cow188 Terms & Conditions

01 Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "you") and cow188 ("cow188," "we," "us," or "our") governing your access to and use of the cow188 online gaming platform, website, mobile applications, and all related services (collectively, the "Platform").

By accessing the cow188 Platform, creating an account, making a deposit, or participating in any game or promotion, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must immediately cease using the Platform.

cow188 reserves the right to update, modify, or replace these Terms at any time. Continued use of the Platform following the posting of any changes constitutes acceptance of those changes. It is your responsibility to review these Terms periodically.

02 Eligibility & Age Verification

To register and use the cow188 Platform, you must satisfy all of the following eligibility requirements at all times:

• You must be at least 21 years of age. Under Philippine law and PAGCOR regulations, casino-style online gambling is restricted to individuals aged 21 and above.
• You must be a natural person and not a corporation, partnership, trust, or other legal entity.
• You must be legally permitted to participate in online gaming activities under the laws of your jurisdiction of residence.
• You must not be a resident of any jurisdiction where online gambling is prohibited by applicable law.
• You must not be a current employee, contractor, director, officer, or agent of cow188, or an immediate family member of any such person.
• You must not have been previously excluded or banned from the cow188 Platform or any affiliated gaming platform.

Any person who provides false information regarding their age or identity in order to access the Platform commits a violation of these Terms and may be subject to legal action. cow188 will report suspected cases of underage gambling to the appropriate Philippine authorities.

03 Account Registration

To access the full features of the cow188 Platform, you must create a registered account. The following rules apply to all cow188 accounts:

• One Account Per Person: Each individual may register and maintain only one (1) cow188 account. The creation of multiple accounts by the same individual ("multi-accounting") is strictly prohibited and will result in the permanent suspension of all associated accounts and forfeiture of any balances therein.
• Accurate Information: You must provide accurate, current, and complete information during registration, including your full legal name, date of birth, residential address, and valid contact details. You are responsible for keeping this information up to date.
• Account Security: You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You must not share your account access with any third party. cow188 will not be liable for any loss or damage arising from unauthorized access to your account resulting from your failure to maintain adequate security.
• Account Verification: cow188 may require you to complete identity verification (KYC) before processing withdrawals or granting access to certain features. Required documents may include a government-issued photo ID (e.g., Philippine passport, driver's license, SSS/UMID card), proof of address, and proof of payment method ownership.
• Account Suspension: cow188 reserves the right to suspend or terminate any account at its sole discretion, including where there is reasonable suspicion of fraud, money laundering, bonus abuse, or violation of these Terms.

By registering an account, you confirm that you are acting on your own behalf and not on behalf of any third party. Accounts registered or operated by third parties on behalf of another individual are not permitted.

04 Deposits & Withdrawals

cow188 supports the following payment methods for deposits and withdrawals by Filipino players:

• E-Wallets: GCash, PayMaya / Maya
• Bank Transfer: BPI, BDO, Metrobank, UnionBank, Landbank, PNB, Security Bank
• Debit Card: Visa and Mastercard debit cards issued by Philippine banks

The minimum deposit amount is ₱100. Minimum withdrawal amounts and processing times vary by payment method and are displayed in the Platform's cashier section. cow188 processes GCash and PayMaya withdrawals within minutes under normal operating conditions, subject to verification requirements.

All funds deposited into your cow188 account must originate from a payment method registered in your own name. Third-party deposits are strictly prohibited. cow188 reserves the right to reverse any deposit and suspend any account where the source of funds cannot be verified or where there is suspicion of money laundering or other financial crime.

cow188 is not a financial institution and does not pay interest on account balances. Funds held in your cow188 account are held for gaming purposes only and are not insured by any government deposit insurance scheme.

