PANALO777 takes your privacy and the security of any information related to your personal data very seriously. This policy will describe how we protect the information you provide and the steps involved. It also explains how and where we collect your personal information and your rights with respect to any personal information we hold under our guidelines under the Data Privacy Act 2012.

Other countries may have different privacy protection laws than the Philippines. We are constantly working to adjust our policies to achieve best practices in the security and protection of private data. Conversely, we do not guarantee that our privacy policies and practices comply with the requirements of foreign jurisdictions.

For more information about your personal information or any statement of rights you have in our Privacy Policy, please contact us at [email protected]

Scope and Commitment

The Privacy Statement and our Data Privacy Policy apply to all personal information, whether physical or digital, processed manually or automatically. When you use the services provided by the company or log in to register, you have accepted our privacy statement and agreed to our collection, use, disclosure, retention and protection of your personal information in accordance with these terms.

If you submit any personal information or sensitive personal information on behalf of others, you must declare that you have the right to provide such information and allow us to use said personal information in accordance with this Privacy Policy. If you do not wish to provide personal information for us to use, the company may not be able to provide or inform you of the requested products and services.

Please note that PANALO777's services are not intended for or against:

• • Subjects under the age of 21.
• • Anyone (including immediate family members) serving in the Philippine government, PAGCOR, PANALO777, law enforcement, or military personnel.

Your Rights & Preferences

Under the Data Privacy Act, you have the following rights the company is obligated to protect: (a) Your rights to be informed whether personal information pertaining to you, are being or have been processed.

(b) Your rights to be furnished the information indicated below before the entry of your personal information into the processing system of the personal information controller, or at the next practical opportunity:

• • Description of the personal information to be entered into the system.
• • Purposes for which they are being or are to be processed.
• • Scope and method of the personal information processing.
• • The recipients or classes of recipients to whom they are or may be disclosed.
• • Methods utilized for automated access, if the same is allowed by the data subject, and the extent to which such access is authorized.
• • The identity and contact details of the personal information controller or its representative.
• • The period for which the information will be stored.
• • The existence of your rights, i.e., to access, correction, as well as the right to lodge a complaint before the National Privacy Commission (NPC).

(c) Your rights of reasonable access to, upon demand, of the following:

• • Contents of your personal information that were processed.
• • Sources from which personal information were obtained.
• • Names and addresses of recipients of the personal information.
• • Manner by which such data were processed.
• • Reasons for the disclosure of the personal information to recipients.
• • Information on automated processes where the data will or likely to be made as the sole basis for any decision significantly affecting or will affect the data subject.
• • Date when your personal information concerning the data subject were last accessed and modified.
• • The designation, or name or identity and address of the personal information controller.

(d) Your rights to dispute the inaccuracy or error in the personal information and have the personal information controller correct it immediately and accordingly, unless the request is vexatious or otherwise unreasonable. If the personal information has been corrected, the personal information controller shall ensure the accessibility of both the new and the retracted information and the simultaneous receipt of the new and the retracted information by recipients thereof.

(e) Your rights to suspend, withdraw or order the blocking, removal or destruction of your personal information from the personal information controller's filing system upon discovery and substantial proof that the personal information are incomplete, outdated, false, unlawfully obtained, used for unauthorized purposes or are no longer necessary for the purposes for which they were collected. In this case, the personal information controller may notify third parties who have previously received such processed personal information. Should you feel that your rights under the Data Privacy Act was disregarded, you are granted the right to file a complaint, and the right to seek indemnity for damages sustained, if any.

Collected Personal Information

Personal data (or personal information) means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows: Identity Data includes first name, maiden name, last name, username or similar identifier, date of birth and gender.
Identity Data includes first name, maiden name, last name, username or similar identifier, date of birth and gender.

Contact Data includes billing address, delivery address, email address and telephone numbers.
Financial Data includes bank account and payment card details.

Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.

Technical Data includes internet protocol (IP) address, pc tag, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.

Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, correspondence feedback and survey responses. Usage Data includes information about how you use our website, products and services. Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

How We Collect Your Personal Data

Identification and Contact Information
• These may include, but are not limited to, sharing special information, events, offers, and promotions via e-mail, direct mail, social media, phone, SMS, and similar methods.

Non-marketing Purposes
• These may include, but are not limited to, validating identity, conducting digital demographic or performance analysis, conducting surveys, handling reservations, purchases, and related transactions, security and surveillance, and in complying with laws and regulatory guidelines.

Communications and Opting Out
• We only wish to message you, primarily via e-mail, with communications and notifications that you might find useful or want to receive. These may include, but are not limited to, sharing special information, events, offers and promotions; contacting you regarding certain reservations and inquiries, bookings, or related transactions; and regular updates for special interest groups associated with our programs. The emails we send include an opt-out mechanism within the message itself. By clicking on the unsubscribe link, you will be opted-out from our mailing list at no cost.

How we share your personal information

We will only share your personal data with your permission. Depending on the circumstances, we may share your personal data with the following recipients:

a. For the purpose of anti-money laundering, fraud detection and/or control, PANALO777 has the right to transfer your personal data to third parties, including but not limited to third-party suppliers such as the Anti-Money Laundering Commission, PAGCOR, other financial institutions, etc. Integrity Units, Banks, ID and Address Verification System Providers, Payment Service Providers and Financial Institutions, but only if we guarantee that they meet the same standards with regard to data processing and security. We encourage you to read the privacy policies of our third-party suppliers.
b. In addition, we reserve the right to disclose your personal data to relevant third parties, such as groups directly related to VENTURES Inc., our regulators, financial integrity units, especially when PANALO777 has reasonable grounds to suspect that there is a breach in your account behavior.
c. Your data will also be shared with cloud services, data centers, payment services, banks, authentication tools, customer communication tools, game providers, etc. for routine operational purposes.
d. Subject to our regulatory responsibilities, we have the right to share personal information we hold, including personal statistics and/or betting history, with sports organizations to investigate fraud, money laundering or sports integrity issues.
e. We will take all reasonable steps to ensure that your personal data is processed securely, with due care and in compliance with applicable legal requirements.

How We Store & Secure Your Personal Information

PANALO777 assures you that your personal data is:

• • processed in accordance with your rights
• • processed fairly and lawfully
• • obtained only for the above purposes
• • adequate, relevant and not excessive for its purpose
• • kept in a secure manner
• • not kept longer than is necessary for its purposes.

PANALO777 shall take all reasonable steps to ensure that your information is kept secure and protected. In this regard, we maintain appropriate technical and organizational measures to protect your data against unauthorized or unlawful processing.
While you are a customer, we will need to retain your information to meet our legal and contractual requirements. However, when you cease using PANALO777's Services, we will still retain your personal information for a period of time. There are several reasons why we retain your information, these include:

• • To comply with legal obligations under Philippine local laws (for example, anti-money laundering regulations, or licensing regulations)
• • To establish or defend legal claims (for example negligence claims) which could be made against us
• • To comply with our contractual obligations and rights in relation to the information involved
• • Our legitimate interests where we have carried out balancing tests
• • To comply with guidelines issued by relevant data protection authorities

We are encrypting sensitive information such as credit card or debit card number, mobile number, email address, username and password stored in our databases. Only the application will be able to decrypt such information provided with high level of security of user access in which all events or activities are being logged in the secured server.

However, we have no control and therefore cannot enforce the same amount of security on any of the devices that you use to access our site, or to send us information via e-mail, messaging apps, or our website. We are therefore not responsible for the security and protection of information that may have been intercepted prior to our receipt of your personal data.

Updates to this Privacy Statement

This Privacy Policy may be updated from time to time to reflect changes in the way we work or the way our work is regulated - so you may wish to check it each time you submit personal information to us. The date of the most recent revision will be displayed on this page. If you do not agree to these changes, please do not continue to submit personal information to PANALO777 or use our services in any way. Otherwise, you will be deemed to have accepted the changes to the Privacy Policy. You can also delete your PANALO777/account at any time. If there is a material change to the Privacy Policy, such as affecting how we want to use your personal information, we will provide a more prominent notice (including, for some services, notification of the Privacy Policy change by email), and you will be required to expressly accept this Class changes to continue to use the Service, the changes will apply immediately upon your acceptance of the changes.

Your Obligation

By using our Website and by providing your personal data, you acknowledge that you are required to provide your actual, accurate and complete data as requested by PANALO777. Furthermore, you must inform us of any changes to your information so as to ensure it is kept up-to-date and accurate.

If you are found to be in breach of your obligations or if we have reasonable suspicion that the information you provide is false or incomplete or in any way contrary to Data Privacy Act of 2012 or this Policy, we retain the right to reject your application for registration or to suspend or terminate your account immediately without notice. In this case, you have no right to any compensation due to the rejection of your application, or the suspension or termination of your account.

Guest Responsibility

At PANALO777, we are committed to promoting gaming as an alternative form of entertainment and leisure, with stakeholders sharing a shared responsibility to ensure that our gaming decisions are informed and our gaming behaviors are socially responsible. Our primary concern is maintaining a fair and safe gaming experience and protecting players from any adverse consequences of the game.

PANALO777 is committed to providing customers with responsible gaming. We've created a responsible gaming program that goes above and beyond the minimums and delivers results that exceed expectations. Our programs help those who seek assistance or receive staff training to help guests, and we also strive to create an environment where responsible gaming awareness is more common and making helping customers easy and private. We partner with our local consulting agency, Life Change Recovery Center, to provide our guests with professional customer care services. Please enjoy rational, responsible and controlled play.

Excluded Persons

At PANALO777, we are committed in promoting gaming as alternative form of entertainment and leisure where stakeholders undertake a shared responsibility to ensure gaming decisions are informed and that gaming behavior is socially responsible.

• • Persons under twenty-one (21) years of age or students of any school, college or university in the Philippines
• • Government officials connected directly with the operation of the government or any of its agencies and their immediate relatives (parents, spouse and children)
• • Members of the Armed Forces of the Philippines (including the Army, Navy and Airforce) and the Philippine National Police
• • PAGCOR Gaming Employment License (GEL) holders directly or indirectly involved in gaming operations
• • Persons included in the National Database of Restricted Persons (NDRP).

Gambling Addiction

Gambling becomes a problem when a player develops an uncontrollable urge to gamble which may lead one to incur debts or even inflict harm on one's family or community. Gambling addiction causes disruptions in the psychological, physical, social and vocational areas of life. It is characterized by the following behavior:

• • Increasing obsession with gambling.
• • A need to bet more money much frequently.
• • Restlessness or irritability when attempting to stop.
• • Chasing losses.
• • Loss of control as a result of continued gambling behavior in spite of mounting, serious and negative consequences.

Responsible Gaming

For players who enjoy gambling frequently, it is not uncommon to spend over their budget sometimes. We advise that specific budget plans be made to ensure your gambling expenditure is affordable. Sometimes people deny the extent of their own problems and seek help only in crisis. Ask yourself honestly and if you think you might have a problem, set yourself the goal of stopping gambling for two weeks or a month as a test. If you are unable to achieve this, you could have a problem and this might affect not only you but also your family, career, and personal life. Please gamble responsibly.

WHERE TO SEEK HELP FOR GAMBLING-RELATED CONCERNS

If you feel that you or a family member has a gambling problem, you may contact our customer support at: (customer service e-mail/phone). Also, PANALO777 has tied up with support facilities to address concerns related to gambling problems. You may directly contact the following help centers:

Life Change Recovery Center
Dr. Randy Misael S. Dellosa
105 Scout Rallos Street, Kamuning
Brgy. Sacred Heart, Quezon City
Telephone numbers: (02) 415-7964 / 415-6529
Website: www.lifechangerecoverycenter.com

Bridges of Hope Drugs and Alcohol Rehabilitation Foundation, Inc. Headquarters:
364 Aguirre Avenue, Phase 3, BF Homes, Parañaque City, Metro Manila
Tel. No. (02) 622-0193

New Manila Branch:
12 Orestes Lane, Mariposa Street
Tel. No. (02) 502-0600; (0917) 856-0623
Email: [email protected]

Introduction

Welcome to Panalo777, an online gaming and entertainment platform created and operated by Swerte Group, a duly registered corporation under the laws of the Republic of the Philippines. Panalo777 is licensed and regulated by the Philippine Amusement and Gaming Corporation (PAGCOR). These Terms and Conditions ("Terms") establish the binding legal relationship between Panalo777 and any individual who creates an account, accesses the website or mobile application, or uses any gaming, betting, or promotional services offered by the platform.

