Terms & Conditions

1Definitions

For the purposes of this Agreement, the following terms shall have the meanings ascribed to them below:

2Eligibility

To be eligible to open and maintain an Account with 99luck, you must satisfy all of the following conditions at all times:

• You are a natural person aged 21 years or older at the time of registration.
• You are acting on your own behalf and not as an agent or representative of a third party.
• You have not previously been excluded from the Platform or from any other online gambling service operated by the Company.
• You have full legal capacity to enter into a binding contract under the laws applicable to your place of residence.
• You are not a resident of a Restricted Jurisdiction where online gambling is explicitly prohibited by local statute.
• You are not an employee, contractor, officer, or director of 99luck, nor an immediate family member of any such person.
• You are not registered as a problem gambler on any self-exclusion register or database.

The Company reserves the unilateral right to verify eligibility at any stage of the customer relationship and to request documentary evidence in support thereof. Failure to satisfy or maintain any eligibility requirement may result in immediate account suspension, cancellation of pending bets, forfeiture of bonus funds, and, where appropriate, return of verified deposits.

3Account Registration

Each individual is permitted to maintain one (1) Account only on the 99luck Platform. Operating multiple accounts — whether under the same or different identities — constitutes a serious breach of this Agreement and will result in immediate closure of all associated accounts and forfeiture of all funds therein.

During the registration process, you are required to provide accurate, current, and complete personal information, including but not limited to your full legal name, date of birth, valid email address, Indonesian mobile phone number, and preferred payment method. You warrant that all information provided is truthful and agree to promptly update your Account details if any information changes.

Know Your Customer (KYC) Verification is mandatory for all withdrawal requests and is recommended to be completed upon registration. You may be required to submit any or all of the following documents:

• A clear photograph or scan of your Indonesian National Identity Card (Kartu Tanda Penduduk / KTP).
• A recent selfie photograph holding your ID document.
• Proof of ownership of the payment method used for deposits (e.g., bank account statement, e-wallet screenshot).
• Proof of address dated within the last three (3) months where additional verification is required.

You are solely responsible for maintaining the confidentiality of your Account login credentials, including your username and password. 99luck will not be liable for any losses incurred as a result of unauthorized access to your Account caused by your failure to protect your login information. You must notify our Customer Support team immediately if you suspect any unauthorized use of your Account.

4Deposits & Withdrawals

99luck accepts deposits via the following methods for Indonesian players:

• Bank Transfer: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon — minimum deposit Rp 50,000; maximum Rp 50,000,000 per transaction.
• Electronic Wallets: OVO, DANA, GoPay, ShopeePay, LinkAja — minimum deposit Rp 20,000; maximum Rp 10,000,000 per transaction.
• Cryptocurrency: USDT (TRC-20 / ERC-20) — minimum equivalent of USD 10; maximum USD 100,000 per transaction.

All deposits are subject to anti-money laundering (AML) screening. The Company reserves the right to request source-of-funds documentation for deposits deemed unusually large or inconsistent with a Player's historical activity. Deposits must originate from payment methods registered in the Player's own name — third-party deposits are strictly prohibited and will be reversed.

Withdrawal Policy: Withdrawals are processed only to payment methods previously used for deposits and verified in the Player's name. A minimum withdrawal amount of Rp 100,000 applies across all methods. Processing times are as follows:

• Bank Transfer (BCA, BRI, BNI, Mandiri): 15 minutes to 2 hours for verified accounts; up to 24 hours for unverif ied accounts pending KYC review.
• Electronic Wallets (OVO, DANA, GoPay): 15 minutes to 1 hour for verified accounts.
• Cryptocurrency (USDT): 30 minutes to 4 hours subject to network confirmation times.

99luck does not charge withdrawal fees for transactions above Rp 500,000. A processing fee of Rp 5,000 applies to withdrawals below this threshold. The Company reserves the right to conduct enhanced due diligence on withdrawal requests that materially exceed a Player's average deposit history. During such reviews, funds may be temporarily held for a period not exceeding five (5) business days.

Currency: All Player Funds are held and transacted in Indonesian Rupiah (IDR / Rp) unless the Player elects to use a cryptocurrency deposit method, in which case the equivalent IDR value at the time of deposit confirmation shall apply. Exchange rate fluctuations in cryptocurrency transactions are borne entirely by the Player.

5Bonuses & Promotions

99luck offers a range of promotional bonuses to eligible Players, including but not limited to welcome bonuses, reload bonuses, cashback programs, referral bonuses, and seasonal promotions. All bonuses are subject to the specific terms published at the time of the promotion, which form an integral part of this Agreement.

