations after a set duration of continuous play;
• Reality Check Notifications — periodic pop-up notifications displaying the Player's net result for the current session;
• Cooling-Off Period — a temporary restriction on Account access for a Player-defined period;
• Self-Exclusion — permanent or extended restriction from the cowins platform for Players who wish to stop gambling entirely.

11.2   Self-exclusion requests submitted to cowins take effect within 24 hours and remain in force for the duration specified by the Player. During a self-exclusion period, cowins will take reasonable steps to prevent the excluded individual from accessing the platform and will not send promotional communications to the excluded account.

11.3   cowins is committed to compliance with applicable Philippine gaming regulations concerning responsible gaming and cooperates with PAGCOR's responsible gaming frameworks and any applicable national self-exclusion registry.

12.1   All intellectual property rights in and to the cowins platform — including but not limited to the cowins name, logo, brand identity, software, game interfaces, website design, content, and marketing materials — are owned by or licensed to cowins and are protected under applicable intellectual property laws.

12.2   Your use of the cowins platform does not grant you any ownership interest or license in cowins's intellectual property beyond the limited, non-exclusive, non-transferable right to access and use the platform for personal, non-commercial gaming purposes in accordance with these Terms.

12.3   You may not reproduce, distribute, modify, publicly display, or create derivative works from any cowins content without prior written authorization from cowins. Any unauthorized use of cowins intellectual property will be subject to legal action.

13.1   To the maximum extent permitted by applicable Philippine law, cowins shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of the cowins platform, including loss of profits, loss of data, loss of opportunity, or any other economic loss.

13.2   cowins does not warrant that the platform will be available without interruption, that it will be free of errors, or that any technical issues will be resolved within a specific timeframe. The platform is provided on an "as available" basis.

13.3   Nothing in these Terms limits cowins's liability in cases of fraud, willful misconduct, death, or personal injury caused by cowins's negligence, or any other liability that cannot be excluded under applicable Philippine law.

13.4   You acknowledge and accept that gambling involves financial risk and that you may lose all funds deposited into your cowins Account through gameplay. cowins is not responsible for gaming losses incurred through lawful gameplay in accordance with these Terms.

14.1   The collection, use, storage, and processing of your personal data by cowins is governed by the cowins Privacy Policy, which forms an integral part of this Agreement. By accepting these Terms, you also acknowledge and consent to the data practices described in the Privacy Policy.

14.2   cowins collects personal data for the purposes of account management, KYC compliance, fraud prevention, regulatory reporting, and the provision of platform services. cowins does not sell personal data to third parties for commercial marketing purposes.

14.3   cowins may be required to disclose Account information and transaction records to regulatory authorities, law enforcement agencies, or financial crime prevention bodies as required under applicable Philippine law.

15.1   cowins reserves the right to amend, update, or replace these Terms at any time. Where amendments are material, cowins will notify registered Players via the email address associated with their Account or through a prominent notice on the cowins platform prior to the changes taking effect.

15.2   Your continued use of the cowins platform following the effective date of any amended Terms constitutes your acceptance of those amendments. If you do not accept the amended Terms, you must cease using the platform and may request Account closure in accordance with Section 10.2.

15.3   The version of these Terms in effect at the time of any dispute shall govern the resolution of that dispute, unless a subsequent version expressly applies retroactively.

16.1   These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of laws principles.

16.2   In the event of any dispute, controversy, or claim arising out of or relating to these Terms or your use of the cowins platform, the parties agree to first attempt to resolve the matter through good-faith negotiation. Players are encouraged to contact cowins at [email protected] in the first instance.

16.3   If a dispute cannot be resolved through negotiation within 30 days, either party may submit the matter to the exclusive jurisdiction of the competent courts of the Philippines.

16.4   Notwithstanding the foregoing, cowins reserves the right to seek injunctive or other equitable relief in any jurisdiction to prevent or curtail any actual or threatened breach of these Terms.

17.1   If you have questions, concerns, or complaints regarding these Terms, or if you wish to exercise any of your rights as a cowins Account holder, please contact the cowins customer support team using the details below:

17.2   For responsible gaming concerns, including self-exclusion requests, please mark your email subject line as "RESPONSIBLE GAMING REQUEST" to ensure immediate priority routing to the appropriate cowins team member.