croyale Terms & Conditions

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

• "croyale," "we," "us," or "the Platform" refers to the online casino gaming platform accessible at croyale.co, operated under a valid PAGCOR license in the Republic of the Philippines.
• "Player," "you," or "your" refers to any natural person who has registered or is seeking to register an account on the croyale platform.
• "Account" means the individual player account created following successful registration, identity verification, and acceptance of these Terms.
• "Wallet" means the PHP-denominated virtual balance held within a player's croyale Account and used to fund gameplay, receive winnings, and initiate withdrawal requests.
• "Bonus Funds" means any promotional credits, free bet amounts, cashback credits, or other non-cash incentives awarded by croyale to a player's Account, as distinct from real money balance.
• "Real Money Balance" means Philippine Peso funds deposited by a player that are not subject to wagering requirements, as distinct from Bonus Funds.
• "Game" means any casino-style gaming product available on the croyale platform, including but not limited to live dealer games, slot games, bingo, keno, and lottery products.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the government authority responsible for regulating all gaming operations within the Philippines.
• "KYC" means Know Your Customer — the identity and age verification process required by PAGCOR regulations and applied to all croyale player accounts before withdrawal eligibility is granted.
• "Prohibited Person" means any individual who is under 21 years of age, located in a jurisdiction where online gambling is prohibited, identified as a self-excluded player, or otherwise disqualified from holding a croyale Account under these Terms.

By accessing the croyale platform, completing the account registration process, making a deposit, or placing a wager — whichever occurs first — you unconditionally accept and agree to be bound by these Terms and Conditions in their entirety, together with croyale's Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

If you do not agree to these Terms, you must not access or use the croyale platform. Your continued use of the platform following any amendment to these Terms constitutes your acceptance of the revised Terms.

croyale reserves the right to require re-acceptance of these Terms at any time, including following material amendments. Where re-acceptance is required, continued use of the platform without completing the re-acceptance process will be treated as constructive acceptance.

To be eligible to open and maintain a croyale Account, you must satisfy all of the following conditions at the time of registration and on a continuous basis thereafter:

1. You are a natural person and not a corporation, partnership, trust, or other legal entity.
2. You are at least 21 years of age. This is the legal minimum age for casino-style gambling in the Philippines as prescribed by PAGCOR regulations.
3. You are a resident of the Philippines or are otherwise accessing the platform from a jurisdiction in which online gambling is legally permitted.
4. You are not a current employee, officer, director, contractor, or immediate family member of an employee, officer, or director of croyale or any affiliated company.
5. You are not a PAGCOR employee or a person disqualified from gambling under Philippine law or any applicable PAGCOR regulation.
6. You have not previously had a croyale Account terminated for breach of these Terms.
7. You are not subject to a self-exclusion arrangement with croyale or under any PAGCOR-administered exclusion program.
8. You have full legal capacity to enter into a binding agreement under Philippine law.

4.1 Registration Requirements

To register a croyale Account, you must provide accurate, current, and complete information including your full legal name as it appears on your Philippine government-issued ID, your date of birth, your registered Philippine mobile number, and a valid email address. You warrant that all information provided is truthful and not misleading.

4.2 One Account Policy

Each player is permitted to hold only one croyale Account. Registering multiple accounts — whether under the same name, different names, shared device identifiers, or shared payment methods — constitutes a material breach of these Terms. croyale reserves the right to close all associated accounts and forfeit all balances held therein.

4.3 KYC Verification

croyale is required by PAGCOR regulations to conduct Know Your Customer verification on all player accounts. KYC requires submission of a clear copy or photograph of a valid Philippine government-issued identification document — acceptable documents include the Philippine National ID (PhilSys), passport, driver's license, Unified Multi-Purpose ID (UMID), SSS ID, or PRC ID — together with a live selfie photograph taken at the time of submission.

Withdrawal of any funds from a croyale Account is conditional upon satisfactory completion of KYC verification. croyale reserves the right to request additional documentation at any time. Accounts where KYC cannot be completed to croyale's satisfaction may be suspended and balances held pending investigation.

4.4 Account Updates

You are responsible for keeping your registered account information current. In particular, you must update your registered Philippine mobile number promptly in the event of any change, as this number is used for two-factor authentication and OTP delivery. croyale accepts no responsibility for access loss resulting from an outdated registered number.

You are solely responsible for maintaining the confidentiality of your croyale Account login credentials, including your password and any one-time PIN (OTP) sent to your registered mobile number. You must not share your password or OTP with any third party under any circumstances.

croyale support staff will never request your password or OTP via any communication channel. Any request for these credentials is a fraudulent impersonation attempt and should be reported to croyale immediately via the live chat support available in your Account dashboard.

All activity that occurs under your croyale Account — including deposits, wagers, and withdrawal requests — will be treated as having been conducted by you unless you have previously notified croyale of unauthorised access. croyale accepts no liability for losses arising from your failure to maintain credential security.