The following general conditions apply to all bonuses unless otherwise stated in the specific promotion terms:

• Bonuses are available to one Account per person, per household, per IP address, and per device. Attempts to claim multiple bonuses by operating multiple accounts will result in forfeiture and account suspension.
• All bonuses carry a wagering requirement (minimum turnover) that must be satisfied in full before any portion of bonus-derived winnings may be withdrawn. The standard wagering requirement is 30x the bonus amount unless otherwise specified.
• Maximum bet size while clearing a wagering requirement is Rp 50,000 per round or per bet. Bets exceeding this limit during bonus play may be voided at the Company's discretion.
• Bonuses expire if not claimed within the stated validity period (typically 7–30 days). Unclaimed or expired bonuses are automatically removed from the Account.
• Certain game types — including live dealer games, progressive jackpots, and selected table games — may contribute at a reduced rate (or not at all) toward wagering requirements. Full contribution rates are listed in individual promotion terms.
• The Company reserves the right to amend, suspend, or withdraw any promotion at any time without prior notice, subject to honoring commitments already accepted by Players.
• Bonuses are issued in IDR unless the Player's Account operates in an alternative currency, in which case an equivalent value applies.

6Betting Rules

All bets placed through the 99luck Platform are subject to the following general betting rules, in addition to any sport-specific or game-specific rules published separately on the Platform:

• A bet is considered confirmed and binding only after the Platform has issued a unique bet reference number and the corresponding stake has been deducted from the Player's Account balance.
• Odds displayed at the time of bet placement apply to that bet. Post-placement odds changes do not affect confirmed wagers.
• In the event of a technical fault, communications failure, or manifest error resulting in incorrect odds being displayed, 99luck reserves the right to void affected bets and refund stakes to the Player's Account.
• Mix parlay (accumulator) bets require all selections to win for the bet to pay out. If one or more selections are voided due to event cancellation, the accumulator is recalculated based on remaining valid selections.
• For sports events featuring Asian handicap (voor bola) markets, the specific handicap rules published in the sportsbook section govern settlement. Where a match is abandoned before the minimum required playing time, bets are generally voided unless settlement criteria have already been met.
• Live (in-play) bets may be subject to a brief acceptance delay during which odds are refreshed. The Platform clearly indicates when live odds are being updated.
• The Company's decision on the outcome of all bets, games, and disputes is final, subject to the complaints process described in Section 14 of this Agreement.

For casino and slot games, all outcomes are determined by certified Random Number Generator (RNG) systems that are independently audited for fairness. Published RTP (Return to Player) percentages represent theoretical long-run averages and do not guarantee specific results for any individual gaming session.

7Prohibited Conduct

Players are strictly prohibited from engaging in any of the following activities on or in connection with the 99luck Platform:

• Registering more than one Account, or assisting another person in registering an Account for the purpose of circumventing eligibility restrictions or bonus policies.
• Using automated software, bots, scripts, or artificial intelligence tools to place bets, exploit promotions, or interact with the Platform in a manner inconsistent with normal human use.
• Colluding with other Players, exploiting software vulnerabilities, engaging in match-fixing, or any other activity designed to gain an unfair advantage.
• Depositing funds derived from criminal activity, money laundering, terrorist financing, or any other illegal source.
• Providing false, misleading, or fraudulent personal information during registration, KYC verification, or at any other point in the customer relationship.
• Engaging in charge-back fraud, reversing legitimate deposits, or disputing transactions with payment providers in bad faith.
• Systematically exploiting bonus offers through coordinated multi-account strategies, commonly known as "bonus abuse" or "bonus hunting".
• Accessing the Platform from a Restricted Jurisdiction while misrepresenting your location through VPN, proxy, or other obfuscation technology.
• Harassing, threatening, or using offensive language toward 99luck staff or other Players via any communication channel.

The Company actively monitors Platform activity for patterns indicative of prohibited conduct. Where such conduct is identified or reasonably suspected, 99luck reserves the right to immediately suspend the Account, withhold pending withdrawals pending investigation, forfeit bonus funds, and report the matter to relevant law enforcement or regulatory authorities.

8Intellectual Property

All content available on the 99luck Platform — including but not limited to the brand name, logo, website design, graphics, text, software, game interfaces, audio, video, and data compilations — is the exclusive intellectual property of 99luck or its licensed content providers and is protected by applicable international copyright, trademark, and intellectual property law.

Players are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal entertainment purposes in accordance with this Agreement. This license does not permit you to:

• Copy, reproduce, distribute, publish, or commercially exploit any Platform content without prior written consent from 99luck.
• Decompile, reverse-engineer, disassemble, or otherwise attempt to derive the source code of any Platform software.
• Create derivative works based on Platform content or use 99luck trademarks in any manner that implies endorsement or affiliation without authorization.

9Limitation of Liability

To the maximum extent permitted by applicable law, 99luck 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 profits, revenues, data, goodwill, or other intangible losses resulting from your inability to access or use the Platform.
• Errors, inaccuracies, or omissions in game outcomes, odds calculations, or settlement results caused by technical faults beyond the Company's reasonable control.
• Unauthorized access to your Account resulting from your failure to maintain the security of your login credentials.
• Service interruptions, downtime, or delays caused by internet infrastructure failures, third-party payment processor outages, or force majeure events including natural disasters, government orders, or civil unrest.

