These Terms & Conditions govern your use of the swer99 platform. By registering an account or accessing any swer99 service, you agree to be bound by the terms set out below. Please read them carefully before playing.
You must be at least 21 years old and a resident of the Philippines to open a real-money swer99 account. One account per person is strictly enforced.
You are solely responsible for maintaining the confidentiality of your swer99 login credentials. Never share your password with anyone, including swer99 support staff.
All transactions on swer99 are processed in Philippine Peso (PHP). Deposits via GCash, PayMaya, BPI, BDO, Metrobank, and UnionBank are subject to the limits and processing times stated in the Payments section.
All swer99 bonuses are subject to wagering requirements. Bonus funds cannot be withdrawn until the applicable wagering conditions have been fully met. Abuse of promotions may result in account suspension.
swer99 provides deposit limits, session reminders, and self-exclusion tools. Players who self-exclude may not circumvent the restriction by opening a new account. Violations will result in permanent closure.
swer99 operates in compliance with PAGCOR regulations. All disputes are subject to Philippine law and the jurisdiction of Philippine courts. PAGCOR's regulatory framework takes precedence where applicable.
Important Notice: These Terms & Conditions constitute a legally binding agreement between you ("the Player") and swer99 ("the Company," "we," "us," or "our"). By accessing or using any part of the swer99 platform, you confirm that you have read, understood, and agreed to these terms in their entirety. If you do not agree, you must not use the swer99 platform.
1.1 These Terms & Conditions ("Terms") apply to all users of the swer99 website, mobile platform, and any related services offered by swer99 (collectively, the "Platform"). By creating an account, making a deposit, placing a bet, or otherwise using the swer99 Platform, you agree to be legally bound by these Terms.
1.2 These Terms should be read in conjunction with swer99's Privacy Policy and Responsible Gaming Policy, both of which are incorporated herein by reference.
1.3 swer99 reserves the right to update or amend these Terms at any time. Continued use of the Platform following the posting of any changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
2.1 To register and maintain a real-money account on swer99, you must satisfy all of the following eligibility requirements:
Age Restriction: swer99 strictly enforces the 21+ age requirement. Any account found to belong to a person under 21 years of age will be immediately closed and all funds forfeited in accordance with PAGCOR regulations. swer99 may request identity verification documents at any time to confirm eligibility.
2.2 swer99 reserves the right to request proof of age, identity, and residency at any time. Failure to provide satisfactory documentation within the timeframe specified by swer99 may result in account suspension or closure.
3.1 Each individual may hold only one (1) registered account on the swer99 Platform. The creation of multiple accounts by the same individual — whether using different names, email addresses, mobile numbers, or payment methods — is strictly prohibited and constitutes grounds for immediate account closure and forfeiture of all balances.
3.2 When registering your swer99 account, you agree to provide accurate, current, and complete information, including your full legal name, date of birth, Philippine mobile number, and a valid email address. You agree to update this information promptly if it changes.
3.3 You are solely responsible for maintaining the confidentiality of your swer99 login credentials, including your username and password. You must not share your login details with any third party. swer99 will not be liable for any loss or damage arising from unauthorized access to your account resulting from your failure to keep your credentials secure.
3.4 If you suspect that your swer99 account has been accessed without your authorization, you must notify swer99 support immediately via live chat. swer99 may temporarily suspend your account pending investigation.
3.5 swer99 reserves the right to refuse account registration to any applicant at its sole discretion, without being required to provide a reason.
4.1 All financial transactions on the swer99 Platform are conducted in Philippine Peso (PHP / ₱). swer99 accepts deposits via the following payment methods: GCash, PayMaya, BPI, BDO, Metrobank, and UnionBank.
4.2 Deposits are generally credited to your swer99 account instantly or within a few minutes, subject to the processing times of your chosen payment provider. swer99 is not responsible for delays caused by third-party payment processors.
4.3 Minimum and maximum deposit limits apply and are displayed on the swer99 deposit page at the time of transaction. These limits may vary by payment method and may be adjusted by swer99 at any time.
4.4 You may only deposit funds from payment accounts that are registered in your own name. Deposits from third-party accounts are not permitted. swer99 reserves the right to return funds and close accounts where third-party funding is detected.
