cow188 Terms and Conditions – Platform Rules for PH Members

The cow188 platform is available exclusively to adults who are at least 21 years of age and who are physically located in the Philippines at the time of access. By registering, you confirm that you meet both requirements and that you are not on any self-exclusion list or otherwise prohibited from online gaming participation.

One account per person. Duplicate accounts are not permitted at cow188. If multiple accounts are detected linked to the same individual — whether through shared device, payment method, identity document or IP address — cow188 reserves the right to suspend all associated accounts and withhold balances pending investigation.

When creating your cow188 account you must provide:

• Your full legal name as it appears on your government-issued identification
• A valid date of birth confirming you are 21 or above
• An active Philippine mobile number
• A valid email address you control
• Accurate address information within the Philippines

cow188 may request additional identity documentation at any point — including during verification, before processing a withdrawal or as part of an ongoing review. Failure to provide documentation within the timeframe requested may result in account restriction until the verification is completed.

Your cow188 login credentials are your responsibility. You must not share your username, password or any one-time verification codes with any other person. cow188 will never ask for your password through email, SMS or any external channel — if you receive such a request, treat it as fraudulent and contact support immediately.

You are responsible for all activity conducted through your account. If you suspect your account has been accessed by someone else, contact cow188 support at support@cow188.best immediately and change your password. Account activity that occurs before you notify cow188 of unauthorised access remains your responsibility unless cow188 determines independently that a security breach occurred on the platform side.

• Use a strong, unique password not used on other platforms
• Do not access your cow188 account from shared or public devices if possible
• Log out of your session when accessing from a non-personal device
• Keep your contact email and mobile number current so verification codes reach you

All cow188 account balances are held and transacted in Philippine pesos (PHP). There is no currency conversion layer and no foreign exchange risk applied to member balances. The amount you deposit is the amount credited to your account.

Accepted deposit and withdrawal channels at cow188 include:

• GCash and Maya (instant processing for verified accounts)
• GrabPay and Coins.ph (fast processing)
• InstaPay and PESONet bank transfer
• BDO, BPI and UnionBank online banking
• Visa and Mastercard bank cards

Withdrawal requests are processed to the same payment method used for the corresponding deposit where technically possible. If a different method is required, additional verification may be requested to confirm ownership. Processing times vary by provider and account verification level.

cow188 may impose minimum and maximum transaction limits. Current limits are displayed in the account section at the time of transaction. These limits may be adjusted without notice, though cow188 will endeavour to communicate material changes to affected members.

cow188 offers sports betting across multiple categories including NBA Betting, Volleyball Betting, Sabong and general Sports Betting, as well as game categories including Bingo, Poker and Fishing Games. Each category operates under its own specific rules which are available in the relevant section of the platform.

General betting principles that apply across all cow188 categories:

• All wagers are final once confirmed. A submitted selection cannot be changed or cancelled by the member after the confirmation is received by the cow188 server.
• The odds or prices displayed at confirmation are the prices applied to the wager, not any price that may have been displayed at an earlier point in the session.
• Live in-play odds move continuously and may differ from what a streaming delay shows on your device. Accept the confirmed price rather than a price displayed several seconds prior.
• Market settlement at cow188 is based on official results from the relevant sporting body or event organiser. Operator errors in settlement are reviewed and corrected within a reasonable timeframe.
• Void markets: if an event is cancelled, abandoned before the minimum completion threshold or affected by circumstances that make settlement impossible, stakes are returned to member accounts in accordance with the specific category rules.

cow188 reserves the right to void any wager where there is evidence of obvious pricing errors, data feed failures or irregular betting patterns that suggest exploitation of a manifest error. In such cases, stakes are returned and no further compensation is due.

cow188 is designed for individual adult members who engage with the platform for personal leisure. The following conduct is prohibited and may result in immediate account suspension, balance forfeiture and permanent closure:

• Registering more than one account for yourself or on behalf of another person using your information
• Using automated software, bots, scripts or any technical means to interact with the cow188 platform in a way that simulates human activity
• Colluding with other members to manipulate game or betting outcomes
• Exploiting software errors, display bugs or pricing anomalies rather than reporting them to support
• Attempting to access another member's account
• Providing false identity information or documentation
• Using the platform for any purpose other than personal entertainment gaming
• Any conduct that cow188 determines, acting reasonably, constitutes abuse of the platform

cow188 maintains an active commitment to responsible gaming that shapes how the platform operates, not just what is stated in these Terms. The minimum age requirement of 21 is enforced through identity verification. Responsible gaming tools are available to all members regardless of their activity level.

Members are encouraged to use available tools including:

• Self-assessment questionnaires to review their relationship with gaming activity
• Account limit options where available, reviewed in the Responsible Gaming section
• Access to Philippine support services referenced in the Responsible Gaming page at cow188

If a member contacts cow188 to request a cooling-off period or self-exclusion, that request will be acted on. cow188 will not attempt to reverse or override a responsible gaming request from a member. If you are concerned about your own gaming behaviour or that of someone close to you, visit the Responsible Gaming page for practical guidance and support contacts.

Gaming at cow188 should always be funded from a personal entertainment budget that does not affect essential household expenses. Losses are a normal outcome of gaming — they should never be chased through additional deposits with money outside your entertainment budget.

cow188 collects and processes member personal data to operate the platform, process PHP wallet transactions, conduct identity verification and meet applicable regulatory obligations. This data is not sold to third parties or shared for marketing purposes outside the cow188 platform.

Full details of what data is collected, how it is stored, how long it is retained and what rights you have as a Philippine member are set out in the Privacy Policy. The Privacy Policy forms part of these Terms and should be read alongside them. By registering at cow188, you confirm you have read and understood both documents.

cow188 may suspend or close an account at any time for the following reasons:

• Breach of these Terms in any material respect
• Failure to complete identity verification within required timeframes
• Suspicious activity patterns consistent with fraud, money laundering or organised misuse
• Regulatory direction from applicable Philippine authorities
• Member request for self-exclusion or account closure

Members who wish to close their account voluntarily may do so by contacting support@cow188.best. Any remaining PHP wallet balance in good standing at the time of voluntary closure will be returned through the member's verified withdrawal method after the final identity check is completed.

For accounts closed due to Terms violations, balances may be withheld pending a full review. cow188 will communicate the outcome of that review within a reasonable period.

cow188 provides the platform on an "as available" basis. While we work to maintain continuous service, we do not guarantee that the platform will be free of interruptions, errors or technical failures at all times. Scheduled maintenance, third-party service provider outages and circumstances beyond our control may result in temporary unavailability.

cow188's liability to any member is limited to the PHP wallet balance held in that member's account at the time any claim arises. We are not liable for:

• Loss of profits, anticipated savings or indirect losses
• Betting opportunities missed due to platform downtime
• Losses arising from a member's own decisions, whether informed or not
• Third-party payment provider delays or failures outside cow188's direct control

Nothing in these Terms limits cow188's liability for fraud, death or personal injury caused by our negligence, or any liability that cannot be excluded under applicable Philippine law.

cow188 reserves the right to update these Terms at any time. Material changes will be communicated to members through the registered email address or a platform notification before they take effect. Continued use of the cow188 platform after the effective date of an update constitutes acceptance of the revised Terms.

If you do not agree with an update, you should close your account before the changes take effect. Contact support@cow188.best to initiate account closure and arrange the return of any remaining PHP wallet balance.

It is your responsibility to review these Terms periodically. The date shown at the top of this page reflects the last review. cow188 recommends checking this page when you receive a notification of changes.

These Terms are governed by applicable laws and regulations relevant to the operation of online gaming platforms serving Philippine members. cow188 operates with the expectation that members engage with the platform in good faith and in compliance with Philippine law as it applies to their individual circumstances.

If you have a dispute with cow188, the first step is to contact support@cow188.best with a clear description of the issue, your account reference and any relevant transaction details. The support team will acknowledge your query and work to resolve it. Most issues — including payment delays, settlement queries and account access problems — are resolved through direct communication without escalation.

If a resolution is not reached through direct support contact, cow188 will work with the member to identify an appropriate resolution pathway. Members retain any rights available to them under applicable Philippine consumer protection law that cannot be excluded by contract.

For any query related to these Terms — including account registration, wallet transactions, betting rules, responsible gaming or account closure — contact the cow188 support team:

• Email: support@cow188.best
• Platform: cow188.best
• Operating hours: 24/7 platform access; support response during business hours

When contacting support, include your registered account email and a description of the issue. For security, do not include your full password in any communication — support will never ask for it.