tayagm Terms & Conditions —
Please Read Before You Play

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and tayagm ("tayagm," "we," "us," or "our"), the operator of the online gaming platform accessible at tayagm.lat (the "Platform"). By accessing, registering on, or using any part of the Platform, 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.

tayagm provides online casino games, sports betting, bingo, fishing arcade games, and related interactive entertainment services to eligible users in the Philippines. The Platform is designed and operated with Filipino players in mind — we use Philippine Peso (PHP / ₱) as the primary account currency and support local payment methods including GCash, Maya, BPI, BDO, Metrobank, and other Philippine payment channels.

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

• You must be at least 21 years of age, as required under PAGCOR (Philippine Amusement and Gaming Corporation) regulations applicable to online gaming in the Philippines.
• You must be a natural person with full legal capacity to enter into binding contracts under Philippine law.
• You must not be a resident of, or accessing the Platform from, any jurisdiction where online gambling is prohibited or requires a local license not held by tayagm.
• You must not be an employee, contractor, director, officer, agent, or immediate family member of tayagm or any of its affiliated companies, technology providers, or game studios.
• You must not have been previously excluded, banned, or self-excluded from tayagm or any other online gaming platform in circumstances that continue to apply to you.
• You must have a valid Philippine government-issued identification document for the purposes of identity verification when required.

To access real-money features on tayagm, you must create a single registered account. The following rules govern account registration and maintenance:

1. One Account Per Person: Each individual may register and maintain only one tayagm account. Creating multiple accounts — whether under the same or different identities — is strictly prohibited. tayagm may, at its sole discretion, merge, suspend, or permanently close duplicate accounts and confiscate associated balances.
2. Accurate Information: You must provide accurate, current, and complete information during registration, including your legal full name, date of birth, Philippine mobile number, and email address. You are responsible for keeping this information current. Providing false information is a material breach of these Terms.
3. Account Credentials: You are solely responsible for maintaining the confidentiality and security of your username, password, and any one-time PINs (OTPs) associated with your account. Do not share your credentials with any third party. tayagm will never ask for your password via chat, SMS, or email.
4. Unauthorized Access: You must notify tayagm immediately if you suspect unauthorized access to your account. tayagm is not liable for any loss or damage arising from your failure to comply with this security obligation.
5. Account Ownership: Your tayagm account is personal and non-transferable. You may not sell, transfer, assign, or otherwise dispose of your account or any account credits to any third party.
6. Know Your Customer (KYC): tayagm may require identity verification (KYC) at registration, before processing any withdrawal, or at any other time deemed necessary for compliance purposes. Required documentation typically includes a valid Philippine government-issued photo ID (e.g., PhilSys ID, passport, UMID, driver's license, voter's ID, or PRC ID).

tayagm accepts deposits exclusively in Philippine Peso (PHP / ₱) through the following channels: GCash, Maya, GrabPay, QR Ph, InstaPay, PesoNet, BPI, BDO, Metrobank, 7-Eleven CLiQQ, and major credit and debit cards. The available payment methods displayed at the time of your deposit may vary.

• Minimum Deposits: Minimum deposit amounts are displayed on the cashier page at the time of transaction and may vary by payment method.
• Processing Times: GCash and Maya deposits are typically processed in real time. Bank transfers and other channels may take up to one (1) business day.
• Deposit Limits: Daily, weekly, and monthly deposit limits apply to all accounts. You may also set your own lower personal deposit limits via the Responsible Gaming section of your account settings. Requests to lower your personal deposit limit take effect immediately; requests to raise your limit are subject to a 48-hour cooling-off period.
• Source of Funds: You warrant that all funds deposited into your tayagm account are from legitimate sources and that you are the rightful owner of the payment instrument used. tayagm may request source-of-funds documentation at any time as part of its Anti-Money Laundering (AML) compliance obligations.
• Failed Transactions: tayagm is not responsible for failed deposits caused by your payment provider, insufficient funds, or incorrect payment details. If a deposit is credited to your account in error, you must notify tayagm immediately and the amount will be reversed.
• No Deposits by Third Parties: Deposits made from payment instruments belonging to a third party — including immediate family members — are not permitted. All deposits must originate from a payment method registered in your own name.

tayagm is committed to processing legitimate withdrawal requests promptly and accurately. The following conditions apply to all withdrawals:

• KYC Requirement: Your account must pass identity verification before any withdrawal can be processed. This is a one-time requirement — once verified, future withdrawals are not delayed for re-verification under normal circumstances.
• Withdrawal Method: Withdrawals are processed to the same payment method used for the most recent deposit, where technically possible. This policy exists to prevent money laundering. If your deposit method does not support withdrawals, tayagm will process the withdrawal to a verified bank account in your name.
• Minimum Withdrawal: The minimum withdrawal amount is ₱200 or the equivalent displayed on the cashier page at the time of the request.
• Processing Times: Withdrawal requests are processed within 24 hours during normal operating conditions. Processing may take longer during high-volume periods, weekends, or public holidays.
• Wagering Requirements: Funds credited as bonuses must satisfy applicable wagering requirements before they or any winnings derived from them are eligible for withdrawal. Real-money deposits that have not been wagered at least once are subject to a processing review.
• Withholding Tax: Winnings may be subject to applicable Philippine withholding taxes as required by law. tayagm will provide documentation upon request to assist with any tax reporting obligations.
• Right to Suspend: tayagm reserves the right to withhold or delay withdrawals pending completion of security checks, AML investigations, or verification procedures. In such cases, tayagm will notify you of the reason within a reasonable timeframe.

tayagm offers various promotional incentives to eligible players, including but not limited to welcome bonuses, deposit match bonuses, free spins, cashback rewards, and loyalty points. All bonuses are subject to the following general terms, in addition to any specific terms attached to each individual promotion:

• Wagering Requirement: All bonuses carry a wagering requirement (also referred to as a "playthrough requirement") that must be satisfied before any bonus-derived funds can be withdrawn. The wagering multiple for each bonus is stated clearly in the promotion's specific terms.
• Eligible Games: Not all games on tayagm contribute equally to wagering requirements. Slots typically contribute 100%; live dealer table games, video poker, and certain other game types contribute at lower rates or not at all. Contribution rates are stated per promotion.
• Bonus Expiry: Unclaimed or unused bonuses expire within the period stated in the promotion — typically 7 to 30 days from issuance. Expired bonuses are forfeited without compensation.
• One Bonus at a Time: Only one bonus may be active in your account at a time unless the promotion explicitly states otherwise. Accepting a new bonus while another is active may result in the forfeiture of the earlier bonus.
• Bonus Abuse: tayagm employs automated and manual monitoring to detect bonus abuse, including but not limited to: wagering on opposite outcomes in the same game, using multiple accounts to claim the same bonus, or strategically placing bets to meet wagering requirements with minimal risk. Accounts found to be engaged in bonus abuse will have their bonuses cancelled and may be permanently closed.
• Discretionary Modification: tayagm reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice. Changes will not affect bonuses already accepted and being actively wagered under the original terms, unless fraud is suspected.

All games available on the tayagm Platform are governed by their individual game rules, which are accessible within each game. The following general rules apply across all game categories:

• Random Number Generation: All electronic casino games on tayagm use certified Random Number Generator (RNG) technology independently audited for fairness. Live dealer games are operated in real time from professional studio environments and are governed by the rules of the respective card game, roulette variant, or other table game format.
• Bet Acceptance: tayagm reserves the right to void and refund any bet placed in error, at incorrect odds, or as a result of a technical malfunction. In sports betting, bets placed after an event has commenced (where live betting is not offered) will be voided.
• Game Malfunction: In the event of a technical malfunction during gameplay, all affected bets will be voided and stakes returned to player accounts. tayagm's decision on the resolution of technical malfunctions is final.
• Minimum and Maximum Bets: Each game has minimum and maximum bet limits which are displayed within the game interface. Bets exceeding the stated maximum may be reduced or refused without notice.
• Currency: All bets are placed and settled in Philippine Peso (PHP). Jackpot amounts and winnings are displayed and paid in PHP.

The following actions are strictly prohibited on the tayagm Platform. Engaging in any of the following may result in immediate account suspension, permanent closure, and forfeiture of balances:

• Providing false, inaccurate, or misleading information during registration or KYC verification.
• Registering more than one account, whether under the same identity or a different name.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with games or the Platform in an unauthorized manner.
• Engaging in any form of collusion with other players, including but not limited to chip dumping in poker or coordinated live dealer betting strategies.
• Exploiting software bugs, errors, or vulnerabilities in games or the Platform to gain an unfair advantage. Any winnings derived from exploiting bugs are void.
• Attempting to launder money or process illicit funds through the Platform.
• Making chargebacks or disputed transactions with your payment provider for funds legitimately transferred to and used at tayagm.
• Using the Platform in any jurisdiction where online gambling is prohibited by law.
• Harassing, threatening, or abusing other players, or tayagm staff, through any communication channel.
• Allowing any third party, including minors, to access your tayagm account.

tayagm is committed to promoting responsible gambling and providing tools that help players maintain control over their gaming activity. We take our obligations under PAGCOR's responsible gaming framework seriously.

