Please read these Terms & Conditions carefully before registering or using any service on smsm.ph. By accessing the platform, you agree to be bound by these terms.
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 smsm.ph. This is a mandatory PAGCOR requirement. Age verification using a valid Philippine government-issued ID is required before your account is fully activated. Underage gambling is strictly prohibited and any account found to be registered by a minor will be immediately closed and all funds forfeited.
Each player is permitted to hold only one active account on smsm.ph. Creating duplicate or multiple accounts — whether under the same name, the same device, or the same payment method — is a violation of these Terms and will result in account suspension and forfeiture of any balances or bonuses associated with the duplicate accounts.
All bonuses and promotional credits issued by smsm.ph are subject to wagering requirements before withdrawal is permitted. The specific wagering multiplier, eligible games, time limits, and maximum withdrawal amounts applicable to each bonus are stated in the individual promotion terms. Bonuses cannot be transferred, exchanged for cash, or applied to restricted game categories.
smsm.ph operates under the regulatory oversight of the Philippine Amusement and Gaming Corporation (PAGCOR). All gaming activities on the platform are conducted in compliance with applicable Philippine gaming laws and PAGCOR regulations. Players located outside the Philippines are responsible for ensuring that online gambling is legal in their jurisdiction before using the platform.
All transactions on smsm.ph are conducted in Philippine Peso (PHP). Accepted deposit and withdrawal methods include GCash, PayMaya/Maya, and bank transfers via BPI, BDO, Metrobank, UnionBank, Landbank, PNB, and Security Bank, as well as debit cards. Cryptocurrency deposits and credit card gambling deposits are not accepted in compliance with Philippine regulations.
smsm.ph provides deposit limits, loss limits, wager limits, session time reminders, cool-off periods, and self-exclusion tools. Players who believe they may have a gambling problem are encouraged to use these tools immediately. Self-exclusion requests take effect without delay and cannot be reversed during the chosen exclusion period. ⚠️ Gambling is addictive. Know when to stop.
Important Notice: These Terms & Conditions constitute a legally binding agreement between you and smsm.ph. By registering an account, making a deposit, or using any feature of the smsm.ph 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 platform.
These Terms & Conditions ("Terms") govern your access to and use of the smsm.ph online gaming platform, including all games, features, promotions, and services made available through the website smsmph.org and any associated mobile-optimized interfaces (collectively, the "Platform"). The Platform is operated by smsm.ph ("we," "us," or "the Company").
By accessing the Platform, creating an account, or placing any wager, you ("Player," "you," or "User") acknowledge that you have read these Terms in full, that you understand them, and that you agree to be legally bound by them. These Terms apply in addition to any game-specific rules, bonus terms, and promotional conditions published on the Platform, all of which are incorporated herein by reference.
If you are accessing the Platform on behalf of another person or entity, you represent and warrant that you have the authority to bind that person or entity to these Terms, and references to "you" shall include that person or entity.
Use of the smsm.ph Platform is subject to the following eligibility requirements, all of which must be satisfied at the time of registration and on a continuing basis throughout your use of the Platform:
smsm.ph reserves the right to request proof of eligibility at any time. Failure to provide satisfactory documentation within the timeframe specified by the Company may result in account suspension and withholding of funds pending verification.
To access real-money gaming features on smsm.ph, you must complete the registration process and create a Player Account. During registration, you are required to provide accurate, complete, and current 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.
Each individual is permitted to hold only one (1) active Player Account on smsm.ph. The creation of multiple accounts by the same individual — whether using different names, email addresses, mobile numbers, devices, or payment methods — is strictly prohibited. Where duplicate accounts are identified, smsm.ph reserves the right to close all associated accounts, void all pending bets and bonuses, and forfeit any balances held in the duplicate accounts.
smsm.ph is required by PAGCOR regulations and applicable Philippine anti-money laundering laws to verify the identity of all players before processing withdrawals and, in certain cases, before activating full account functionality. You will be required to submit a clear copy of a valid Philippine government-issued photo ID (such as a PhilSys National ID, passport, driver's license, SSS ID, GSIS ID, PRC ID, or voter's ID) and, where required, proof of address and proof of payment method ownership.
You represent and warrant that all information provided during registration and at any subsequent point is truthful, accurate, and not misleading. Providing false information — including a false date of birth to circumvent the 21+ age requirement — constitutes a material breach of these Terms and will result in immediate account closure and forfeiture of all funds.
You are solely responsible for maintaining the confidentiality of your smsm.ph login credentials, including your username, password, and any one-time passwords (OTPs) sent to your registered mobile number. You must not share your login credentials with any other person or allow any other person to access your account.
smsm.ph will never ask you for your password via email, SMS, or live chat. Any communication purporting to be from smsm.ph that requests your password should be treated as fraudulent and reported to our support team immediately.
You agree to notify smsm.ph immediately if you become aware of any unauthorized access to or use of your account. smsm.ph will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials, except where such loss results directly from the Company's own negligence or willful misconduct.
We strongly recommend enabling two-factor authentication (2FA) on your smsm.ph account. This adds an additional layer of security by requiring OTP verification from your registered Philippine mobile number each time you log in from a new device.
All transactions on smsm.ph are conducted in Philippine Peso (PHP / ₱). Deposits made in other currencies will not be accepted. The Platform does not support cryptocurrency transactions of any kind, in compliance with applicable Philippine regulations.
smsm.ph accepts deposits and processes withdrawals via the following methods: GCash, PayMaya/Maya, bank transfer (BPI, BDO, Metrobank, UnionBank, Landbank, PNB, Security Bank), and debit cards issued by Philippine banks. Credit card deposits for gambling purposes are not accepted, consistent with current Philippine regulations.
Minimum and maximum deposit amounts vary by payment method and are displayed at the time of deposit. smsm.ph reserves the right to adjust deposit limits at any time in accordance with PAGCOR regulations, anti-money laundering requirements, or responsible gaming considerations. Players may also set their own personal deposit limits through the Responsible Gaming tools available in their account settings.
Withdrawal requests are subject to identity verification (KYC) completion. Once KYC is approved, withdrawals to GCash and PayMaya are typically processed within minutes to a few hours. Bank transfer withdrawals may take one (1) to three (3) business days depending on the receiving bank. smsm.ph reserves the right to conduct additional verification checks before processing any withdrawal, particularly for large amounts or where unusual account activity is detected.
Withdrawals may only be made to a payment method registered in your own name. Third-party withdrawals are strictly prohibited. Where a deposit was made via a specific payment method, the corresponding withdrawal must be returned to the same method up to the amount of the original deposit, with any excess paid via an alternative approved method at the Company's discretion.
If your account remains inactive (no login, deposit, or wager) for a continuous period of twelve (12) months, smsm.ph may classify the account as dormant. Dormant accounts may be subject to an administrative maintenance fee as disclosed in the fee schedule published on the Platform. Players are encouraged to log in periodically and to withdraw any balance they do not intend to use.
smsm.ph offers various bonuses and promotions to eligible players from time to time, including welcome bonuses, reload bonuses, free spins, cashback offers, and loyalty rewards. All bonuses are subject to the specific terms and conditions published alongside each promotion, which form part of these Terms.
Unless otherwise stated in the specific promotion terms, all bonus funds must be wagered a minimum number of times (the "wagering requirement") before any winnings derived from bonus funds may be withdrawn. The applicable wagering multiplier, eligible game categories, contribution percentages, time limits, and maximum withdrawal caps are specified in each promotion's individual terms.
smsm.ph actively monitors for bonus abuse, including but not limited to: creating multiple accounts to claim bonuses more than once; using low-risk betting strategies designed to meet wagering requirements without genuine gameplay risk; colluding with other players to exploit promotional offers; and exploiting technical errors or software bugs to obtain unintended bonus credits. Where bonus abuse is identified, smsm.ph reserves the right to void the bonus, cancel any associated winnings, and close the account.
Bonuses that are not claimed within the specified claim period, or wagering requirements that are not completed within the specified validity period, will expire automatically. Expired bonuses and any associated winnings will be removed from your account without notice.
smsm.ph reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice. Changes will not affect bonuses already claimed and in active use at the time of the change, except where required by law or regulatory directive.
All electronic games on smsm.ph — including slots, virtual table games, crash games such as Aviator, and fishing games such as Treasure Boat Fishing — use certified Random Number Generation (RNG) technology. The RNG systems used by smsm.ph's game providers are independently tested and certified by recognized testing laboratories to ensure that game outcomes are random, fair, and not subject to manipulation by the Company or any player.
Live dealer games on smsm.ph use real physical game elements — cards, roulette wheels, dice — operated by trained dealers in a licensed studio environment. Live dealer game outcomes are determined by the physical results of these real-world game elements and are not subject to RNG manipulation.
In the event of a game malfunction, disconnection, or technical error that affects the outcome of a game round, smsm.ph reserves the right to void the affected round and return the wager to the player's account. The Company's decision regarding the handling of technical malfunctions is final. smsm.ph is not liable for losses arising from internet connectivity issues on the player's side.
Minimum and maximum bet limits apply to all games on the Platform and are displayed within each game interface. smsm.ph reserves the right to adjust bet limits at any time. Players who consistently win large amounts may have their bet limits reduced at the Company's discretion, consistent with standard industry practice.
The following conduct is strictly prohibited on the smsm.ph Platform. Engaging in any prohibited conduct may result in immediate account suspension, permanent closure, forfeiture of balances, and referral to relevant law enforcement or regulatory authorities:
smsm.ph is committed to promoting responsible gaming and minimizing the risk of gambling-related harm. We provide the following tools to help players stay in control of their gaming activity:
All responsible gaming tools are accessible from your account settings immediately after login. If you believe you may have a gambling problem, we encourage you to use these tools without delay and to seek support from PAGCOR's responsible gaming resources.
⚠️ Gambling is addictive. Know when to stop. smsm.ph strictly enforces the 21+ age requirement. If you are concerned about your gambling behavior or that of someone you know, please visit our Responsible Gaming page for resources and support.
All content on the smsm.ph Platform — including but not limited to the website design, layout, graphics, logos, game interfaces, text, software, and trademarks — is the property of smsm.ph or its licensors and is protected by applicable Philippine and international intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your personal, non-commercial entertainment purposes. You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from the Platform without the prior written consent of smsm.ph.
Game content provided by third-party game providers on the Platform remains the intellectual property of those providers and is subject to their respective licensing terms. smsm.ph does not grant you any rights in respect of third-party game content beyond what is necessary for normal gameplay.
To the maximum extent permitted by applicable Philippine law, smsm.ph and its directors, officers, 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 the Platform, including but not limited to loss of winnings, loss of data, loss of goodwill, or interruption of service.
smsm.ph'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 smsm.ph account in the thirty (30) days immediately preceding the event giving rise to the claim.
The Platform is provided on an "as is" and "as available" basis. smsm.ph makes no warranty, express or implied, that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. You access and use the Platform at your own risk.
Nothing in these Terms shall limit or exclude smsm.ph's liability for death or personal injury caused by its negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable Philippine law.
smsm.ph collects, processes, and stores your personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By registering an account, you consent to the collection and processing of your personal data as described in the Privacy Policy.
smsm.ph complies with the Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules and regulations. Your personal data will not be sold to third parties. It may be shared with PAGCOR, law enforcement authorities, and payment processors where required by law or necessary for the operation of the Platform.
For full details on how smsm.ph handles your personal data, your rights as a data subject, and how to exercise those rights, please review our Privacy Policy.
smsm.ph reserves the right to amend these Terms at any time. Where changes are material, we will provide notice to registered players via email to the address on file or via a prominent notice on the Platform at least seven (7) days before the changes take effect, except where immediate changes are required by law, regulatory directive, or to address security concerns.
Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must stop using the Platform and may request the withdrawal of your account balance before the changes take effect.
The most current version of these Terms is always available on the smsm.ph website. The "Last Updated" date at the top of this page indicates when the Terms were most recently revised.
These Terms and any dispute or claim arising out of or in connection with them or their subject matter 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.
In the event of a dispute between you and smsm.ph, you agree to first attempt to resolve the dispute informally by contacting our customer support team. If the dispute cannot be resolved informally within thirty (30) days, either party may escalate the matter to PAGCOR's dispute resolution process, where applicable, or to the appropriate courts of the Philippines.
You agree that any legal proceedings arising out of or in connection with these Terms shall be brought exclusively in the courts of the Philippines, and you irrevocably submit to the personal jurisdiction of those courts.
If you have any questions about these Terms & Conditions, wish to exercise any rights under these Terms, or need to contact smsm.ph for any reason related to your account or the Platform, please reach out to our support team:
smsm.ph Customer Support
Email: [email protected]
Available: 24 hours a day, 7 days a week
Response time: within 1 hour (8 AM – 12 AM PST); within 4 hours (12 AM – 8 AM PST)
For regulatory matters or complaints that cannot be resolved through our support team, you may contact PAGCOR directly through their official channels.
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