Terms & Conditions hk88 — hk88 Malaysia Platform User Guidelines

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User" or "Member") and hk88 ("Company," "we," or "platform"). These Terms govern your use of the website, services, and all games provided by hk88, including but not limited to Baccarat, Blackjack, Poker, Slots, Lottery, Live Matches, and Sports Betting.

By accessing or using any part of the hk88 platform, you expressly indicate your agreement to comply with these Terms, together with hk88's Privacy Policy and any additional guidelines published from time to time. If you are using the hk88 platform on behalf of another person or entity, you also represent that you have the legal authority to bind that party to these Terms.

Hk88 reserves the right to amend, revise, or replace any part of these Terms at any time. Notification will be provided via your registered email or through an in-platform notice. It is your responsibility to review these Terms periodically.

The hk88 platform is restricted to individuals who meet all of the following eligibility criteria:

• Aged 21 years of age and above at the time of registration and at all times while using the platform;
• Is physically present in Malaysia or is a Malaysian citizen accessing the platform from abroad;
• Not currently enrolled in any self-exclusion programme enforced by hk88 or a relevant authority;
• Not represent or act on behalf of any business entity that has not been authorised by hk88;
• Have full legal capacity to enter into a binding agreement under Malaysian law.

Hk88 reserves the right to request proof of identity and age at any time, including a copy of your Malaysian identity card (MyKad), bank statement, or other supporting documents deemed necessary. Failure to provide the required documents within the specified timeframe may result in account suspension.

Each individual is only permitted one (1) account at hk88. Owning or controlling more than one account is a breach of these Terms and may result in the closure of all such accounts without refund of any remaining balance.

During registration, you are required to provide information that is truthful, accurate, complete, and current. The required information includes:

• Full name as per MyKad;
• An active, verifiable Malaysian mobile number;
• An active email address;
• Exact date of birth;
• A strong, unique password for your hk88 account.

Any losses arising from unauthorised access to your account due to your own negligence in safeguarding your login credentials are beyond hk88's responsibility. If you suspect your account has been accessed without authorisation, contact the hk88 support team immediately via Live Chat.

Hk88 accepts deposits via the following Malaysian payment methods only:

All deposits are processed in Malaysian Ringgit (RM). hk88 does not charge any additional fees for deposits; however, your digital wallet provider or bank may apply charges subject to their own service terms. hk88 is not responsible for any fees levied by such third parties.

Failed or delayed deposits due to technical issues on the part of a third-party payment provider are outside hk88's control. If your deposit has not been credited within 30 minutes, please contact hk88 support with proof of transaction for investigation.

Withdrawals from your hk88 account are subject to the following conditions:

• The minimum withdrawal amount is RM 50 per application;
• Withdrawals may only be made to the same payment method used for the original deposit;
• The account holder name on your digital wallet or bank account must match the name registered on your hk88 account;
• Withdrawals to Touch 'n Go eWallet, GrabPay, and DuitNow are typically processed within 2 to 5 minutes;
• Withdrawals via FPX to Maybank or CIMB Clicks are processed within 15 to 60 minutes, depending on the bank's operating hours;
• Hk88 reserves the right to request additional identity verification (KYC) before approving withdrawals exceeding RM 5,000.

Hk88 reserves the right to suspend or reject withdrawal requests that raise suspicion of fraud, bonus abuse, or money laundering. Such cases will be investigated, and hk88 may take up to 14 business days to complete the investigation before approving or rejecting the withdrawal.

All bonuses and promotions offered by hk88 are subject to specific terms and conditions stated alongside each offer. The general conditions that apply to all hk88 bonuses are as follows:

• Rollover: All bonuses must be rolled over at the rate stated in the offer before a withdrawal is permitted. For example, a bonus with a 5x rollover requirement means the bonus amount must be wagered five times;
• One Bonus Per Offer: Each member is eligible for one specific bonus offer at a time, unless otherwise stated;
• Validity Period: All bonuses carry a validity period that is clearly stated. Expired bonuses will be automatically removed from your account;
• Eligible Games: Some bonuses are only valid for specific games. Check your bonus terms to see which games are eligible;
• Welcome Bonus: Only one Welcome Bonus claim is permitted per member, for the lifetime of the account.

Hk88 reserves the right to modify, withdraw, or terminate any bonus offer at any time without prior notice. Changes will not affect bonuses already credited to a member's account on the date the changes are made.

All games on hk88 — including Baccarat, Blackjack, Roulette, Slots, Dragon Tiger, Poker, and all Live Casino games — are operated in accordance with international industry-standard rules. Game-specific rules are available within each game's interface.

Game outcomes generated by the hk88 system are final. Any dispute regarding a game outcome must be submitted to the hk88 support team within 72 hours after the game ends. Disputes submitted after this period will not be considered.

In the event of a technical disruption during an active game, hk88 will attempt to restore the game to its last confirmed state. If restoration is not possible, hk88 reserves the right to void the affected round and return the bet amount to the player's account. Winnings that cannot be verified due to a technical disruption are considered null and void.

Hk88's Sports Betting section offers markets across more than 30 sports, including football (Malaysia Super League, EPL, La Liga, and other international leagues), badminton (Thomas Cup, BWF World Tour), e-sports (Mobile Legends, DOTA 2), NBA, tennis, cricket, Formula 1, MotoGP, and more.

• Odds: All odds are displayed in European (decimal) format. Odds are subject to change until a bet is confirmed;
• Minimum Bet: RM 10 per betting ticket for most markets;
• Cancelled Match: If a match is cancelled before it begins, all bets will be voided and stakes fully refunded;
• Suspended Match: If a match is suspended after kick-off and does not resume within 48 hours, hk88 reserves the right to void the relevant bets;
• Live In-Play Betting: Confirmed in-play bets cannot be cancelled by the player. hk88 reserves the right to void confirmed in-play bets in the event of a technical disruption;
• Cash Out: The cash out feature is subject to market availability and may be withdrawn by hk88 without prior notice.

Hk88 reserves the right to refuse, void, or limit any bets that raise suspicion of match fixing or irregular betting activity. hk88 works with sports governing bodies and regulatory authorities to report suspicious activity.

The following are strictly prohibited on the hk88 platform and may result in immediate action, including account closure and forfeiture of funds:

• Registering more than one hk88 account or assisting others in doing so;
• Using any automated software, bots, or third-party tools to automate gameplay or betting actions;
• Colluding with other players to manipulate game outcomes;
• Exploiting any bugs or technical vulnerabilities in the hk88 system to gain an unfair advantage;
• Uploading or distributing harmful content, viruses, or code that could compromise the hk88 platform;
• Using the hk88 platform for any money laundering or illegal activity financing purposes;
• Harassing, threatening, or displaying inappropriate behaviour towards support staff or other players;
• Providing false information during registration or the identity verification (KYC) process.

Hk88 reserves the right to suspend or close any account without prior notice where there is reasonable cause to believe a violation of these Terms has occurred. Situations that may lead to account suspension or closure include:

• Violation of any part of these Terms & Conditions;
• Suspected fraud, money laundering, or illegal activity;
• Failure to submit the requested identity verification documents within the specified timeframe;
• Self-exclusion requests initiated by the member;
• Accounts inactive for 12 consecutive months (dormant accounts).

Members may close their hk88 account at any time by contacting the support team. Any cash balance remaining in an account closed at the member's own request will be refunded via the payment method linked to the account, subject to identity verification and no outstanding terms violations.

To the extent permitted by applicable Malaysian law, hk88 and its directors, officers, employees, and representatives shall not be liable for any indirect, incidental, special, consequential, or punitive losses arising from the use of the hk88 platform, including but not limited to:

• Financial losses arising from gaming or betting outcomes;
• Losses arising from service disruptions, downtime, or technical issues beyond hk88's reasonable control;
• Unauthorised access to your account resulting from your own negligence;
• Disputed game outcomes submitted after the stipulated 72-hour period.

Hk88 is committed to promoting healthy and responsible gaming. We believe gaming should be a form of entertainment, not a source of financial or emotional stress. The following tools are available to all hk88 members at no charge:

• Deposit Limit: Set daily, weekly, or monthly deposit limits. Limits take effect immediately once set;
• Play Time Limit: Receive automatic notifications and the option to force log out once your set play time limit is reached;
• Cooling-Off (Temporary Break): Suspend your account for anywhere between 24 hours and 6 months. Your account cannot be accessed during the cooling-off period;
• Long-Term Self-Exclusion: Permanently close your account with a minimum 5-year self-exclusion period, for those who require a more decisive measure.

If you or someone you know has a gambling problem, please contact the hk88 support team or seek help from a relevant organisation. Play smart, and only play within your means.

For more information on the tools and resources available, please visit the Responsible Gaming hk88.

Hk88 collects, processes, and stores members' personal data in accordance with Malaysia's Personal Data Protection Act (PDPA) 2010. Data is collected for the purpose of:

• Verifying member identity and eligibility;
• Processing deposits, withdrawals, and other transactions;
• Delivering customer support and service-related communications;
• Meeting legal compliance and fraud prevention obligations;
• Improving the overall user experience on the hk88 platform.

Hk88 will not sell or disclose your personal data to third parties for marketing purposes without your explicit consent. For full details on our privacy practices, please read the hk88 Privacy Policy which form part of these Terms.

Hk88 reserves the right to modify, amend, add to, or replace any part of these Terms & Conditions at any time. Any material changes will be communicated to members via:

• An email to your registered address, at least 7 days before the amendments take effect;
• A clear notice on the hk88 platform's homepage and Terms & Conditions page;
• An in-account notification upon your first login after the amendments are made.

These Terms & Conditions are governed by and interpreted in accordance with the laws applicable in the jurisdiction where hk88 is licensed to operate. For all matters involving Malaysian players, Malaysian legal principles will serve as the primary guiding reference.

Any dispute arising from or in connection with these Terms shall first be resolved through direct negotiation between the member and the hk88 support team. Members are required to submit their complaint in writing to support@hk88-khelo.com with full details of the dispute.

Hk88 will investigate every complaint submitted in good faith and will provide a written response within 14 working days. hk88's decisions on disputes relating to game outcomes, identity verification, and bonus compliance are final, subject to any legal rights you may have.