The following responsible gaming tools are available to all registered tayagm players directly from the account settings dashboard:

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts. Reductions take effect immediately; increases are subject to a mandatory 48-hour waiting period.
• Loss Limits: Cap the maximum amount you can lose within a defined period.
• Session Time Reminders: Set reminders to notify you after a defined period of continuous play.
• Reality Check Notifications: Receive periodic pop-up notifications showing your net session activity.
• Cooling-Off Period: Temporarily restrict access to your account for a defined period (24 hours, 7 days, or 30 days). This restriction takes effect immediately and cannot be reversed early.
• Self-Exclusion: Permanently or indefinitely exclude yourself from tayagm. Self-exclusion requests take effect within 24 hours of submission and cannot be reversed for a minimum of 6 months.

All content on the tayagm Platform — including but not limited to the tayagm brand name and logo, website design, graphics, software, game interfaces, promotional materials, written content, and data — is the exclusive property of tayagm or its licensors and is protected by applicable Philippine and international intellectual property laws.

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

To the maximum extent permitted by applicable Philippine law, tayagm, its directors, officers, employees, agents, and licensors shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use the Platform.
• Loss of profits, revenue, data, goodwill, or other intangible losses.
• Any unauthorized access to your account resulting from your failure to secure your login credentials.
• Service interruptions, delays, or errors caused by third-party service providers, internet connectivity issues, or force majeure events.
• The accuracy, completeness, or timeliness of sports event data, odds information, or live game results displayed on the Platform.

In jurisdictions where limitations on liability for personal injury or fraudulent misrepresentation are not permitted, tayagm's liability shall be limited to the maximum extent permitted by law. Nothing in these Terms shall exclude liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded under Philippine law.

By You: You may close your tayagm account at any time by contacting our customer support team via live chat. Prior to closure, any remaining balance (subject to wagering requirements and KYC verification) will be processed for withdrawal to your registered payment method.

By tayagm: tayagm reserves the right to suspend, restrict, or permanently close any account at its sole discretion, with or without prior notice, in circumstances including but not limited to:

• Breach of these Terms or any supplemental policies.
• Suspected fraudulent activity, money laundering, or use of stolen payment instruments.
• Failure to complete KYC verification within a reasonable timeframe when requested.
• Court order, regulatory directive, or law enforcement instruction.
• Accounts belonging to or accessed by persons under 21 years of age.

Where an account is closed by tayagm due to suspected fraud or Terms violations, any balance held may be withheld pending investigation. If the investigation clears the account of wrongdoing, legitimate balances will be returned. Balances associated with confirmed fraudulent activity are permanently forfeited.

If you have a complaint or dispute regarding any aspect of the tayagm Platform, you must follow the procedure below:

1. Step 1 — Contact Support: Submit your complaint in writing to tayagm's customer support team via live chat or by email to the address displayed on our contact page. Please include your account username, a description of the issue, and any supporting evidence (e.g., screenshots, transaction references).
2. Step 2 — Internal Review: tayagm will acknowledge your complaint within 48 hours and provide a substantive response within 10 business days. Complex cases may require additional time; you will be notified of any extension.
3. Step 3 — Escalation: If you are not satisfied with tayagm's resolution, you may escalate the complaint to PAGCOR's player protection division. tayagm will cooperate fully with any regulatory investigation.

Game results and transaction records held in tayagm's servers constitute the definitive record for the purpose of resolving disputes. tayagm's decision on complaints, made after good-faith investigation, is final subject only to applicable regulatory review.

tayagm reserves the right to amend these Terms at any time. When material changes are made, we will notify registered users by email and/or by displaying a prominent notice on the Platform. The effective date of the revised Terms will be updated at the top of this page.

Your continued use of the tayagm Platform after the effective date of any amended Terms constitutes your acceptance of the new Terms. If you do not agree to the revised Terms, you must immediately cease use of the Platform and request account closure.

These Terms and any dispute or claim arising out of or in connection with them or their subject matter — including non-contractual disputes or claims — shall be governed by and construed in accordance with the laws of the Republic of the Philippines.

Both parties agree to submit to the exclusive jurisdiction of the competent courts of the Philippines for the resolution of any dispute arising under these Terms that cannot be resolved through tayagm's internal complaints process or regulatory escalation. Nothing in this clause shall prevent either party from seeking urgent injunctive or other equitable relief from a competent court.

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, and the remaining provisions of these Terms shall continue in full force and effect.