Terms &
Conditions

1. Acceptance of Terms

By accessing, registering on, or using any part of the okcard platform — including the website at okcard.app, any associated mobile interfaces, and all products and services offered therein — you ("the Player," "you," or "User") confirm that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"), together with our Privacy Policy and any additional rules, guidelines, or policies referenced herein or published on the okcard platform from time to time.

If you do not agree to any part of these Terms, you must immediately cease using the okcard platform. Continued use of the platform following any published amendment constitutes your acceptance of the revised Terms.

2. Eligibility

To register for and use an okcard account, you must satisfy all of the following eligibility requirements at the time of registration and at all times during which you maintain an active account:

• You must be at least 21 years of age. This is a mandatory requirement under applicable Philippine gaming laws and PAGCOR compliance obligations. There are no exceptions to this age requirement.
• You must be a natural person (not a corporation, trust, partnership, or other legal entity).
• You must have full legal capacity to enter into a binding contract under Philippine law.
• You must not be a resident of any jurisdiction in which participation in online gambling is prohibited by local law.
• You must not be an employee, officer, director, contractor, agent, or close relative (spouse, sibling, child, parent) of okcard or any affiliated entity.
• You must not be a person who has been self-excluded from okcard or any PAGCOR-regulated gaming platform where such exclusion remains in effect.
• You must be acting on your own behalf and not as an agent, proxy, or nominee for any other person.

okcard reserves the right to request proof of eligibility at any time. Failure to provide satisfactory documentation of eligibility within a reasonable timeframe may result in account suspension and withholding of any pending withdrawals pending resolution.

3. Account Registration

3.1 Registration Process

To participate in any real-money gaming or sports betting activity on okcard, you must complete the account registration process. Registration requires you to provide accurate, current, and complete information, including your full legal name, date of birth, Philippine mobile number, and a valid email address.

3.2 One Account Policy

Each individual may register and maintain only one okcard account. Opening, operating, or attempting to operate more than one account — whether under the same or different identities — constitutes a material breach of these Terms. okcard will suspend all duplicate accounts and may forfeit any balances held therein.

3.3 KYC Verification

Before processing any withdrawal, okcard will require the Player to complete Know Your Customer ("KYC") verification. Acceptable Philippine government-issued identification documents include:

• Philippine Statistics Authority (PSA) National ID (PhilSys)
• Driver's License issued by the Land Transportation Office (LTO)
• Philippine Passport
• Social Security System (SSS) Card
• Government Service Insurance System (GSIS) eCard
• Unified Multi-Purpose ID (UMID )
• Voter's ID issued by the Commission on Elections (COMELEC)
• Professional Regulation Commission (PRC) ID

okcard may request additional supporting documentation — such as proof of address, source of funds, or a selfie with the presented ID — at its sole discretion. KYC verification is a regulatory requirement and is non-negotiable.

3.4 Accuracy of Information

You are responsible for ensuring all information provided during registration and subsequently updated in your account profile is accurate and current. Providing false, misleading, or incomplete information is a violation of these Terms and may result in immediate account termination and forfeiture of balances.

4. Account Security

You are solely responsible for maintaining the confidentiality of your okcard account credentials, including your username, password, and any one-time passwords or authentication codes issued to your registered mobile number. You must not share your account credentials with any other person under any circumstances.

okcard will never contact you by phone, email, or chat to request your password or full authentication credentials. Any communication purporting to be from okcard and requesting such information should be treated as fraudulent and reported to our support team immediately.

You must notify okcard immediately upon becoming aware of any unauthorised access to or use of your account. okcard will not be liable for any losses arising from unauthorised account access where you have failed to take reasonable steps to protect your credentials or where you have shared your credentials with another person.

5. Deposits & Withdrawals

5.1 Deposits

okcard accepts deposits via GCash, Maya (formerly PayMaya), GrabPay, BPI, BDO, Metrobank, InstaPay, and QR Ph. Minimum and maximum deposit limits apply and are displayed in the okcard cashier at the time of transaction. All deposits must be funded from payment accounts registered in the Player's own name. Third-party deposits are not permitted.

Deposits are credited to your okcard wallet promptly upon confirmation from the relevant payment provider. okcard is not responsible for delays caused by third-party payment networks, bank processing times, or e-wallet system outages.

5.2 Withdrawals

Withdrawal requests are processed subject to successful KYC verification. Withdrawals will be made to the same payment method used for the corresponding deposit where technically possible. okcard targets withdrawal processing within 5 to 30 minutes for GCash and Maya transactions under normal operating conditions; bank transfer withdrawals may take one to three business days depending on the receiving institution.

okcard reserves the right to conduct additional security and fraud checks prior to approving any withdrawal. During such reviews, the withdrawal request may be placed on hold. The Player will be notified of any hold and the reason for it where disclosure is permissible.

