Your privacy matters to phmoney. This policy explains exactly what personal data we collect, why we collect it, how we use it, and what rights you hold as a Filipino player on our platform.
Last Updated: January 2026You may request a copy of all personal data phmoney holds about you at any time. We will respond to verified data access requests within 15 business days.
If any personal information phmoney holds about you is inaccurate or incomplete, you have the right to request correction. Certain corrections require identity re-verification.
Subject to our legal retention obligations and regulatory requirements, you may request deletion of your personal data. Some data must be retained for AML compliance and cannot be erased on request.
You may object to the processing of your personal data for direct marketing purposes at any time. Objections to marketing are actioned immediately upon receipt of a valid request.
You may request a machine-readable export of personal data you have provided to phmoney, where technically feasible and where processing is based on consent or contractual necessity.
phmoney uses industry-standard encryption, access controls, and monitoring systems to protect your personal data from unauthorised access, disclosure, alteration, or destruction.
This Privacy Policy ("Policy") describes how phmoney ("phmoney", "we", "us", "our") collects, uses, discloses, retains, and protects personal information ("Personal Data") relating to individuals ("you", "your", "Player") who interact with the phmoney website at phmoney.co and all associated services, products, and communications (collectively, the "Platform").
phmoney is committed to handling your Personal Data responsibly, transparently, and in compliance with the Republic Act No. 10173, known as the Data Privacy Act of 2012 of the Philippines ("DPA"), its Implementing Rules and Regulations, and all applicable issuances of the National Privacy Commission ("NPC"). Where our operations involve data subjects outside the Philippines, we also observe internationally recognised data protection principles consistent with those frameworks.
By registering an account on phmoney, accessing or using the Platform, or otherwise engaging with phmoney's services, you acknowledge that you have read and understood this Policy and consent to the collection and processing of your Personal Data as described herein. If you do not agree with the terms of this Policy, you should not use the phmoney Platform.
Plain Language Summary: This Policy explains what information phmoney collects when you use the platform, why we need it, who we might share it with, and what control you have over it. We take your privacy seriously and do not sell your personal data to third parties for their own marketing purposes.
This Policy should be read alongside phmoney's Terms and Conditions and any supplemental privacy notices that may be presented to you at specific points of data collection, such as during account registration or when you participate in a particular promotion.
For the purposes of the Data Privacy Act of 2012 and this Policy, phmoney acts as the Personal Information Controller ("PIC") in respect of the Personal Data it collects and processes in connection with the operation of the phmoney Platform.
As the PIC, phmoney determines the purposes for which and the means by which your Personal Data is processed. phmoney may engage third-party service providers who act as Personal Information Processors ("PIP") on phmoney's instructions. Where phmoney engages PIPs, contractual obligations are in place to ensure that such processors handle your Personal Data only in accordance with phmoney's instructions and applicable law.
For all data privacy matters, including the exercise of your data subject rights, you may contact phmoney's designated Data Protection Officer through the contact details provided in Section 15 of this Policy.
phmoney collects Personal Data through various means, including directly from you during account registration and usage, automatically through your interaction with the Platform, and from third parties such as payment processors and identity verification services. The categories of Personal Data we collect include:
| Category | Examples | Collection Method |
|---|---|---|
| Identity Data | Full legal name, date of birth, nationality, government ID number and type | Provided by you during registration and KYC verification |
| Contact Data | Philippine mobile number, email address (if provided) | Provided by you during registration |
| Financial Data | GCash account reference, PayMaya reference, bank account details (BPI, BDO, Metrobank), transaction history | Provided by you when making deposits or withdrawals |
| KYC Documents | Copies of government-issued photo ID (passport, driver's licence, PhilSys ID, SSS UMID), proof of address documents | Uploaded by you as part of the identity verification process |
| Gaming Activity Data | Wager history, game sessions, win/loss records, bonus usage, betting patterns | Generated automatically through your use of the Platform |
| Device and Technical Data | IP address, browser type and version, device model and operating system, screen resolution, session timestamps | Collected automatically via cookies and server logs |
| Location Data | Country and approximate region derived from IP address; precise location only where you have granted device location permission | Collected automatically and/or via device permissions |
| Communications Data | Records of live chat transcripts, support emails, SMS communications, and survey responses | Generated through your interactions with phmoney's support team |
phmoney does not intentionally collect sensitive personal information as defined under the DPA (such as racial or ethnic origin, health information, or political opinions) unless specifically required for regulatory compliance purposes, in which case such collection will be disclosed to you at the point of collection.
phmoney processes your Personal Data for the following purposes:
phmoney processes your Personal Data on the following legal bases under the Data Privacy Act of 2012:
Note on Consent Withdrawal: You may withdraw consent given to phmoney for marketing communications at any time by contacting the phmoney support team or using the unsubscribe mechanism in any phmoney marketing message. Withdrawal of marketing consent does not affect phmoney's ability to process your data for other purposes where a separate legal basis applies.
phmoney does not sell your Personal Data to third parties for their own marketing or commercial purposes. phmoney may share your Personal Data with the following categories of recipients, strictly as necessary for the purposes described in this Policy:
All third-party recipients with whom phmoney shares your Personal Data are required to handle such data in compliance with applicable Philippine data protection law and, where applicable, phmoney's contractual requirements for data security and confidentiality.
