gan98 Terms & Conditions

1 Definitions

For the purposes of these Terms & Conditions, the following definitions apply:

• "Platform" means the gan98 website accessible at https://gan98.cam, including all sub-pages, services, games, and features available thereon.
• "Member" means any individual who has successfully completed the gan98 account registration process and whose account remains in good standing.
• "Account" means the personal account opened by a Member on the Platform, through which all betting, gaming, deposit, and withdrawal activity is conducted.
• "Wallet" means the IDR-denominated virtual balance held within a Member's Account, reflecting deposited funds, winnings, and applicable bonus credit.
• "Wager" means any bet or stake placed by a Member on a sporting event, casino game, or any other event offered on the Platform.
• "Bonus Funds" means promotional credits awarded to a Member that are subject to wagering requirements before they may be withdrawn as real money.
• "KYC" means Know Your Customer — the identity and age verification process that gan98 is required to conduct on all Members.
• "Wagering Requirement" means the minimum cumulative wager amount a Member must complete before Bonus Funds become eligible for withdrawal.
• "WIB" means Western Indonesia Time (UTC+7), the default time zone used for all time-sensitive platform operations including promotional schedules and customer support hours.

2 Eligibility

To register and maintain an account on gan98, you must satisfy all of the following eligibility criteria at all times:

• You must be a resident of Indonesia and at least 21 years of age. gan98 operates a strict adults-only policy. No exceptions will be made.
• You must have the full legal capacity to enter into a binding contract under the laws applicable to you.
• You must not be self-excluded from any gambling platform or jurisdiction-wide self-exclusion register.
• You must not be an employee, contractor, agent, director, or immediate family member of any employee of gan98 or any affiliated entity.
• You must not be accessing the Platform from a jurisdiction where online gambling is explicitly prohibited under local law and where such prohibition has been communicated to you by gan98.

gan98 reserves the right to close any account and void all associated bets and winnings where it determines, at its sole discretion, that an eligibility criterion has not been met or has ceased to be met.

3 Account Registration

Each individual may hold only one (1) Account on the gan98 Platform. Opening duplicate, secondary, or collusive accounts is strictly prohibited and constitutes grounds for immediate termination of all associated accounts and forfeiture of all funds therein.

When registering, you must provide accurate, complete, and up-to-date information in all required fields. You are responsible for keeping your registration details current. gan98 accepts no liability for losses arising from inaccurate registration data provided by a Member.

You must not:

• Register using another person's identity, name , date of birth, or contact details.
• Use false, fictitious, or misleading information during the registration process.
• Register on behalf of another individual or entity.
• Use automated scripts, bots, or any non-human method to create an account.

Account credentials — your username and password — are personal and non-transferable. You must not share your login details with any third party. gan98 will treat all activity conducted through your Account as having been authorised by you.

4 Identity Verification (KYC)

gan98 is required to verify the identity and age of all Members in compliance with internationally recognised anti-money-laundering (AML) and responsible gaming standards. KYC verification may be requested at any time, including at registration, prior to processing a withdrawal, or following any transaction that triggers an internal review threshold.

Acceptable KYC documents include, but are not limited to:

• Proof of Identity: Valid Indonesian national identity card (KTP), passport, or driver's licence (SIM).
• Proof of Age: Any of the above identity documents showing a date of birth confirming you are 21 years of age or older.
• Proof of Payment Method: A screenshot or photograph confirming ownership of the bank account or e-wallet (OVO, DANA, GoPay, ShopeePay, LinkAja) used for deposits.

All documents must be clear, unaltered, and unexpired. gan98 reserves the right to request additional documentation where the standard documents are deemed insufficient. Accounts under KYC review may have deposit, withdrawal, and wagering activity restricted until the review is complete.

gan98 targets a KYC review completion time of 24 hours from receipt of satisfactory documentation, subject to volume and document quality.

5 Deposits & Withdrawals

All transactions on the gan98 Platform are denominated in Indonesian Rupiah (IDR). No currency conversion is applied. The following general provisions govern all deposit and withdrawal activity:

5.1 Deposits

• The minimum deposit amount is Rp 10.000. There is no maximum deposit limit for verified accounts; unverified accounts are subject to a daily deposit cap pending KYC completion.
• Deposits are accepted via local bank transfer (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, BSI, Bank Permata) and Indonesian e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja).
• Deposits are typically credited to your Wallet within three (3) minutes of confirmed receipt. Delays beyond this window are typically attributable to the sending bank's internal processing and are outside gan98's control.
• All deposits must originate from a payment method registered in your own name. Third-party deposits are not permitted and will be refunded less any applicable transfer fees.