4.5 swer99 does not charge fees for standard deposits; however, your bank or e-wallet provider may apply their own transaction fees. Please check with your payment provider before depositing.
swer99 employs 256-bit SSL encryption on all financial transactions. Your payment details are never stored on swer99 servers in plain text and are handled in compliance with the Philippine Data Privacy Act.
5.1 You may request a withdrawal of your available real-money balance at any time, subject to the following conditions:
5.2 Withdrawals are processed to the same payment method used for the most recent deposit, where technically possible. swer99 may request additional verification before processing withdrawal requests above certain thresholds.
5.3 GCash and PayMaya withdrawals are typically processed within 5 minutes during normal operating conditions. Bank transfers to BPI, BDO, Metrobank, and UnionBank may take up to one (1) banking business day.
5.4 swer99 reserves the right to delay or withhold a withdrawal pending completion of identity verification, fraud checks, or investigation of suspected Terms violations. swer99 will notify you of any such hold and the reason for it.
5.5 In the event of account closure due to a breach of these Terms, swer99 reserves the right to withhold any withdrawal pending a full review. Where a breach is confirmed, swer99 may forfeit some or all of the account balance in accordance with applicable regulations.
6.1 swer99 offers various bonuses and promotional offers to eligible players from time to time. All bonuses are subject to specific terms and wagering requirements, which will be clearly stated at the time the bonus is offered.
6.2 Unless otherwise stated, bonus funds must be wagered a minimum number of times before any associated winnings can be withdrawn. The applicable wagering multiplier will be specified in the individual promotion's terms.
6.3 swer99 reserves the right to modify, suspend, or withdraw any bonus or promotion at any time without prior notice. Any bonus credited in error will be reclaimed by swer99.
6.4 Players found to be abusing the bonus system — including but not limited to creating multiple accounts to claim bonuses, using automated betting strategies to clear wagering requirements, or colluding with other players — will have their bonuses voided and their accounts suspended or permanently closed.
6.5 Bonuses are intended for personal recreational use only. swer99 reserves the right to limit or refuse bonus eligibility to any player at its sole discretion.
Always read the specific terms attached to each swer99 promotion before opting in. Wagering requirements, game restrictions, time limits, and maximum withdrawal caps vary by offer.
7.1 All games available on the swer99 Platform — including live casino, slots, sports betting, lottery, and bingo — are governed by their individual game rules, which are accessible within each game interface. In the event of a conflict between individual game rules and these Terms, these Terms shall prevail.
7.2 swer99 uses certified Random Number Generators (RNGs) for all applicable games. RNG systems are independently audited to ensure fairness and compliance with industry standards. Live dealer games are streamed in real time from certified studios.
7.3 In the event of a technical malfunction, disconnection, or system error during gameplay, swer99 reserves the right to void the affected round and return the wagered amount to the player's account. swer99's decision in such matters is final.
7.4 Sports betting markets and odds are subject to change up until the event commences. swer99 reserves the right to suspend, void, or settle bets in accordance with its sports betting rules in cases of obvious pricing errors, match irregularities, or force majeure events.
7.5 Any winnings resulting from a technical error, software bug, or misconfigured game will be considered void. swer99 will not be liable to pay out winnings that arise from circumstances outside the normal operation of the Platform.
8.1 The following activities are strictly prohibited on the swer99 Platform. Engaging in any of the following may result in immediate account suspension, permanent closure, forfeiture of balances, and referral to the appropriate Philippine authorities:
Anti-Money Laundering: swer99 is committed to full compliance with the Anti-Money Laundering Act (AMLA) of the Philippines. All suspicious transactions are reported to the Anti-Money Laundering Council (AMLC) as required by law. Players may be required to provide source-of-funds documentation for large transactions.
9.1 swer99 is committed to promoting responsible gaming practices among all players. We provide a range of tools designed to help players maintain control over their gaming activity, including deposit limits, loss limits, session time limits, cooling-off periods, and self-exclusion.
9.2 Players who wish to activate any responsible gaming tool may do so by contacting swer99 support via live chat at any time. Requests to activate self-exclusion or account closure for responsible gaming reasons will be processed immediately and without question.
