jl98 Terms & Conditions

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and jl98 ("jl98," "we," "us," or "our") governing your access to and use of the jl98 website located at jl98.one and all associated services, games, features, and content (collectively, the "Platform").

By accessing the Platform, creating an account, or using any jl98 service, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

If you do not agree to these Terms, you must immediately cease using the Platform and close any account you may have registered.

To register and use jl98, you must satisfy all of the following eligibility requirements at all times:

• You must be at least 21 years of age. This is the minimum legal age for participation in casino-style online gaming in the Philippines as established under PAGCOR's regulatory framework.
• You must be a natural person (not a corporation, trust, or other legal entity) acting on your own behalf.
• You must not be a resident of, or accessing the Platform from, any jurisdiction where online gaming is prohibited by applicable law.
• You must not be a current employee, contractor, director, or officer of jl98, nor an immediate family member of such a person.
• You must not have been previously excluded or banned from the Platform or any other gaming platform for violations of terms of service or responsible gaming policies.
• You must have full legal capacity to enter into a binding contract under Philippine law.

3.1 One Account Per Person. Each individual may hold only one registered account on jl98. The creation of multiple accounts by a single individual is strictly prohibited and constitutes a material breach of these Terms. jl98 reserves the right to close all duplicate accounts and forfeit any associated balances.

3.2 Accurate Information. You agree to provide accurate, current, and complete information during registration and to update such information promptly if it changes. Providing false, misleading, or incomplete information is a breach of these Terms and may result in immediate account suspension.

3.3 Account Security. You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You must not share your login details with any third party. jl98 will not be liable for any loss or damage arising from unauthorized access to your account resulting from your failure to maintain adequate security of your credentials.

3.4 Notification of Breach. You must notify jl98 immediately upon becoming aware of any unauthorized use of your account or any other security breach. You can do so through the Platform's live chat support.

3.5 Account Verification. jl98 may require you to complete identity verification (KYC) procedures before processing withdrawals or at any other time deemed necessary. Failure to complete verification within a reasonable timeframe may result in account restrictions.

You agree that you will not, at any time, engage in any of the following prohibited activities on or in connection with the Platform:

• Use any automated software, bot, script, or other tool to access or interact with the Platform without jl98's express written consent.
• Engage in any form of collusion, cheating, fraud, or manipulation of game outcomes.
• Use the Platform for any money laundering, terrorist financing, or other illegal financial activity.
• Attempt to reverse-engineer, decompile, or otherwise derive the source code of any jl98 software or system.
• Interfere with or disrupt the integrity or performance of the Platform or its underlying infrastructure.
• Impersonate any other person or entity, or misrepresent your affiliation with any person or entity.
• Exploit any bug, error, or vulnerability in the Platform. Any such discovery must be reported to jl98 immediately.
• Use the Platform in any manner that violates applicable Philippine law or any other applicable law or regulation.

jl98 reserves the right to investigate suspected violations and to take appropriate action, including account suspension, termination, and referral to law enforcement authorities.

5.1 Accepted Payment Methods. jl98 accepts deposits and processes withdrawals via the following payment methods: GCash, PayMaya / Maya, and bank transfer through participating Philippine banks including BPI, BDO, Metrobank, UnionBank, Landbank, PNB, and Security Bank. Debit cards linked to eligible Philippine bank accounts may also be accepted. All transactions are denominated in Philippine Peso (PHP / ₱).

5.2 Prohibited Funding Sources. You must not fund your jl98 account using any payment method that does not belong to you, or using any funds derived from illegal activity. Credit card deposits for gambling purposes are not accepted in compliance with applicable Philippine regulations.

5.3 Withdrawal Processing. Withdrawal requests are processed subject to completion of any applicable identity verification requirements and satisfaction of any applicable bonus wagering requirements. jl98 aims to process withdrawal requests promptly; however, processing times may vary depending on the payment method and verification status of your account.

5.4 Minimum and Maximum Limits. Minimum and maximum deposit and withdrawal limits apply and are displayed within the Finance / Wallet section of the Platform. These limits may be adjusted from time to time at jl98's discretion.

5.5 Account Balance. Funds held in your jl98 account are held for gaming purposes only. Your account balance does not accrue interest. jl98 is not a bank or financial institution, and your account balance is not a deposit in the financial services sense.

6.1 General. jl98 may offer bonuses, free credits, cashback, reload offers, and other promotions from time to time. All promotions are subject to specific terms and conditions that will be communicated at the time the promotion is offered. In the event of any conflict between promotion-specific terms and these Terms, the promotion-specific terms shall prevail with respect to that promotion.

6.2 Wagering Requirements. Bonus funds are typically subject to wagering requirements before they may be withdrawn. The applicable wagering requirement will be clearly stated in the promotion terms. jl98 does not use misleading promotional language — if a bonus has a wagering requirement, it will be stated plainly.

6.3 Abuse. jl98 reserves the right to withhold, cancel, or reclaim bonus funds if it determines, in its reasonable judgment, that a user has engaged in bonus abuse, including but not limited to: creating multiple accounts to claim the same promotion, using automated tools to meet wagering requirements, or engaging in low-risk wagering strategies designed to circumvent wagering requirements.

6.4 Expiry. Bonus funds and free credits may expire if not used within the timeframe specified in the applicable promotion terms. Expired bonuses will be removed from your account without compensation.

