24hr Online Customer Service
Important Announcement
ATG All Games
2026-08-24
Date: 2026/08/25(Tue.), Maintenance Period: 10:00～12:00 (UTC+8)
Date: 2026/08/25(Tue.), Maintenance Period: 10:00～12:00 (UTC+8)
Our goal here at Lotto Panalo is your enjoyment.Casino games can provide hours of entertainment where you can test your luck and skills. However, we recognize that gambling can become a problem for some people, and when it gets out of control, it can affect financial stability and personal relationships. Therefore, to avoid or reduce potential gambling-related harm, please pay attention to the following points:
If you associate with one or more of these signs, you may have a gambling problem. Furthermore, if you are concerned that gambling may have taken over your life or someone else’s, there is help available. To speak to someone about this, there are a number of Support Organizations available offering free and independent advice. We advise that you consider assistance from one of these recognized organizations:
UK Helpline: 0845-600-0133
While we want all members to enjoy the game and experience the excitement, Lotto Panalo offers a self-limit feature for a minimum of 6 months to a maximum of 5 years for those members who do not enjoy the game and wish to stop playing. Please contact customer service for more details on the terms of your self-limit or if you require a self-limit for more than five years. Please note that if you have a short self-restriction, you will not be able to request a restart of your account during this period. Once you do, your account will be irrevocably closed during this period and cannot be restored. If for any reason you wish to close your account, please contact our customer service team for assistance.
Lotto Panalo is licensed and regulated to operate in the Philippines and is legally prohibited from playing for real money on this site if you are under 21 years of age. Lotto Panalo reserves the right to request proof of age to ensure the authenticity of registration information and to suspend accounts and hold funds until proof of age is verified, subject to local laws. In order to avoid illegal betting, we may verify with third-party companies that you are 21 years of age or older. For the security of your personal information and account, please keep your account details and password confidential.
Some individuals may require a third-party control system for themselves or their family which can restrict access to some websites and some internet sites, such as the following:
Network Filter: www.netnanny.com
Network Nanny: www.cybersitter.com
By ticking the age verification and the "Terms of Service" checkbox during the registration process, the user acknowledge that he/she has read, understand and agrees to be bound by Lotto Panalo’s User Agreement in its entirety and without reservation. As such, the User Agreement constitutes a binding legal document between the user and Lotto Panalo. The Agreement governs the user's use of our gambling services at all times.
We reserve the right to amend, update and change these terms and policies (or parts thereof) over time. If any changes are made, the updated version will be effective upon posting on this Website. By continuing to use, connect to and participate in the Services through the Website and the Devices following any such changes, the User will be deemed to have agreed to and accepted the revised or updated terms and policies. Besides, the User acknowledges and agrees that User is solely responsible for accessing any such revisions, updates and/or changes. Lotto Panalo is under no obligation to, but may in its sole discretion, notify User of such revision, updates and changes.
Information, materials and data, including but not limited to marketing plans and materials, results, statistics, race data and fixtures, odds and betting data, text, icons, audio and visual information provided, disclosed, accessed, generated and/or collected by Users through the Website, Services, devices and/or other means are the property of Lotto Panalo and/or Lotto Panalo's licensors. They are intended for the personal, non-commercial use of the User.
Except as expressly provided in these Terms, User may not adapt, copy, modify, reproduce, store, distribute, display, publicly broadcast, cable, publish, transmit, sell, loan, rent, license or otherwise make available the Information to any other person or any other website, online service or other medium and/or connected device in any manner or by any means without our prior written consent or that of the owner of the third-party information.
The software, services and information available on the Website and/or through connected devices are protected by copyright, trademark and other forms of intellectual property rights and patents. All right, title and interest in and to the software, services and information on the Website are owned, licensed or controlled by Lotto Panalo and/or Lotto Panalo's licensors. The User acknowledges that by using the Website and/or the software, services and information available through connected devices or by linking to the Website, the User does not acquire any right, interest or license in or to the software, services and information.
As a condition of using the Services, the User warrants and undertakes that the User shall not use or link to the Site, the Services, the Software and/or the Information for any purpose that would violate any law applicable to the User, violate these Terms and/or be prohibited by these Terms. In addition to all other representations and warranties set out in these Terms, the User at this moment further warrants and undertakes that, as a condition of using the Services:
In order to participate in and use the Services through Lotto Panalo, the User must complete an account opening and membership application ("Membership Application") following the procedures described on the Website. The User represents and undertakes that all information provided by the User in registering and processing the Membership Application, including the User's name ("Name"), source of funds (including relevant bank account and card numbers) and address as stated in the Membership Application, is true, accurate and complete in all respects. Lotto Panalo will take necessary and reasonable steps to maintain the confidentiality of personal information provided to us by users. Personal data and betting information we receive from users will be kept strictly confidential unless any law requires disclosure, statute, regulation, order or decision of a court or regulatory body or relevant regulatory or law enforcement authority or by these Terms and Conditions. Users are solely responsible for the confidentiality of their personal information. We reserve the right to disclose Users' data to our payment processing service providers and financial institutions to the extent necessary to process payment transactions for the Website's services. The User is also solely responsible for ensuring that the User's use of and connection to the Website and the information contained therein, the downloading and installation of software and/or the User's use of and participation in the Services are not prohibited by any laws applicable to the User.
To verify a user's membership application, we also require proof of identity and age (e.g., a valid photo ID and a debit or credit card). Users should notify us of any changes to the specific original information they provide. Lotto Panalo reserves the right to confirm a user's name and address, including by mail, to ensure a user's name and address. Lotto Panalo may also, at its sole discretion, use other security measures to verify the information provided by the User. By agreeing to these terms, the User consents to Lotto Panalo linking, using, processing and storing the results of any identification or verification of the User. We reserve the absolute right to refuse any user's application for membership for any reason. We are only responsible for the official, alternative Lotto Panalo website published in the online live help. We are not liable for any damage caused by members accessing other links that look like Lotto Panalo. If you have any further questions, please contact our online customer support team directly. Suppose we determine that a user has more than one account with Lotto Panalo. In that case, we reserve the right, in our sole discretion, to treat all of the User's accounts with Lotto Panalo as one combined account, delete the excess accounts, or terminate this agreement with the User.
Bets placed by the User are subject to the specific game or event rules and these Terms and Conditions' provisions. In the event of an obvious error or indication of an incorrect participant in any hand, all bets placed are void for that hand. Lotto Panalo also reserves the right to void any or all bets in the event of a system failure. Notwithstanding any other provision of these Terms and Conditions, Lotto Panalo reserves the right to reject all or part of a user's bet for any reason at its discretion. Lotto Panalo reserves the right to freeze or cancel a customer's account if it is found to be in breach of these Terms and Conditions or in some way fraudulent, trespassing, attacking, falsifying or corrupting the standard rules. All resulting account balances will be frozen and forfeited without the requirement of any prior notice from Lotto Panalo. The use of artificial intelligence or software ("bots") on the online betting service is strictly prohibited. Also, users are responsible for ensuring the accuracy of their own betting details.
Subject to other provisions of these Terms and Conditions, once a User has placed a bet and we have confirmed acceptance of the User's bet, which is final, the User may not cancel or withdraw the bet or change the details of the bet. All bets are recorded in the transaction history database. Lotto Panalo's transaction history is final and conclusive for all transactions and bets placed. Subject to the other provisions of these Terms and Conditions, a bet is deemed valid and accepted by Lotto Panalo when the transaction code appears on the User's screen and is effectively displayed in the User's transaction history. The start times advertised on the website are for informational purposes only. If for any reason, Lotto Panalo inadvertently accepts a bet after the start of a match, Lotto Panalo reserves the right to cancel and void such a bet. The decision of Lotto Panalo shall be final and conclusive in respect of any bets and related transactions.
The User hereby acknowledges and agrees that the User's access to the Software by downloading or through any other means to the Website for its remote use is part of the Services and property of Lotto Panalo and/or Lotto Panalo's licensors; the User shall have no rights to this Software. The User may not adapt, copy, modify, reproduce, store, distribute, display, publicly broadcast, transmit, broadcast, cablecast, publish, transmit, sell, loan, rent, license, or otherwise communicate or make this Software accessible to any other person, websites, online services or any other media and/or connected devices in any way or by any means.
In order to ensure a stable and safe betting environment for our members, we will deduct the invalid transfer codes when settling the backwash of the same game, and for betting on races other than the Big 5, we will determine whether the bet is valid. Thank you for your cooperation and understanding.
If the User uses a credit or debit card, the cardholder's name must be the same as the name used in the membership registration and application process. Suppose the cardholder's name does not match the name used in the account registration and membership application. In that case, Lotto Panalo reserves the right to refuse to settle the relevant transaction. The User assumes all responsibility for payment of all amounts due to Lotto Panalo and/or other users, as the case may be. The User agrees not to affect or cause to be effected refunds of any payments, refuse or revoke payments, and reimburse Lotto Panalo for all refunds, refused or revoked payments, and all losses and expenses incurred in connection therewith. In its sole discretion, Lotto Panalo reserves the right to terminate services or payments to individual users or users who have made payments using certain types of credit or debit cards. Taxes and fees payable under any applicable law regarding winnings are the sole responsibility of the User.
All promotions, rewards and special offers are subject to these Terms and Conditions and any rules and regulations that Lotto Panalo may establish from time to time in relation to specific promotions. Lotto Panalo reserves the right to suspend, cancel or modify such rewards or promotions and/or their related terms and conditions at any time. Suppose Lotto Panalo determines that there has been abuse or attempted abuse of a reward or promotion or a likelihood of benefit from such abuse. In that case, Lotto Panalo reserves the right, at its sole discretion, to prevent, refuse, suspend, or withdraw any user from participating in the reward or promotion in such a manner as it deems appropriate. We reserve the right to cancel any or all of their bets. The amount of money in the accounts of the individuals, relatives, organisations, bookmakers and their employees involved will be immediately seized.
Abuse of bonus offers:
All bonus offers are restricted to poker bets only. We reserve the right to define a player as a professional or a regular player, and any abuse of the bonus offer in any way will result in the withdrawal of the bonus and further action. Abuse of bonus offers may be defined as (but not limited to) withdrawals made by the customer for redeposit, or transfer to a new account for their own use. Penalties may take the form of increased stakes or deduction of the bonus amount, and other associated accounts will also be included. We reserve the right to introduce special bonus offers if necessary, which may include (but is not limited to) setting up geographical restriction rules to prevent abuse of the bonus offer.
The User agrees to reimburse Lotto Panalo's shareholders, employees, officers, directors, licensees, distributors, affiliates, subsidiaries and/or agents for any loss, damage or claim (including reasonable attorneys' fees) arising out of the User's connection to the Site, downloading or installation of software, placing bets and/or otherwise using the Services, software and/or information, and/or breach of these Terms and/or Rules. The User shall compensate Lotto Panalo in full for any loss, damage or claim (including reasonable attorneys' fees) against Lotto Panalo's shareholders, officers, directors, licensees, distributors, affiliates, subsidiaries and/or agents arising out of any breach of these Terms and/or Rules.
It is an entirely personal choice, based on personal judgement and analysis, and is done at your own risk. By placing a bet, the User acknowledges that the service, website and information are not offensive, unfair or contrary to public morals. Some jurisdictions are undecided about the legality of online and/or offshore online. In contrast, other jurisdictions make it explicitly illegal to do so (in and/or offshore of the jurisdiction). We do not encourage anyone to use and/or access the website, information, services, materials, and the creation and provision of the site in circumstances where such use or access is illegal. It does not constitute an offer, solicitation or invitation for anyone to use or connect the above content in those unlawful acts. The User is solely responsible for compliance with applicable laws. Lotto Panalo makes no representations that the Services, Software, Site or information thereon complies with the laws applicable to the User. The Services, Software, Site and Information are provided on an "as is" basis. Except as expressly provided herein, Lotto Panalo makes no representations or warranties concerning the services, software, website and information. All representations or warranties, express or implied, statutory or otherwise, concerning the services, software, website and information are hereby excluded to the fullest extent permitted by law. Lotto Panalo does not warrant the accuracy, timeliness, security, continuity, correctness or resistance to outside interference of the services, software, website or information, or the correction of any defects found. Lotto Panalo also does not guarantee that the services, software, website and information or the server that makes them available are free of any viruses, spyware, adware, programs or any other features that are malicious, destructive, or that may cause your computer to crash. The User agrees to take precautions, at its own expense, to ensure that the processes, methods and/or connected equipment used to use or connect to the services, as well as the installation of the software and the use of the website, do not introduce computer viruses, spyware, adware or other code that is malicious, destructive or can cause computer breakdown or other risks of interference with or damage to its connected equipment or the data stored therein.
Lotto Panalo shall not be liable for any system errors or communication errors relating to the settlement of accounts or other aspects of the Services. In such a case, Lotto Panalo reserves the right to cancel all bets affected by such errors and to take any corrective action. In no event shall Lotto Panalo be liable for any damages, losses or expenses incurred by the User in connection with, use of or participation in the Services, the website, the software and the information, including any interference with or corruption of the User's connected equipment or data stored therein. In addition, Lotto Panalo makes no warranties or representations and is not responsible for the content of the services, website, software and information provided by third parties, including but not limited to broadband and telecommunications service providers, and in no event shall Lotto Panalo be liable for any breach, fault or omission on the part of such third-party partners. In no event shall Lotto Panalo, its affiliates, associates, partners, officers, employees and agents be liable for any damages, losses or expenses, including, without limitation, any direct, indirect, consequential or special damages arising out of or in connection with the User's connection to or use of the services, website, software and information, or the User's downloading, installation or use of the software. Any direct, indirect, consequential or special damages or economic loss, whether or not Lotto Panalo has been advised of the possibility of such damages, losses or expenses. In any event, Lotto Panalo's entire liability (if any) to the User for any loss or damage arising out of or in connection with any matter, event or circumstance directly related to the User's wager (whether based on contract, tort, strict liability or otherwise) shall, to the maximum extent permitted by law, not exceed the amount of the User's corresponding wager. The User acknowledges that the information may be temporary, in whole or in part, and may be amended, modified, or changed according to this clause. Accordingly, the User acknowledges that the information is for information purposes only and does not constitute any advice, opinion or solicitation, nor does it constitute any binding representation, warranty, contractual obligation or the content and basis on which the User relies.
The User hereby acknowledges and agrees that the exclusion of all liability and obligations described in this provision represents a fair and reasonable allocation of risk and benefits under the agreement between the User and Lotto Panalo, taking into account all relevant factors, including, without limitation, the value of the consideration provided by the User to Lotto Panalo. The User further agrees that the previous waivers and regulations shall be enforceable to the fullest extent permitted by applicable law. Internal player account transfers are strictly prohibited. Money laundering transactions between player accounts are not permitted in accordance with the terms of the Anti-Money Laundering Policy. If discovered, we reserve the right to return the amount to the original player's account (including poker-style "chip dumping"). Such cases will be carefully verified and dealt with strictly. Arrangements involved in "money laundering" may be closed, and all account balances (including deposits and any winnings) may be deducted.
Betting Groups:
Individuals or groups of bettors claiming bonus amounts or event winnings may only use one account. Other multiple accounts will be combined into one account. We reserve the right to deduct the appropriate administration fees and refuse to win out other partnership accounts. We also reserve the right to cancel betting transactions, whether on an individual or partnership basis, where the bonus is fraudulently claimed.
Lotto Panalo has the right, in addition to Lotto Panalo's other rights under this section, to void any winnings and forfeit the balance in the User's betting account. Also, to terminate this agreement and/or suspend the provision of services/freeze the User's account, in its sole discretion, if Lotto Panalo has good reason to believe or prove that.
Suppose we suspend the provision of the service and/or freeze an account as required. In that case, the service and the user's account will be reinstated and unfrozen after the user has implemented the necessary corrective action (if correctable) and received a confirmation from us that we are fully satisfied with the user's corrective action. Freezing/closing accounts where the same player has registered for multiple accounts and where one of the accounts is suspended or closed for any reason, we reserve the right to close the other accounts and terminate/cancel all betting and deposit/withdrawal transactions.
If Lotto Panalo fails or is delayed in performing any of its obligations under these Terms and Conditions due to any of the events outside its control (Example:
acts of God, changes in applicable laws and regulations, acts or omissions of governmental, civil or military authorities, court orders, terrorist activity, lightning or fire, strikes, lockouts or other labour disputes, floods, drought, war, riots, theft, transmission or system failures, communications or broadband services failure or interruption, failure or inadequacy of power supply or equipment, inclement weather, earthquakes and natural disasters) shall not constitute a breach of these Terms and Conditions. The User agrees to take all necessary action to minimise the consequences of such events.
