Terms & Conditions — 45jl Casino

In these Terms & Conditions, the following definitions apply unless the context requires otherwise:

• "45jl", "the Platform", "we", "us", "our" refers to the operator of the website at 45jl.cam and all associated services, games, and applications provided thereunder.
• "Player", "you", "your" refers to any individual who has registered an account on the 45jl platform or who accesses any part of the 45jl website.
• "Account" means the registered player account created on the 45jl platform, including the associated wallet balance, transaction history, and account settings.
• "Games" refers to all casino games, live dealer tables, slot titles, bingo rooms, sports betting markets, arcade titles, and any other wagering products accessible through the 45jl platform.
• "Bonus Funds" means any promotional credits, free spins, cashback amounts, or other non-cash incentives granted to a player's account under an active promotion.
• "Real Money Balance" means funds deposited by the player from verified payment methods including GCash, Maya, BPI, BDO, UnionBank, Metrobank, 7-Eleven Cliqq, USDT TRC20, or Coins.ph.
• "KYC" or "Know Your Customer" refers to the identity verification process required under Philippine anti-money laundering regulations, including the submission of a government-issued ID and proof of payment method ownership.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the regulatory body overseeing gaming operations in the Philippines.

By accessing the 45jl website, creating an account, or placing any wager on the platform, you unconditionally agree to be legally bound by these Terms & Conditions, together with the 45jl Privacy Policy, Responsible Gaming Policy, and any additional rules specific to individual games or promotions as published on the platform from time to time.

If you do not agree with any part of these Terms & Conditions, you must immediately cease use of the 45jl platform and close your account by contacting support.

To register and maintain an account on the 45jl platform, you must satisfy all of the following eligibility criteria at all times:

• You are at least 21 years of age. This is the minimum legal age for participation in casino-style gambling in the Philippines under PAGCOR regulations.
• You are acting on your own behalf and not as an agent for, or on behalf of, any third party.
• You are not listed on any self-exclusion register maintained by PAGCOR or any other gaming regulatory authority.
• You are not accessing the platform from a jurisdiction where online gambling is prohibited by law.
• You are not an employee, director, contractor, or immediate family member of 45jl or any of its affiliated game providers.
• You have not previously had a 45jl account closed for breach of these Terms & Conditions.

Each player may register and maintain only one (1) active account on the 45jl platform. Registration of multiple accounts — whether under the same or different names, mobile numbers, email addresses, or payment methods — is a material breach of these Terms & Conditions and will result in the permanent closure of all associated accounts, forfeiture of balances, and potential reporting to relevant authorities.

You are solely responsible for maintaining the confidentiality of your account credentials, including your username, password, and any two-factor authentication codes. 45jl will not be liable for any loss resulting from unauthorised access to your account that occurs due to your failure to maintain credential security.

You must notify 45jl immediately via the live chat support channel if you suspect any unauthorised access to your account or believe your credentials have been compromised.

The information you provide during registration must be accurate, current, and complete. Providing false registration information — including a false date of birth to circumvent the 21+ age requirement — is a serious violation of these Terms & Conditions and applicable Philippine law.

The 45jl platform accepts deposits via GCash, Maya (PayMaya), BPI, BDO, UnionBank, Metrobank, 7-Eleven Cliqq, USDT TRC20, and Coins.ph. The minimum deposit amount is ₱100 unless otherwise stated for a specific payment method. Deposits are credited to the player's wallet upon confirmation from the respective payment provider.

Withdrawal requests are processed to the player's verified payment method. The minimum withdrawal amount is ₱200 unless otherwise specified. 45jl does not charge processing fees on standard withdrawals; however, third-party payment providers may apply their own fee schedules which are outside 45jl's control.

Withdrawal requests are processed within the timeframes published on the 45jl platform at the time of the request. Estimated processing times — including GCash (2–5 minutes) and bank transfers (15–30 minutes) — are indicative and may be subject to delays caused by third-party payment system outages or KYC verification requirements.

• KYC identity verification must be completed before the first withdrawal from any account.
• Withdrawals are processed only to payment methods that have been used for a prior deposit on the same account.
• 45jl reserves the right to request additional documentation for withdrawal requests exceeding ₱50,000 per transaction.
• Funds deposited to a 45jl account may not be transferred to another player's account under any circumstances.

