okolay Terms & Conditions

1 Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player", "User", "you") and okolay ("okolay", "we", "us", "our"), the operator of the online gaming platform accessible at okolay.org and its associated subdomains, mobile applications, and related services (collectively, the "Platform").

By accessing, registering on, or using any part of the okolay Platform — including browsing the website, creating an account, making a deposit, placing a wager, claiming a bonus, or contacting our support team — you confirm that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and any game-specific or promotion-specific rules published on the Platform from time to time.

If you do not agree to any provision of these Terms, you must immediately cease all use of the okolay Platform. Continued use of the Platform following the posting of updated Terms constitutes your acceptance of those changes.

2 Definitions

For the purposes of these Terms, the following definitions apply:

• "Account" means the personal account registered by a Player on the okolay Platform for the purpose of accessing games and services.
• "Balance" means the total of real-money funds held in a Player's Account at any given time, excluding bonus funds unless explicitly stated.
• "Bonus Funds" means promotional credits awarded to a Player's Account that are subject to wagering requirements before they may be withdrawn.
• "KYC" (Know Your Customer) means the identity verification process required by PAGCOR regulations and okolay's internal compliance policy before a Player may withdraw funds or access certain Account features.
• "PAGCOR" means the Philippine Amusement and Gaming Corporation, the government body responsible for regulating gaming activities in the Philippines.
• "PHP" means Philippine Peso, the currency in which all transactions on the okolay Platform are denominated.
• "Platform" means the okolay website, mobile interfaces, gaming software, payment systems, and all associated digital services collectively.
• "Wagering Requirement" means the minimum amount a Player must wager using bonus funds before those funds become eligible for withdrawal, as specified in the applicable promotion terms.

3 Eligibility and Registration

3.1 Age Requirement

The okolay Platform is strictly for individuals who are at least twenty-one (21) years of age. This minimum age is consistent with PAGCOR's requirements for online casino gaming in the Philippines. By registering an Account, you represent and warrant that you are 21 years of age or older. okolay reserves the right to request proof of age at any time and to suspend or permanently close any Account where the age requirement is not satisfied.

3.2 Jurisdictional Eligibility

You represent that you are accessing the okolay Platform from a jurisdiction where online gambling is legal, and that your use of the Platform does not violate any applicable law in your jurisdiction. It is your sole responsibility to ensure that your use of the Platform complies with all local, national, and international laws applicable to you.

3.3 Registration Requirements

To open an Account, you must provide accurate, complete, and current information including your full legal name, date of birth, Philippine mobile number or email address, and a valid password. You agree to update your Account information promptly if any of it changes. okolay reserves the right to reject any registration application at its sole discretion, without obligation to provide reasons.

3.4 One Account Policy

Each individual may hold only one active Account on the okolay Platform. Multiple accounts by the same individual — whether registered under the same or different names, mobile numbers, email addresses, payment methods, or device identifiers — constitute a material breach of these Terms. In such cases, okolay may close all duplicate accounts, void any pending wagers or bonuses, and withhold funds pending investigation.

4 Account Management

4.1 Account Security

You are solely responsible for maintaining the confidentiality of your Account login credentials, including your password and any two-factor authentication details. You must not share your Account credentials with any other person. Any action taken using your Account credentials is deemed to have been authorised by you, and okolay accepts no liability for losses arising from unauthorised Account access where you have failed to maintain adequate security of your credentials.

4.2 Account Suspension and Closure

okolay reserves the right to suspend or close any Account at any time, with or without prior notice, where we have reasonable grounds to believe that:

• The Account holder has breached any provision of these Terms;
• The Account is being used for fraudulent, collusive, or unlawful purposes;
• The Account holder has provided false or misleading information during registration or KYC;
• Continued operation of the Account presents a regulatory, legal, or reputational risk to okolay;
• The Account holder has requested closure in writing via our support team.

4.3 Inactive Accounts

An Account is considered inactive if no login activity has been recorded for a continuous period of twelve (12) months. okolay reserves the right to apply an inactivity administration fee to dormant accounts as specified in the current fee schedule published on the Platform. Players will be notified by email or SMS prior to any such fee being applied. To reactivate an inactive Account, the Player must log in and complete any outstanding KYC requirements.

