melbe Terms & Conditions

§ 01 Acceptance of Terms

By accessing, registering on, or using any part of the melbe online gaming platform available at melbe.bet (the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, together with melbe's Privacy Policy, Responsible Gaming Policy, and any game-specific rules or promotional terms published on the Platform (collectively, the "Agreement").

These Terms apply to all users of the melbe Platform, including registered account holders, guests browsing the site, and any person accessing the Platform from the Republic of the Philippines or any other jurisdiction where such access is permitted by applicable law.

If you are using the melbe Platform on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. In such a case, "you" and "your" refer to that entity.

§ 02 Eligibility and Age Restriction

To register and maintain an account on the melbe Platform, you must meet all of the following eligibility requirements at all times:

• You must be at least 21 years of age. Philippine law and PAGCOR regulations prohibit participation in casino-style online gaming by persons below the age of 21. This age restriction is strictly enforced by melbe and is non-negotiable.
• You must be a natural person. Corporate entities, trusts, and non-human legal persons are not permitted to hold player accounts.
• You must have the legal capacity to enter into a binding contract under the laws of the Republic of the Philippines or your jurisdiction of residence.
• You must not be a resident of, or accessing the Platform from, any jurisdiction in which online gaming is prohibited or restricted under applicable local law.
• You must not be a current employee, contractor, director, officer, or affiliate of melbe or any of its group companies, gaming software providers, or related third-party suppliers.
• You must not have been previously excluded, suspended, or permanently banned from the melbe Platform or any PAGCOR-regulated gaming facility.

§ 03 Account Registration and KYC

To access real-money gaming features on melbe, you must register a player account. During registration, you agree to provide accurate, current, and complete information including your full legal name, date of birth, residential address in the Philippines, valid mobile number, and a valid email address.

3.1 One Account Policy

Each individual is permitted to hold only one (1) active melbe account. Opening or attempting to open multiple accounts — whether using the same or different personal details, payment methods, devices, or IP addresses — is strictly prohibited. melbe uses automated and manual detection methods to identify duplicate accounts. Where duplicate accounts are identified, all associated accounts will be suspended pending investigation, and any balances or pending withdrawals may be forfeited.

3.2 Accuracy of Information

You are responsible for ensuring that all information provided during registration and subsequently updated on your account remains accurate and up to date. Providing false, misleading, or incomplete information — including falsifying identity documents or misrepresenting your age — constitutes a material breach of these Terms and will result in immediate account closure and forfeiture of all balances.

3.3 Know Your Customer (KYC)

In compliance with PAGCOR requirements and the Philippines' Anti-Money Laundering Act (Republic Act 9160, as amended), melbe is required to verify the identity of all account holders prior to processing withdrawals. You may be required to submit one or more of the following documents:

• A valid Philippine government-issued photo ID (PhilSys ID, SSS/UMID, driver's license, or passport)
• Proof of residential address (utility bill, bank statement, or barangay certificate dated within the last 3 months)
• Source of funds documentation if deposit activity is deemed unusual or high-risk
• A selfie holding your ID, as requested by the melbe compliance team

KYC documents must be submitted through the secure verification portal within your melbe account dashboard. melbe will process KYC submissions within 3–5 business days. Failure to submit required documents within 30 days of request may result in account suspension.

§ 04 Account Security

You are solely responsible for maintaining the confidentiality and security of your melbe account credentials, including your username, password, and any two-factor authentication (2FA) codes. You must not share your login credentials with any third party under any circumstances.

melbe provides SMS OTP two-factor authentication as a security feature and strongly encourages all players to enable it. melbe will never contact you by phone, SMS, or email to ask for your password or OTP codes. Any such request should be treated as a phishing attempt and reported to melbe support immediately.

You agree to notify melbe immediately via the support contact at support@melbe.bet if you suspect any unauthorized access to your account or if your login credentials are compromised. melbe will not be liable for any losses resulting from your failure to maintain adequate account security or your failure to report unauthorized access promptly.

§ 05 Deposits and Withdrawals

5.1 Currency

All transactions on the melbe Platform are denominated in Philippine Peso (PHP / ₱). melbe does not accept deposits or process withdrawals in foreign currencies. Any currency conversion costs are the sole responsibility of the player.

5.2 Minimum Deposit

The minimum deposit on melbe is ₱20. There is no maximum deposit limit for standard accounts, though higher deposit amounts may trigger enhanced due diligence procedures under PAGCOR's anti-money laundering guidelines.