phmoney retains your Personal Data for as long as necessary to fulfil the purposes described in this Policy, subject to applicable legal retention requirements. The following retention periods apply as a general guide:
| Data Category | Retention Period | Basis |
|---|---|---|
| Account and Identity Data | Duration of account plus 5 years following account closure | PAGCOR regulatory requirement; AMLA obligations |
| Financial Transaction Records | Minimum 5 years from transaction date | Anti-Money Laundering Act of the Philippines |
| KYC Documents | 5 years following account closure or last transaction | AMLA and PAGCOR compliance |
| Gaming Activity Logs | 5 years from generation | Regulatory audit trail; dispute resolution |
| Support Communications | 3 years from interaction date | Dispute resolution; legal claims |
| Marketing Consent Records | Duration of consent plus 3 years | Evidential purposes; NPC compliance |
Following the expiry of the applicable retention period, phmoney will securely delete or anonymise your Personal Data unless a longer retention period is required by law. Anonymised data (from which you can no longer be identified) may be retained indefinitely for analytical and reporting purposes.
phmoney uses cookies and similar tracking technologies (including web beacons, pixels, and local storage) on the phmoney Platform to provide core functionality, analyse usage, and enhance the player experience. The categories of cookies used by phmoney include:
You may manage your cookie preferences through your browser settings. Please note that disabling strictly necessary cookies will impair the functionality of the phmoney Platform and may prevent you from accessing certain features, including your account login.
phmoney implements a range of technical and organisational security measures designed to protect your Personal Data against unauthorised access, accidental loss, destruction, or disclosure. These measures include:
Despite these measures, no data transmission over the internet or storage system can be guaranteed to be completely secure. phmoney cannot guarantee the absolute security of your Personal Data and accepts no liability for unauthorised access that results from circumstances beyond our reasonable control. You are responsible for maintaining the security of your phmoney account credentials and for reporting any suspected unauthorised access to phmoney immediately.
The phmoney Platform is strictly intended for individuals who are at least 21 years of age. phmoney does not knowingly collect or process Personal Data relating to individuals under the age of 21. Age verification is a mandatory component of the phmoney account registration process and the KYC procedure.
If phmoney becomes aware that Personal Data has been collected from an individual who is under 21 years of age, phmoney will take immediate steps to close the relevant account, delete or return deposited funds, and permanently delete the Personal Data collected, except where retention is required by applicable law to evidence the underage account and any enforcement action taken.
If you are a parent or guardian and believe your child may have registered an account on phmoney, please contact our support team immediately through the contact details in Section 15 of this Policy.
Under the Data Privacy Act of 2012 of the Philippines, you have the following rights in relation to your Personal Data held by phmoney:
To exercise any of these rights, please submit a written request to phmoney's Data Protection Officer using the contact details in Section 15. phmoney will acknowledge your request within five (5) business days and aim to respond substantively within fifteen (15) business days, subject to identity verification requirements and the nature of the request.
Please note that certain rights are subject to limitations. For example, phmoney cannot erase data that it is legally required to retain under the Anti-Money Laundering Act or PAGCOR regulations. Where a request is declined, phmoney will explain the reason in writing.
With your consent, phmoney may contact you via SMS to your registered Philippine mobile number with promotional offers, bonus notifications, new game announcements, and other marketing communications related to the phmoney Platform. phmoney does not send unsolicited marketing communications and will not use your contact details to market unrelated third-party products or services.
You may opt out of receiving marketing communications from phmoney at any time by:
Opting out of marketing communications does not affect phmoney's ability to send you transactional or service-related communications, such as account security alerts, deposit confirmations, withdrawal notifications, and KYC request notifications, which are sent as part of the contractual relationship and are not subject to marketing opt-out.
Some of phmoney's service providers, including game content providers and technical infrastructure vendors, may be located outside of the Philippines. Where phmoney transfers your Personal Data to recipients in other countries, phmoney takes reasonable steps to ensure that such transfers comply with the Data Privacy Act of 2012 and that appropriate safeguards are in place to protect your Personal Data to a standard equivalent to that afforded under Philippine law.
Such safeguards may include, as applicable: contractual data protection clauses with the recipient, confirmation that the recipient country has been assessed as providing adequate data protection, or other mechanisms recognised by the National Privacy Commission.
By using the phmoney Platform, you acknowledge and consent to the transfer of your Personal Data to recipients outside the Philippines where necessary for the provision of phmoney's services, subject to the safeguards described above.
phmoney may update this Privacy Policy from time to time to reflect changes in our data processing practices, updates to applicable law, or improvements to our Platform. Material changes to this Policy will be communicated to registered phmoney players via their registered mobile number or by prominent notice on the phmoney Platform, with reasonable advance notice where practicable.
The most current version of this Policy will always be available at phmoney.co/privacy-policy, with the date of the most recent revision indicated at the top of the document. Your continued use of the phmoney Platform following the publication of any updated Privacy Policy constitutes your acceptance of the revised Policy.
If you have concerns about any changes to this Privacy Policy, you are encouraged to contact phmoney's Data Protection Officer before continuing to use the Platform. If you do not accept the updated Policy, you should cease using the Platform and may request account closure.
If you have any questions, concerns, or requests relating to this Privacy Policy or to the processing of your Personal Data by phmoney, you may contact our Data Protection Officer or the phmoney support team using the following channels:
phmoney is committed to addressing all data privacy requests and concerns promptly and in good faith. If you are dissatisfied with phmoney's response to a data privacy concern, you have the right to escalate your complaint to the National Privacy Commission of the Philippines at privacy.gov.ph.
This Privacy Policy was last reviewed and updated in January 2026. If you are reading a cached or printed version, please refer to phmoney.co/privacy-policy for the most current version of this document.
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