Terms & Conditions — 98tot

In these Terms & Conditions, the following definitions apply unless context requires otherwise:

• "98tot", "the Platform", "we", "us", or "our" refers to the operator of the website accessible at https://98tot.net and all associated subdomains and mobile interfaces.
• "Player", "Member", "you", or "your" refers to any natural person who registers, accesses, or uses the 98tot platform in any capacity.
• "Account" means a registered member account on the 98tot platform associated with a single verified identity.
• "Balance" means the total of real-money funds held in a player's account at any given time, excluding any uncleared bonus funds subject to wagering requirements.
• "Bonus Funds" means any promotional credits, free bet credits, free spins value, or other non-cash incentives credited to a player's account as part of a promotional offer.
• "Wagering Requirement" means the multiplier applied to bonus funds that determines the total amount a player must wager before bonus-derived winnings may be withdrawn.
• "KYC" (Know Your Customer) means the identity verification process by which 98tot confirms a player's identity, age, and payment method ownership before processing withdrawals or investigating account-level issues.
• "Prohibited Territory" means any jurisdiction in which access to or use of online gambling services is restricted or prohibited by applicable law.
• "Services" means all products offered on the 98tot platform, including but not limited to sports betting, live casino, togel (Indonesia's traditional numbers lottery), slots, Sakong card games, and any other betting or gaming product made available from time to time.
• "IDR" / "Rp" means Indonesian Rupiah, the sole currency in which 98tot accounts are denominated.

Access to and use of the 98tot platform is subject to the following eligibility requirements, each of which must be satisfied on a continuous basis throughout your membership:

• Age: You must be at least 21 years of age. 98tot strictly enforces this minimum age requirement. Any player found to be under 21 years of age will have their account suspended immediately, all pending transactions cancelled, and any remaining balance handled in accordance with applicable regulatory guidance.
• Residency: You must be a resident of Indonesia or otherwise accessing the platform from a jurisdiction in which online gambling is not prohibited. It is your responsibility to ensure that your use of the platform complies with all laws applicable in your location at the time of use.
• Legal Capacity: You must have full legal capacity to enter into a binding agreement. You confirm that you are not under any legal disability, court order, or similar restriction that would prevent you from forming a contract.
• One Account Per Person: Each individual may hold only one active 98tot account. Opening duplicate or multiple accounts — whether under the same or different personal details — is a material breach of these Terms and will result in immediate suspension of all associated accounts and forfeiture of any balances derived from promotional activity.
• Self-Exclusion: You confirm that you are not subject to any current self-exclusion order, cooling-off period, or account suspension imposed by 98tot or any other gaming operator. Registering while under self-exclusion is a breach of these Terms.

To access the Services, you must complete the 98tot registration process by providing accurate, complete, and current personal information. The information you supply at registration forms the basis of your account record and is used for identity verification, payment processing, and responsible gaming monitoring.

You are required to provide, at a minimum:

• Your full legal name as it appears on your government-issued identification document.
• Your date of birth (confirming you are 21 years of age or older).
• A valid email address to which you have sole access.
• A mobile phone number registered in your name and accessible to you for OTP (one-time password) verification.
• Your residential address within Indonesia.
• Your preferred local payment method details (bank account or e-wallet registered in your own name).

You warrant that all information provided is truthful and accurate. Providing false, misleading, or third-party information at registration constitutes fraud and will result in immediate account closure, forfeiture of all balances, and may be reported to relevant authorities.

You are responsible for maintaining the confidentiality of your username and password. You must notify 98tot's customer support team immediately if you suspect unauthorised access to your account. 98tot will not be liable for any loss resulting from your failure to maintain account security.

98tot is committed to operating a secure and responsible platform. As part of this commitment, all members are required to complete identity verification (KYC) before their first withdrawal is processed, and may be asked to re-verify at any time at 98tot's sole discretion.

