joan365 Terms & Conditions – Rules Governing Your Account and Use of Our Platform

1. Acceptance of Terms

By accessing joan365, registering an account, making a deposit, placing a wager, or otherwise using any feature of the joan365 platform, you unconditionally accept these Terms and all policies incorporated herein by reference, including the joan365 Privacy Policy and Responsible Gaming Policy. These Terms apply to all users of joan365, including registered account holders and visitors browsing the platform without an account.

joan365 reserves the right to amend, update, or replace these Terms at any time without prior notice. The most current version will always be published at joan365.club/terms-conditions with the "Last updated" date revised accordingly. Your continued use of joan365 after any changes to the Terms constitutes your acceptance of the revised Terms. If you disagree with any modification, your sole remedy is to close your joan365 account and cease using the platform.

These Terms are written in English. In the event of any inconsistency between any translation and the English version, the English version shall prevail.

2. Eligibility and Age Restriction

Use of joan365 is strictly restricted to individuals who meet all of the following eligibility requirements:

• You are at least 21 years of age. In the Philippines, the minimum legal age for participation in casino-style gambling is 21 years old pursuant to applicable PAGCOR regulations and the Philippine Amusement and Gaming Corporation's licensing conditions. joan365 strictly enforces this age restriction.
• You are not physically located in a jurisdiction where online gambling is prohibited or restricted by applicable law.
• You are acting on your own behalf and not as an agent, representative, or nominee of any third party.
• You have not been previously excluded from joan365 or any other gaming platform through a self-exclusion arrangement or regulatory exclusion order.
• You have full legal capacity to enter into binding agreements under the laws of your jurisdiction.

joan365 applies Know Your Customer (KYC) verification procedures and may request government-issued identification documents at any time to verify eligibility. Failure to provide satisfactory verification may result in account suspension or permanent closure and forfeiture of any pending withdrawal requests pending resolution of the verification.

joan365 does not permit underage gambling under any circumstances. If joan365 determines or reasonably suspects that a user is under 21 years of age, the account will be immediately suspended, all pending transactions cancelled, and the matter may be reported to relevant authorities as required by law.

3. Account Registration

To access the full features of joan365, you must register a player account. By completing registration, you represent and warrant that:

• All information provided during registration is accurate, complete, and current;
• You will promptly update your account information if any details change;
• You are registering a single account only — joan365 strictly prohibits the creation of multiple accounts by the same individual;
• Your account credentials (username and password) are personal and confidential, and you will not share them with any third party.

joan365 reserves the right to refuse registration or close any account at its sole discretion, including but not limited to cases of suspected fraud, bonus abuse, duplicate accounts, or violation of these Terms. Each player is entitled to one account only. If multiple accounts are detected for the same individual, joan365 may close all accounts, void all associated bonuses and winnings, and withhold any balance pending investigation.

You are solely responsible for all activity conducted through your joan365 account. If you become aware of any unauthorized access to your account, you must notify joan365 customer support immediately via live chat or by emailing [email protected].

4. Deposits and Withdrawals

All financial transactions on joan365 are processed in Philippine Peso (PHP). joan365 accepts deposits and processes withdrawals via approved payment methods including GCash, Maya (PayMaya), BPI, BDO, Metrobank, 7-Eleven over-the-counter deposits, USDT (cryptocurrency), and Coins.ph, subject to availability at the time of transaction.

Deposits: Deposits are credited to your joan365 account balance once confirmed by the payment provider. Minimum deposit amounts vary by payment method and are displayed on the deposit page. joan365 does not charge deposit fees, though your payment provider may apply its own transaction fees.

Withdrawals: Withdrawal requests are processed by joan365 within the timeframes displayed on the withdrawal page. joan365 aims to process GCash and Maya withdrawals within 5–15 minutes during regular hours. Processing times may be extended during peak periods or when KYC verification is pending. Minimum withdrawal amounts apply and are specified at the point of transaction.

joan365 reserves the right to request supporting documentation before processing any withdrawal, particularly for first-time withdrawals, large withdrawal amounts, or where anti-money laundering (AML) review is triggered. You agree to cooperate fully with any such requests.

Deposits and withdrawals must use payment methods registered in your own name. joan365 does not permit third-party payments. Any detected third-party payment may result in account suspension and return of funds to the originating payment source.

5. Bonuses and Promotions

joan365 offers various bonuses and promotions to eligible players from time to time, including welcome bonuses, reload bonuses, free spins, cashback offers, and loyalty rewards. All bonuses are subject to the specific terms attached to each promotion, which are published on the relevant promotional page.

