These Terms & Conditions govern your access to and use of the panako online gaming platform. Please read them carefully before registering or placing any wagers.
These cards summarize the most important aspects of the panako Terms & Conditions. They do not replace the full legal text below.
You must be at least 21 years old to register and use panako. This is a strict requirement under Philippine gaming regulations. Age verification is mandatory and non-negotiable.
Each player is permitted to hold only one panako account. Duplicate accounts are strictly prohibited and will result in the suspension of all associated accounts and forfeiture of balances.
All deposits, wagers, and withdrawals on panako are conducted in Philippine Peso (PHP / ₱). No currency conversion fees are charged by panako on standard transactions.
All bonuses and promotions offered by panako are subject to specific wagering requirements and validity periods. Bonus terms are published clearly alongside each offer and must be read before claiming.
You are responsible for maintaining the confidentiality of your panako login credentials. panako will not be liable for losses resulting from unauthorized access caused by your failure to secure your account details.
Fraud, collusion, use of automated betting software, and any attempt to exploit technical errors are strictly prohibited. panako reserves the right to void bets and close accounts where prohibited conduct is detected.
By accessing, registering on, or using the panako platform in any capacity, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety. If you do not agree with any part of these Terms, you must immediately cease using the panako platform.
For the purposes of these Terms & Conditions, the following definitions apply:
2.1 These Terms & Conditions constitute a legally binding agreement between you and panako. By creating an Account, making a deposit, or placing a Wager on the Platform, you unconditionally accept these Terms in full.
2.2 These Terms should be read in conjunction with the panako Privacy Policy and Responsible Gaming Policy, both of which are incorporated herein by reference and form part of the overall agreement between you and panako.
2.3 panako reserves the right to amend these Terms at any time. Continued use of the Platform following the publication of any amendments constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
2.4 If you are accessing the panako Platform on behalf of another person or entity, you represent and warrant that you have the authority to bind that person or entity to these Terms.
3.1 The panako Platform is strictly available to individuals who are at least twenty-one (21) years of age. This age requirement is consistent with applicable Philippine gaming regulations and is non-negotiable under any circumstances.
3.2 By registering an Account, you represent and warrant that you are at least 21 years old. panako reserves the right to request documentary proof of age at any time and to suspend or close any Account where the age requirement cannot be verified.
3.3 The Platform is intended for use by residents of the Philippines. It is your sole responsibility to ensure that your use of the panako Platform complies with all laws and regulations applicable in your jurisdiction.
3.4 Employees, contractors, directors, and officers of panako, as well as their immediate family members, are not eligible to hold a Player Account or participate in real-money gaming on the Platform.
Individuals who have voluntarily self-excluded from the panako Platform are not eligible to register a new Account or access the Platform during the self-exclusion period. Attempting to circumvent a self-exclusion is a serious breach of these Terms.
4.1 To access real-money gaming features on panako, you must complete the registration process and create an Account. You agree to provide accurate, current, and complete information during registration and to update that information promptly if it changes.
4.2 Each individual is permitted to hold only one (1) panako Account. The creation of multiple Accounts by a single individual — whether using the same or different personal details — is strictly prohibited. panako reserves the right to close all duplicate Accounts and to forfeit any balances held therein.
4.3 As part of the KYC process, panako may require you to submit one or more of the following documents: a valid government-issued photo ID (such as a Philippine passport, SSS ID, UMID, driver's license, or PhilSys national ID), proof of address, and proof of payment method ownership. Failure to complete KYC verification may result in restrictions on deposits, withdrawals, or gameplay.
4.4 You are solely responsible for maintaining the confidentiality of your Account login credentials, including your username and password. You must not share your login details with any third party. panako will not be liable for any losses arising from unauthorized access to your Account resulting from your failure to keep your credentials secure.
4.5 You must notify panako immediately if you suspect that your Account has been accessed without your authorization. panako's support team is available 24 hours a day, 7 days a week to assist with account security concerns.
5.1 All financial transactions on the panako Platform are conducted in Philippine Peso (PHP / ₱). panako does not charge fees on standard deposits or withdrawals; however, your payment provider may apply its own transaction fees, for which panako bears no responsibility.
5.2 panako supports the following payment methods for deposits and withdrawals: GCash, PayMaya, BPI online banking, BDO online banking, and Metrobank online banking. The availability of specific payment methods may vary and is subject to change without prior notice.
5.3 The minimum deposit amount on panako is ₱100. Minimum and maximum withdrawal amounts are published in the Platform's banking section and are subject to periodic review.
5.4 Withdrawals will only be processed to a payment method that has been verified as belonging to the Account holder. panako does not process withdrawals to third-party accounts under any circumstances.
5.5 panako reserves the right to delay or withhold withdrawal processing pending the completion of KYC verification, security checks, or investigation of suspected fraudulent activity. Players will be notified of any such delays through their registered contact details.
5.6 Funds deposited into your panako Account must not originate from illegal sources. By making a deposit, you represent and warrant that all funds are legitimately owned by you and are free from any encumbrance or legal restriction.
6.1 panako may from time to time offer bonuses, free bets, cashback promotions, and other incentives to Players. All such offers are subject to specific terms and wagering requirements that are published alongside each promotion.
6.2 Bonus Funds are credited to a separate bonus balance and are subject to wagering requirements before they may be converted to withdrawable real-money funds. The applicable wagering multiplier and eligible games are specified in each promotion's individual terms.
6.3 panako reserves the right to withdraw, modify, or cancel any bonus or promotion at any time without prior notice. Where a bonus has already been credited to a Player's Account, the terms applicable at the time of crediting shall continue to apply.
6.4 Bonuses are intended for personal recreational use only. Any attempt to exploit bonus structures through systematic wagering strategies, collusion, or the use of multiple Accounts will be treated as a breach of these Terms and may result in the forfeiture of bonus funds and the closure of the Account.
6.5 panako reserves the right to limit the eligibility of specific Players for particular promotions at its sole discretion.
7.1 All games available on the panako Platform are governed by individual game rules, which are accessible within each game interface. In the event of any conflict between these Terms and the individual game rules, the individual game rules shall prevail with respect to gameplay matters.
7.2 All games on panako use certified random number generator (RNG) technology that has been independently audited for fairness. The outcome of each game round is determined solely by the RNG and is not influenced by any external factor.
7.3 In the event of a technical malfunction, disconnection, or system error during gameplay, panako will make reasonable efforts to reconstruct the game state from server logs. Where reconstruction is not possible, the affected Wager may be voided and the staked amount returned to the Player's Account.
7.4 panako reserves the right to void any Wager that was placed in error, placed on an event with an obvious pricing error, or placed in circumstances that suggest exploitation of a technical fault.
8.1 The following conduct is strictly prohibited on the panako Platform and constitutes a material breach of these Terms:
8.2 Where panako determines, in its sole discretion, that a Player has engaged in prohibited conduct, panako reserves the right to immediately suspend or permanently close the Account, void all pending and historical Wagers placed in connection with the prohibited conduct, forfeit any Account Balance, and pursue legal remedies where applicable.
9.1 panako is committed to promoting responsible gaming and providing tools that help Players maintain control over their gaming activity. panako offers deposit limits, session time reminders, cooling-off periods, and self-exclusion options, all of which are accessible directly from the Account settings.
9.2 Self-exclusion is a voluntary measure that allows a Player to restrict access to their panako Account for a defined period. Once a self-exclusion is activated, it cannot be reversed before the exclusion period expires. Players who have self-excluded must not attempt to register new Accounts or circumvent the exclusion in any way.
9.3 panako strongly encourages any Player who believes their gaming may be causing harm to themselves or others to make use of the available responsible gaming tools and to seek professional support. Further information is available on the panako Responsible Gaming page.
9.4 The 21+ age restriction is strictly enforced. panako will not knowingly permit any individual under the age of 21 to register an Account or participate in real-money gaming on the Platform.
10.1 All content on the panako Platform, including but not limited to text, graphics, logos, game interfaces, software, and audiovisual materials, is the property of panako or its licensors and is protected by applicable intellectual property laws.
10.2 You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the panako Platform for personal, non-commercial recreational purposes only. This license does not permit you to copy, reproduce, distribute, modify, or create derivative works from any Platform content without the prior written consent of panako.
10.3 The panako name, logo, and all associated brand elements are trademarks of panako. Unauthorized use of these trademarks is strictly prohibited.
11.1 The panako Platform is provided on an "as is" and "as available" basis. panako makes no warranties, express or implied, regarding the uninterrupted availability, accuracy, or fitness for purpose of the Platform or any of its content.
11.2 To the fullest extent permitted by applicable law, panako shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform, including but not limited to loss of winnings, loss of data, or loss of profits.
11.3 panako's total aggregate liability to any Player in connection with these Terms shall not exceed the total amount deposited by that Player into their panako Account in the thirty (30) days immediately preceding the event giving rise to the claim.
11.4 Nothing in these Terms shall limit or exclude panako's liability for fraud, gross negligence, or any other liability that cannot be excluded or limited under applicable Philippine law.
12.1 panako collects, processes, and stores personal data in accordance with its Privacy Policy, which is available at panako.org/privacy-policy. By using the Platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.
12.2 panako implements industry-standard security measures, including 256-bit SSL encryption, to protect Player data from unauthorized access, disclosure, or misuse. However, no data transmission over the internet can be guaranteed to be completely secure, and panako cannot warrant the absolute security of information transmitted to or from the Platform.
13.1 panako reserves the right to amend, update, or replace these Terms & Conditions at any time. Where changes are material, panako will endeavor to provide reasonable notice to Players via the Platform or by email to the registered address on file.
13.2 The most current version of these Terms will always be accessible at panako.org/terms-conditions. The effective date displayed at the top of this page indicates when the current version came into force.
13.3 Your continued use of the panako Platform after any amendment to these Terms constitutes your acceptance of the revised Terms. If you do not agree with any amendment, you must cease using the Platform and may request the closure of your Account.
14.1 These Terms & 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.
14.2 Any dispute, controversy, or claim arising out of or in connection with these Terms, or the breach, termination, or invalidity thereof, shall first be submitted to panako's customer support team for informal resolution. panako will endeavor to resolve all disputes within a reasonable timeframe.
14.3 Where informal resolution is not achieved, disputes shall be subject to the exclusive jurisdiction of the competent courts of the Republic of the Philippines.
14.4 Notwithstanding the foregoing, panako reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or to prevent irreparable harm.
15.1 If you have any questions, concerns, or complaints regarding these Terms & Conditions, or any aspect of the panako Platform, please contact the panako support team. Our support staff are available 24 hours a day, 7 days a week.
15.2 You may reach panako by email at: [email protected]
15.3 For responsible gaming concerns specifically, please visit the Responsible Gaming page for dedicated resources and support tools.
These Terms & Conditions were last reviewed and updated on 1 January 2026. panako is committed to maintaining clear, fair, and transparent terms for all Filipino players on the Platform.
Now that you know the rules, it is time to enjoy the games. Sign in to your panako account and explore hundreds of slots, live table games, bingo, and more — all in Philippine Peso.
Must be 21 years or older. Please play responsibly.