6.1 Deposits

croyale accepts deposits via the payment methods listed on the platform's Deposit page, which currently includes GCash, Maya, BPI, BDO, UnionBank, Metrobank, 7-Eleven, USDT, and Coins.ph. All deposits are processed in Philippine Peso. The minimum deposit is ₱100. croyale does not charge deposit fees, however your payment provider may impose its own transaction fees.

You warrant that all funds deposited into your croyale Wallet are from a payment method registered in your own name. Deposits from third-party payment methods are strictly prohibited. croyale reserves the right to return and void any deposit made from a payment method that cannot be verified as belonging to the Account holder.

6.2 Withdrawals

Withdrawal requests may only be submitted to a payment method registered in your name and previously used to deposit into your Account, or such other verified method as croyale may approve following KYC review. The minimum withdrawal amount is ₱200. Withdrawals are processed in Philippine Peso only.

Withdrawal requests are subject to croyale's anti-money laundering review process. croyale reserves the right to delay any withdrawal pending additional verification. Withdrawal of Bonus Funds is subject to the wagering requirements described in Section 7.

6.3 Anti-Money Laundering

croyale is subject to anti-money laundering regulations applicable to PAGCOR-licensed operators. croyale may request source-of-funds documentation for large deposits or withdrawals. Failure to provide satisfactory documentation may result in the suspension of withdrawal processing and referral to the appropriate regulatory authority.

croyale may from time to time offer bonuses, free bets, cashback credits, loyalty rewards, and other promotional incentives to eligible players. All such offers are subject to the specific terms and conditions published with each promotion, which are incorporated into these Terms by reference.

7.1 General Bonus Terms

• Bonus Funds are credited to a separate promotional balance within your Wallet and are distinct from your Real Money Balance.
• Bonus Funds are subject to a wagering requirement, the applicable multiplier for which is stated in each promotion's specific terms. Unless otherwise stated, the default wagering requirement is 30x the bonus amount.
• Bonus wagering requirements must be completed within the validity period stated in the promotion. Uncompleted bonuses expire at the end of the validity period.
• Real Money Balance is wagered before Bonus Funds unless the player has no Real Money Balance, in which case Bonus Funds are used.
• Maximum bet per spin or round while wagering a bonus is ₱500 unless the specific promotion states otherwise. Bets exceeding this limit during bonus wagering may result in the forfeiture of the bonus and any associated winnings.

7.2 Bonus Abuse

croyale actively monitors for bonus abuse, including but not limited to: creating multiple accounts to claim the same promotion, using low-variance betting strategies designed to extract bonus value with minimal risk, employing automated software or bots, and collusion between players. Any Account found to be engaging in bonus abuse will have the bonus forfeited and may be permanently suspended.

Each Game available on the croyale platform is governed by its own individual game rules, which are accessible within the game interface. By participating in any Game, you agree to the applicable game rules in addition to these Terms.

8.1 Game Integrity

All non-live Games on the croyale platform use a Random Number Generator (RNG) that has been independently tested and certified to ensure genuinely random, unmanipulated outcomes. Live dealer Games are conducted by trained dealers operating under PAGCOR-compliant studio conditions. croyale does not alter game outcomes in response to player behaviour, bet size, or account history.

8.2 Game Malfunctions

In the event of a technical malfunction — including a disconnection during a live dealer game round, a software error affecting a game outcome, or a system failure that interrupts a wagered round — croyale will attempt to reconstruct the game state from server logs. Where reconstruction is not possible, the affected wager will be voided and the wagered amount returned to the player's Wallet. croyale's determination regarding malfunction outcomes is final, subject to PAGCOR dispute procedures.

8.3 Bet Limits

Minimum and maximum bet limits apply to all Games and are displayed within the game interface. croyale reserves the right to amend bet limits at any time and to impose individual player limits at its discretion, particularly in the context of responsible gaming interventions.

The following conduct is strictly prohibited on the croyale platform and constitutes a material breach of these Terms:

1. Providing false, misleading, or fraudulent information during registration or at any subsequent point.
2. Accessing the platform while under the age of 21 or while subject to a self-exclusion arrangement.
3. Opening or operating multiple Accounts, or opening an Account on behalf of a third party.
4. Using automated software, bots, scripts, or artificial intelligence tools to interact with any Game or platform function.
5. Engaging in collusion with other players or with croyale employees to gain an unfair advantage.
6. Exploiting software bugs, errors, or vulnerabilities for financial gain. Any winnings generated through exploitation of a known bug must be reported and will be voided.
7. Conducting or facilitating money laundering, terrorist financing, or any other unlawful financial activity through the croyale platform.
8. Depositing funds that are proceeds of crime or that are otherwise unlawfully obtained.
9. Attempting to reverse, chargeback, or dispute a legitimate croyale transaction with a payment provider.
10. Abusing, threatening, or harassing croyale staff or other players through any platform communication channel.

croyale is committed to providing a safe and responsible gaming environment for all Filipino players. Gambling is intended to be a form of entertainment. croyale strongly encourages all players to gamble responsibly, within their financial means, and to seek help if gambling is causing harm.

