Please read these Terms & Conditions carefully before using the cowins platform. By accessing or using any part of cowins, you agree to be bound by these terms. If you do not agree, you must not use the platform.
These highlights are for convenience only. The full legal terms below govern your use of cowins.
cowins is strictly for players aged 21 and above, as required by Philippine law and PAGCOR regulations. Creating an account while underage is a violation of these Terms and Philippine gaming law.
Each player may hold only one cowins account. Duplicate accounts are prohibited and may result in suspension of all associated accounts and forfeiture of balances pending investigation.
All deposits, wagers, and withdrawals on cowins are conducted in Philippine Peso (PHP). Accepted payment methods include GCash, PayMaya, and local bank transfers. No cryptocurrency transactions are permitted.
Use of bots, scripts, exploits, or any form of cheating is strictly prohibited on cowins. cowins reserves the right to void winnings and suspend accounts where unfair play is detected.
cowins provides deposit limits, self-exclusion, and cooling-off tools. Players are encouraged to use these features. cowins may impose limits or suspend accounts where problem gambling behavior is identified.
These Terms are governed by the laws of the Republic of the Philippines. Any disputes arising from your use of cowins shall be subject to the exclusive jurisdiction of Philippine courts and PAGCOR's dispute resolution processes.
In these Terms & Conditions, the following definitions apply unless the context requires otherwise:
By accessing the cowins platform, creating an Account, or placing any wager, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety, together with the cowins Privacy Policy and any game-specific rules published on the platform.
These Terms constitute a legally binding agreement between you and cowins. If you do not agree to any part of these Terms, you must immediately cease using the cowins platform and close your Account.
cowins reserves the right to update or amend these Terms at any time. Continued use of the platform following notification of any amendment constitutes your acceptance of the revised Terms.
To register and use cowins, you must satisfy all of the following eligibility requirements at all times:
cowins reserves the right to request proof of eligibility at any time. Failure to provide satisfactory documentation may result in Account suspension and withholding of funds pending investigation.
Each player may register only one (1) Account on cowins. The registration of multiple accounts by a single individual is strictly prohibited and constitutes a material breach of these Terms.
When registering, you agree to provide accurate, current, and complete information. You must promptly update your account information if any details change. cowins is not liable for any loss arising from your failure to maintain accurate account information.
You are solely responsible for maintaining the confidentiality of your cowins login credentials, including your password and any OTP codes. You must not share your login details with any third party. cowins will not be liable for any unauthorized access to your Account resulting from your failure to keep your credentials secure.
cowins may require you to complete KYC verification before processing withdrawals above a specified threshold, as required by PAGCOR and Philippine anti-money laundering regulations. Acceptable KYC documents include a valid Philippine government-issued ID (e.g., PhilSys ID, passport, driver's license, UMID, SSS ID, or voter's ID).
All financial transactions on cowins are conducted in Philippine Peso (PHP). cowins accepts deposits via GCash, PayMaya/Maya, and local bank transfers (BPI, BDO, Metrobank, UnionBank, Landbank, PNB, Security Bank) and debit cards. Cryptocurrency deposits are not accepted and are strictly prohibited.
The minimum deposit amount is ₱100. Deposits are generally credited to your cowins Balance within minutes of confirmation by the payment provider. cowins is not responsible for delays caused by third-party payment processors.
Withdrawal requests are subject to the following conditions:
cowins may offer bonuses, free credits, cashback, and other promotional incentives to players from time to time. All bonuses are subject to specific terms and wagering requirements that will be communicated at the time the promotion is offered.
Unless otherwise stated, bonus funds must be wagered a specified number of times before they or any associated winnings may be withdrawn. cowins reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice.
Abuse of bonuses — including but not limited to creating multiple accounts to claim bonuses, using automated tools, or exploiting promotional terms — constitutes a breach of these Terms and may result in forfeiture of bonus funds and Account suspension.
Each game available on cowins is governed by its own specific rules, which are accessible within the game interface. In the event of any conflict between game-specific rules and these Terms, these Terms shall prevail unless the game rules expressly state otherwise.
cowins uses certified random number generation (RNG) technology for applicable games and works with licensed live dealer studios for live casino products. Return-to-player (RTP) percentages are published within each game's information panel.
In the event of a technical malfunction, disconnection, or system error during gameplay, cowins reserves the right to void the affected round and return the wager to the player's Balance. cowins's decision on such matters is final.
The following conduct is strictly prohibited on cowins and constitutes a material breach of these Terms:
cowins reserves the right to suspend or permanently close any Account found to be in breach of this section, and to withhold any Balance pending investigation and recovery of losses caused by the prohibited conduct.
cowins is committed to promoting responsible gaming among all Filipino players. We recognize that gambling can become harmful for some individuals, and we provide the following tools to help players stay in control:
cowins strictly enforces the 21+ age requirement. If you believe a minor has accessed cowins, please contact us immediately at [email protected].
"Gambling is addictive. Know when to stop." — PAGCOR
For additional responsible gaming resources, please visit our Responsible Gaming page.
All content on the cowins platform — including but not limited to software, game content, graphics, logos, trademarks, text, and design elements — is the intellectual property of cowins or its licensors 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 cowins platform for personal, non-commercial gaming purposes only. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any cowins content without prior written permission from cowins.
To the maximum extent permitted by applicable Philippine law, cowins shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the platform, including but not limited to loss of winnings, loss of data, or loss of goodwill.
cowins does not warrant that the platform will be uninterrupted, error-free, or free of viruses or other harmful components. The platform is provided on an "as is" and "as available" basis. cowins makes no representations or warranties of any kind, express or implied, regarding the operation or availability of the platform.
In jurisdictions where limitation of liability is not permitted, cowins's liability shall be limited to the maximum extent permitted by law. In no event shall cowins's total aggregate liability to you exceed the total amount deposited by you into your cowins Account in the thirty (30) days preceding the event giving rise to the claim.
cowins collects, processes, and stores your personal data in accordance with the cowins Privacy Policy and the requirements of the Philippine Data Privacy Act of 2012 (Republic Act No. 10173). By using cowins, you consent to the collection and processing of your personal data as described in the Privacy Policy.
cowins implements appropriate technical and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction. For full details on how cowins handles your data, please review our Privacy Policy.
cowins reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, cowins will notify registered players via email or an in-platform notification at least seven (7) days before the changes take effect, where practicable.
Your continued use of the cowins platform after the effective date of any amendment 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.
These Terms & Conditions are 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 your use of cowins shall first be submitted to cowins's internal dispute resolution process. If the dispute is not resolved within thirty (30) days, either party may escalate the matter to PAGCOR's dispute resolution mechanism or to the appropriate Philippine courts.
You agree that any legal proceedings shall be conducted exclusively in the courts of the Philippines, and you irrevocably submit to the personal jurisdiction of such courts.
If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the cowins support team. Our support staff are available 24/7 and can assist in English and Filipino.
Email: [email protected]
Please note that the email address above is provided as plain text for reference. For the fastest response, use the live chat feature available within your cowins account dashboard.
Now that you've reviewed the cowins Terms & Conditions, you're ready to enjoy our full game library. Live casino, slots, bingo, and more — all in Philippine Peso. Must be 21 or older.