lotobet Terms & Conditions

By accessing, registering on, or using the lotobet website located at lotobet.club (the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (the "Agreement"), together with lotobet's Privacy Policy and Responsible Gaming Policy, all of which are incorporated herein by reference.

If you do not agree to any part of this Agreement, you must immediately cease using the lotobet Platform. lotobet reserves the right to modify these Terms and Conditions at any time. Continued use of the Platform following the posting of any changes constitutes your acceptance of those changes.

These Terms and Conditions apply to all users of the lotobet Platform, including visitors, registered members, and any person who accesses any content, feature, or service made available through lotobet. The term "lotobet," "we," "us," or "our" refers to the operator of the lotobet Platform. The term "you" or "user" refers to any individual accessing or using the Platform.

To be eligible to register and use the lotobet Platform, you must satisfy all of the following conditions at the time of registration and at all times during your use of the Platform:

• You are at least 21 years of age.
• You are a resident of or physically located in the Republic of the Philippines at the time of play.
• You are legally capable of entering into a binding contract under Philippine law.
• You are not a PAGCOR employee, lotobet employee, or an immediate family member of either.
• You are not subject to any self-exclusion order, whether voluntary or imposed by a regulatory authority.
• You are not accessing the Platform from a jurisdiction where online gambling is prohibited.
• You have not previously had a lotobet account terminated for breach of these Terms.

lotobet reserves the right to request proof of age and identity at any time. Failure to provide satisfactory documentation may result in the suspension or permanent closure of your account and the forfeiture of any pending withdrawals pending investigation.

Each user is permitted to hold only one (1) lotobet account. The creation of multiple accounts by a single individual is strictly prohibited and constitutes grounds for immediate account termination and forfeiture of all balances. If you have forgotten your login credentials, use the password recovery function rather than creating a new account.

When registering for a lotobet account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the accuracy of your registration information and must promptly update any information that changes. lotobet is not liable for any loss or damage arising from your failure to maintain accurate account information.

• Username and Password: You are solely responsible for maintaining the confidentiality of your lotobet login credentials. Do not share your password with any third party.
• KYC Verification: lotobet is required by PAGCOR regulations to verify the identity of all account holders. You must submit a valid Philippine government-issued ID (PhilSys, passport, driver's license, SSS, GSIS, or PRC card) before withdrawals are processed.
• One Account Per Household: Only one lotobet account is permitted per household address, IP address, device, or shared payment method.
• Account Security: You must notify lotobet immediately if you suspect unauthorized access to your account. lotobet is not responsible for losses resulting from unauthorized use of your account where you have failed to maintain adequate security of your credentials.

All transactions on the lotobet Platform are conducted in Philippine Peso (PHP / ₱). lotobet does not accept foreign currencies, and no currency conversion is applied to your account balance.

lotobet accepts the following payment methods for deposits and withdrawals, subject to availability and applicable limits:

• GCash — Instant deposits and withdrawals (subject to GCash daily limits)
• PayMaya / Maya — Instant deposits and withdrawals
• Bank Transfer — BPI, BDO, Metrobank, UnionBank, Landbank, PNB, Security Bank (1–3 banking days)
• Debit Card — Visa/Mastercard debit cards linked to Philippine bank accounts

The minimum deposit amount is ₱100. Minimum withdrawal amounts and processing times vary by payment method and are displayed in your lotobet account dashboard. Withdrawals will only be processed to the same payment method used for the corresponding deposit (the "same-source rule"), subject to lotobet's anti-money laundering obligations.

lotobet may offer bonuses, free spins, cashback, and other promotional incentives to registered users from time to time. All bonuses are subject to specific terms and wagering requirements that will be communicated at the time the bonus is offered. The following general conditions apply to all lotobet bonuses:

• Bonuses are available to eligible Philippine residents aged 21 and above only.
• Each bonus offer may only be claimed once per user, household, IP address, or device unless otherwise stated.
• Wagering requirements must be met before bonus funds or winnings derived from bonus funds can be withdrawn. The applicable wagering multiplier will be stated in the specific bonus terms.
• lotobet reserves the right to withdraw any bonus offer at any time without prior notice.
• Bonuses obtained through fraudulent means, including the use of multiple accounts, will be forfeited and the account may be terminated.
• lotobet's decision on all bonus-related matters is final and binding.

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

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

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

To the maximum extent permitted by applicable Philippine law, lotobet, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the lotobet Platform, including but not limited to loss of winnings, loss of data, or loss of goodwill.

lotobet makes no warranty, express or implied, regarding the accuracy, completeness, or fitness for a particular purpose of any content on the Platform. Your use of the lotobet Platform is entirely at your own risk.

lotobet provides the following responsible gaming tools to all registered users, free of charge:

• Deposit Limits: Set daily, weekly, or monthly deposit caps on your account.
• Session Time Limits: Receive automatic alerts and session cutoffs after a defined play period.
• Loss Limits: Cap the maximum amount you can lose within a defined period.
• Cooling-Off Period: Temporarily suspend your account for 24 hours, 7 days, or 30 days.
• Self-Exclusion: Permanently or indefinitely close your account. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period.

For more information on responsible gaming tools and external support resources, please visit the Responsible Gaming page. lotobet is strictly a 21+ platform. Gambling is not a solution to financial problems.

lotobet reserves the right to suspend, restrict, or permanently terminate any user account at its sole discretion, with or without prior notice, for any of the following reasons:

• Breach of any provision of these Terms and Conditions.
• Provision of false, inaccurate, or misleading registration or KYC information.
• Suspected fraudulent activity, money laundering, or collusion.
• Failure to complete identity verification within the required timeframe.
• Receipt of a self-exclusion request from the account holder.
• Direction from PAGCOR or any competent Philippine regulatory or law enforcement authority.

Upon termination for cause, lotobet reserves the right to withhold any balance pending investigation. Where termination is not due to user fault, any verified balance will be returned to the user's registered payment method within a reasonable timeframe.

These Terms and Conditions 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, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall be subject to the exclusive jurisdiction of the competent courts of Makati City, Metro Manila, Philippines.

Before initiating any formal legal proceedings, you agree to first contact lotobet's customer support team to attempt to resolve the dispute informally. lotobet will use reasonable efforts to resolve any complaint within fifteen (15) business days of receipt.

lotobet reserves the right to amend, update, or replace these Terms and Conditions at any time. When material changes are made, lotobet will notify registered users via email or a prominent notice on the Platform at least seven (7) days before the changes take effect, where practicable.

Your continued use of the lotobet 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 by contacting lotobet support.

Document version: T&C-2026-01 · Effective: January 1, 2026 · Jurisdiction: Republic of the Philippines