9.3 A player who has self-excluded from swer99 is strictly prohibited from attempting to open a new account or access the Platform through any other means during the exclusion period. Any account opened in violation of a self-exclusion will be immediately closed and any balance forfeited.
9.4 swer99 supports the responsible gaming initiatives of PAGCOR and encourages any player who believes they may have a gambling problem to seek help. For more information on the tools available to you, please visit our Responsible Gaming page.
9.5 swer99 strictly enforces the 21+ age restriction for all real-money gaming activity on the Platform. Age verification checks may be conducted at any time, and accounts belonging to underage individuals will be closed immediately.
10.1 All content on the swer99 Platform — including but not limited to the swer99 brand name, logo, website design, graphics, text, software, game interfaces, and promotional materials — is the exclusive intellectual property of swer99 or its licensed content providers.
10.2 You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the swer99 Platform solely for your personal, non-commercial recreational gaming purposes. This license does not include the right to copy, reproduce, distribute, modify, create derivative works from, or commercially exploit any content on the Platform.
10.3 Any unauthorized use of swer99's intellectual property is strictly prohibited and may result in legal action. If you believe that any content on the Platform infringes your intellectual property rights, please contact swer99 at the email address provided in Section 15.
11.1 To the fullest extent permitted by applicable Philippine law, swer99 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform, including but not limited to loss of profits, loss of data, or loss of goodwill.
11.2 swer99 does not warrant that the Platform will be available at all times, free from errors, or free from viruses or other harmful components. swer99 will use reasonable efforts to maintain Platform availability but does not guarantee uninterrupted access.
11.3 swer99's total aggregate liability to you for any claim arising out of or in connection with these Terms or your use of the Platform shall not exceed the total amount deposited by you into your swer99 account in the thirty (30) days preceding the event giving rise to the claim.
11.4 Nothing in these Terms shall limit or exclude swer99's liability for fraud, gross negligence, or any other liability that cannot be excluded or limited under applicable Philippine law.
12.1 swer99 reserves the right to suspend or permanently close any player account at any time, with or without prior notice, if swer99 reasonably believes that:
12.2 In the event of account closure due to a breach of these Terms, swer99 may withhold some or all of the account balance pending investigation. Where a breach is confirmed, swer99 may forfeit the balance in accordance with PAGCOR regulations.
12.3 Players who wish to voluntarily close their swer99 account may do so by contacting support via live chat. Any remaining real-money balance (excluding bonus funds) will be returned to the player's verified payment method within a reasonable timeframe, provided no outstanding investigations are pending.
13.1 swer99 reserves the right to amend, update, or replace these Terms at any time. When material changes are made, swer99 will notify registered players via email or a prominent notice on the Platform prior to the changes taking effect.
13.2 The date of the most recent revision is displayed at the top of this page. It is your responsibility to review these Terms regularly. Your continued use of the swer99 Platform after any changes have been posted constitutes your acceptance of the revised Terms.
13.3 If you do not agree with any amendment to these Terms, you must stop using the Platform and may request account closure in accordance with Section 12.3.
14.1 These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.
14.2 swer99 operates in compliance with the regulatory framework established by the Philippine Amusement and Gaming Corporation (PAGCOR). Any regulatory complaints may be directed to PAGCOR through its official channels.
14.3 In the event of a dispute between you and swer99, you agree to first attempt to resolve the matter informally by contacting swer99 support. If the dispute cannot be resolved informally within thirty (30) days, either party may pursue resolution through the appropriate Philippine courts or regulatory bodies.
14.4 You agree that any claim or cause of action arising out of or related to your use of the swer99 Platform must be filed within one (1) year after such claim or cause of action arose, or it shall be forever barred.
15.1 If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the swer99 support team. Our team is available 24 hours a day, 7 days a week via live chat on the Platform.
15.2 For written correspondence, you may reach swer99 at the following email address:
Email: [email protected]
15.3 swer99 aims to respond to all written inquiries within two (2) business days. For urgent account-related matters, live chat is the fastest way to reach our support team.
Now that you know the rules, it's time to enjoy the game. Log in to your swer99 account and explore over 3,200 games — from live baccarat to PBA sports betting — with instant GCash payouts.