5.2 Withdrawals

• The minimum withdrawal amount is Rp 50.000. The maximum single-transaction withdrawal limit for standard accounts is Rp 50.000.000; higher limits are available for VIP-tier Members on application.
• Withdrawals are only processed to bank accounts or e-wallets that (a) are registered in the Member's verified name and (b) match the payment method used for the most recent deposit, wherever technically feasible.
• Verified accounts in good standing will have withdrawal requests processed within the same business day (WIB), subject to the volume of requests in the processing queue.
• gan98 reserves the right to conduct enhanced due diligence on any withdrawal request, which may extend the processing time. The Member will be notified of any such delay.
• Funds that have been deposited but not wagered at least once may be subject to a withdrawal processing fee of up to 2% to cover payment gateway costs.

6 Bonuses & Promotions

gan98 offers various promotional bonuses including welcome bonuses, deposit match bonuses, free spins, cashback, and seasonal promotions tied to Indonesian cultural events such as Idul Fitri, Ramadhan, and Indonesian Independence Day (17 August). All bonuses are subject to the following general conditions, which apply in addition to any promotion-specific terms communicated at the time of the offer:

• Bonuses are available to Members who are 21 years of age or older, have a fully verified account, and are in good standing at the time the bonus is claimed.
• Unless stated otherwise, the standard wagering requirement for deposit match bonuses is 20x (twenty times) the combined value of the deposit and the bonus amount before any withdrawal can be made from the bonus balance.
• Wagering requirements must be completed within the validity period specified for each bonus. Uncompleted bonus funds expire at the end of this period and will be forfeited without compensation.
• Bonuses may only be used in games or sports betting markets that contribute to wagering requirements. Live casino games and certain high-RTP slots may contribute at a reduced rate (e.g., 10% per Rp wagered). Contribution rates are listed in the promotion-specific terms.
• Only one (1) bonus may be active in a Member's Wallet at any given time. Stacking of bonuses is not permitted unless explicitly stated in the promotion terms.
• Bonus abuse — including but not limited to multi-accounting, use of systematic betting strategies designed to exploit bonus terms, or collusion — will result in immediate account termination and forfeiture of all associated funds.

gan98 reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice, provided that any modification does not retroactively affect bonuses already claimed and in active use by Members.

7 Betting & Gaming Rules

All bets and wagers placed on the gan98 Platform are subject to the specific rules applicable to each product category. Members are responsible for familiarising themselves with the relevant rules before placing any wager. The following general rules apply platform-wide:

• Sportsbook: Bets are accepted at the odds displayed at the time of placement. In-play (live) bets are accepted subject to availability and the Platform's right to suspend markets at any time without notice. Minimum bet: Rp 1.000; maximum bet varies by market and is displayed in the bet slip. Bets placed on voided events will be refunded in full to the Member's Wallet.
• Live Casino: All live dealer games (baccarat, roulette, blackjack, sicbo) are governed by the rules of the respective game studio (Evolution Gaming, Pragmatic Play Live). gan98 publishes the studio-certified RTP for each game. In the event of a technical disconnection during a live game round, the bet will be resolved according to the outcome of that round as recorded by the studio's server, which is the authoritative record.
• Slots & RNG Games: All slot titles and RNG-based games are subject to the published RTP and volatility ratings. The outcome of each spin or game round is determined solely by certified RNG software. gan98 does not intervene in individual game outcomes.
• Togel: Togel (Indonesia's traditional numbers lottery) markets are governed by the official draw results of the relevant draw authority. Any discrepancy between a third-party result and the draw authority's official result will be resolved in favour of the official result.

gan98 reserves the right to void any bet that was placed as a result of a pricing error, technical fault, or any other circumstance that rendered the bet terms manifestly incorrect. Affected Members will be notified and their stakes refunded in full.

8 Prohibited Conduct

The following activities are strictly prohibited on the gan98 Platform and constitute grounds for immediate account termination and, where applicable, reporting to the relevant authorities:

• Opening or operating more than one Account on the Platform (multi-accounting).
• Using another person's Account, identity, or payment method.
• Attempting to exploit software bugs, glitches, or vulnerabilities for financial gain.
• Using automated betting software, bots, scripts, or artificial intelligence tools to gain an unfair advantage.
• Engaging in match-fixing, insider betting, or any form of sports manipulation.
• Colluding with other Members or third parties to manipulate game outcomes or exploit promotional offers.
• Using the Platform for any money-laundering, fraud, or other financial crime.
• Harassing, threatening, or abusing gan98 staff or other Members through any communication channel.
• Attempting to circumvent any responsible gaming tool, age verification check, or account restriction imposed by gan98.

9 Intellectual Property

All content on the gan98 Platform — including but not limited to the gan98 brand name and logo, website design, graphics, text, software, and game interfaces — is the exclusive intellectual property of gan98 or its licensed content providers and is protected by applicable intellectual property law.