General bonus conditions that apply unless a specific promotion states otherwise:

• Bonuses are available to verified players aged 21 and above only;
• Wagering requirements must be met before bonus-derived winnings can be withdrawn;
• joan365 reserves the right to modify, suspend, or cancel any promotion at any time;
• Bonus abuse — including but not limited to creating multiple accounts to claim the same bonus, using software to manipulate outcomes, or collusion — will result in forfeiture of all bonuses and associated winnings and may result in permanent account closure;
• Only one bonus may be active at a time unless expressly stated otherwise in the promotion terms.

joan365 reserves the right to adjust or reclaim bonuses credited in error, regardless of whether the bonus funds have been wagered.

6. Game Rules and Fair Play

All games available on the joan365 platform are provided by licensed third-party game studios. Each game operates according to its own published rules and uses a certified Random Number Generator (RNG) or, in the case of live dealer games, real physical equipment overseen by trained dealers. joan365 does not modify game outcomes.

Return-to-Player (RTP) percentages for all slots and other applicable games are publicly available and represent the theoretical long-term return of each game. joan365 makes no representation regarding individual session outcomes. Gambling involves risk, and past results do not guarantee future outcomes.

In the event of a game malfunction, system error, or technical fault that affects a game outcome, joan365 reserves the right to void affected bets and return stakes to the player. All decisions by joan365 regarding game disputes are final subject to regulatory appeal processes.

7. Prohibited Conduct

The following activities are strictly prohibited on joan365 and may result in immediate account termination, forfeiture of balances, and potential reporting to Philippine law enforcement authorities:

• Using joan365 for money laundering, terrorist financing, or any other illegal financial activity;
• Providing false, misleading, or fraudulent information during registration or verification;
• Using automated software, bots, scripts, or artificial intelligence tools to manipulate game outcomes or gain unfair advantage;
• Engaging in collusion with other players or joan365 employees;
• Attempting to access another player's account without authorization;
• Exploiting software bugs, glitches, or errors without reporting them to joan365 support;
• Engaging in chargebacks, payment reversals, or disputes with your payment provider in bad faith after receiving gaming services;
• Allowing any person under 21 years of age to use your joan365 account.

8. Responsible Gaming

joan365 is committed to promoting responsible gaming among all Filipino players. We recognize that gambling can become problematic for some individuals, and we provide a range of tools to help players maintain control over their gaming activity.

Available responsible gaming tools on joan365 include: deposit limits (daily, weekly, monthly), session time limits and alerts, cooling-off periods, temporary self-exclusion (1–90 days), and permanent self-exclusion. These tools are accessible from your account dashboard at any time.

If you believe you or someone you know may have a gambling problem, joan365 encourages you to seek assistance. Please visit our Responsible Gaming page for resources and self-assessment tools.

joan365 strictly prohibits gaming by individuals under 21 years of age and takes all reasonable steps to prevent underage access to its platform.

9. Intellectual Property

All content on joan365, including but not limited to the website design, logos, graphics, text, game interfaces, software, and trademarks, is the property of joan365 or its licensors and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use joan365 for your personal, non-commercial gaming purposes only.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from joan365 without prior written consent from joan365. Unauthorized use of joan365's intellectual property may result in legal action.

10. Limitation of Liability

To the maximum extent permitted by applicable law, joan365 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, including but not limited to loss of winnings, loss of data, service interruption, or technical errors beyond joan365's reasonable control.

joan365 provides its platform on an "as is" and "as available" basis without warranties of any kind, whether express or implied. joan365 does not warrant that the platform will be uninterrupted, error-free, or free from harmful components.

joan365's total aggregate liability to any player in connection with these Terms shall not exceed the total amount deposited by that player into their joan365 account in the twelve (12) months immediately preceding the claim.

11. Termination of Account

joan365 may suspend or permanently terminate your account at any time, with or without prior notice, for any reason including but not limited to breach of these Terms, suspected fraud, regulatory requirements, or commercial decision. Upon termination, you will forfeit any bonus balances and pending promotional rewards. Real-money balances that are not subject to active investigation or dispute will be returned to your registered payment method where permitted by law.

You may close your joan365 account at any time by contacting customer support via live chat. Pending withdrawals will be processed in accordance with standard procedures. Closing your account does not release you from obligations incurred prior to closure.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Philippines. Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

Before initiating formal legal proceedings, joan365 encourages players to contact our customer support team in the first instance to seek an amicable resolution. joan365 is committed to resolving player disputes in a fair, transparent, and timely manner consistent with Philippine regulatory standards.

If you believe joan365 has acted contrary to its regulatory obligations, you may escalate your complaint to the relevant Philippine gaming authority. joan365 operates within a PAGCOR-regulated framework and is subject to applicable regulatory oversight.

For questions about these Terms, contact joan365 support at: [email protected] · Live Chat available 24/7 on joan365.club