5.3 Currency

All transactions on the okcard platform are denominated in Philippine Peso (PHP / ₱) unless otherwise stated. Currency conversion charges imposed by third-party payment providers are the responsibility of the Player.

5.4 Anti-Money Laundering

okcard is committed to compliance with applicable Philippine anti-money laundering ("AML") laws and regulations. We reserve the right to report suspicious transactions to the relevant Philippine authorities and to place holds on accounts suspected of being involved in money laundering, fraud, or other financial crime. Depositing funds for purposes other than genuine gaming activity is strictly prohibited.

6. Bonuses & Promotions

6.1 General Bonus Terms

okcard offers various promotional bonuses, reload bonuses, free bets, cashback offers, and loyalty rewards from time to time. All promotions are subject to their individual terms and conditions, which are published on the relevant promotion page and form part of these Terms by reference.

6.2 Wagering Requirements

Unless explicitly stated otherwise in a promotion's specific terms, all bonuses credited to a Player's account are subject to a wagering requirement before any associated winnings may be withdrawn. The applicable wagering multiplier will be stated in the promotion terms. Failure to meet the wagering requirement within the stated validity period will result in the bonus and any associated winnings being removed from the account.

6.3 Bonus Eligibility

Bonuses are available only to Players who meet the eligibility criteria stated in the relevant promotion terms. okcard reserves the right to withdraw any bonus offer, modify its terms, or disqualify any Player from a promotion at its sole discretion where it has reason to believe the Player is abusing the promotional system, colluding with other players, or otherwise acting in bad faith.

6.4 Bonus Abuse

Bonus abuse — including but not limited to creating multiple accounts to claim the same offer, using automated betting patterns designed to exploit bonus terms, or coordinating with other players to manipulate promotional outcomes — is strictly prohibited and constitutes grounds for immediate account termination and forfeiture of all balances.

7. Gameplay Rules

Each game type available on the okcard platform — including live casino games, slots, sports betting, fishing arcade games, bingo, and keno — is governed by its own set of game rules, which are made available within the relevant game interface or product section. In the event of any conflict between game-specific rules and these Terms, these Terms shall prevail.

All bets and wagers placed on okcard are final once confirmed. okcard shall not be responsible for errors in Player input, including incorrect stake amounts, incorrect selections, or bets placed on the wrong event or outcome. Players are responsible for reviewing their bet slip before confirming any wager.

In the event of a technical malfunction, system error, or interruption during gameplay that materially affects the outcome of a game or bet, okcard reserves the right to void the affected round or bet and return the relevant stake to the Player's wallet. This is the Player's sole remedy in such circumstances.

okcard uses certified Random Number Generator (RNG) technology for applicable games to ensure that all outcomes are fair, unpredictable, and independent of prior results. Sports betting odds reflect the probability of outcomes as assessed by the okcard trading team and are subject to change up until the moment a market closes.

8. Prohibited Conduct

The following conduct is strictly prohibited on the okcard platform. Engaging in any of the following may result in immediate account suspension, permanent termination, forfeiture of balances, and referral to Philippine law enforcement authorities where applicable:

• Opening or operating more than one account
• Providing false, forged, or misleading personal or identity information
• Using software, bots, scripts, or automated tools to interact with the platform in any way not explicitly permitted
• Exploiting software bugs, errors, or vulnerabilities for financial gain; any winnings derived from exploiting a known or unknown bug are void
• Collusion with other Players, including sharing information to gain an unfair advantage in poker or live dealer games
• Match-fixing, spot-fixing, or any conduct intended to manipulate the outcome of a sporting event covered by the okcard sportsbook
• Using the platform for any purpose related to money laundering, fraud, or any other criminal activity
• Accessing the platform from a jurisdiction in which online gambling is prohibited
• Allowing or permitting another person to access or use your okcard account
• Engaging in abusive, threatening, or offensive conduct toward okcard support staff or other Players
• Attempting to reverse-engineer, decompile, or otherwise extract the source code of any okcard software

9. Intellectual Property

All content on the okcard platform — including but not limited to the okcard name and logo, website design, graphics, text, software, game content, promotional materials, and all other intellectual property — is owned by or licensed to okcard 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 okcard platform solely for your personal, non-commercial entertainment purposes in accordance with these Terms. This licence does not include any right to reproduce, copy, distribute, sell, modify, create derivative works from, or commercially exploit any content on the platform.

Any unauthorised use of okcard intellectual property may give rise to a claim for damages and may constitute a criminal offence under Philippine law.

10. Privacy & Data Protection

okcard collects, processes, and stores personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By agreeing to these Terms, you also acknowledge and accept the okcard Privacy Policy.

okcard processes personal data for purposes including account management, KYC verification, payment processing, fraud prevention, regulatory compliance, customer support, and, where you have consented, marketing communications. Your data will not be sold to third parties for their independent marketing purposes.

For full details of how okcard handles your personal information, your rights under the Data Privacy Act of 2012 (Republic Act No. 10173), and how to exercise those rights, please review the Privacy Policy.

11. Limitation of Liability

To the fullest extent permitted by applicable Philippine law, okcard, its directors, officers, employees, agents, and licensors shall not be liable to you for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the okcard platform — including but not limited to loss of winnings, loss of data, loss of goodwill, or business interruption — even if okcard has been advised of the possibility of such damages.

okcard's total aggregate liability to any Player in respect of any claim arising from or related to these Terms or the use of the okcard platform shall not exceed the total amount deposited by that Player in the thirty (30) days immediately preceding the event giving rise to the claim.

Nothing in these Terms shall limit or exclude okcard's liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable Philippine law.

12. Suspension & Termination

12.1 Termination by You

You may close your okcard account at any time by contacting the customer support team. Upon closure, any verified real-money balance remaining in your wallet (net of any outstanding bonus wagering requirements) will be refunded to your registered payment method within a reasonable timeframe, subject to completion of KYC verification.

12.2 Suspension or Termination by okcard

okcard reserves the right to suspend, restrict, or permanently close any account, with or without prior notice, in any of the following circumstances:

• Breach of any provision of these Terms
• Suspected fraud, money laundering, or other illegal activity
• Failure to pass or complete KYC verification within a required timeframe
• Discovery that the Player is or was under 21 years of age
• Regulatory requirement or instruction from a competent Philippine authority
• Reasonable suspicion that the Player is located in a prohibited jurisdiction
• Prolonged inactivity (accounts inactive for 12 consecutive months may be classified as dormant; Players will be notified before any dormancy fee is applied)

12.3 Effect of Termination

Upon termination for a breach of these Terms, okcard may, at its sole discretion, void any outstanding bets and forfeit any balance remaining in the account. Any winnings derived from conduct that constitutes a breach of these Terms are not payable.

13. Responsible Gaming

okcard is committed to promoting responsible gambling among Filipino players. Gambling is intended to be a form of entertainment and must never be viewed as a reliable source of income or a means of resolving financial difficulties.

okcard provides the following responsible gaming tools, accessible from within your account dashboard:

• Deposit Limits: Set daily, weekly, or monthly caps on the amount you can deposit into your okcard wallet.
• Loss Limits: Define the maximum amount you are willing to lose within a specified period.
• Session Time Limits: Set a maximum duration for each gaming session; okcard will alert you when your limit is reached.
• Cooling-Off Period: Temporarily suspend your account for a defined period of between 24 hours and 6 weeks.
• Self-Exclusion: Request permanent or long-term exclusion from the okcard platform. Self-exclusion requests are processed promptly and cannot be reversed during the exclusion period.
• Reality Check: Enable periodic on-screen reminders of how long you have been playing and your net win or loss position for the session.

Players who believe they may have a gambling problem are encouraged to seek support from qualified organisations and to make use of the self-exclusion tools available on the Responsible Gaming page.

14. Amendments to These Terms

okcard reserves the right to amend, update, or replace these Terms at any time. Where changes are material, okcard will provide reasonable advance notice to registered Players via email to the address on file or via an in-platform notification. The revised Terms will display the updated effective date at the top of this page.

Your continued use of the okcard platform after the effective date of any revised Terms constitutes your binding acceptance of those revisions. If you do not agree to the revised Terms, you must stop using the platform and may request account closure in accordance with Section 12.1.

15. Governing Law & Dispute Resolution

These Terms and any dispute, claim, or controversy arising out of or in connection with them — including their existence, validity, interpretation, performance, breach, or termination — shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles.

In the event of any dispute between you and okcard, both parties agree to first attempt to resolve the matter amicably through okcard's customer support channels. If the dispute cannot be resolved informally within thirty (30) days, either party may pursue resolution through the appropriate Philippine courts or regulatory bodies having jurisdiction over the subject matter.

Any claim must be filed within one (1) year of the date on which the cause of action arose. Claims filed after this period are time-barred.

16. Contact Information

If you have any questions, concerns, or complaints regarding these Terms or your okcard account, please contact the support team through the live chat feature available on the okcard platform, or via the following email address:

Email: [email protected]

Our support team is staffed by Filipino specialists and is available 24 hours a day, 7 days a week, including Philippine public holidays.

These Terms & Conditions were last reviewed and updated on 1 January 2026. Previous versions are available upon written request submitted to the email address above.