23jl Terms & Conditions

In these Terms & Conditions, the following definitions shall apply:

• "23jl," "we," "us," "our" refers to the operator of 23jl.club, a PAGCOR-licensed online gaming platform.
• "Platform" means the 23jl website at 23jl.club, including all games, services, content, and features accessible therein.
• "User," "you," "your" refers to any individual who accesses, registers on, or otherwise uses the 23jl Platform.
• "Account" means the personal account registered by a User on the 23jl Platform.
• "Funds" refers to Philippine Peso (PHP) deposits, winnings, and balances held in a User's 23jl Account.
• "Games" refers to all casino games, live dealer tables, slot machines, bingo, sports betting, and any other gaming products available on the Platform.
• "PAGCOR" refers to the Philippine Amusement and Gaming Corporation, the regulatory body that licenses and supervises 23jl.
• "KYC" means Know Your Customer — the identity verification process required for Account holders.

To register and use the 23jl Platform, you must meet all of the following eligibility requirements at all times:

• You must be at least 21 years of age at the time of registration, in accordance with PAGCOR regulations governing online gaming in the Philippines.
• You must be a natural person — corporate entities, trusts, partnerships, and other legal entities may not register as individual Users.
• You must have the full legal capacity to enter into binding contracts under Philippine law.
• You must not be located in a jurisdiction where online gambling is prohibited by applicable law.
• You must not be a current or former employee, contractor, agent, or affiliate of 23jl or any related entity, or an immediate family member of such person.
• You must not have been previously self-excluded, voluntarily or involuntarily, from 23jl or any other PAGCOR-licensed gaming platform.
• You must not be subject to any national or international sanctions, watchlists, or regulatory prohibitions affecting gaming participation.

Each User may maintain only one (1) active Account on the 23jl Platform. The creation of multiple accounts by a single individual — whether using different email addresses, mobile numbers, device identifiers, or payment methods — is strictly prohibited and constitutes grounds for immediate account termination and forfeiture of all balances.

You represent and warrant that all information provided during registration and at any subsequent time is accurate, complete, and current. You are required to update your Account information promptly if any details change. 23jl shall not be liable for any losses arising from inaccurate account information provided by you.

You are solely responsible for maintaining the confidentiality of your 23jl login credentials. You must notify 23jl immediately upon becoming aware of any unauthorized access to your Account. 23jl will not be liable for losses resulting from unauthorized access attributable to your failure to safeguard your credentials.

23jl is required by PAGCOR regulations to verify the identity of all Account holders before processing withdrawals. Accepted documents include Philippine government-issued IDs such as passports, driver's licenses, UMID cards, and PhilSys National ID. Failure to complete KYC verification within a reasonable period will result in suspension of withdrawal privileges.

23jl accepts deposits through approved payment channels including GCash, Maya (PayMaya), BPI, BDO, Metrobank, and other authorized Philippine payment services. Minimum deposit amounts are set per payment method and displayed at checkout. All deposits are denominated in Philippine Peso (PHP).

Withdrawals may only be made to payment accounts registered in the same name as the verified 23jl Account. Third-party withdrawals are strictly prohibited. 23jl processes withdrawals to GCash and Maya typically within 30 minutes for verified accounts. Bank transfers may take 1–3 business days depending on the receiving institution.

• KYC verification must be completed before any withdrawal is processed.
• Bonus funds are subject to wagering requirements before withdrawal eligibility. Refer to the applicable bonus terms.
• 23jl reserves the right to perform enhanced due diligence checks on withdrawal requests exceeding defined thresholds.
• Deposits made but not wagered at least once may be subject to a processing fee to cover payment gateway costs.

All transactions on the 23jl Platform are processed in Philippine Peso (PHP). 23jl does not accept cryptocurrency deposits or withdrawals. Currency conversion fees are the sole responsibility of the User where applicable.

All bonuses, promotions, free spins, cashback offers, and other promotional incentives offered by 23jl are subject to specific terms and conditions published at the time of the promotion. The following general conditions apply to all 23jl promotions:

• Bonuses are available to eligible, verified 23jl Account holders only, subject to age and residency requirements.
• Each promotion may be claimed once per Account, per household, per IP address, or per device, as specified in the individual offer terms.
• Wagering requirements must be fulfilled before bonus-derived winnings become eligible for withdrawal. Wagering requirements are stated clearly in each promotion's terms.
• 23jl reserves the right to modify, suspend, or terminate any promotion at any time without prior notice, provided that any existing qualifying period is honored.
• Any attempt to abuse bonus offers, including through multiple account creation, collusion, or exploitation of software errors, will result in account suspension and forfeiture of all bonuses and associated winnings.

