smjil Terms & Conditions

01Definitions

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

02Eligibility & Registration

2.1 Age Requirement. You must be at least 21 years of age to register for and use smjil. This age restriction is mandatory under Philippine gaming regulations. By registering, you represent and warrant that you are 21 years of age or older. smjil reserves the right to request proof of age at any time and to suspend or permanently close any account where age verification cannot be satisfactorily completed.

2.2 Geographic Eligibility. smjil is intended for use by individuals located in the Philippines. Access from jurisdictions where online gaming is prohibited by local law is not permitted. It is your responsibility to determine whether accessing smjil is lawful in your jurisdiction before registering or depositing funds.

2.3 Registration Requirements. To register a smjil account, you must provide accurate, complete, and current personal information including your full legal name, date of birth, residential address, email address, and mobile number. Registration with false or misleading information constitutes a material breach of these Terms and may result in immediate account closure and forfeiture of any balance.

2.4 One Account Per Person. Each individual may hold only one smjil account at any given time. Creating multiple accounts — whether using the same or different personal details — is strictly prohibited. smjil employs device, IP, and identity-matching technology to detect duplicate accounts. Where duplicate accounts are identified, all related accounts may be suspended and balances forfeited.

2.5 KYC Verification. smjil requires all members to complete KYC verification before withdrawals are processed and, in some cases, before deposit limits may be increased. Acceptable Philippine government-issued identification documents include a valid passport, UMID, SSS ID, PhilHealth ID, Postal ID, voter's ID, or driver's license. smjil may request additional documentation at its discretion.

2.6 Account Security. You are responsible for maintaining the confidentiality of your smjil login credentials. You must not share your username, password, or OTP with any third party. smjil will not be liable for any loss arising from unauthorized access to your account where you have failed to maintain the security of your credentials. You must notify smjil support immediately upon becoming aware of any unauthorized use of your account.

03Account Responsibilities

3.1 Accuracy of Information. You are responsible for ensuring that all information held on your smjil account remains accurate and current at all times. You must update your account details promptly if any information changes. smjil may request updated documentation at any time to maintain KYC compliance.

3.2 Personal Use Only. Your smjil account is for your personal use only. You may not allow any third party to access or use your account on your behalf, whether for gaming, deposits, withdrawals, or any other purpose. Any activity conducted through your account is your sole responsibility.

3.3 Account Non-Transferability. smjil accounts are strictly non-transferable. You may not sell, transfer, or assign your account or any balance within it to any other person or entity.

3.4 Dormant Accounts. An account with no login activity for a continuous period of twelve (12) months shall be classified as dormant. smjil may apply a monthly dormancy maintenance fee of up to ₱100 PHP against the dormant account balance. Members will be notified by email prior to dormancy fees being applied. Accounts with a zero balance may be closed after the dormancy period without further notice.

04Deposits & Withdrawals

4.1 Approved Payment Methods. smjil accepts deposits and processes withdrawals exclusively through approved Philippine payment channels: GCash, PayMaya, BPI, BDO, Metrobank, Visa, Mastercard, and USDT. smjil reserves the right to add, modify, or remove payment methods at any time. All account balances are denominated in Philippine Peso (PHP).

4.2 Deposit Processing. GCash and PayMaya deposits credit to your smjil wallet instantly upon confirmation from the payment provider. Bank transfer deposits (BPI, BDO, Metrobank) are subject to standard interbank processing times. smjil is not liable for delays caused by third-party payment providers.

4.3 Minimum Deposit. The minimum deposit amount is ₱100 PHP. smjil may revise minimum deposit thresholds from time to time with notice provided through the platform.

4.4 Withdrawal Eligibility. Withdrawals may only be processed to the payment method used for the most recent deposit, or to a verified method linked to the member's KYC-confirmed identity. Withdrawals to third-party accounts are strictly prohibited. All withdrawals require completed KYC verification.

4.5 Withdrawal Processing Times. GCash withdrawals for fully verified accounts are processed within ten (10) minutes under standard conditions. Bank transfer withdrawals are processed within one (1) to three (3) business days. smjil reserves the right to apply additional verification checks that may extend processing times.

4.6 Minimum Withdrawal. The minimum withdrawal amount is ₱500 PHP. smjil may impose a withdrawal processing fee for certain payment methods; any applicable fee will be disclosed at the time of the withdrawal request.

4.7 Source of Funds. smjil is committed to preventing money laundering and financial crime. smjil may request documentation evidencing the source of funds used for deposits where required by applicable Philippine anti-money laundering regulations. Failure to provide satisfactory documentation may result in account suspension and referral to appropriate authorities.

05Bonuses & Promotions

5.1 General Bonus Terms. All bonuses, free spins, cashback offers, reload promotions, and other promotional credits offered by smjil are subject to the specific terms and conditions attached to each promotion, in addition to these general Terms & Conditions. Where conflict exists between specific promotion terms and these general Terms, the specific promotion terms prevail.

