This Privacy Policy explains how phmoney collects, uses, stores, and protects the personal information of Filipino players in accordance with the Republic of the Philippines' Data Privacy Act of 2012 (Republic Act No. 10173) and PAGCOR's data governance requirements.
phmoney.vip (hereinafter "phmoney," "we," "us," or "our") is the data controller responsible for the personal information collected from players who register for and use the phmoney Platform. phmoney operates as a PAGCOR-licensed online gaming provider serving players in the Republic of the Philippines. By registering a phmoney Account or using the Platform, you acknowledge that you have read, understood, and accepted this Privacy Policy.
This Privacy Policy is issued in compliance with Republic Act No. 10173 — the Data Privacy Act of 2012 (DPA) — and its Implementing Rules and Regulations, as administered by the National Privacy Commission (NPC) of the Philippines. Where phmoney's data processing obligations arise from PAGCOR licensing requirements, those obligations take precedence in the event of any conflict.
phmoney collects personal information from you in the following categories:
| Purpose | Data Categories Used |
|---|---|
| Account creation and authentication | Registration & Identity Data |
| Age and identity verification (KYC) as required by PAGCOR | Registration & Identity Data |
| Processing deposits and withdrawals via GCash, PayMaya, and bank transfer | Financial & Transaction Data |
| Anti-money laundering (AML) monitoring and suspicious transaction reporting under AMLA | Financial & Transaction Data, Identity Data |
| Detecting and preventing fraud, account takeover, and bonus abuse | All categories |
| Responsible gaming monitoring and player protection | Gameplay & Behavioral Data |
| Customer support and dispute resolution | Communications Data, Transaction Data |
| Sending promotional offers and loyalty program updates (with consent) | Registration Data, Transaction Data |
| Platform improvement and game performance analytics | Gameplay & Technical Data |
| Compliance with PAGCOR reporting and Philippine legal obligations | All categories as required |
phmoney does not sell your personal information to third parties for their own marketing purposes. Personal information is used solely for the purposes described above.
phmoney processes your personal information on the following legal grounds under the Data Privacy Act of 2012:
phmoney shares your personal information only in the following circumstances:
phmoney engages third-party service providers who process personal data on our behalf and under our instruction, including: payment processors (GCash/GXChange, PayMaya/Voyager Innovations, banking partners); KYC and identity verification technology providers; game software providers (JILI, Pragmatic Play, and others) limited to session data required for game delivery; cloud infrastructure and data hosting providers; and customer support platform providers. All service providers are contractually required to process data only as instructed by phmoney and to implement appropriate data security measures.
phmoney is required by law to disclose personal information and transaction records to: PAGCOR upon request pursuant to phmoney's online gambling license; the Anti-Money Laundering Council (AMLC) where transactions trigger mandatory reporting thresholds under the AMLA; and Philippine law enforcement agencies pursuant to a valid court order or legal process.
In the event of a merger, acquisition, or sale of all or part of phmoney's business, player personal information may be transferred to the acquiring entity, subject to the acquiring entity providing equivalent data protection standards. Affected players will be notified in advance of any such transfer.
phmoney uses cookies and similar technologies on phmoney.vip for the following purposes:
You may configure your browser to reject non-essential cookies; however, disabling essential cookies will prevent you from logging in to your phmoney Account. Most mobile browsers on Philippine Android and iOS devices allow cookie management via the browser's privacy settings menu.
phmoney retains personal information for the periods required by law and necessary for the stated processing purposes:
Upon expiry of the applicable retention period, personal information is securely deleted or anonymized. Retention periods may be extended where required for ongoing legal proceedings or regulatory investigations.
phmoney implements technical and organizational measures proportionate to the risk associated with processing player personal information, including:
In the event of a personal data breach that is likely to result in risk to the rights and freedoms of Filipino players, phmoney will notify the National Privacy Commission within seventy-two (72) hours of becoming aware of the breach, and will notify affected players without undue delay, as required by the DPA and NPC Circular 16-03.
As a data subject under the Republic of the Philippines' Data Privacy Act of 2012, you have the following rights with respect to your personal information held by phmoney:
To exercise any of the above rights, please contact phmoney's Data Protection Officer via live chat on the Platform or in writing to the address below. phmoney will respond to verified data subject requests within thirty (30) calendar days.
phmoney services are strictly for persons aged 21 years and older. phmoney does not knowingly collect personal information from individuals under 21 years of age. Age verification controls are applied at registration and reinforced during KYC review. If phmoney becomes aware that personal information has been collected from a person under 21 years of age, such information will be deleted immediately and the Account closed. If you believe a minor has registered a phmoney Account, please contact phmoney support via live chat immediately.
The phmoney Platform may reference or be accessed alongside third-party services — including GCash, PayMaya, and banking partners — that maintain their own privacy policies. phmoney is not responsible for the data practices of third-party services. When you initiate a GCash or PayMaya deposit, you are interacting with those providers' platforms and their respective privacy policies apply to that interaction. phmoney recommends reviewing the privacy policies of any payment provider you use in connection with your phmoney Account.
phmoney's primary data processing infrastructure is hosted within the Philippines. Where phmoney engages service providers whose systems are located outside the Philippines — including certain cloud infrastructure providers and software licensors — such transfers are conducted only to entities that provide a level of protection equivalent to that required under the DPA. Cross-border transfers are governed by data processing agreements that impose the National Privacy Commission's standard contractual clauses or equivalent safeguards. Personal data is never transferred internationally without appropriate legal safeguards in place.
phmoney reserves the right to update this Privacy Policy at any time to reflect changes in applicable Philippine law, NPC guidance, PAGCOR requirements, or phmoney's data processing practices. Material amendments — particularly those that affect your rights or the purposes for which your personal information is processed — will be communicated to registered players via in-platform notification or to your registered contact details not less than fourteen (14) calendar days before the amendment takes effect. Continued use of the Platform after the effective date of an amendment constitutes your acknowledgment of the revised Policy. The current version of this Privacy Policy is always available at phmoney.vip/privacy-policy.
For privacy-related enquiries, data subject access requests, or complaints, please contact phmoney's designated Data Protection Officer:
If you are not satisfied with phmoney's response to your privacy concern, you have the right to lodge a formal complaint with the National Privacy Commission (NPC) of the Philippines at their official channels. The NPC is the independent regulatory authority responsible for enforcing RA 10173 in the Philippines.
Six concrete ways phmoney keeps your personal data and peso balance safe.
Your personal information stored in phmoney's systems is protected with AES-256 encryption — the same standard used by Philippine banks. Even in the event of a breach, your raw data is not readable without the decryption key.
phmoney's data practices are built around the Philippines' Data Privacy Act of 2012. Your rights to access, correct, and delete your data are enforceable, and phmoney is required to respond to your requests within 30 days.
phmoney does not sell your personal information to third-party marketers or data brokers. Your Filipino player data stays within phmoney's ecosystem and is shared only where legally required or operationally necessary.
If a data breach occurs at phmoney, we are legally required to notify the National Privacy Commission within 72 hours and inform affected players without undue delay — not weeks later, not buried in a newsletter.
phmoney has a designated Data Protection Officer (DPO) responsible for overseeing RA 10173 compliance. Filipino players can contact the DPO directly via live chat or email for any privacy concern or data subject request.
phmoney doesn't keep your data forever. Clear retention periods are defined for each data category — from 90-day technical logs to the 5-year AMLA minimum for transaction records. When the period ends, data is securely deleted.
Now you know exactly how phmoney handles your data. Your information is protected, your rights are respected, and your peso balance is secure. Create your account and start playing 1,200+ PAGCOR-licensed games today. 21+ only.
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