KYC verification typically requires the following documents:

• Proof of Identity: A clear copy of a valid government-issued photo ID — Indonesian National ID Card (KTP), passport, or driving licence (SIM).
• Proof of Age: Confirmation that you are 21 years of age or older, evidenced by the date of birth on your submitted ID document.
• Proof of Payment Method: Evidence that the bank account or e-wallet used for deposits is registered in your name — for example, a bank statement header, OVO/DANA/GoPay account screenshot, or BCA/BRI/BNI/Mandiri account confirmation page showing your name and account number.
• Proof of Address: Where required, a utility bill, bank statement, or similar document issued within the past three months and showing your current residential address in Indonesia.

Withdrawals will be placed on hold until KYC is satisfactorily completed. 98tot aims to complete KYC reviews within one to three business days of receiving all required documentation. Incomplete or illegible submissions will delay the process and you will be notified to resubmit.

All KYC documents are handled in accordance with our Privacy Policy and are stored securely with access restricted to authorised compliance personnel only.

Currency: All 98tot accounts are denominated in Indonesian Rupiah (IDR / Rp). No currency conversion is applied by 98tot. Deposits and withdrawals are processed exclusively in IDR via Indonesian local payment infrastructure.

Accepted Payment Methods: 98tot currently accepts deposits and processes withdrawals via the following local methods: BCA, BRI, BNI, Mandiri, CIMB Niaga (bank transfer); OVO, DANA, GoPay, ShopeePay, and LinkAja (e-wallet). Payment method availability may change; the current list is always displayed on the deposit and withdrawal pages within your account.

Deposit Terms:

• Minimum deposit: Rp 25.000 per transaction.
• Deposits are credited to your account balance upon confirmed receipt by 98tot's payment processor. Bank transfers are typically confirmed within 5–15 minutes during business hours. E-wallet transfers are typically instant.
• You may only deposit using a payment method registered in your own name. Third-party deposits are strictly prohibited and will be returned where possible.
• 98tot does not charge a fee for standard deposits; however, your bank or e-wallet provider may apply transfer fees independently.

Withdrawal Terms:

• Minimum withdrawal: Rp 50.000 per transaction.
• Withdrawals are processed to the same payment method used for the most recent qualifying deposit, subject to KYC completion.
• Standard withdrawal processing time is 15 minutes to 3 hours once approved by 98tot's finance team. Withdrawals requested during peak periods or outside of banking hours for bank transfer methods may take longer.
• 98tot reserves the right to carry out additional security checks before processing any withdrawal request, particularly for first withdrawals, large amounts, or where account activity appears unusual.
• Withdrawals of Bonus Funds are subject to applicable wagering requirements being met in full prior to processing.

98tot offers a range of promotions including welcome bonuses, reload bonuses, cashback, free bets, and seasonal campaigns tied to events such as Idul Fitri, Ramadhan, and Indonesian Independence Day (17 August). All promotions are governed by these Terms together with any specific terms published alongside the relevant offer.

General Bonus Conditions:

• Bonuses are available to eligible members only. Where a bonus is restricted to new members or to specific account tiers, this will be stated in the promotion's specific terms.
• All bonuses carry a wagering requirement that must be completed in full before any bonus-derived winnings may be converted to withdrawable balance. The applicable wagering requirement is stated clearly in each promotion's terms.
• Wagering requirements must be met within the validity window stated in the specific promotion terms. Bonus funds and associated winnings will be removed from the account on expiry if requirements remain incomplete.
• Minimum odds / minimum bet conditions may apply to free bet offers. These will be specified per promotion.
• Only one bonus may be active at a time unless specific promotion terms state otherwise.

Bonus Abuse: 98tot monitors accounts for patterns consistent with bonus abuse, including but not limited to: low-risk wagering designed to satisfy requirements without genuine risk exposure, coordinated multi-account wagering, and systematic exploitation of pricing errors or promotional loopholes. Where bonus abuse is identified, 98tot reserves the right to void any bonus and associated winnings, recover any bonus funds already withdrawn, and permanently close the relevant accounts.

All bets and wagers placed on the 98tot platform are subject to the specific rules applicable to the product category in question. These product-level rules are published within each product section and form part of these Terms by reference.