Members are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal, non-commercial entertainment purposes. This licence does not permit you to:

• Reproduce, copy, distribute, or commercially exploit any Platform content.
• Reverse-engineer, decompile, or disassemble any software component of the Platform.
• Use the gan98 brand, logo, or trademarks in any manner that implies endorsement or affiliation without express written consent.

10 Limitations of Liability

To the fullest extent permitted by applicable law, gan98 excludes all liability for:

• Any loss of profits, revenue, data, goodwill, or indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Platform.
• Any interruption, suspension, or termination of Platform services due to maintenance, technical failure, cyberattack, force majeure, or any other cause beyond gan98's reasonable control.
• Any loss or corruption of data held in your Account as a result of technical failure, provided that gan98 has taken reasonable precautions to maintain data integrity.
• Delays in deposit crediting or withdrawal processing attributable to third-party payment providers (BCA, BRI, BNI, Mandiri, OVO, DANA, GoPay, ShopeePay, LinkAja, and others).

In all circumstances where gan98's liability cannot be fully excluded under applicable law, our total aggregate liability to any Member shall not exceed the total net deposits made by that Member to their gan98 Account in the thirty (30) days preceding the event giving rise to the claim.

Nothing in these Terms & Conditions excludes or limits gan98's liability for death or personal injury caused by our negligence, or for fraudulent misrepresentation, to the extent such exclusion is prohibited by law.

11 Privacy & Data

Your use of the gan98 Platform is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference. The Privacy Policy sets out how gan98 collects, uses, stores, and protects your personal data, including the data provided during KYC verification.

By accepting these Terms & Conditions, you also accept the Privacy Policy. If you do not accept the Privacy Policy, you must not use the Platform.

12 Responsible Gaming

gan98 is committed to providing a safe and responsible gaming environment. The Platform is for entertainment purposes only. Gambling involves financial risk, and you should never bet more than you can comfortably afford to lose.

We provide the following responsible gaming tools to all Members free of charge:

• Deposit Limits: Set daily, weekly, or monthly limits on the amount you can deposit.
• Loss Limits: Cap your losses over a defined period.
• Session Time Limits: Receive automatic alerts and optional session termination after a defined period of play.
• Cool-Off Period: Temporarily suspend your account for a period of between 24 hours and 6 weeks.
• Self-Exclusion: Permanently close your account and prevent re-registration for a minimum period of six (6) months. Self-exclusion requests are processed within 24 hours of confirmation.

For more detail on these tools and our responsible gaming commitments, please visit our dedicated Responsible Gaming page. If you believe gambling is becoming a problem, please contact our support team immediately at [email protected].

13 Termination

Either party may terminate the Member's Account at any time:

• By the Member: You may close your Account at any time by contacting gan98 support. Closure requests will be processed within five (5) business days. Any real-money balance remaining in your Wallet at closure (excluding Bonus Funds that have not met wagering requirements) will be refunded to your verified payment method.
• By gan98: We reserve the right to suspend, restrict, or permanently close any Account at our sole discretion, including where: (a) a breach of these Terms has occurred; (b) we are required to do so by law, regulation, or court order; (c) we have reasonable grounds to suspect fraudulent or criminal activity; or (d) the Member fails to satisfactorily complete KYC verification within the requested timeframe.

Upon termination for cause, gan98 reserves the right to withhold the Account balance pending investigation. If the investigation concludes that no breach occurred, any legitimately earned real-money balance will be returned to the Member within ten (10) business days.

14 Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which gan98 holds its international gaming licence. Any dispute, controversy, or claim arising out of or in connection with these Terms — including any question regarding their existence, validity, or termination — shall be referred to and finally resolved by binding arbitration in accordance with the arbitration rules of the relevant licensing jurisdiction.

Notwithstanding the foregoing, gan98 retains the right to seek injunctive or other equitable relief in any court of competent jurisdiction in order to protect its intellectual property rights or to prevent irreparable harm.

These Terms are written in English. In the event of any conflict between an English-language version and any translated version, the English-language version shall prevail.

15 Amendments

gan98 reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, we will notify Members by posting a prominent notice on the Platform homepage for a minimum of fourteen (14) calendar days prior to the changes taking effect, and by sending a notification to the email address registered on the Member's Account.

Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the amended Terms, you must stop using the Platform and close your Account before the effective date of the changes.

The version date displayed in the "Last Updated" notice at the top of this page is the definitive reference for the currency of these Terms.

16 Contact Us

If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the gan98 support team through the following channel:

We aim to respond to all written enquiries within twenty-four (24) hours during normal operating periods. Response times may be extended during Indonesian public holidays including Idul Fitri and Idul Adha.