05 Bonuses & Promotions

cow188 offers various bonuses and promotional offers to eligible players from time to time. All bonuses and promotions are subject to the following general terms, as well as any specific terms and conditions published alongside each individual offer:

• Bonuses are available to registered, verified players aged 21 and above only.
• Each bonus offer may only be claimed once per player, per household, per IP address, and per device, unless otherwise stated.
• Wagering requirements must be met before bonus funds or winnings derived from bonus funds can be withdrawn. Specific wagering requirements are stated in each promotion's terms.
• cow188 reserves the right to modify, suspend, or cancel any bonus or promotion at any time without prior notice.
• Bonus abuse, including but not limited to the use of multiple accounts, collusion, or exploitation of software errors to gain an unfair advantage, will result in the forfeiture of all bonus funds and associated winnings, and may result in permanent account suspension.
• Bonuses cannot be transferred between accounts or exchanged for cash outside of the applicable wagering requirements.

cow188 reserves the right to withhold bonus payments and winnings where there is reasonable evidence of fraudulent activity or systematic exploitation of promotional offers. Decisions made by cow188 regarding bonus eligibility and wagering compliance are final.

06 Game Rules & Fair Play

All games available on the cow188 Platform are governed by individual game rules, which are accessible within each game interface. By participating in any game, you agree to be bound by the applicable game rules in addition to these Terms.

• Random Number Generators: All non-live casino games on cow188 use certified Random Number Generator (RNG) technology to ensure fair and unpredictable outcomes. RNG systems are independently tested and certified by recognized third-party testing laboratories.
• Live Dealer Games: Live casino games are streamed from licensed studios. All live dealer operations are subject to the rules and oversight of the relevant gaming authority.
• Malfunction Policy: In the event of a technical malfunction, software error, or communication failure that affects the outcome of a game, cow188 reserves the right to void the affected game round and return stakes to the player's account. Malfunction voids all pays and plays.
• Disconnection Policy: cow188 is not responsible for losses incurred as a result of internet connectivity issues on the player's end. Players are advised to ensure a stable internet connection before participating in real-money games.

Any attempt to manipulate game outcomes, exploit software vulnerabilities, use automated betting software (bots), or engage in any form of cheating is strictly prohibited and will result in immediate account termination and forfeiture of all funds.

07 Prohibited Activities

The following activities are strictly prohibited on the cow188 Platform. Engaging in any prohibited activity may result in immediate account suspension, forfeiture of funds, and referral to the appropriate Philippine law enforcement authorities:

• Registering or using an account if you are under 21 years of age.
• Providing false, misleading, or fraudulent information during registration or verification.
• Creating or operating more than one account on the Platform.
• Using the Platform for any money laundering, terrorist financing, or other illegal financial activity.
• Depositing funds obtained through illegal means or from unauthorized payment sources.
• Using automated software, bots, scripts, or any artificial intelligence tools to gain an unfair advantage in games or to manipulate the Platform.
• Colluding with other players to gain an unfair advantage in any game.
• Exploiting software bugs, errors, or vulnerabilities for financial gain.
• Engaging in any form of harassment, abuse, or threatening behavior toward cow188 staff or other players.
• Attempting to reverse-engineer, decompile, or otherwise tamper with the Platform's software or systems.
• Accessing the Platform from a jurisdiction where online gambling is prohibited by law.

08 Responsible Gaming

cow188 is committed to promoting responsible gaming practices among all Filipino players. We recognize that gambling can become harmful for some individuals, and we take our duty of care seriously.

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits on their accounts at any time via the account settings panel.
• Loss Limits: Players may set maximum loss thresholds to prevent excessive losses within a defined period.
• Session Time Reminders: Players may configure session duration alerts to be notified when they have been playing for a specified period of time.
• Cooling-Off Periods: Players may request a temporary suspension of their account for a defined period (e.g., 24 hours, 7 days, 30 days) to take a break from gaming.
• Self-Exclusion: Players who feel they need a longer break may request permanent or long-term self-exclusion from the cow188 Platform. Self-exclusion requests are processed promptly and cannot be reversed during the exclusion period.

cow188 reserves the right to impose responsible gaming controls on any account where there are signs of problem gambling behavior, including but not limited to unusually high deposit frequency, large losses in a short period, or player self-reports of distress.

