Terms & Conditions 99kopitiam –
Clear, Transparent and Easy to Understand

In this Terms & Conditions document, the following terms and expressions carry the meanings defined below unless the context requires otherwise:

• "99kopitiam" or "Platform" refers to the official website at https://99kopitiam.click, the official mobile application, and all services provided by the entity operating this platform.
• "Member" or "User" refers to any individual who has registered a valid account at 99kopitiam and has accepted these terms.
• "Account" refers to the individual account registered by a Member on the 99kopitiam platform using a verified Malaysian phone number.
• "Credits" or "Balance" refers to the total funds held in a Member's account at 99kopitiam, comprising actual deposit funds and/or bonus credits.
• "Bonus" refers to any bonus credits, free credits, free tickets, or other benefits granted by 99kopitiam to Members through various promotions and programmes.
• "Rollover" or "Wagering Requirements" refers to the minimum wagering amount a Member must fulfil before bonus credits become eligible for withdrawal.
• "MYR" / "RM" refers to the Malaysian Ringgit (MYR), the sole currency accepted for all transactions on 99kopitiam.

Use of the 99kopitiam platform is restricted to individuals who meet all of the following eligibility criteria simultaneously:

• Must be at least 21 years of age at the time of registration and throughout the entire period of platform use.
• Malaysian citizens or residents with a valid and active Malaysian phone number.
• Not falling within any category of individuals prohibited from using the platform under laws or regulations applicable to them.
• Has never been subject to an active self-exclusion programme at 99kopitiam or any affiliated platform.
• Has full legal capacity to enter into binding agreements.

99kopitiam reserves the right to request age and identity verification at any time. Failure to provide satisfactory proof within the specified timeframe may result in account suspension until verification is complete.

Each individual is permitted to hold only one active account at 99kopitiam. Registering multiple accounts — regardless of the information used — is strictly prohibited and constitutes a serious breach of these terms.

• All information provided during registration must be truthful, accurate, and current. False or misleading information may result in account termination and the forfeiture of all pending withdrawable winnings.
• The Malaysian phone number used for registration must belong to you and not to any other person.
• You are responsible for keeping your account password confidential. 99kopitiam will not be liable for any losses arising from a shared or stolen password due to the Member's own negligence.
• A 99kopitiam account is personal and may not be transferred, sold, or shared with any other party under any circumstances.
• If you suspect your account has been accessed without authorisation, contact the 99kopitiam support team immediately via 24/7 live chat or email at support@99kopitiam.click.

All financial transactions on the 99kopitiam platform are conducted in Malaysian Ringgit (MYR). Accepted deposit and withdrawal methods are as follows:

• eWallet: Touch 'n Go eWallet, GrabPay, Boost, ShopeePay – deposits are processed instantly within seconds.
• Instant Transfer: DuitNow QR and DuitNow Transfer – funds typically arrive in under 30 seconds.
• Internet Banking (FPX): Maybank2u, CIMB Clicks, Hong Leong Connect, RHB Now, and other FPX-supported Malaysian banks – processed in under 1 minute.

The deposit and withdrawal terms and limits at 99kopitiam are as follows:

• The minimum deposit is RM 20 for most payment methods. The maximum daily deposit limit varies depending on your account level and chosen payment method.
• The minimum withdrawal amount is RM 50 to a Malaysian bank account or eWallet registered in the same name as the 99kopitiam account.
• Withdrawals may only be made to a bank account or eWallet registered in the Member's own name. Withdrawals to third-party accounts are not permitted under any circumstances.
• All withdrawals will be processed within 1 to 4 hours on business days, subject to standard security checks.
• Winnings derived from bonus credits may be withdrawn once the relevant rollover requirements have been fully met, subject to any withdrawal limits stated in the applicable bonus terms.
• If any technical issue or fraudulent activity is detected during processing, 99kopitiam reserves the right to place the withdrawal on hold until the investigation is concluded.

99kopitiam offers a variety of bonuses and promotions for both new and existing members. All bonuses are subject to the specific terms stated in each offer. The general terms applicable to all bonuses at 99kopitiam are as follows:

• Every bonus carries a rollover (wagering) requirement that must be fulfilled before bonus credits or bonus-derived winnings can be withdrawn.
• Every bonus has a set validity period. Bonuses that are unclaimed or unused within the validity period will expire automatically without compensation.
• The 99kopitiam Welcome Bonus is available to new accounts only and cannot be claimed by anyone who has previously registered. One bonus per account, one account per individual.
• 99kopitiam reserves the right to modify, suspend, or withdraw any bonus at any time without prior notice, subject to the interests of Members who are currently in the midst of completing a rollover.
• Bonus abuse – including registering multiple accounts, using risk-free betting techniques across two accounts, or any form of bonus fraud – will result in the cancellation of all related bonuses and winnings, and may lead to permanent account closure.
• Bonus credits cannot be transferred between accounts or converted directly into cash.

All games available on 99kopitiam – including slots, baccarat, blackjack, lottery, Sports Betting, and e-sports – are operated in accordance with recognised industry-standard rules. The following applies to all gaming activity on this platform:

• All RNG (Random Number Generator) games use independently audited random algorithms. Each game outcome is entirely independent and cannot be predicted or manipulated by any party, including 99kopitiam itself.
• In the event of a technical disruption during an active game, 99kopitiam will make a fair determination based on the recorded game data. This decision is final.
• Confirmed bets may not be cancelled except where a verified technical disruption occurred before the game commenced.
• For Sports Betting and e-sports wagers, the outcome declared by the official governing body will be used to settle bets, even if a subsequent appeal or review results in a different decision.
• The RTP (Return to Player) values displayed are long-term estimates based on millions of rounds or hands and do not guarantee any specific return for any individual gaming session.
• 99kopitiam reserves the right to remove or suspend any game from the platform at any time for maintenance, updates, or other technical reasons.

As a 99kopitiam Member, you agree to observe the following code of conduct in all your interactions with the platform and with other Members:

• Do not attempt to defraud, manipulate, or exploit the platform's game systems, bonus systems, or payment processes in any way.
• Not to use any unauthorised automated software, bots, scripts, or third-party tools to interact with the 99kopitiam platform.
• Do not distribute or attempt to obtain another Member's login credentials, or access another person's account without authorisation.
• Not to use offensive, threatening, harassing, or discriminatory language or behaviour in any communication channel, including live chat and community forums.
• Not using the 99kopitiam platform for any unlawful activity, including money laundering or financial fraud in any form.
• Notify 99kopitiam immediately if you suspect your account has been accessed without authorisation or if you become aware of any security vulnerabilities in the platform.

Any violation of the conduct rules above may result in a warning, temporary suspension, or permanent account closure at the sole discretion of 99kopitiam.

99kopitiam reserves the right to suspend or close a Member's account for the following reasons, subject to appropriate investigation:

• Providing false or misleading information during registration or identity verification.
• Confirmation that the Member does not meet the minimum age requirement of 21 years.
• Registering or simultaneously using more than one account.
• Detection of attempted bonus abuse, money laundering, or other unlawful activity.
• The use of unauthorised software or methods to manipulate games.
• Repeated violations of the Member code of conduct as outlined in Section 7.
• Account closure requested by the Member, whether permanently or as a self-exclusion measure.

99kopitiam takes the protection of your personal data very seriously. All collection, processing, and storage of Members' personal data is carried out in accordance with our privacy policy, which can be found on the Privacy Policy.

• All personal data you provide to 99kopitiam is stored with 256-bit SSL encryption and is not shared with third parties for marketing purposes without your consent.
• 99kopitiam may share necessary information with payment service providers to process your transactions – this is a standard operational requirement and does not conflict with our privacy commitments.
• You have the right to request access to, correction of, or deletion of your personal data by contacting support@99kopitiam.click.
• Gaming activity data is retained for as long as required by operational and regulatory compliance needs. This data is not used to make decisions that are detrimental to Members.

To the extent permitted by applicable Malaysian law, 99kopitiam's liability is limited as follows:

• 99kopitiam will not be liable for any losses arising from service disruptions beyond the platform's control, including Internet outages, power failures, natural disasters, or actions by authorities.
• 99kopitiam does not guarantee that the platform will always be error-free or available without interruption, although we make every effort to maintain high availability.
• Members use the platform at their own risk with regard to game outcomes. 99kopitiam is not liable for any financial losses incurred by a Member as a result of fair and legitimate gaming activity on the platform.
• In cases where 99kopitiam is found liable for a loss, our maximum liability shall be equivalent to the actual deposit amount (excluding bonuses) held in the Member's account at the time of the incident.

99kopitiam is committed to responsible gaming and provides a range of tools to help Members manage their playing activity. For full details, please visit our Responsible Gaming us.

• Members may set daily, weekly, or monthly deposit limits in their account settings. These limits take effect immediately and can only be decreased immediately or increased after a 24-hour waiting period.
• Members may activate a cool-off period ranging from 24 hours to 30 days, or a longer self-exclusion period from 3 months to permanent, through their account settings or by contacting customer support.
• While a self-exclusion is active, 99kopitiam will not send any marketing communications to the Member concerned.
• If you feel that your gaming activity is becoming a problem, we strongly encourage you to reach out to our team for assistance and information on available support resources.

99kopitiam reserves the right to update, modify, or replace any part of these Terms & Conditions at any time. When significant changes are made, we will:

• Updating the "Last updated" date displayed at the top of this page.
• Notifying active Members via the platform's in-app notification system or registered email address at least 7 days before any significant changes take effect.
• Displays a summary of key changes to help Members understand what has been updated without having to re-read the entire document.

Continued use of the 99kopitiam platform after any updates to the Terms & Conditions take effect will be considered full acceptance of the revised terms. If you do not agree with the changes made, you have the right to close your account and withdraw your actual deposit balance before the changes come into effect.

For any enquiries, complaints, or feedback regarding these Terms & Conditions or the use of the 99kopitiam platform in general, please reach out to our team through the following channels:

• Live Chat: Available 24/7 directly within the 99kopitiam platform – response time under 5 minutes.
• Email: support@99kopitiam.click – for enquiries that require detailed written clarification.
• WhatsApp: The number can be found under the "Contact Us" section in your account after logging in.

All communications with the 99kopitiam team are handled in Malay. Our team operates 24 hours a day, 7 days a week, including all Malaysian public holidays.