All games available on the 23jl Platform are subject to their individual game rules, which are accessible within each game interface. The following general gameplay terms apply across all 23jl products:

• Bets placed and accepted by the 23jl system are final. Cancellation of placed bets is not permitted except where the specific game rules expressly allow it.
• In the event of a technical malfunction or disconnection during active gameplay, 23jl's system logs constitute the official record of game outcomes. 23jl will make reasonable efforts to resolve disputes in good faith.
• 23jl uses certified Random Number Generator (RNG) technology for all virtual games. Return-to-Player (RTP) percentages for all games are published and accessible.
• Live dealer game outcomes are determined by the physical actions of the live dealer and casino equipment. 23jl is not responsible for outcomes resulting from standard variance.
• Sports betting odds and lines are set by 23jl's trading team and may be changed at any time. Bets accepted before an odds change remain valid at the accepted odds.

The following conduct is strictly prohibited on the 23jl Platform. Violation of any of these prohibitions will result in immediate account suspension, forfeiture of balances, and may be reported to PAGCOR and relevant law enforcement authorities:

• Registration while under 21 years of age, or allowing a person under 21 to use your Account.
• Creating or operating more than one 23jl Account simultaneously or sequentially.
• Using automated software, bots, scripts, or any mechanical or electronic device to place bets or access the Platform.
• Engaging in money laundering, structuring transactions, or any other conduct that violates the Philippines' Anti-Money Laundering Act (AMLA) or related regulations.
• Colluding with other players, 23jl staff, or third parties to gain an unfair advantage.
• Exploiting software bugs, glitches, or system errors — any winnings derived from known errors are void and subject to recovery.
• Engaging in any form of fraud, including chargeback fraud on deposited funds.
• Impersonating another person or providing false identification documents during KYC verification.
• Accessing the Platform from a restricted jurisdiction using a VPN or other circumvention technology.

All content on the 23jl Platform — including but not limited to the 23jl brand name, logo, website design, game interfaces, text, graphics, software, and audio-visual elements — is the exclusive intellectual property of 23jl 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 23jl Platform for personal, non-commercial gaming purposes only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any 23jl content without prior written authorization.

To the maximum extent permitted by applicable Philippine law, 23jl and its officers, directors, employees, and licensors shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform.
• Loss of funds resulting from unauthorized access to your Account due to your failure to secure your credentials.
• Interruptions to service caused by maintenance, server failures, telecommunications network issues, force majeure events, or factors beyond 23jl's reasonable control.
• Financial losses resulting from gambling outcomes — all gaming involves inherent risk and 23jl does not guarantee any particular outcome.
• Decisions made by Users based on information displayed on the Platform, including odds, statistics, or promotional materials.

23jl is committed to promoting responsible gambling practices among all Filipino players. In accordance with PAGCOR's responsible gaming framework, 23jl provides the following player protection tools, accessible through your Account dashboard:

• Deposit Limits: Set daily, weekly, or monthly limits on the amount you can deposit into your 23jl Account.
• Loss Limits: Establish maximum loss thresholds per session, day, week, or month to prevent excessive losses.
• Session Time Limits: Configure automatic logout after a specified period of continuous play.
• Self-Exclusion: Voluntarily exclude yourself from the Platform for periods ranging from 30 days to permanent exclusion. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period.
• Reality Checks: Receive periodic on-screen notifications displaying your current session duration and net gaming activity.

23jl prohibits the use of credit cards or borrowed funds for gambling. If you believe you may have a gambling problem, we urge you to use our self-exclusion tools and seek support. Visit our Responsible Gaming page for more information and resources available to Filipino players.

23jl reserves the right to suspend, restrict, or permanently terminate any Account, with or without prior notice, for any of the following reasons:

• Breach of any provision of these Terms & Conditions.
• Failure to complete KYC verification within the prescribed period.
• Reasonable suspicion of fraudulent activity, money laundering, or collusion.
• Instruction by PAGCOR or a competent Philippine regulatory authority.
• Account inactivity for a continuous period exceeding 12 months (dormant accounts).
• Discovery that the Account holder is under 21 years of age or otherwise ineligible.

Upon Account termination for legitimate cause, 23jl will return verified real-money balances (excluding bonus funds and disputed amounts) to the Account holder's verified payment method within a reasonable period, subject to completion of any outstanding investigations.

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to Republic Act No. 9487 (PAGCOR Charter), the Civil Code of the Philippines, Republic Act No. 9160 as amended (Anti-Money Laundering Act), and all applicable PAGCOR regulations and issuances.

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall first be subject to good-faith negotiation between the User and 23jl. If the dispute cannot be resolved within thirty (30) days, it shall be submitted to PAGCOR's dispute resolution process, and thereafter to the exclusive jurisdiction of the competent courts of the Philippines.

23jl reserves the right to amend, modify, or replace any part of these Terms & Conditions at any time. Material changes will be communicated to registered Users via email or prominent Platform notification at least seven (7) days before taking effect, except where immediate amendment is required by law or PAGCOR regulatory direction.

Your continued use of the 23jl Platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the amended Terms, you must cease using the Platform and may request account closure with a full balance withdrawal.

For any questions, concerns, or formal communications regarding these Terms & Conditions, please contact 23jl through the following channel: