Terms and Conditions

Last updated: 20 October 2026

1. Who we are

MegaAraw (“MegaAraw”, “we”, “us”) is a sub-brand of XN Solutions Inc., Registration No. 2024050150330-11, regulated by the Philippine Amusement and Gaming Corporation (PAGCOR) under Accreditation No. 25-181 and 25-180. Registered address: Spaces Utrecht, Lange Viestraat 2b, 3511 BK Utrecht, Netherlands. The website is megaaaraw.com.

2. Eligibility

You may register and play only if all of the following are true:

• you are at least 21 years old;
• you meet the Philippine eligibility and residency requirements that apply to the platform;
• you are not listed in the National Database of Restricted Persons (NDRP) and are not self-excluded or excluded under PAGCOR’s programme;
• you are not a restricted person under PAGCOR rules, including government officials and employees and members of the Armed Forces of the Philippines and the Philippine National Police;
• you will not play in a public place;
• you act on your own behalf and use your own funds.

If we find that any of these conditions is not met, we will close the account and handle any balance as described in section 6.5 and as required by law and PAGCOR rules.

3. Your account

You may hold one account only. It is linked to your Philippine mobile number, which you confirm with a one-time password (OTP) and use to log in. Keep your phone and the codes you receive private — we will never ask you for an OTP. You are responsible for activity on your account until you tell us it has been compromised.

4. Verification

Full access to games, deposits and withdrawals requires identity verification (KYC): your full name, date of birth, address, email, a valid government-issued ID and face verification. We may ask for further documents at any time, for example before releasing a withdrawal. Details must be true and match your ID.

5. Wallet and payments

• Your wallet is held in Philippine pesos (PHP).
• Deposits and withdrawals are possible only through payment methods connected to the MegaAraw cashier and only with accounts in your own name.
• Limits, fees and processing times are those published for each method on Wallet & Payments. Where a value is not published, we do not promise one. While no method is published there, the cashier is not open and no deposits are accepted.
• The wallet is not a bank or savings account and does not earn interest.
• We may delay or refuse a transaction where the law, PAGCOR rules or our anti-fraud and anti-money-laundering checks require it. If we do, we tell you, unless the law forbids us to.

6. Refunds, chargebacks and errors

6.1 Refunds of deposits

A deposit that has been used to place bets cannot be refunded; you can only withdraw your available balance under section 5. A deposit that was charged twice, charged but never credited to your wallet, or credited with the wrong amount is corrected or returned once the payment provider confirms the transaction. We do this within 5 business days of that confirmation, to the same payment account in your name. Send us the transaction reference, the amount, the method and the time so we can trace it.

6.2 Chargebacks and reversed payments

If you believe a deposit was made without your permission, contact us first — we will freeze the account while we investigate. If a deposit is reversed through your bank, e-wallet or card provider after it was used to play, we may suspend the account, hold pending withdrawals up to the reversed amount and ask you to repay that amount. Where a reversal turns out to be unfounded, we may close the account and recover the amount and any related fees, as allowed by law.

6.3 Mistaken credits and payouts

Money credited to your wallet by mistake — because of a technical error, a wrong payout table, a duplicate settlement or a human error — does not belong to you. We will correct the balance and tell you what was changed, why, and the reference of the affected round or transaction. If the money has already been withdrawn, we will ask you to return it. Mistakes against you are corrected in the same way, in your favour.

6.4 Interrupted and unfinished game rounds

• If your connection drops, a round that has already started is completed on the game server according to the rules of that game, and the result is credited to your wallet. You can check it in Game History.
• In a live game, the round continues at the table without you; any decision you did not make in time is taken as described in the game rules (for example, “stand” in blackjack).
• If a round cannot be completed because of a fault on the provider’s or our side, the round is voided and your stake for that round is returned.
• If a round still looks unfinished or unsettled, contact support with the round reference. We will check it with the game provider and tell you the outcome.

6.5 Balance when an account is closed

• You close the account: we pay out the available balance to a verified payment account in your name after the usual withdrawal checks. Unfinished rounds are settled first.
• We close the account for a reason other than fraud, for example because you are not eligible: the balance is paid out in the same way, minus any amounts that must be returned under sections 6.2 and 6.3.
• Fraud, collusion or a breach of anti-money-laundering rules: winnings obtained that way may be voided, and the balance is held or handled as the law and PAGCOR require.
• If we cannot pay out because we cannot reach you or you have no verified payment account, we keep the balance and contact you at your registered mobile number and email.

7. Games

Games are supplied by third-party providers. Each game has its own rules, payouts and return-to-player information, shown inside the game; those rules form part of these Terms. Outcomes are determined by the game — by a certified random number generator for digital games, or by the physical cards, wheel or dice for live games. Game History in My Account records every round.

If a game malfunctions, affected rounds may be voided and stakes returned. Obvious errors in payouts may be corrected as described in section 6.3.

8. Tournaments and promotions

We list only tournaments and promotions that are actually active or scheduled. Each one has its own details — eligible games, dates, scoring and prizes — which apply in addition to these Terms.

9. Responsible gaming

Gambling doesn’t guarantee earnings or financial improvement. You can set limits, take a time-out or self-exclude as described on Responsible Gaming. We may apply limits or suspend play if we see signs of harm.

10. Suspension and closure

You may close your account at any time by contacting support. We may suspend or close an account for breach of these Terms, fraud, collusion, use of software to gain an advantage, multiple accounts, false information, or where required by law or by PAGCOR. The remaining balance is handled as described in section 6.5.

11. Liability

We are not liable for losses caused by events outside our reasonable control, such as network or device failures on your side. Nothing in these Terms limits liability that cannot be limited under Philippine law.

12. Complaints and dispute resolution

If something went wrong — a payment, a game round, a verification decision or the way we treated you — tell us. Complaints are free of charge and are handled by people who were not involved in the original decision whenever possible.

12.1 How to complain

Use the contact form and choose “Complaint”, or email support@megaaaraw.com with “Complaint” in the subject. Include your Account ID, your registered mobile number, what happened and when, and any transaction or round reference.

12.2 Your complaint number

The contact form shows a reference number (for example MA-261020-1A2B) as soon as your message is sent. If you write by email, we reply with a reference number within 2 business days. Quote that number in every follow-up message.

12.3 Stages and time limits

1. Acknowledgement — within 2 business days, with your reference number and the name of the team handling it.
2. Investigation — we check account records, payment provider data and, for game rounds, the provider’s logs. We may ask you for more information; the clock stops while we wait for your reply.
3. Answer — within 10 business days of acknowledgement. If the case needs data from a payment or game provider, we tell you before that deadline and send the answer within 30 calendar days of acknowledgement.
4. Review — if you disagree with the answer, reply within 30 days and ask for a review. A senior member of the team reviews the case and sends our final answer within 10 business days.

12.4 If you are still not satisfied

After our final answer, or if we miss the deadlines above, you may refer the dispute to the Philippine Amusement and Gaming Corporation (PAGCOR) through the contact details on pagcor.ph. Include our reference number and final answer. Complaints about personal data may also be filed with the National Privacy Commission. Using this procedure does not limit your right to go to court.

13. Changes

We may update these Terms. The date at the top shows the latest version; significant changes will be announced before they apply. Continuing to play after that date means you accept the new version.

14. Governing law

These Terms are governed by the laws of the Republic of the Philippines.