7.1 Game Availability. jl98 offers a range of online gaming products including live casino games (baccarat, blackjack, roulette, dragon tiger), slot games, bingo, and other game categories. The availability of specific games may vary and is subject to change without notice.

7.2 Random Number Generation. All non-live games on jl98 use certified random number generator (RNG) technology to determine game outcomes. Live dealer games use physical game equipment (cards, wheels, dice) operated by trained dealers in real time. Game outcomes are not manipulated by jl98.

7.3 Return to Player. Return-to-player (RTP) percentages for slot games are determined by the game providers and are available within the game information panels. RTP figures represent theoretical long-term averages and do not guarantee individual session outcomes.

7.4 Malfunctions. In the event of a technical malfunction, game error, or system failure that affects the outcome of a game, jl98 reserves the right to void the affected game round and return the wagered amount to the player's account. jl98 is not liable for any losses arising from technical malfunctions beyond the return of the wagered amount.

7.5 Disconnection. jl98 is not responsible for losses incurred as a result of internet disconnection or other connectivity issues on the user's end during gameplay. Players are advised to ensure a stable internet connection before commencing play.

jl98 is committed to promoting responsible gaming and takes its obligations in this area seriously. Gaming should be an enjoyable form of entertainment — not a means of generating income or recovering financial losses.

8.1 Age Restriction. jl98 strictly enforces the 21+ age requirement. Age verification is conducted during registration and may be required at any subsequent time. Access to the Platform by persons under 21 years of age is strictly prohibited.

8.2 Player Tools. jl98 provides the following responsible gaming tools, accessible from your account settings:

• Deposit Limits: Set daily, weekly, or monthly limits on the amount you can deposit.
• Session Time Reminders: Receive notifications after a specified period of continuous play.
• Self-Exclusion: Temporarily or permanently exclude yourself from the Platform. Self-exclusion requests are processed promptly and cannot be reversed during the exclusion period.
• Reality Checks: Periodic on-screen reminders of time spent and amounts wagered during a session.

8.3 Seeking Help. If you believe your gaming may be causing harm to yourself or others, we encourage you to use the self-exclusion tools available in your account and to seek support from responsible gaming resources available in the Philippines. Visit our Responsible Gaming page for more information.

All content on the jl98 Platform, including but not limited to text, graphics, logos, icons, images, audio clips, game software, and the overall design and compilation of the Platform, is the property of jl98 or its content suppliers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your personal, non-commercial gaming purposes only. This licence does not include the right to: reproduce, distribute, publicly display, modify, create derivative works from, or commercially exploit any content on the Platform.

Any unauthorized use of jl98's intellectual property is strictly prohibited and may result in legal action.

10.1 Platform Availability. jl98 does not warrant that the Platform will be available at all times, uninterrupted, or free from errors. We reserve the right to suspend or discontinue the Platform or any part thereof at any time for maintenance, upgrades, or other operational reasons, with or without notice.

10.2 No Warranty. The Platform and all services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

10.3 Limitation. To the maximum extent permitted by applicable Philippine law, jl98 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform, including but not limited to loss of profits, loss of data, or loss of goodwill, even if jl98 has been advised of the possibility of such damages.

10.4 Cap on Liability. In no event shall jl98's total aggregate liability to you for any claims arising out of or relating to these Terms or your use of the Platform exceed the total amount deposited by you into your jl98 account in the thirty (30) days immediately preceding the event giving rise to the claim.

10.5 Indemnification. You agree to indemnify, defend, and hold harmless jl98 and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with your breach of these Terms or your use of the Platform in violation of applicable law.

11.1 By jl98. jl98 reserves the right to suspend or terminate your account and access to the Platform at any time, with or without notice, if jl98 reasonably believes that you have breached these Terms, engaged in fraudulent or illegal activity, or if required to do so by applicable law or regulatory authority.

11.2 By You. You may close your jl98 account at any time by contacting customer support through the Platform's live chat. Upon closure, any remaining balance in your account (after deduction of any applicable bonus funds that have not met wagering requirements) will be returned to you via your registered payment method, subject to completion of any outstanding verification requirements.

11.3 Effect of Termination. Upon termination of your account for any reason, your right to access and use the Platform ceases immediately. Provisions of these Terms that by their nature should survive termination shall continue to apply, including but not limited to Sections 9, 10, and 12.

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 law provisions.

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be subject to the exclusive jurisdiction of the competent courts of the Philippines. You irrevocably submit to the personal jurisdiction of such courts for the purpose of litigating any such dispute.

jl98 operates within the regulatory framework established by the Philippine Amusement and Gaming Corporation (PAGCOR). Nothing in these Terms shall be construed to limit or exclude any rights you may have under applicable Philippine consumer protection or gaming regulations.

jl98 reserves the right to amend, update, or replace these Terms at any time. When we make material changes, we will update the "Last updated" date at the top of this page and, where practicable, notify registered users via the Platform or by other reasonable means.

Your continued use of the Platform following the posting of revised Terms constitutes your acceptance of those changes. If you do not agree to the revised Terms, you must stop using the Platform and close your account.

We encourage you to review these Terms periodically to stay informed of any updates. The most current version of these Terms will always be available at jl98.one/terms-conditions.

If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the jl98 support team through the live chat feature available on the Platform, or reach us by email at:

Our support team is available 24/7 and aims to respond to all inquiries promptly. For urgent account-related matters, live chat is the fastest way to reach us.