By registering, accessing, or using Panalo777 services, you confirm that:

• ● You have read and fully understood these Terms.
• ● You accept all terms without exception.
• ● You agree to comply with all rules, policies, and future amendments.

Panalo777 reserves the right to modify these Terms at any time. Any major changes will be communicated through email, platform notifications, or other official Panalo777 channels.

Definitions

1. Panalo777 Account

A personal online account registered by an individual for lawful betting and gaming activity through Panalo777.

2. Equipment

Devices used to access the platform including desktops, laptops, tablets, smartphones, and other electronic interfaces.

3. Games

All betting, casino, sports wagering, poker, live dealer, and entertainment activities offered by Panalo777.

4. Software

Programs, apps, systems, or digital tools enabling access to Panalo777 services.

5. Sports Betting

Wagering on sports events or competitions, including esports, virtual sports, and live/in-play betting.

6. Information

Public or internal data displayed on Panalo777 such as scores, odds, statistics, schedules, results, or game rules.

7. Website

The official Panalo777 portal accessible online.

8. Services

All entertainment, betting, financial, promotional, and support services delivered by Panalo777.

9. Cards

Payment cards, digital wallets, virtual cards, or similar tools used for deposits and withdrawals.

10. Payment Solution Provider

Third-party companies facilitating financial transactions.

11. Regulator

The Philippine Amusement and Gaming Corporation (PAGCOR).

12. Financial Institution

Banks and other financial bodies operating under local law.

13. Client Application

Any browser or app through which the user accesses Panalo777.

14. Prize

All forms of winnings, payouts, rewards, bonuses, or promotional items.

15. Inactive Account

An account with no login activity for at least six (6) consecutive months.

Intellectual Property Rights

All intellectual property found on Panalo777including software code, design elements, graphics, trademarks, methodologies, and systems is the exclusive property of Swerte Group and its authorized partners. Users may not:

• ○ Reverse-engineer or attempt to decrypt platform systems.
• ○ Distribute, sell, or modify platform software.
• ○ Share proprietary materials without written consent.
• ○ Use Panalo777 content for unlawful purposes.
• ○ Violations may result in account closure, fund seizure, and legal action.

Financial & Player Fund Security

Panalo777 keeps player funds separate from operational funds. Deposits are held securely in accounts under financial institutions approved by PAGCOR.
Panalo777 ensures:

• ○ Full segregation of user funds.
• ○ Transparent and lawful fund management.
• ○ Compliance with anti-fraud and AML regulations.

Registration, Eligibility, and Account Security

● To register and use Panalo777 services, users must:

• ○ Be 21 years or older.
• ○ Be physically located inside the Philippines.
• ○ Not belong to any PAGCOR-restricted categories including:
• ○ Government officials (elective or appointive)
• ○ Members of the AFP/PNP
• ○ Students or minors
• ○ Self-excluded or family-excluded individuals
• ○ Employees of gaming operators
• ○ Individuals living outside the Philippines

Account Dormancy

If the PANALO777 account has been suspended in accordance with the clauses above, and has already been suspended for more than 6 months or an PANALO777 account has been dormant for more than 6 months since the last login time, PANALO777 reserves the right to charge a monthly administrative fee until the account balance reaches zero. The administrative fee deducted shall vest in PANALO777 on deduction from the Suspended Account and will cease to form part of the Account Holder's funds. PANALO777 reserves the right to close the Suspended Account once the account reaches zero balance. If there are no funds on the account, the account will not be charged and it will be closed immediately.

PANALO777 warrants and represents at all times to:

• • Manage funds belonging to Account Holders in a secure and appropriate manner; and/or
• • Manage data regarding an Account Holder in accordance with applicable laws, data protection acts and/or similar;
• • Not offer contingencies to customers to proceed to any fund transfer between customers' accounts.

