Terms and Conditions Lobi89 – Complete Platform Usage Guide

1 Acceptance of Terms and Conditions

These Terms and Conditions ("Agreement") constitute a legally binding contract between you ("Member" or "User") and Lobi89 ("Platform", "We"). By accessing, registering for, or using any part of the Lobi89 platform, you confirm that you have read, understood, and agreed to be bound by all terms contained in this document.

Acceptance of these terms takes effect immediately when you:

• Registering a new account at lobi89
• Log in to your existing account
• Making any deposit or financial transaction
• Participating in any game or activity on the platform
• Accessing the lobi89 website or mobile app

These terms should be read together with the Lobi89 Privacy Policy and any additional guidelines or rules published by the platform from time to time. In the event of any conflict between these terms, the more specific document shall take precedence.

2 Member Eligibility

To register and use the Lobi89 platform, you must meet all of the following eligibility requirements:

• Age: You must be at least 18 years of age. Lobi89 strictly enforces this age requirement and reserves the right to request age verification documents at any time.
• Legal Capacity: You must have full legal capacity to enter into a binding agreement under the laws applicable to you.
• One Account: Each individual is only permitted to hold one active account at Lobi89. Owning multiple accounts is a serious violation of these terms.
• Non-Employees: Employees, contractors, agents, and immediate family members of lobi89 staff are not permitted to register as members.
• Accurate Information: All information provided during registration and while using the platform must be accurate, complete, and up to date.

3 Account Registration and Identity Verification (KYC)

The lobi89 account registration process is designed to ensure the security and authenticity of every member. When registering, you are required to provide accurate and complete information, including your full name, date of birth, active email address, and a valid Malaysian mobile number.

Lobi89 conducts a Know Your Customer (KYC) process as an industry-standard requirement. As part of this process, you may be asked to submit the following documents:

• A copy of your identity card (MyKad) or valid passport
• Proof of current address (utility bill or bank statement dated within the last 3 months)
• Proof of ownership of the payment method used
• A selfie holding your identification document (if required)

KYC verification is typically completed within 24 to 48 business hours. Until verification is complete, deposit and withdrawal limits may apply to new accounts. lobi89 reserves the right to hold withdrawal processing until KYC has been successfully completed.

You are fully responsible for keeping your account password secure and not sharing it with anyone. Lobi89 will not be held liable for any losses resulting from unauthorized access to your account due to negligence in protecting your login credentials.

4 Deposits and Payment Methods

Lobi89 supports a variety of safe and convenient deposit methods for Malaysian players, including FPX, DuitNow, bank transfer, Touch 'n Go eWallet, GrabPay, and cryptocurrencies such as USDT and Bitcoin. All transactions are processed through integrated payment channels with industry-standard encryption.

The deposit-related terms are as follows:

• The minimum deposit is MYR 30 for most payment methods
• All deposits must be made from an account or wallet registered in the same member's name
• Lobi89 does not accept deposits from third parties, including family members or friends.
• Successful deposits are typically credited to your account within 1 to 10 minutes
• If a deposit is not credited within 30 minutes, please contact our support team with proof of transaction

Lobi89 reserves the right to decline or return any deposit that raises suspicion of fraud, money laundering, or activity that violates these terms. In such cases, we will notify the member and provide an appropriate explanation.

5 Withdrawals and Their Conditions

Withdrawals at lobi89 are processed quickly and efficiently. Most withdrawal requests are completed within 5 to 30 minutes upon approval. Withdrawal limits and conditions are as follows:

• Minimum withdrawal: MYR 50 per transaction
• Withdrawals may only be made to a bank account or digital wallet registered in the same member's name
• All active deposits must meet a rollover requirement of at least 1x before a withdrawal is permitted
• Accounts that have not completed the KYC process may face withdrawal limits or delays
• Lobi89 reserves the right to request additional documents for withdrawals exceeding a certain amount

If your withdrawal is delayed or rejected, our finance team will contact you via email or live chat to advise the reason and next steps. lobi89 is committed to ensuring every cent of your wins reaches you safely and on time.

6 Bonuses, Promotions and Wagering Requirements

Lobi89 offers a wide range of exciting bonuses and promotions for both new and existing members. Each bonus is subject to specific wagering (rollover) requirements that are clearly stated in the relevant promotion's terms.

General principles applicable to all lobi89 bonuses:

1. Each bonus has a validity period that must be met before it expires
2. Rollover requirements must be fully met before bonus funds can be withdrawn
3. Some bonuses are only valid for specific games or game categories
4. Stacking multiple bonuses in a single session may be restricted depending on the promotion's terms
5. Lobi89 reserves the right to void bonuses obtained through unauthorized means or in breach of these terms
6. Members may only claim one welcome bonus for the lifetime of their account

Lobi89 reserves the right to modify, suspend, or terminate any promotion at any time by notifying affected members. Any bonus-related disputes will be resolved based on Lobi89's system records, which are deemed final.