In all cases where the Company is found to be liable, its total aggregate liability to any individual Player shall not exceed the total net deposits made by that Player in the twelve (12) month period immediately preceding the event giving rise to the claim. Nothing in this clause limits liability for fraud, death, or personal injury caused by the Company's negligence, to the extent such limitation is prohibited by applicable law.

The Platform and all services are provided on an "as is" and "as available" basis. 99luck makes no warranty — express or implied — regarding the uninterrupted availability of the Platform, the fitness of games for any particular purpose, or the accuracy of information published thereon.

10Privacy & Data

The collection, storage, processing, and use of your personal data by 99luck is governed by our Privacy Policy, which forms an integral part of this Agreement and should be read in conjunction with these Terms & Conditions. By registering an Account, you consent to the processing of your personal data as described in the Privacy Policy.

In summary, 99luck collects personal data for the following primary purposes:

• Identity verification and KYC compliance in accordance with anti-money laundering obligations.
• Processing deposits, withdrawals, and other financial transactions.
• Providing customer support and responding to Account-related inquiries.
• Delivering promotional communications, subject to your marketing preferences and opt-out rights.
• Analyzing Platform usage to improve service quality and detect fraudulent or prohibited conduct.

99luck does not sell, rent, or trade your personal data to unaffiliated third parties for their independent commercial use. Data is shared only with trusted service providers acting on the Company's behalf, regulatory authorities as required by law, and payment processors necessary to facilitate transactions.

11Account Termination

Voluntary Closure: You may request the closure of your Account at any time by contacting 99luck Customer Support. Upon receipt of your request, all pending bets will be settled in accordance with normal rules and any remaining verified balance will be returned to your registered payment method within five (5) business days, subject to completion of any outstanding KYC requirements.

Company-Initiated Closure: 99luck reserves the right to suspend, restrict, or permanently close any Account — with or without prior notice — in the following circumstances:

• Breach of any provision of this Agreement, including the Prohibited Conduct clauses in Section 7.
• Reasonable suspicion of fraudulent activity, money laundering, or other criminal conduct.
• Failure to complete KYC verification within the time period specified by the Company.
• A Player's voluntary enrollment in a self-exclusion program or responsible gaming tool.
• Receipt of a regulatory directive or court order requiring account suspension.

Where an Account is closed by the Company due to a breach of this Agreement, any bonus funds, promotional credits, and bonus-derived winnings will be forfeited. Verified deposits that are not implicated in the breach will be returned subject to standard processing procedures.

12Governing Law

This Agreement and any dispute or claim arising out of or in connection with it (including non-contractual disputes or claims) shall be governed by and construed in accordance with international commercial law principles applicable to the jurisdiction in which 99luck is incorporated and licensed. The Company operates under an internationally recognized online gaming license and adheres to the regulatory standards of its licensing authority.

For Players accessing the Platform from Indonesia, this Agreement is entered into with the understanding that online gambling regulations in Indonesia are subject to ongoing legislative review. You acknowledge that it is your sole responsibility to determine whether accessing and using the Platform is lawful in your jurisdiction, and you agree to hold 99luck harmless from any legal consequences arising from your choice to access the Platform.

Any dispute between a Player and 99luck shall first be submitted to our internal dispute resolution process (see Section 14). If a satisfactory resolution cannot be reached within thirty (30) days, either party may refer the matter to binding arbitration conducted in English under internationally recognized arbitration rules.

13Amendments

99luck reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, the Company will notify registered Players via email to the address on file and/or by displaying a prominent notice on the Platform for a period of no less than fourteen (14) days prior to the changes taking effect.

Your continued use of the Platform after the stated effective date of any revision constitutes your acceptance of the updated Agreement. If you do not agree with the revised terms, you must cease using the Platform and contact Customer Support to request account closure before the effective date. The "Last Updated" date shown at the top of this page reflects the date of the most recent revision.

14Contact Us

If you have questions, concerns, or disputes relating to these Terms & Conditions, or wish to submit a formal complaint, please contact the 99luck Customer Support team through any of the following channels. All communications should be made in English or Indonesian and include your registered Account username and a clear description of the matter.

• Email: [email protected] (plain text — not a clickable link; response within 2–6 hours on business days)
• Live Chat: Available 24/7 via the in-platform chat widget; average response time 2–5 minutes during peak hours
• WhatsApp: Contact number available upon Account registration; Indonesian-speaking agents available during WIB business hours (08:00–22:00 WIB)

For responsible gaming concerns — including requests for self-exclusion, deposit limits, or referrals to professional counseling services — please visit our Responsible Gaming page or contact our dedicated responsible gaming support line available through live chat at any time.

Formal complaints will be acknowledged within twenty-four (24) hours of receipt and resolved within thirty (30) business days. Where resolution requires extended investigation, the Company will provide a written status update every ten (10) business days until the matter is closed.