These Terms & Conditions govern your access to and use of the 3fachai platform, including all games, services, promotions, and features available through the 3fachai website and mobile application.
Last Updated: January 1, 2026A plain-language summary of the most important points. The full legal text follows below.
You must be at least 21 years of age to register and use 3fachai. This is a strict requirement under PAGCOR regulations. Age verification is mandatory before accessing real-money games.
Each player is permitted to hold only one 3fachai account. Creating duplicate or multiple accounts is a violation of these Terms and may result in permanent suspension of all associated accounts.
You are solely responsible for maintaining the confidentiality of your 3fachai login credentials. Any activity conducted through your account is your responsibility unless you report unauthorized access promptly.
All transactions on 3fachai are processed in Philippine Peso (PHP). Supported methods include GCash, PayMaya/Maya, and major Philippine banks. Funds must originate from accounts registered in your own name.
All 3fachai bonuses and promotions are subject to specific wagering requirements and validity periods. Bonus abuse, including the use of multiple accounts to claim the same offer, will result in forfeiture of all bonuses and winnings.
Any attempt to manipulate game outcomes, exploit software vulnerabilities, use automated bots, or engage in collusion is strictly prohibited on 3fachai and will result in immediate account termination and forfeiture of funds.
Please read these Terms & Conditions carefully before using 3fachai. By accessing or using the 3fachai platform in any way — including browsing the website, registering an account, making a deposit, or playing any game — you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety. If you do not agree, you must not use 3fachai.
These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("Player," "User," or "you") and 3fachai ("3fachai," "we," "us," or "our") governing your use of the 3fachai website, mobile application, and all associated services (collectively, the "Platform").
By creating an account, logging in, or otherwise accessing the 3fachai Platform, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.
These Terms apply to all users of the Platform, including registered players, visitors, and any other persons who access or use the Platform in any capacity. Your continued use of the Platform following any modification to these Terms constitutes your acceptance of the revised Terms.
To register and use the 3fachai Platform, you must satisfy all of the following eligibility requirements at all times:
Age Verification: 3fachai strictly enforces the 21+ age requirement. You will be required to submit valid Philippine government-issued identification to verify your age before accessing real-money games. Providing false information regarding your age is a serious violation of these Terms and may constitute fraud under Philippine law.
3fachai reserves the right to request proof of eligibility at any time and to suspend or terminate any account where eligibility cannot be confirmed to our satisfaction.
To access the full features of the 3fachai Platform, you must register for an account. The following rules apply to all 3fachai accounts:
3fachai reserves the right to refuse account registration or to close any account at its sole discretion, including where we have reason to believe that the registration violates these Terms or applicable law.
All financial transactions on the 3fachai Platform are conducted in Philippine Peso (PHP). The following terms govern deposits and withdrawals:
4.1 Deposits. You may fund your 3fachai account using the following approved payment methods: GCash, PayMaya/Maya, and bank transfers via BPI, BDO, Metrobank, UnionBank, Landbank, PNB, and Security Bank. Minimum and maximum deposit limits apply and are displayed at the time of transaction. All deposits must originate from a payment account registered in your own name. Third-party deposits are strictly prohibited.
4.2 Withdrawals. Withdrawal requests are subject to identity verification and may be subject to processing times as communicated on the Platform. 3fachai reserves the right to request additional documentation before processing any withdrawal. Withdrawals will be made to the same payment method used for the corresponding deposit where technically possible.
4.3 Anti-Money Laundering. 3fachai is committed to compliance with the Anti-Money Laundering Act of the Philippines (Republic Act No. 9160, as amended). We are required to report suspicious transactions to the Anti-Money Laundering Council (AMLC). Any attempt to use the 3fachai Platform for money laundering or other financial crimes will result in immediate account termination and reporting to the relevant authorities.
4.4 Dormant Accounts. Accounts that have had no login activity for a period of twelve (12) consecutive months may be classified as dormant. 3fachai reserves the right to apply an administrative fee to dormant accounts in accordance with our published fee schedule. Players will be notified before any such fee is applied.
3fachai offers various bonuses and promotional offers to eligible players. All bonuses are subject to the following general terms, in addition to any specific terms communicated at the time the bonus is offered:
All games available on the 3fachai Platform are governed by individual game rules, which are accessible within each game. By participating in any game, you agree to be bound by the applicable game rules.
3fachai uses certified Random Number Generator (RNG) technology to ensure that all game outcomes are random, fair, and independent of previous results. Live dealer games are conducted by trained dealers in real time and are subject to the same fairness standards.
In the event of a technical malfunction or error during gameplay, 3fachai reserves the right to void the affected game round and return any wagers placed. 3fachai shall not be liable for any losses arising from technical errors beyond our reasonable control.
Game results displayed on the 3fachai Platform are final. In the event of a discrepancy between the result displayed on your device and the result recorded on our servers, the server record shall prevail.
The following conduct is strictly prohibited on the 3fachai Platform. Engaging in any prohibited conduct may result in immediate account suspension, permanent termination, forfeiture of account balances, and referral to law enforcement authorities where appropriate:
3fachai is committed to promoting responsible gaming and the well-being of all players. We provide the following tools to help players manage their gaming activity:
3fachai strictly enforces the 21+ age requirement. If you believe you may have a gambling problem, please visit our Responsible Gaming page for resources and support. Gambling is addictive. Know when to stop.
All content on the 3fachai Platform — including but not limited to text, graphics, logos, game assets, software, audio, video, and the overall design and layout — is the exclusive property of 3fachai or its licensors and is protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial entertainment purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Platform without the prior written consent of 3fachai.
To the fullest extent permitted by applicable law, 3fachai, its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of, or inability to use, the Platform.
3fachai's total aggregate liability to you for any claim arising out of or relating to these Terms or your use of the Platform shall not exceed the total amount deposited by you into your 3fachai account in the thirty (30) days immediately preceding the event giving rise to the claim.
Nothing in these Terms shall limit or exclude liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable Philippine law.
3fachai collects, processes, and stores your personal data in accordance with our Privacy Policy, which forms part of these Terms. By using the Platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.
3fachai complies with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines. Your personal data will not be sold to third parties. It may be shared with regulatory authorities, payment processors, and identity verification providers as required for the operation of the Platform and compliance with applicable law.
3fachai reserves the right to suspend or terminate your account and access to the Platform at any time, with or without notice, for any reason, including but not limited to a breach of these Terms, suspected fraudulent activity, or failure to satisfy eligibility requirements.
Upon termination for cause, any balance remaining in your account may be forfeited if it is determined that the balance was derived from fraudulent, abusive, or prohibited activity. In all other cases of termination, any legitimate balance will be returned to you via your registered payment method following completion of any required verification.
You may close your 3fachai account at any time by contacting our support team. Account closure requests are subject to the completion of any pending transactions and withdrawal of any remaining balance.
These Terms 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.
Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall first be submitted to 3fachai's customer support team for informal resolution. If the dispute cannot be resolved informally within thirty (30) days, it shall be referred to the appropriate regulatory authority or courts of competent jurisdiction in the Philippines.
3fachai reserves the right to amend, update, or replace these Terms at any time. When material changes are made, we will notify registered players via email or a prominent notice on the Platform at least seven (7) days before the changes take effect, where practicable.
Your continued use of the 3fachai Platform after the effective date of any amended Terms constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must cease using the Platform and may request account closure.
If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the 3fachai support team:
For responsible gaming support and self-exclusion requests, please visit our Responsible Gaming page or contact our dedicated support team directly via live chat.
Now that you know the rules, join hundreds of thousands of Filipino players enjoying fair, secure, and exciting games on 3fachai.
Must be 21 years or older. Please play responsibly. Gambling is addictive. Know when to stop.