5 Deposits and Withdrawals

5.1 Accepted Payment Methods

okolay accepts deposits and processes withdrawals exclusively in Philippine Peso (PHP) via the following locally supported payment channels: GCash, PayMaya, Bank of the Philippine Islands (BPI), Banco de Oro (BDO), and Metrobank. okolay does not charge transaction fees on deposits or withdrawals on its end; however, your payment provider may impose their own charges, for which okolay accepts no responsibility.

5.2 Deposit Processing

Deposits via GCash and PayMaya are typically credited to your Account within minutes of a successful transaction confirmation. Bank transfer deposits may take one (1) to three (3) business days depending on the processing schedule of your bank. okolay is not liable for delays caused by third-party payment processors or banking infrastructure outside our control.

5.3 Withdrawal Conditions

Withdrawals are subject to the following conditions:

• The Player's Account must be fully KYC verified before any withdrawal is processed;
• Withdrawals may only be made to a payment method registered in the Player's own name — third-party withdrawals are strictly prohibited;
• Any applicable bonus wagering requirements must be satisfied before real-money funds associated with a bonus can be withdrawn;
• okolay reserves the right to conduct additional security checks on withdrawal requests, which may extend processing times;
• Minimum and maximum withdrawal amounts are as published in the Cashier section of the Platform and may be updated from time to time.

5.4 Anti-Money Laundering

okolay operates in compliance with Philippine anti-money laundering laws and PAGCOR AML directives. We are required by law to report suspicious transactions to the relevant authorities. Players who deposit funds must be able to demonstrate the legitimate source of those funds upon request. okolay reserves the right to withhold withdrawals pending satisfactory completion of AML checks.

6 Bonuses and Promotions

6.1 General Bonus Conditions

All bonuses, free bets, cashback offers, and promotional credits ("Bonuses") offered by okolay are subject to specific terms and wagering requirements. The specific conditions applicable to each Bonus — including minimum deposit amounts, eligible games, wagering multipliers, maximum bet restrictions, and expiry dates — are set out in the individual promotion terms published alongside each offer on the Platform.

6.2 Wagering Requirements

Bonus Funds credited to your Account must be wagered a specified number of times before they become eligible for withdrawal. Wagers placed on games with a contribution rate of less than 100% will count proportionally toward the wagering requirement. The applicable contribution rates for each game category are published in the Platform's bonus terms section.

6.3 Bonus Abuse

okolay employs automated and manual monitoring systems to detect bonus abuse, including but not limited to: claiming multiple accounts to obtain the same bonus, using betting patterns designed to exploit bonus terms with minimal risk, or misrepresenting identity to qualify for new-player promotions. Where bonus abuse is identified, okolay reserves the right to void the Bonus, cancel any associated winnings, and suspend or permanently close the Account.

7 Game Rules and Fair Play

All games available on the okolay Platform operate on certified Random Number Generator (RNG) software or are conducted by professionally trained live dealers in monitored studio environments. Game outcomes are determined independently of any action by okolay, and the platform does not manipulate results in any way.

Each game on the Platform is governed by its own specific rules, which are accessible within the game interface. Players are responsible for familiarising themselves with the rules of any game before placing real-money wagers. In the event of a discrepancy between a displayed result and the server-side result, the server-side result shall be the definitive record.

okolay reserves the right to void any wager placed in circumstances where:

• A technical error has affected the integrity of the game outcome;
• The wager was placed using funds obtained through fraudulent or prohibited means;
• There is credible evidence of collusion, match-fixing, or exploitation of a software vulnerability;
• The game was made available in error and the published odds or rules were materially incorrect.

8 Responsible Gaming

okolay is committed to promoting responsible gaming and minimising the potential for gambling-related harm among its players. The Platform provides the following responsible gaming tools, accessible from every player's Account dashboard:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits. Limit increases are subject to a mandatory cooling-off period before taking effect.
• Session Time Reminders: Players may configure automated reminders that notify them of the duration of their active gaming session.
• Cooling-Off Period: Players may request a temporary suspension of their Account for a defined period ranging from 24 hours to six (6) months.
• Self-Exclusion: Players who believe they may have a gambling problem may request permanent self-exclusion from the Platform. Self-exclusion requests are processed within 24 hours and are irreversible for the duration of the exclusion period selected.

okolay cooperates fully with PAGCOR's responsible gaming framework. Players who require additional support are encouraged to contact PAGCOR or recognised responsible gaming organisations operating in the Philippines. The Platform strictly enforces the 21+ age requirement and will not permit any identified minor to access real-money gaming services.