Users must:

● Provide accurate personal information

• ○ Maintain confidentiality of login credentials
• ○ Use the account for personal entertainment only
• ○ Ensure funds come from legal sources

Account Management Policies

● Panalo777 reserves the full right to:

• ○ Deny, close, or suspend accounts without explanation
• ○ Request identity, address, or payment verification
• ○ Withhold withdrawals pending review
• ○ Investigate suspicious or irregular activities
• ○ Transfer account data within Swerte Group in compliance with privacy laws

Forfeiture Policy

● Panalo777 may forfeit funds if:

• ○ Fraud or cheating is detected
• ○ Multiple accounts are used
• ○ Third-party payment methods are used illegally
• ○ Bonus abuse occurs
• ○ Terms and Conditions are violated

Inactive, Suspended, or Closed Accounts

● Accounts inactive for six (6) months may incur monthly maintenance fees until the balance reaches zero. Accounts may be closed when funds are depleted. Suspended accounts due to investigation may remain locked until conclusions or regulatory clearance.

Betting Rules and Regulations

● When placing bets on Panalo777, users agree to:

• ○ Follow all game-specific rules
• ○ Accept that odds are subject to constant changes
• ○ Acknowledge that technical or human errors may result in bet cancellation
• Panalo777 reserves the right to:
• ○ Void bets placed after match start time (excluding live bets)
• ○ Void bets due to incorrect odds or obvious operator error
• ○ Reject correlated or duplicate bets
• ○ Cancel bets placed with insider information or suspicious behavior

Live Betting

● Accounts inactive for six (6) months may incur monthly maintenance fees until the balance reaches zero. Accounts may be closed when funds are depleted. Suspended accounts due to investigation may remain locked until conclusions or regulatory clearance.

Match Results

Server results are final, overriding local device displays or delays.

Transaction Policies

● Users must:

• ○ Use only payment methods registered under their legal name
• ○ Avoid chargebacks, fraudulent card use, or money laundering

● Panalo777 may:

• ○ Suspend accounts for mismatched account names
• ○ Confiscate funds involved in suspicious transactions
• ○ Report fraudulent activities to authorities and financial institutions

Refund Policies

● Refunds may only be issued if:

• ○ Requested within 24 hours of the transaction
• ○ The deposit or bonus has not been used for gameplay
• ○ Refunds require full identity verification. Failure to comply within five (5) days results in account closure and fund forfeiture.

Refund Policies

● Panalo777 implements strict Know-Your-Customer procedures including:

• ○ Identity documentation
• ○ Address verification
• ○ Live call verification

● KYC processing typically completes within 72 hours.

Anti-Money Laundering (AML) Policy

● Panalo777 complies with the Anti-Money Laundering Act (AMLA). The company:

• ○ Monitors all transactions
• ○ Flags suspicious behavior
• ○ Reports qualifying incidents to the AMLC
• ○ Maintains records for regulatory review

Bonus and Promotion Terms

● Bonuses come with specific requirements:

• ○ Turnover requirements must be met before withdrawal
• ○ Bonus abuse results in fund forfeiture
• ○ Exploiting system vulnerabilities

● Bonus abuse includes:

• ○ Multiple account creation
• ○ Hedge betting
• ○ Exploiting system vulnerabilities

Governing Law

These Terms follow the laws of the Republic of the Philippines. All disputes shall be heard exclusively by Philippine courts.

Issue Resolution and Support

For complaints, users may contact Panalo777 Customer Support. If unresolved, disputes may be escalated to third-party bodies approved by PAGCOR.

Disclaimers

● Panalo777 supports safe gaming practices. Users may:

• ○ Request self-exclusion (6 months, 1 year, or 5 years)
• ○ Request family-initiated exclusion

Excluded players cannot access accounts until the exclusion period ends.

Final Provisions

• ○ English version prevails over translations
• ○ Panalo777 may update, suspend, or discontinue services anytime
• ○ Users may not transfer rights or obligations

● These Terms represent the full legal agreement between the user and Panalo777.