5.3 Accepted Payment Methods

melbe currently accepts deposits and processes withdrawals via the following payment methods, subject to availability and applicable limits:

• GCash (recommended — fastest processing)
• PayMaya / Maya
• BPI (Bank of the Philippine Islands) online banking
• BDO (Banco de Oro) online banking
• Metrobank online banking
• Other supported local bank transfer channels as published on the Platform

5.4 Withdrawal Policy

Withdrawals are processed to the same payment method and account used for the player's most recent qualifying deposit. melbe processes withdrawal requests within 1–3 business days following successful KYC verification. Withdrawal requests submitted on Philippine public holidays may experience processing delays. melbe does not charge platform fees on standard withdrawals, though your bank or e-wallet provider may apply their own charges.

5.5 Funds Ownership

All funds deposited into your melbe wallet must be your own legally obtained money. You represent and warrant that you are not depositing proceeds of crime, that you are not acting on behalf of any third party, and that your use of the Platform does not violate any applicable Philippine law including Republic Act 9160 (Anti-Money Laundering Act) and Republic Act 10927 (amendment designating casinos as covered persons under AMLA).

§ 06 Bonus and Promotions

melbe offers bonuses, free credits, cashback offers, and other promotional incentives to eligible players from time to time. All bonuses are subject to the following general terms, in addition to any promotion-specific terms and conditions published at the time of the offer:

• Bonuses are available to verified, eligible players aged 21 and above who are residents of the Philippines.
• Each bonus offer may only be claimed once per player, per household, per device, and per IP address, unless otherwise stated.
• All bonuses are subject to wagering requirements (also referred to as "rollover requirements") that must be completed before any winnings derived from bonus funds can be withdrawn. The specific wagering multiplier applicable to each bonus is stated in the individual promotion's terms.
• Bonuses and any associated winnings will expire if wagering requirements are not completed within the time limit specified in the promotion terms.
• melbe reserves the right to withhold, cancel, or reclaim any bonus where there is evidence of bonus abuse, collusion, use of automated software, or any other form of fraudulent activity.
• In the event of a dispute regarding bonus eligibility or wagering completion, melbe's decision is final and binding.

§ 07 Game Rules and Fairness

All games available on the melbe Platform — including online bingo, slot machines, live casino table games (baccarat, roulette, blackjack, and others), sports betting markets, sabong, and Callbreak — are governed by their individual game rules as published within the Platform.

melbe uses certified Random Number Generation (RNG) technology for all non-live games. Our RNG systems are audited and certified by independent, internationally accredited testing laboratories. Certification records are maintained and made available to PAGCOR upon request.

Live dealer games are streamed from licensed studios and land-based facilities. All live game outcomes are determined in real time by physical game mechanics (cards, roulette wheels, etc.) under the supervision of certified live dealers and studio operators.

In the event of a technical malfunction, disconnection, or game error that affects a game outcome, melbe reserves the right to void the affected round and refund the wager placed. No compensation beyond the original wager amount will be provided in connection with a technical failure.

§ 08 Prohibited Conduct

The following conduct is strictly prohibited on the melbe Platform. Violation of any of these prohibitions may result in immediate account suspension, forfeiture of balance, and referral to PAGCOR or Philippine law enforcement authorities:

• Registering an account if you are under 21 years of age, or on behalf of a person under 21
• Using any automated software, bot, script, algorithm, or artificial intelligence tool to place bets, exploit game mechanics, or interact with the Platform in a non-human manner
• Exploiting software bugs, errors, or vulnerabilities for financial gain — any winnings obtained through exploitation of a bug are invalid and will be reversed
• Collusion with other players to gain an unfair advantage in any game
• Money laundering, structuring deposits to avoid AMLA reporting thresholds, or using the Platform to facilitate any financially criminal activity
• Using stolen payment credentials, fraudulent GCash or bank accounts, or any payment method not registered in your own name
• Opening multiple accounts or registering under a false identity
• Attempting to access, modify, reverse-engineer, or interfere with any part of the melbe Platform's code, servers, or data infrastructure
• Harassing, abusing, threatening, or engaging in discriminatory conduct toward melbe staff or other players via any communication channel
• Accessing the melbe Platform from a jurisdiction where online gaming is explicitly prohibited, using VPN, proxy, or other circumvention tools to disguise your location

§ 09 Intellectual Property

All content on the melbe Platform — including but not limited to the melbe brand name, logo, trademarks, game graphics, interface design, software code, marketing copy, and audiovisual materials — is the exclusive intellectual property of melbe or its licensed content providers and is protected under applicable Philippine intellectual property law and international copyright conventions.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the melbe Platform solely for personal, non-commercial gaming entertainment purposes in accordance with these Terms. You may not copy, reproduce, republish, distribute, modify, create derivative works of, or commercially exploit any content from the melbe Platform without prior written authorization from melbe.

§ 10 Limitation of Liability

To the fullest extent permitted under applicable Philippine law, melbe, its directors, officers, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with your use of, or inability to use, the melbe Platform.

melbe's total aggregate liability to you for any direct damages arising from these Terms or your use of the Platform shall not exceed the total amount of deposits made by you to your melbe account in the 30-day period immediately preceding the event giving rise to the claim.

melbe does not warrant that the Platform will be uninterrupted, error-free, or entirely secure, though melbe takes commercially reasonable measures to maximize uptime and security. Scheduled maintenance, unexpected outages, and force majeure events including natural disasters, government actions, PAGCOR regulatory changes, or telecommunications network failures may temporarily affect Platform availability.

§ 11 Responsible Gaming

melbe is committed to promoting responsible gaming in full compliance with PAGCOR's Responsible Gaming framework. We provide the following tools to help players manage their gaming activity:

• Deposit Limits: Set daily, weekly, or monthly deposit caps on your account through the responsible gaming settings in your account dashboard.
• Session Time Reminders: Configure alerts that notify you after a set duration of continuous play.
• Self-Exclusion: Voluntarily exclude yourself from the Platform for a defined period (30 days, 90 days, 180 days, or permanently). Self-exclusion requests are processed within 24 hours and cannot be reversed during the elected exclusion period.
• Reality Checks: Receive periodic on-screen reminders of how long you have been playing and your net gaming position for the session.
• Cool-off Period: Take a temporary break from your account for 24 hours to 7 days without permanent self-exclusion.

If you believe you or someone you know may have a problem with gambling, we encourage you to seek help. You may contact the PAGCOR Responsible Gaming helpline or reach melbe's responsible gaming support team at support@melbe.bet. All responsible gaming inquiries are handled confidentially.

§ 12 Termination and Suspension

melbe reserves the right to suspend, restrict, or permanently close your account at any time and without prior notice if melbe determines, in its sole discretion, that you have:

• Violated any provision of these Terms and Conditions
• Provided false or fraudulent registration information
• Engaged in or attempted any form of prohibited conduct as described in Section 8
• Failed to complete mandatory KYC verification within the required timeframe
• Been identified as being under 21 years of age
• Accessed the Platform from a prohibited jurisdiction
• Been subject to a self-exclusion request or PAGCOR-mandated exclusion order

Upon account closure for cause, melbe reserves the right to withhold any remaining balance pending investigation. Where a balance is determined to be legitimately owned by the player and no fraud or violation is confirmed, the balance will be returned to the player via their verified payment method within 14 business days of the conclusion of the investigation.

You may voluntarily close your account at any time by contacting melbe support at support@melbe.bet. Prior to account closure, all pending wagers will be settled and any remaining balance will be returned to your verified payment method.

§ 13 Governing Law and Dispute Resolution

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter, 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.

In the event of a dispute between you and melbe, you agree to first attempt to resolve the dispute informally by contacting melbe's customer support team. melbe will endeavor to respond to all formal complaints within 5 business days.

If a dispute cannot be resolved informally within 30 days, both parties agree that the dispute shall be submitted to the jurisdiction of the appropriate courts of the Republic of the Philippines, or to the dispute resolution mechanisms established by PAGCOR under its regulatory framework, as applicable.

For disputes relating to individual game outcomes that allege technical malfunction, melbe may refer the matter to the relevant game provider or independent technical auditor for review. The outcome of such a review is final and binding on both parties.

§ 14 Amendments to These Terms

melbe reserves the right to modify, update, or replace any part of these Terms and Conditions at any time. When material changes are made, melbe will provide notice to registered players via email notification to the address on file, a notice displayed upon login to the Platform, or publication of the updated Terms on melbe.bet with a revised effective date.

Your continued use of the melbe Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must cease using the Platform and may request account closure in accordance with Section 12.

It is your responsibility to review these Terms periodically. melbe recommends reviewing the Terms at least once every 90 days to remain informed of any changes that may affect your rights or obligations as a melbe player.

§ 15 Contact Information

If you have any questions, concerns, or formal complaints relating to these Terms and Conditions, your melbe account, or the melbe Platform, please contact our support team:

melbe is committed to resolving all player concerns fairly, transparently, and in accordance with PAGCOR's complaint handling guidelines. All communications with our support team are treated with strict confidentiality under the Philippines' Data Privacy Act of 2012 (Republic Act 10173).