• Sportsbook: Bets are accepted at the odds displayed at the time the bet is confirmed. 98tot reserves the right to void bets placed at clearly erroneous odds. Settlement is based on the official result of the relevant competition at the time designated as final by the governing body. In-play bets may be subject to delay acceptance; bets placed after the relevant outcome has been determined will be voided.
• Togel: Togel draw results are final as announced by the draw operator and verified by 98tot. Winning payouts are calculated per the published prize table at the time of ticket purchase.
• Live Casino: Game outcomes in Evolution Gaming and Pragmatic Play Live tables are governed by the respective studio's published game rules. In the event of a technical malfunction during a live dealer session, affected rounds will be resolved per the studio's published malfunction policy, which 98tot applies without modification.
• Slots: All slot games on the 98tot platform use certified random number generators (RNGs). Return-to-player (RTP) percentages are as published by the relevant game studio. Progressive jackpot contributions and seeding rules are set by the game provider.
• Sakong: Card games are governed by the published Sakong rules displayed within the game lobby. Decisions by the dealer or game system are final.

98tot reserves the right to suspend, delay, or cancel any market, game, or draw in the event of force majeure, technical failure, or regulatory instruction. In such cases, affected bets will be voided and stakes returned to the player's account balance.

The following activities are strictly prohibited on the 98tot platform. Engaging in any prohibited conduct constitutes a material breach of these Terms and may result in immediate account suspension, forfeiture of balances, and referral to law enforcement where applicable:

• Opening or operating more than one account per individual (multi-accounting).
• Providing false, inaccurate, or third-party personal information during registration or KYC.
• Using automated bots, scripts, or software to interact with the platform, manipulate game outcomes, or gain an unfair wagering advantage.
• Colluding with other players or platform operators to manipulate game or betting outcomes.
• Exploiting technical errors, pricing mistakes, or system vulnerabilities for financial gain.
• Using the platform to launder money or conduct any other financially prohibited activity.
• Accessing the platform from a Prohibited Territory where online gambling is unlawful.
• Allowing any third party to use your 98tot account, including sharing login credentials.
• Engaging in or facilitating match-fixing, result manipulation, or any form of sporting integrity violation.
• Harassing, threatening, or abusing 98tot staff or other players through any communication channel.

98tot is committed to fostering a safe and responsible gambling environment. The platform provides the following self-management tools, accessible at any time from within your account settings:

• Deposit Limits: Set daily, weekly, or monthly caps on the amount you deposit into your account.
• Session Time Reminders: Configure alerts that notify you when you have been active on the platform for a specified duration.
• Cooling-Off Period: Temporarily suspend your account for a defined period (24 hours to 6 weeks) during which login is disabled.
• Self-Exclusion: Request a permanent or long-term self-exclusion that disables your account and removes you from all marketing communications. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period.

If you believe your gambling is causing harm to yourself or others, please contact our 24/7 support team immediately. Our agents are trained to assist and can activate responsible gaming tools on your behalf. For more details, visit our Responsible Gaming page.

All content on the 98tot platform — including but not limited to the 98tot brand name, logo, website design, graphics, user interface layouts, written content, promotional material, and software — is the exclusive property of 98tot or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the platform solely for personal, non-commercial entertainment purposes in accordance with these Terms. This licence does not include any right to:

• Reproduce, distribute, display, or transmit any platform content.
• Reverse-engineer, decompile, or otherwise attempt to extract source code from any platform software.
• Use the 98tot brand, logo, or trademarks in any manner without prior written consent.
• Frame or mirror any portion of the platform on any other website or digital property.

Third-party game content (including games from Evolution Gaming, Pragmatic Play, NetEnt, Microgaming, Spribe, and Pocket Games Soft) is licensed to 98tot by those providers and remains the intellectual property of the respective studio. Game-specific rules and RTP information are those published by the originating studio.

98tot collects and processes personal data as described in our Privacy Policy, which forms part of these Terms by reference. By registering an account, you consent to the collection, processing, and use of your personal data in accordance with that policy.

Key data-handling principles applied by 98tot include:

• Personal data is collected only to the extent necessary to deliver the Services, comply with legal obligations, and operate our responsible gaming programme.
• Data is not sold to third parties for marketing purposes.
• KYC documents are stored securely and accessible only to authorised compliance personnel.
• You have the right to request access to, correction of, and in certain circumstances deletion of your personal data by contacting our support team.

To the fullest extent permitted by applicable law, 98tot's aggregate liability to any player in connection with these Terms or the Services shall not exceed the total amount held in that player's account balance at the time the relevant claim arises.

98tot is not liable for any:

• Loss of profits, revenue, business opportunity, goodwill, or data arising from your use of or inability to use the Services.
• Indirect, consequential, special, or punitive damages of any nature, even if 98tot has been advised of the possibility of such damages.
• Interruptions or failures of the platform caused by circumstances outside 98tot's reasonable control, including internet outages, third-party infrastructure failure, force majeure events, or actions of government authorities.
• Losses resulting from your failure to maintain account security or your breach of these Terms.
• Errors or delays in game settlement attributable to a third-party game provider or sports data supplier.

Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, or any other liability that cannot be excluded by law.

Termination by the Player: You may close your 98tot account at any time by contacting our support team. Before closure is confirmed, any outstanding wagering requirements must be resolved and any pending withdrawal transactions completed. Real-money balances (net of any bonus funds subject to incomplete wagering requirements) will be returned to your verified payment method.

Termination by 98tot: 98tot reserves the right to suspend or permanently close any account, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Fraudulent, deceptive, or abusive behaviour.
• Failure to complete KYC verification within a reasonable timeframe.
• Account inactivity exceeding 12 consecutive months (dormant account policy — written notice will be provided before any balance adjustment).
• Instruction from a regulatory or law-enforcement authority.
• Reasonable suspicion of money laundering, terrorist financing, or other financial crime.

Upon termination for cause, 98tot reserves the right to withhold any balance pending investigation. Where no wrongdoing is established following investigation, verified real-money balances will be returned to the player's last verified payment method.

98tot reserves the right to amend these Terms & Conditions at any time. When material changes are made, we will notify registered members by email to their account address and/or by displaying a prominent notice on the platform for a minimum of 14 days before the amended terms take effect.

Your continued use of the 98tot platform after the effective date of any amended Terms constitutes your acceptance of those changes. If you do not agree to the amended Terms, you must cease using the platform and may request account closure in accordance with Section 13 above.

The version of these Terms & Conditions currently in force is always accessible at https://98tot.net/terms-conditions. The "Last Updated" date at the top of this page reflects the date of the most recent revision.

98tot operates as an internationally licensed online gaming platform. These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which 98tot holds its operating licence. Any dispute arising out of or in connection with these Terms that cannot be resolved through good-faith negotiation between the parties shall be referred to binding arbitration in accordance with the rules of the relevant licensing jurisdiction.

Nothing in this clause limits 98tot's right to seek injunctive or other equitable relief in any jurisdiction where necessary to protect its legitimate interests, including the prevention of fraud or intellectual property infringement.

Players are responsible for ensuring their use of the 98tot platform complies with all laws applicable in their own jurisdiction. 98tot does not represent that the Services are legal in all locations from which they may be accessed.

If you have any questions, concerns, or complaints regarding these Terms & Conditions, or any other aspect of the 98tot platform, please contact our support team through one of the following channels:

• Live Chat: Available 24/7 via the chat icon within your logged-in account dashboard. Response target: under 2 minutes.
• Email Support: [email protected] (plain text — not a clickable link). Response target: within 4 hours during business hours (WIB, UTC+7).

Our customer support team includes native Indonesian-speaking agents available at all hours. Please include your registered username and a clear description of your query or concern when contacting us to help us resolve your issue as efficiently as possible.

For responsible gaming assistance, including activation of self-exclusion or deposit limits, please contact support directly and your request will be escalated to our responsible gaming team immediately.