45jl offers various bonuses and promotional programs including welcome bonuses, reload bonuses, cashback programs, referral rewards, and tournament prize pools. All bonuses are subject to the specific terms published on the relevant promotion page at the time the bonus is activated. In the event of any conflict between the general terms in this section and the specific promotion terms, the specific promotion terms shall prevail.

General bonus terms applicable to all 45jl promotions unless otherwise stated:

• Bonus Funds must be wagered the stated number of times (the "wagering requirement" or "rollover") before any portion of the bonus or associated winnings may be withdrawn.
• Different game types contribute different percentages toward the wagering requirement. Slot games typically contribute 100%, while live casino games may contribute at a reduced rate as specified in the individual promotion terms.
• A maximum bet limit per spin or per round applies while Bonus Funds remain active on an account. Exceeding the maximum bet limit while using Bonus Funds may result in the forfeiture of those funds.
• Bonuses are non-transferable and have no cash value outside of the wagering process.
• 45jl reserves the right to withdraw any bonus offer at any time and to void any bonus granted in error or as a result of a technical fault.
• Players found to be abusing the bonus system — including coordinated betting patterns, arbitrage strategies, or creating duplicate accounts to claim multiple welcome bonuses — will have their bonuses voided and their accounts reviewed for suspension.

All games available on the 45jl platform operate under the rules published by the respective game provider. In the event of a dispute regarding a game outcome, the game provider's records shall be the definitive reference. 45jl acts as a distributor of games from certified third-party providers including but not limited to JILI Games, Pragmatic Play, PG Soft, and NetEnt.

All slot games on the 45jl platform use independently certified Random Number Generator (RNG) systems. Live dealer games use real physical equipment — cards, dice, and roulette wheels — operated by certified dealers. Return-to-Player (RTP) percentages published on game information pages are indicative long-run averages and do not guarantee specific outcomes for any individual session.

In the event of a technical malfunction that affects a game outcome — including server disconnection, display errors, or software faults — 45jl reserves the right to void affected bets and return the relevant stakes to the player's wallet. Bets voided due to a technical malfunction do not count toward wagering requirements.

The following actions are strictly prohibited on the 45jl platform. Any player found to have engaged in prohibited conduct will be subject to immediate account suspension, forfeiture of associated balances, and potential reporting to PAGCOR and relevant law enforcement agencies:

• Use of automated betting tools, bots, scripts, or any software that interferes with the normal operation of the platform or provides an unfair advantage.
• Collusion with other players to influence game outcomes or share information in a manner that gives an unfair advantage in live dealer games.
• Fraudulent use of payment methods, including use of GCash or Maya accounts belonging to a third party, or disputing legitimate transactions via chargeback requests.
• Any attempt to exploit software errors, game bugs, or vulnerabilities for financial gain. Players who discover an error are required to notify 45jl support immediately rather than exploit it.
• Money laundering or any use of the platform to process funds derived from illegal activity, in violation of the Anti-Money Laundering Act of the Philippines (AMLA) and related regulations.
• Providing false information during registration, KYC verification, or any communication with 45jl support.

All content on the 45jl platform — including but not limited to the website design, graphics, logos, text, game interfaces, software, and promotional materials — is the property of 45jl or its licensed content providers and is protected by applicable intellectual property laws.

Players are granted a limited, non-exclusive, non-transferable licence to access and use the 45jl platform for personal entertainment purposes only. This licence does not permit the reproduction, distribution, modification, public display, or commercial exploitation of any 45jl content without prior written authorisation from 45jl.

Game titles, graphics, and associated intellectual property displayed on the 45jl platform remain the exclusive property of the respective game providers and are used by 45jl under licence. Any unauthorised use of game provider intellectual property is strictly prohibited.

45jl reserves the right to suspend, restrict, or permanently close any player account at its sole discretion, including in the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Failure to complete KYC verification within the required timeframe.
• Suspicion of fraudulent activity, money laundering, or other illegal conduct.
• A request by the account holder for self-exclusion under the 45jl Responsible Gaming Policy.
• Receipt of a directive from PAGCOR or a competent legal authority requiring account closure.

Where an account is closed for breach of these Terms, any associated balance may be forfeited. Where an account is closed for regulatory or administrative reasons unrelated to player fault, any verified real-money balance will be returned to the player's verified payment method after all outstanding review processes are completed.

Players may voluntarily close their 45jl account at any time by contacting the live chat support team. Upon voluntary account closure, any remaining real-money balance will be returned to the player's verified payment method within five (5) business days, subject to applicable KYC requirements.

To the fullest extent permitted by applicable Philippine law, 45jl's total liability to any player in connection with any claim arising out of or relating to the use of the platform shall not exceed the total amount deposited by that player in the thirty (30) days immediately preceding the event giving rise to the claim.

45jl shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or loss of opportunity, arising out of or in connection with the use of the platform, whether based in contract, tort, strict liability, or otherwise — even if 45jl has been advised of the possibility of such damages.

45jl does not guarantee uninterrupted or error-free access to the platform and accepts no liability for temporary unavailability due to maintenance, technical failure, or events beyond its reasonable control, including network outages affecting Globe, Smart, PLDT, or other Philippine telecommunications providers.

45jl collects, processes, and stores personal data in accordance with the 45jl Privacy Policy and the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines. By registering an account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Personal data collected by 45jl includes registration details, payment information, KYC documents, device and session data, and communications with the support team. This data is used for account management, payment processing, identity verification, fraud prevention, responsible gaming compliance, and improvement of the platform.

45jl will not sell personal data to third parties. Data is shared only with licensed game providers, payment processors, KYC service providers, and regulatory authorities where required by law. For the full details of how 45jl handles your data, please refer to the Privacy Policy at 45jl.cam/privacy-policy.

45jl is committed to providing a safe and responsible gaming environment for all Filipino players. The platform provides the following responsible gaming tools, accessible to all registered players at any time from the account settings:

• Deposit Limits: Daily, weekly, and monthly deposit caps that take effect immediately upon being set. Limits may be decreased at any time; increases are subject to a mandatory 7-day cooling-off period.
• Session Time Reminders: Configurable pop-up alerts at intervals between 30 minutes and 4 hours to notify players of their active session duration.
• Loss Limits: Caps on the maximum net loss permitted per day, week, or month, configurable from account settings.
• Self-Exclusion: Players may request temporary self-exclusion (24 hours to 12 months) or permanent self-exclusion at any time. Self-exclusion takes effect immediately across all 45jl products.

45jl aligns its responsible gaming policies with the guidelines issued by PAGCOR. The platform actively monitors player behaviour for signs of problem gambling and may proactively contact players and apply protective measures where appropriate.

45jl reserves the right to amend, update, or replace these Terms & Conditions at any time. Material changes will be notified to registered players via the email address or mobile number associated with their account at least seven (7) calendar days before the changes take effect, except where immediate changes are required by law, regulation, or court order.

Continued use of the 45jl platform after the effective date of any amendment constitutes acceptance of the revised Terms & Conditions. If you do not agree with any amended terms, you must cease using the platform and contact support to arrange account closure and return of your verified real-money balance.

The most current version of these Terms & Conditions is always accessible at 45jl.cam/terms-conditions. The "Last Updated" date at the top of this page reflects the date of the most recent revision.

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising out of or in connection with these Terms & Conditions, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

Prior to initiating any formal legal proceedings, players are encouraged to contact 45jl's customer support team to seek an informal resolution. 45jl aims to resolve all player disputes fairly and transparently within ten (10) business days of a formal complaint being submitted.

Where a dispute relates to a specific game outcome, the records maintained by the game provider shall be the definitive and binding reference for the purposes of dispute resolution.

If you have any questions, concerns, or feedback regarding these Terms & Conditions or any other aspect of the 45jl platform, you may contact the 45jl support team through the following channels:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24 hours a day, 7 days a week through the chat widget on the 45jl platform.

When contacting support regarding a specific account issue or dispute, please have your registered username and relevant transaction reference numbers ready to assist in a faster resolution.