10.1 Player Controls

All croyale Account holders may access the following responsible gaming tools from their Account settings at any time, free of charge:

• Deposit Limits: Daily, weekly, or monthly limits on the total amount that may be deposited. Deposit limit reductions take effect immediately; increases are subject to a 24-hour cooling-off period.
• Session Time Limits: Configurable alerts that notify you when you have been playing for a specified continuous period.
• Reality Check: Pop-up summaries of session duration, total wagered, and net win/loss at player-configured intervals.
• Self-Exclusion: Voluntary exclusion from the platform for a minimum of 30 days, or up to and including a permanent exclusion. Self-exclusion takes effect immediately upon request and cannot be reversed during the exclusion period.

10.2 Underage Gambling Prevention

croyale enforces the 21+ age requirement rigorously. Age verification is conducted during KYC review. Where croyale has reasonable grounds to suspect that an Account holder may be under 21 years of age, the Account will be suspended pending verification regardless of whether a formal KYC request has previously been satisfied.

All winnings generated by a player subsequently found to be under 21 years of age at the time of play will be voided and, where applicable, returned to the payment method used to fund the Account. croyale may report suspected underage gambling to PAGCOR.

All content on the croyale platform — including but not limited to the croyale brand name, logo, platform design, user interface, game graphics, software, written content, and promotional materials — is the exclusive property of croyale or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the croyale platform solely for your personal, non-commercial gaming activities in accordance with these Terms. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any croyale content without prior written authorisation.

Third-party game content available on the croyale platform is licensed to croyale by the respective game providers. All rights in third-party content are reserved by the respective rights holders.

To the fullest extent permitted by Philippine law, croyale's aggregate liability to any player for all claims arising out of or related to these Terms or the player's use of the platform shall not exceed the total amount deposited by that player into their croyale Wallet in the twelve (12) months immediately preceding the event giving rise to the claim.

croyale shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to: (a) interruptions to the platform due to maintenance, technical failures, or circumstances beyond croyale's reasonable control; (b) losses resulting from the player's failure to maintain Account security; (c) the player's violation of these Terms; (d) decisions made by the player in the course of gameplay; or (e) any change in Philippine law or PAGCOR regulation that affects the platform's operations.

Voluntary Closure: You may request to close your croyale Account at any time by contacting support via the Account dashboard live chat. Account closure will be processed following settlement of all pending bets and withdrawal of any Real Money Balance. Bonus Funds are forfeited upon voluntary closure.

Suspension by croyale: croyale reserves the right to suspend or permanently close any Account, with or without prior notice, in any of the following circumstances:

• Breach or suspected breach of any provision of these Terms.
• Suspected fraudulent activity, money laundering, or other unlawful conduct.
• Failure to complete KYC verification within a reasonable period following request.
• Receipt of a PAGCOR or law enforcement instruction to suspend the Account.
• Discovery that the Account holder is a Prohibited Person.
• Technical, legal, or regulatory circumstances that require croyale to take protective action.

Where an Account is suspended pending investigation, any Real Money Balance will be held and not forfeited pending the outcome of the investigation, unless the investigation reveals conduct that warrants forfeiture under these Terms. croyale will endeavour to communicate the outcome of any investigation within 30 calendar days.

croyale reserves the right to amend these Terms and Conditions at any time. Amendments will be published on this page with an updated effective date. For material amendments, croyale will endeavour to provide at least 7 calendar days' advance notice to registered players via the contact information held on their Account.

Your continued use of the croyale platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept an amendment, you must cease using the platform and may request Account closure prior to the amendment's effective date.

These Terms and Conditions 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.

In the event of a dispute between a player and croyale, the player should first contact croyale's support team via the Account dashboard live chat to seek informal resolution. croyale will endeavour to respond to all formal complaints within 5 business days.

If a dispute cannot be resolved through the informal process, either party may refer the matter to PAGCOR under its applicable dispute resolution procedures. Players may also seek resolution through the appropriate Philippine courts of competent jurisdiction.

Nothing in this clause shall limit a player's rights under applicable mandatory Philippine consumer protection legislation.

If you have questions about these Terms and Conditions, or wish to raise a formal complaint, please contact croyale through the following channel:

Support Email: [email protected]
Live Chat: Available 24 hours a day, 7 days a week, from your Account dashboard.
Response Time: croyale aims to acknowledge all enquiries within 24 hours and to provide a full response within 5 business days.

croyale operates under a valid PAGCOR license. This platform is intended for the exclusive use of Filipino players aged 21 and above. Gambling is a form of entertainment. Please gamble responsibly.