5.2 Wagering Requirements. Unless explicitly stated otherwise, all smjil bonus funds are subject to a wagering requirement that must be met before bonus-derived winnings may be converted to withdrawable real-money funds. Wagering requirements, eligible games, and time limits will be specified in each promotion's terms. Bets placed on certain game categories may contribute at a reduced rate toward wagering requirements.

5.3 One Bonus Per Member. Unless a promotion explicitly states otherwise, each smjil member is entitled to claim each promotion once only. Attempting to claim a promotion multiple times — including through duplicate accounts — is prohibited and may result in forfeiture of the bonus and related winnings.

5.4 smjil's Right to Modify Promotions. smjil reserves the right to modify, suspend, or cancel any promotion at any time without prior notice. Any bonus funds that have not yet been claimed at the time of cancellation will not be awarded. smjil's decision on all bonus-related disputes is final.

5.5 Abuse. smjil reserves the right to void bonus funds, cancel winnings, and close accounts where smjil determines, at its sole discretion, that a member has engaged in bonus abuse, exploited a technical error, used automated betting strategies, or colluded with other members to obtain promotional advantage.

06Gameplay & Betting Rules

6.1 Game Rules. Each game available on smjil operates under its own specific rules, which are accessible from within the game interface. By placing a bet or participating in any game, you confirm that you have read and understood the applicable game rules. smjil is not liable for losses arising from a member's misunderstanding of game rules.

6.2 Minimum and Maximum Bets. Minimum and maximum bet limits apply per game and per round. These limits are displayed within each game and may vary by game category. smjil reserves the right to adjust bet limits at any time.

6.3 Technical Errors and Malfunctions. In the event of a technical malfunction, connectivity failure, or software error that affects the outcome of a game round, smjil reserves the right to void the affected round and return the wagered stake to the member's account. smjil is not liable for losses caused by internet connectivity issues on the member's side.

6.4 Void Bets. smjil reserves the right to void any bet that was accepted due to a manifest pricing or odds error. Members who knowingly exploit such errors are in breach of these Terms and may have winnings forfeited and accounts suspended.

6.5 Game Integrity. All smjil casino games use certified random number generators (RNG) or live-streamed games from licensed studios. smjil does not manipulate game outcomes. Return-to-player (RTP) rates for slot games are available upon request.

07Prohibited Conduct

The following conduct is strictly prohibited on smjil and may result in immediate account suspension, permanent closure, forfeiture of balance, and referral to law enforcement authorities where applicable:

• Registering as a member if you are under 21 years of age or using the platform in a jurisdiction where such use is prohibited by law.
• Creating or operating more than one smjil account, whether under your own identity or using false or third-party identity details.
• Using automated software, bots, scripts, or any artificial intelligence tools to interact with smjil games, place bets, or manipulate outcomes.
• Engaging in collusion, match-fixing, chip-dumping, or any form of coordinated gameplay designed to gain unfair advantage.
• Depositing funds derived from illegal activity, or using smjil for the purpose of money laundering or financial crime.
• Exploiting bugs, glitches, or technical vulnerabilities in smjil software to gain advantage or extract funds.
• Using smjil to facilitate transactions on behalf of third parties, including acting as a payment intermediary.
• Engaging in harassment, abusive language, or threatening behavior toward smjil staff or other members through any communication channel.
• Attempting to reverse-engineer, copy, reproduce, or commercially exploit any part of smjil's software, content, or intellectual property.

08Responsible Gaming

8.1 Commitment. smjil is committed to promoting responsible gaming among its Filipino members. The platform provides a suite of responsible gaming tools that are accessible directly from every member's account dashboard — not buried in the settings menu.

8.2 Available Tools. smjil members may set the following controls on their account at any time:

• Deposit Limits — daily, weekly, or monthly caps on the total amount deposited.
• Session Time Limits — automatic reminders or forced logouts after a set duration of play.
• Loss Limits — caps on the maximum amount that may be lost within a defined period.
• Cool-Off Period — a temporary suspension of gaming access for a defined period of 24 hours to 6 weeks.
• Self-Exclusion — a longer-term exclusion from smjil for a minimum of 6 months, during which the account is suspended and no marketing communications will be sent.

8.3 Increases to Limits. Requests to increase deposit or loss limits are subject to a 24-hour cooling-off period before the increase takes effect. Requests to reduce limits or activate exclusions take effect immediately.

8.4 Third-Party Support. smjil supports the PAGCOR responsible gaming helpline and encourages any member who believes they may have a gambling problem to seek assistance. Please visit our Responsible Gaming page for further information and resources.

8.5 Minor Protection. smjil strictly prohibits access by persons under 21 years of age. Members with minor children or dependents in their household are advised to use device-level parental controls and to keep their smjil login credentials confidential at all times.

09Privacy & Data

9.1 Data Collection. smjil collects personal data from members as part of the account registration, KYC verification, and ongoing platform usage. The categories of personal data collected and the purposes for which they are processed are described in full in the smjil Privacy Policy, which forms part of these Terms & Conditions by reference.