09 Intellectual Property

All content on the cow188 Platform, including but not limited to text, graphics, logos, icons, images, audio clips, game software, and the overall design and layout of the Platform, is the property of cow188 or its content suppliers and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your personal, non-commercial entertainment purposes. This license does not include the right to:

• Copy, reproduce, distribute, or publicly display any content from the Platform without prior written consent from cow188.
• Modify, adapt, translate, or create derivative works based on Platform content.
• Use any data mining, scraping, or similar data gathering tools on the Platform.
• Frame or mirror any portion of the Platform on any other website or application.

The cow188 name, logo, and all related marks are trademarks of cow188. Unauthorized use of any cow188 trademark is strictly prohibited.

10 Limitation of Liability

To the fullest extent permitted by applicable Philippine law, cow188 and its officers, directors, employees, agents, and licensors 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 winnings or profits due to technical malfunctions, server downtime, or connectivity issues.
• Unauthorized access to your account resulting from your failure to maintain adequate account security.
• Any interruption, suspension, or termination of the Platform or any service offered thereon.
• Errors or inaccuracies in game outcomes caused by third-party software providers.
• Any loss or damage arising from your reliance on information provided on the Platform.

cow188's total aggregate liability to you for any claim arising out of or relating to these Terms or your use of the Platform shall not exceed the total amount deposited by you into your cow188 account in the thirty (30) days immediately preceding the event giving rise to the claim.

Nothing in these Terms shall limit or exclude cow188's liability for fraud, willful misconduct, or any other liability that cannot be excluded or limited under applicable Philippine law.

11 Privacy & Data Protection

cow188 collects, processes, and stores personal data in accordance with the Republic Act No. 10173, also known as the Data Privacy Act of 2012 of the Philippines, and our Privacy Policy, which is incorporated into these Terms by reference.

By registering an account and using the Platform, you consent to the collection and processing of your personal data as described in our Privacy Policy. This includes the use of your data for account management, identity verification, fraud prevention, regulatory compliance, and marketing communications (where you have opted in).

cow188 will not sell your personal data to third parties. We may share your data with regulatory authorities, law enforcement agencies, and licensed third-party service providers as required by law or as necessary to operate the Platform.

12 Termination

cow188 reserves the right to suspend, restrict, or permanently terminate your account and access to the Platform at any time, with or without prior notice, for any of the following reasons:

• Violation of any provision of these Terms.
• Suspected fraud, money laundering, or other illegal activity.
• Failure to complete identity verification within the required timeframe.
• Provision of false or misleading information during registration or verification.
• Conduct that cow188 reasonably believes is harmful to the Platform, other players, or cow188's reputation.
• Regulatory or legal requirements mandating the restriction or termination of your account.

Upon termination of your account for cause, cow188 reserves the right to forfeit any remaining balance in your account where such balance is reasonably believed to be the proceeds of prohibited activity. Where termination is not for cause, cow188 will return any verified balance to you via your registered payment method within a reasonable timeframe.

You may close your cow188 account at any time by contacting our customer support team. Account closure requests are subject to the completion of any pending transactions and compliance with applicable withdrawal procedures.

13 Amendments to These Terms

cow188 reserves the right to amend, update, or replace these Terms at any time. When material changes are made, cow188 will notify registered players via email or a prominent notice on the Platform prior to the changes taking effect.

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

It is your responsibility to review these Terms regularly. The date of the most recent revision is displayed at the top of this page.

14 Governing Law & Dispute Resolution

These Terms 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.

Any dispute arising between you and cow188 in connection with these Terms or your use of the Platform shall first be referred to cow188's customer support team for informal resolution. If the dispute cannot be resolved informally within thirty (30) days, either party may refer the matter to the appropriate regulatory authority or competent courts of the Philippines.

For matters falling within the jurisdiction of PAGCOR, the dispute resolution procedures established by PAGCOR shall apply. cow188 operates within the PAGCOR regulatory framework and is committed to cooperating fully with any regulatory investigation or dispute resolution process.

15 Contact Information

If you have any questions, concerns, or complaints regarding these Terms and Conditions, please contact the cow188 support team through the following channels:

• Live Chat: Available 24/7 directly on the cow188 Platform.
• Email: [email protected]

Our Filipino support team is available around the clock to assist you. We aim to respond to all written inquiries within 24 hours. For urgent account-related matters, live chat is the fastest way to reach us.