Terms and Conditions 99kopitiam —
Complete Guide for All Users

By accessing, registering, or using any part of the 99kopitiam platform — including the website, mobile app, and any services provided — you are deemed to have read, understood, and agreed to be bound by all terms and conditions set out in this document.

If you do not agree with any part of these terms, you are not permitted to use the 99kopitiam platform. Continued use of the platform following any amendment to the terms constitutes your acceptance of the updated terms.

These terms and conditions form a legally binding agreement between you as the user and 99kopitiam as the platform operator. You are responsible for ensuring that your use of this platform complies with the laws applicable in your region.

To use the 99kopitiam platform, you must meet all of the following eligibility requirements:

• Be at least 18 years old on the date of registration
• Having full legal capacity to enter into a binding contract
• Not listed on any gaming exclusion register maintained by a regulatory authority
• Register under your own name — registration on behalf of another person is prohibited
• Not using a VPN, proxy, or any other method to conceal your actual location in order to bypass regional restrictions
• Using personally owned funds obtained through lawful means for all transactions on the platform

99kopitiam reserves the right to verify a user's age and identity at any time. If a user is found to be ineligible, the account will be suspended immediately and any remaining funds will be returned upon completion of the investigation.

Each user is only permitted to hold one (1) active account only on the 99kopitiam platform. Registering multiple accounts — whether using the same or different details — is a violation of our terms and will result in all related accounts being suspended without warning.

During registration, you are required to provide accurate, complete, and up-to-date information. The details you must supply include:

• Full name as shown on your identity card or passport
• An active and reachable mobile phone number
• A valid and accessible email address
• A strong and unique password

You are solely responsible for the security of your account login credentials. 99kopitiam will not be held liable for any losses resulting from your failure to keep your account information confidential. If you suspect your account has been accessed without authorisation, contact our support team immediately via live chat.

An Identity Verification (KYC) process will be required before your first withdrawal. Documents that may be requested include a copy of your identity card (MyKad), bank statement, or recent proof of address. The KYC process is typically completed within one to three business days.

99kopitiam supports a wide range of payment methods commonly used in Malaysia, including FPX, DuitNow QR, Touch 'n Go eWallet, GrabPay, Boost, and direct bank transfer. All deposit transactions are processed using 256-bit SSL encryption to ensure the security of your financial data.

Deposit requirements to be observed:

• The minimum deposit amount is RM 10 for most payment methods
• Deposits may only be made through a bank account or digital wallet registered in your own name
• Deposits from third parties or using another person's credit/debit card are strictly prohibited
• Deposited funds will not earn interest and cannot be transferred to another user
• Any deposit suspected of originating from illegal activity will be frozen pending the completion of an investigation

Withdrawals from your 99kopitiam account are subject to the following conditions, which must be fully met before a withdrawal request can be processed:

• The account must have successfully completed the KYC verification process
• Minimum withdrawal is RM 50 for most methods
• Withdrawals can only be made to a bank account or digital wallet registered in your own name
• Any active bonus wagering requirements must be fully completed before a withdrawal is permitted.
• Withdrawal requests are processed within 5 to 15 minutes for digital methods

99kopitiam reserves the right to request additional documents before approving large withdrawals as part of its anti-money laundering (AML) compliance procedures. Delays in submitting the requested documents will slow down the processing of your withdrawal.

99kopitiam offers a variety of bonuses and promotions from time to time as added value for our loyal users. All bonus offers are subject to wagering requirements and specific time limits clearly stated in the details of each promotion.

General terms applicable to all bonuses:

• Bonuses may only be claimed by eligible users as defined by the criteria set out in each promotion
• Each bonus may only be claimed once unless otherwise stated.
• Wagering requirements must be completed within the specified time frame, or the bonus will expire and be forfeited.
• Bonuses cannot be transferred between accounts or directly converted to cash
• Winnings from free spins are subject to minimum wagering requirements before they can be withdrawn
• 99kopitiam reserves the right to cancel or modify any promotion without prior notice.

Any attempt to abuse the bonus system — including opening multiple accounts, using a VPN, or colluding with other users to artificially meet wagering requirements — will result in all bonuses being forfeited and related accounts suspended.

All games available on the 99kopitiam platform use a Random Number Generator (RNG) certified by independent international auditing bodies, ensuring every game outcome is random, fair, and free from manipulation.

Regarding game rules, users should be aware that:

• The outcome of each game is final and cannot be disputed unless there is verifiable evidence of a technical failure
• In the event of a technical disruption during gameplay, 99kopitiam will refund any affected bets in accordance with our established resolution policy.
• Winnings resulting from software errors or incorrect displays will not be paid out and will be voided
• The RTP (Return to Player) value for each game is available for users to view in the respective game information section

For Live Casino games, all decisions made by the dealer are final. Any disputes relating to live games will be resolved based on the video recording of the relevant session retained by the game provider.

Users are strictly prohibited from engaging in any of the following activities on the 99kopitiam platform:

• Registering more than one account or using another person's information to register
• Using automation software, bots, scripts, or any method to manipulate games
• Colluding with other users to manipulate game outcomes or abuse bonuses
• Using illegally obtained funds or engaging in money laundering
• Spreading false or misleading information about 99kopitiam
• Threatening, harassing, or causing distress to support staff or other users
• Attempting to access 99kopitiam systems or databases without authorisation
• Exploiting any bugs or technical vulnerabilities in the platform

99kopitiam reserves the right to suspend, restrict, or close any user account at any time with or without prior notice if any of the following are identified:

• Violation of any terms stated in this document
• Activity suspected of being fraud, money laundering, or other illegal activity
• Failure to submit the requested KYC verification documents within the stipulated timeframe
• Requests from relevant authorities
• False or inaccurate registration information

Users also have the right to close their own account at any time by contacting the 99kopitiam support team. Any valid remaining balance in the account will be returned to the user after the verification process is complete, unless the balance is the result of activities that violate the terms.

If your account has been suspended for reasons you believe are unjustified, you have the right to appeal by contacting our support team with relevant evidence for a review.

99kopitiam shall not be held liable for any loss or damage arising from:

• Service disruptions caused by scheduled maintenance or unforeseen technical failures
• Delays or failures caused by factors beyond our control, including third-party network failures
• Failure by the user to safeguard their account login credentials
• Valid game results are determined by a certified RNG mechanism
• Policy changes issued by the relevant authorities

The 99kopitiam platform is provided "as is" and we make no guarantee that the platform will always be error-free or operate without interruption. However, we are committed to maintaining the highest possible uptime and addressing any technical issues promptly.

The collection, use, and protection of your personal data is governed by the separate 99kopitiam Privacy Policy. By using our platform, you agree to the data collection and processing practices as described in that policy.

In summary, 99kopitiam collects your personal data for the following purposes:

• Verifying user identity and eligibility (KYC)
• Processing deposits, withdrawals, and financial transactions
• Providing effective customer support
• Meeting legal and regulatory compliance requirements
• Sending relevant promotional information (subject to your preferences)

Your data will not be sold to third parties for marketing purposes. For full details, please read Privacy Policy us.

99kopitiam takes its responsibility to promote healthy and responsible gaming seriously. We believe that gaming should remain a form of entertainment, not a source of income or a way to resolve financial problems.

Our platform provides the following self-control tools to help you manage your gaming habits:

• Deposit Limit — set daily, weekly, or monthly limits on your total deposit amount
• Loss Limit — limit the maximum amount you can lose within a given period
• Play Time Limit — control how long you play in a single session
• Account Break — temporarily suspend access to your account for anywhere between 24 hours and 30 days
• Self-Exclusion — permanently close your account if you feel you need to stop completely

For more information on responsible gaming and available support resources, please visit our Responsible Gaming us.

99kopitiam reserves the right to modify, add, or remove any part of these terms and conditions at any time without requiring prior consent from users.

For significant and material amendments, 99kopitiam will notify users via:

• In-platform notification upon your next login
• Email to the registered address (if the change directly affects user rights)
• Update the "Last Updated" date at the top of this document

Your continued use of the platform after the effective date of any amendment constitutes your acceptance of and agreement to the updated terms. We encourage you to review this page from time to time to ensure you are always aware of the latest terms.

If you have any questions, concerns, or complaints regarding these terms and conditions, the 99kopitiam team is ready to assist you. There are several ways to get in touch with us:

• Live Chat — available 24/7 within the platform, with an average response time of under 5 minutes
• Email — [email protected] (response time is typically within 24 business hours)
• FAQ — visit our FAQ page for answers to frequently asked questions

We are committed to addressing every enquiry seriously and providing a fair resolution within a reasonable timeframe. User satisfaction and safety are 99kopitiam's top priorities at all times.