Terms and Conditions That Apply to Your Account

Your account with panalotto is personal and non-transferable. You are responsible for keeping your login credentials secure — if you share access or let someone else use your account, any resulting activity falls under your responsibility. Deposits made through GCash, Maya, or InstaPay are credited to

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   your account wallet once the payment rail confirms the transaction. Withdrawals follow a verification step: your account name must match the registered e-wallet name on your GCash or Maya profile before a cash-out is processed. We reserve the right to request identity documents before releasing funds.

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   Any attempt to use the platform in a way that violates local law in the Philippines — or to open multiple accounts to circumvent restrictions — may result in account suspension. Bonuses and promotional credits are subject to their own specific conditions, which are published separately

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   and form part of these Terms. We may update these Terms at any time; the revised version takes effect as soon as it is posted. Continued use of your account after a change is posted counts as acceptance. If you disagree with an update, stop using

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   the platform and contact support to close your account. Access to panalotto and eligibility to hold an account depends on local law and applies only where permitted.

Service availability depends on eligible regions and local law. Philippine online gaming is regulated, so check local rules before opening an account. 21+ where applicable.