9.2 Data Protection. smjil implements 256-bit SSL encryption across all data transmissions. Member personal data is stored on secured servers and is subject to access controls limiting processing to authorized smjil personnel and approved third-party service providers only.

9.3 Data Sharing. smjil does not sell member personal data to third parties. Data may be shared with payment processors (including GCash and PayMaya), KYC verification providers, PAGCOR and other regulatory authorities where legally required, and fraud prevention services. All third-party processors are subject to binding data processing agreements.

9.4 Member Rights. Members have the right to access, correct, and request deletion of their personal data held by smjil, subject to overriding legal obligations including anti-money laundering record retention requirements. Data subject requests should be directed to [email protected].

10Intellectual Property

10.1 Ownership. All content on smjil — including but not limited to software, game content, graphics, logos, trademarks, text, audio, video, and the smjil brand identity — is the exclusive intellectual property of smjil or its licensed content providers. All rights are reserved.

10.2 Limited License. smjil grants you a personal, non-exclusive, non-transferable, revocable license to access and use the platform for legitimate personal gaming purposes only. This license does not permit commercial use, reproduction, redistribution, or modification of any smjil content.

10.3 Prohibited Use. You may not frame, scrape, cache, or otherwise incorporate any smjil content into any third-party website or application without the express prior written consent of smjil. Any unauthorized use of smjil intellectual property constitutes an infringement and may result in legal action.

11Limitation of Liability

11.1 Platform Availability. smjil aims to maintain continuous platform availability but does not guarantee uninterrupted access to its services. Scheduled maintenance, technical issues, or circumstances beyond smjil's reasonable control may cause temporary service interruptions. smjil will endeavor to provide advance notice of scheduled maintenance where practicable.

11.2 Exclusion of Consequential Loss. To the fullest extent permitted by applicable Philippine law, smjil shall not be liable for any indirect, incidental, consequential, or special loss or damage arising from your use of smjil — including loss of winnings due to technical malfunction, unauthorized account access resulting from your failure to secure credentials, or decisions made based on information provided on the platform.

11.3 Maximum Liability. Where smjil is found liable to a member by a competent court, smjil's total aggregate liability shall not exceed the value of real-money funds deposited by the member and held in the member's wallet at the time the claim arose.

11.4 Third-Party Services. smjil is not responsible for the availability, accuracy, or reliability of third-party payment services, game providers, or network infrastructure used to deliver the platform. Issues with GCash, PayMaya, BPI, BDO, or any other third-party payment provider should be directed to those providers directly.

12Termination

12.1 Termination by Member. You may close your smjil account at any time by contacting customer support at [email protected]. Prior to closure, you must withdraw any real-money balance remaining in your account. Bonus funds are forfeited upon account closure. Account closure requests are processed within three (3) business days.

12.2 Termination by smjil. smjil reserves the right to suspend or permanently close any member account at any time, with or without prior notice, where smjil determines that: (a) the member has breached any provision of these Terms; (b) the member has provided false or misleading registration information; (c) KYC verification has not been satisfactorily completed; (d) smjil is required to do so by law or regulatory direction from PAGCOR or another competent authority; or (e) continuation of the account poses a risk to the integrity of the platform or other members.

12.3 Effect of Termination. Upon termination of your account by either party, your right to access smjil ceases immediately. Verified real-money funds will be returned to your nominated payment method within ten (10) business days of account closure, subject to any outstanding verification requirements. smjil is not obliged to return bonus funds that have not met wagering requirements.

13Amendments to These Terms

13.1 Right to Amend. smjil reserves the right to update, modify, or replace these Terms & Conditions at any time. When material changes are made, smjil will notify registered members via the email address associated with their account and/or by displaying a prominent notice on the smjil platform for a period of not less than seven (7) days prior to the changes taking effect.

13.2 Continued Use. Your continued use of smjil following the effective date of any revised Terms & Conditions constitutes your acceptance of the updated Terms. If you do not agree with the revised Terms, you must cease using smjil and close your account before the effective date of the changes.

13.3 Version History. The effective date of the current version of these Terms is stated at the top of this page. smjil recommends that members review these Terms periodically to remain informed of any updates.

14Governing Law & Dispute Resolution

14.1 Governing Law. These Terms & Conditions and all matters relating to your use of smjil are governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict-of-law principles.

14.2 Regulatory Oversight. smjil operates within the regulatory framework of PAGCOR. Regulatory complaints relating to smjil's compliance with Philippine gaming regulations may be directed to PAGCOR through its official channels.

14.3 Dispute Resolution. In the event of a dispute arising from your use of smjil, we encourage you to contact our customer support team at [email protected] in the first instance. smjil will endeavor to resolve all member disputes fairly and promptly. Where a dispute cannot be resolved through our internal process, it shall be subject to the jurisdiction of the competent courts of the Republic of the Philippines.

14.4 Language. These Terms & Conditions are written in English, which shall be the authoritative language for all interpretation purposes. Any translation provided is for convenience only.

15Contact Us

If you have any questions, concerns, or requests relating to these Terms & Conditions, your smjil account, or any aspect of the platform, please contact the smjil support team: