Access to tinolabet and all activity within your account is subject to the terms set out here, and availability depends on local law and the eligible regions we serve. These pages exist so you have a clear, readable record of what we commit to, what you accept when you open an account, and how both sides handle questions when they arise.
Account Terms
GrabPay & InstaPay Transaction Records
Coins. ph Wallet Policy
Data Handling
JURISDICTION AND SCOPE
Where These Terms Take Effect
These terms apply wherever access to tinolabet is lawfully permitted. We do not make representations about legal standing in jurisdictions where online account-based wagering is restricted or prohibited — if you are uncertain whether access is permitted where you are located, you should check your local law before opening or using an account. Within supported regions of the Philippines, your account and all transactions processed through it — including GrabPay transfers, InstaPay settlements and Coins. ph wallet movements — are governed by these terms. Each payment record generated by those rails is stored in your account transaction history and can be reviewed at any time after login. We update these terms when product features, payment integrations or regulatory context changes. When a material change is made, we place a notice on the policy page and, where the change affects your account directly, we send a notification to the contact detail on your account. The version date shown at the foot of each policy section marks the effective date of that version. Continuing to use the account after that date constitutes acknowledgement of the updated terms.
GrabPay
GrabPay transfers processed through your account are covered under the transaction terms in this policy. Records appear in account history.
InstaPay
InstaPay settlements are subject to the same data-handling terms as all account transactions. Settlement reference numbers are stored in your transaction log.
Coins. ph
Coins. ph wallet activity linked to your tinolabet account falls within the scope of these terms. Wallet records are accessible from your account history page.
Eligibility
Access is available only where local law permits. You confirm eligibility each time you log in and initiate a transaction.
INSIDE AND OUTSIDE POLICY
What This Policy Covers and What It Does Not
Not everything connected to your experience is within the boundaries of this policy. Understanding the scope helps you direct questions to the right place — whether that is our account support team, a payment rail's own help centre, or the terms of a specific content provider.
Account Access
Login, session management and account verification steps are fully within this policy. If access is blocked or account details need correction, contact our support team using the path shown in the Support section of this page.
Transactions
Deposits and withdrawals processed through GrabPay, InstaPay and Coins. ph are within scope for record-keeping and dispute-raising purposes. Processing rules of the payment rail itself — cut-off times, daily limits set by the rail — fall under that rail's own terms.
Site Content
Game titles available in the lobby — including Carabao Charge, Color Game Perya and Bingo 75 Ball — are within scope for account-level interaction. Content mechanics and payout structures shown inside individual games are governed by the game provider's published specifications.
Third-Party Services
External sites linked from our pages, third-party login providers and payment-processor portals outside the tinolabet account environment are outside the scope of this policy. Those services carry their own terms and privacy practices.
YOUR ACCOUNT RIGHTS
Practical Steps Available Under This Policy
You have specific, actionable options under this policy — not just a list of legal positions. After login, your account dashboard shows the current state of your profile data, transaction records and communication preferences. Reviewing those records is the starting point for most policy-related actions. If a GrabPay deposit reference or an InstaPay settlement ID does not match what your e-wallet shows, the transaction history page in your account is the first place to check — the reference numbers stored there should correspond exactly to what your payment app recorded. For corrections to your account name, contact address or linked payment detail, use the account settings page and follow the fields and verification steps shown there. Where a correction requires document verification, the instructions appear inline on that settings page. If you want to raise a formal question about how your data is handled, or request that a specific record be reviewed, the support contact paths in the next section of this page apply.
Review Records
Open your account transaction history after login to see every deposit and withdrawal reference, including GrabPay and InstaPay IDs. No additional request is needed — the records are visible directly from your dashboard.
Correct Account Details
Account name, contact address and linked payment method corrections are made through the account settings page. Follow the verification fields shown there; do not send correction requests through chat without completing the on-page steps first.
Raise a Policy Question
For questions about data retention, policy scope or a specific transaction record, use the support contact paths listed in the Support section below. Include your account reference and the relevant transaction ID when you write in.
Request a Record Review
If you believe a transaction record is incorrect, submit a review request through support with the payment reference number from your Coins. ph, GrabPay or InstaPay app. We will check the record against the stored reference on our side.
CONTACT AND QUERIES
Reach Us About a Policy Question
Policy questions and account-record disputes have a clear contact path. When you write in, include your account number and any relevant transaction reference — that shortens the review time significantly. The channels below are the ones we monitor for policy-related matters.
Live Chat
Open the chat widget from any page while logged in. State that your query is policy-related so the agent routes it correctly. Include the transaction ID or account detail in question at the start of the conversation.
Email Support
Send policy and data-handling questions to our support email address shown on the Contact page. Attach a screenshot of the relevant transaction record from your GrabPay, InstaPay or Coins. ph app where applicable.
Account Help Centre
The Help Centre accessible from your account dashboard covers common policy questions with step-by-step paths. Check there first — many record and correction questions are resolved without needing to contact support directly.
HOW WE HANDLE YOUR DATA
Data Handling, Cookies and Account Security
We hold only the data required to operate your account and process your transactions. That includes your login credential, contact detail, payment references from GrabPay, InstaPay and Coins. ph, and the session records generated each time you access the account. Data is not shared with third parties for marketing. Cookies are used to maintain your session state and to apply your account preferences across pages — you can review the cookie settings available to you from the footer of any page. Account security relies on the login credential you set; if you suspect unauthorised access, the fastest path is to update your password immediately from the account settings page and then contact support.
Data Retention
Transaction records, including GrabPay and InstaPay references, are retained for the period required by applicable financial and regulatory rules. After that period, records are removed from active storage in line with our data schedule.
Cookie Handling
Session and preference cookies are placed when you log in. You can see which cookies are active and adjust non-essential cookie acceptance from the cookie settings link in the site footer — no account login needed to access that page.
Account Security
Your login credential controls access to your full account history, wallet and payment records. We do not ask for your password through chat or email. Any message requesting your password is not from us — report it through the support chat.
Policy Change Notification
When this policy is updated in a material way, a notice appears on this page and a message goes to the contact detail on your account. The effective date at the foot of each section marks when that version takes effect.
POLICY FAQ
Common Questions About These Terms
If your question is not answered here, the support paths in the section above apply. Include your account reference when you write in.
Does this policy apply to me if I am in the Philippines?
Access and the application of these terms depend on local law. Where access to tinolabet is permitted in the Philippines under applicable local law, these terms govern your account and all transactions processed through it, including GrabPay, InstaPay and Coins. ph activity.
Where can I see my GrabPay and InstaPay transaction records?
Log in to your account and open the transaction history page. Every deposit and withdrawal carries the reference number generated by the payment rail — GrabPay references and InstaPay settlement IDs are stored there and should match what your e-wallet app shows.
How do I correct an error in my account details?
Go to account settings after login and follow the correction fields shown there. Some changes require identity verification — the page will prompt you through those steps inline. Do not attempt corrections through chat before completing the on-page process.
What data does tinolabet keep about my account?
We retain your login credential, contact detail, payment references and session records for the period required by applicable rules. We do not share that data with third parties for marketing. The full data-handling position is in the Data Handling section of this policy page.
What should I do if I think a transaction record is wrong?
Take a screenshot of the relevant record from your GrabPay, InstaPay or Coins. ph app, then contact support through live chat or email. Include your account reference and the payment reference number — we check it against the record stored on our side.
How will I know if these terms change?
A notice appears on this policy page when a material update is made. If the change affects your account directly, we also send a message to the contact detail registered on your account. The effective date at the foot of each section shows when that version applies.