7 Game Rules and Fairness

All games offered on the Lobi89 platform are powered by Random Number Generator (RNG) technology certified by international independent testing bodies. This ensures every game outcome is truly random and cannot be predicted or manipulated by any party, including Lobi89 itself.

General game rules at lobi89:

• Game results recorded in the Lobi89 system are final and cannot be disputed on technical grounds on the player's part
• In the event of a technical disruption during an active game session, lobi89 will resolve the issue based on available system records
• Players are not permitted to use any assistance software, automated bots, or third-party tools to influence game outcomes
• Any form of collusion between players, especially in games involving multiple participants, is strictly prohibited
• Lobi89 reserves the right to void bets or spins that occurred during a confirmed technical disruption

For Live Casino games, additional rules may apply depending on the game provider. Players are advised to familiarise themselves with the specific rules of each game before playing with real money.

8 Prohibited Member Conduct

Lobi89 is committed to maintaining a safe, fair, and enjoyable gaming environment for all members. The following behaviors are strictly prohibited and may result in immediate account closure:

• Registering multiple accounts using the same or different information
• Providing false or misleading information during registration or the KYC process
• Attempting to abuse bonuses through arbitrage or hedging techniques
• Using bots, automation software, or other technical methods to gain an unfair advantage
• Using the lobi89 platform for any money laundering activities
• Threatening, insulting, or harassing other members or lobi89 staff
• Spreading false information or damaging the reputation of lobi89
• Attempting to access another person's account without authorization

Lobi89 employs a sophisticated fraud detection system that continuously monitors all account activity. Any suspicious behavior will be investigated and appropriate action will be taken.

9 Account Closure and Suspension

Lobi89 reserves the right to suspend or close any member account at any time for the following reasons:

• Violation of any part of these terms and conditions
• Confirmed fraudulent activity or identity misuse
• Fraudulent activity, money laundering, or any other illegal activity
• Voluntary account closure request by the member
• Self-exclusion through the responsible gaming program
• Failure to meet KYC requirements within the stipulated timeframe

If an account is closed for reasons other than a violation, any available balance (subject to rollover conditions) will be returned to the member via the original payment method within 5 to 10 business days. For closures due to serious violations, lobi89 reserves the right to forfeit the balance in that account.

Members who wish to voluntarily close their account may do so at any time by contacting the Lobi89 customer support team via live chat.

10 Liability Limits and Disclaimers

To the extent permitted by applicable law, Lobi89 shall not be liable for:

• Any financial losses incurred during normal gaming activity
• Service disruptions caused by factors beyond Lobi89's control, such as internet connectivity issues or power outages
• Actions or omissions of third parties, including game providers or payment service providers
• Indirect, consequential, or punitive losses regardless of the cause
• Unauthorized access to your account resulting from your own negligence in safeguarding your login credentials

The lobi89 platform is provided "as is" without any guarantee that it will be entirely free of technical errors at all times. However, lobi89 is committed to resolving any technical issues promptly and minimising disruption to the player experience.

11 Privacy, Data Protection, and Confidentiality

Lobi89 takes member privacy very seriously. All personal data collected during registration and use of the platform is processed in accordance with Lobi89's detailed Privacy Policy, which forms part of this agreement.

Lobi89 collects and processes personal data for the following purposes:

• Verifying member identity and fulfilling KYC requirements
• Processing financial transactions securely
• Providing effective customer support services
• Detecting and preventing fraud and illegal activities
• Complying with applicable legal and regulatory requirements
• Sending account-related communications and relevant promotions

Lobi89 will not sell, rent, or share members' personal data with third parties for marketing purposes without explicit consent from the member concerned. Data is only shared with parties who need to know, such as payment service providers, to process your transactions.

For complete information on how we handle your personal data, please refer to Privacy Policy us.

12 Amendment of Terms, Applicable Law, and Dispute Resolution

Lobi89 reserves the right to amend, update, or replace any part of these terms and conditions at any time. Significant changes will be communicated to members at least 7 days before taking effect via registered email or in-platform notification.

Continued use of the lobi89 platform after the effective date of any term changes constitutes acceptance of the amended terms. It is the member's responsibility to review these terms and conditions periodically to stay informed of the latest updates.

In the event of any dispute between a member and lobi89, we encourage amicable resolution through our customer support channels first. Most issues can be resolved within 24 to 48 hours through this process.

These terms are governed by and interpreted in accordance with the laws applicable in the jurisdiction where Lobi89 operates. Any dispute that cannot be resolved internally will be referred to a recognised alternative dispute resolution (ADR) body before any formal legal proceedings are initiated.