9 Prohibited Conduct

The following conduct is strictly prohibited on the okolay Platform. Violation of any of the prohibitions listed below constitutes a material breach of these Terms and may result in immediate Account suspension, forfeiture of balances, and referral to the relevant Philippine authorities:

• Registering an Account using false, misleading, or another person's identity information;
• Accessing or attempting to access the Platform if you are under 21 years of age;
• Operating or attempting to operate more than one Account;
• Using automated software, bots, scripts, or artificial intelligence tools to interact with games or the Platform in any way not expressly permitted;
• Colluding with other players to gain an unfair advantage in any game;
• Exploiting software errors, bugs, or vulnerabilities — any winnings derived from such exploitation are void and will not be paid out;
• Depositing or attempting to deposit funds derived from illegal activity, including but not limited to money laundering, fraud, or theft;
• Engaging in any form of chargebacks, payment reversals, or fraudulent transaction disputes against okolay;
• Attempting to access another player's Account without authorisation;
• Reproducing, distributing, or commercially exploiting any content, software, or intellectual property belonging to okolay without prior written consent.

10 Intellectual Property

All content on the okolay Platform — including but not limited to software, source code, game interfaces, graphics, logos, trademarks, text, video streams, audio, and the overall design and architecture of the Platform — is the exclusive intellectual property of okolay or its licensed content providers, and is protected under Philippine intellectual property laws and applicable international conventions.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for the purpose of lawful personal gaming activity in accordance with these Terms. This licence does not include the right to reproduce, modify, distribute, publicly display, or create derivative works from any Platform content, whether for commercial or non-commercial purposes, without the prior written consent of okolay.

11 Limitation of Liability

To the maximum extent permitted by applicable Philippine law, okolay's total aggregate liability to you in connection with your use of the Platform — whether in contract, tort, negligence, or otherwise — shall not exceed the total amount deposited by you into your Account during the thirty (30) days immediately preceding the event giving rise to the claim.

okolay shall not be liable for any indirect, incidental, special, consequential, or punitive loss or damage, including but not limited to loss of profits, loss of data, loss of gaming opportunity, or reputational harm, even if we have been advised of the possibility of such loss.

The Platform is provided on an "as is" and "as available" basis. While okolay takes reasonable steps to maintain Platform availability, we do not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. We shall not be liable for interruptions to service caused by scheduled maintenance, third-party failures, acts of government, or events beyond our reasonable control.

12 Privacy and Data

okolay collects, processes, and stores personal data in accordance with our Privacy Policy, which is incorporated into these Terms by reference and is available at /privacy-policy. By registering an Account, you consent to the collection and processing of your personal data as described in that policy.

You acknowledge that okolay is required by PAGCOR regulations and Philippine law to retain certain Account and transaction records for a minimum period specified by the relevant regulatory authority. These records may be disclosed to PAGCOR, law enforcement agencies, or other competent authorities upon lawful request.

13 Amendments to Terms

okolay reserves the right to modify, update, or replace any part of these Terms at any time. When material changes are made, we will notify registered Players via email, SMS, or a prominent notice on the Platform at least seven (7) days before the changes take effect, except where immediate amendment is required by law or regulatory directive, in which case changes may take effect immediately upon publication.

Your continued use of the Platform following 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 closure of your Account in accordance with Section 4.2.

14 Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles. The Platform's operations are subject to the regulatory oversight of PAGCOR.

In the event of a dispute arising from your use of the okolay Platform, you agree to first contact our support team in good faith to attempt resolution. If the dispute cannot be resolved informally within thirty (30) days of written notice, either party may refer the matter to binding arbitration conducted in the Philippines in accordance with applicable Philippine arbitration rules.

Nothing in this clause prevents either party from seeking urgent interlocutory relief from a competent court in the Philippines where necessary to protect their rights pending the outcome of arbitration.

15 Contact and Support

If you have any questions, concerns, or complaints regarding these Terms or your use of the okolay Platform, our support team is available 24 hours a day, seven days a week. You may contact us via the live chat function on the Platform or by writing to us at the following address:

We aim to respond to all written correspondence within two (2) business days. Complaints submitted via live chat are typically addressed within the same session or escalated to a supervisor within four (4) hours during peak periods.