Terms & Conditions

1. Definitions

In these Terms & Conditions, unless the context otherwise requires, the following terms shall have the meanings set forth below:

• "Platform," "Website," "Service," "We," "Us," "Our" refers to habi88 and all associated domains, mobile applications, and services operated under the habi88 brand.
• "User," "You," "Your," "Player," "Customer" refers to any individual who accesses, registers, or uses the habi88 platform services.
• "Account" refers to the personal user account created by registering on the habi88 platform, through which all betting and gaming activities are conducted.
• "Funds," "Balance," "Deposit" refers to money credited to your account for the purpose of placing bets and playing games on the platform.
• "Withdrawal" refers to the process of transferring funds from your habi88 account to your designated bank account or e-wallet.
• "Bonus" refers to promotional credits, free bets, or other incentives offered by habi88, subject to specific terms and wagering requirements.
• "Bet," "Wager," "Stake" refers to any amount of money risked on a game, sporting event, or other betting opportunity available on the platform.

2. Eligibility and Account Registration

2.1 Age and Residency Requirements

You must meet all of the following eligibility criteria to use habi88 services:

• You must be at least 21 years of age or older at the time of registration. habi88 strictly enforces age verification through KYC (Know Your Customer) procedures.
• You must be a legal resident of Indonesia or physically located within Indonesian territory when accessing our services.
• Online gambling must be legal in your specific jurisdiction of residence. You are solely responsible for determining whether your use of habi88 complies with applicable local laws.
• You must not be listed on any self-exclusion register, either with habi88 or any other gambling operator, nor be subject to any legal restrictions that prohibit you from gambling.

2.2 Account Creation

When registering an account with habi88, you agree to the following conditions:

• You may open only one account per person, per household, per IP address, and per payment method. Multiple accounts opened by the same individual will be closed, and any funds or winnings may be forfeited.
• All information provided during registration must be accurate, complete, and current. You must immediately update your account information if any details change.
• You are responsible for maintaining the confidentiality of your account credentials (username and password). Any activity conducted through your account is your sole responsibility.
• You must not allow any third party to access or use your account. Account sharing is strictly prohibited and may result in permanent account closure.
• habi88 reserves the right to request identity verification documents at any time, including but not limited to government-issued ID (KTP), proof of address, and payment method verification.

2.3 Account Verification (KYC)

To comply with international regulatory standards and Indonesian financial regulations, habi88 implements mandatory Know Your Customer (KYC) procedures. You agree to provide the following documents when requested:

• A clear, legible copy of your Indonesian National Identity Card (KTP) showing your full name, photograph, date of birth, and address.
• Proof of address dated within the last three months, such as a utility bill, bank statement, or government correspondence.
• Selfie verification holding your KTP next to your face to confirm identity authenticity.
• Payment method verification, including screenshots or statements confirming ownership of bank accounts or e-wallets used for deposits.

Failure to provide requested verification documents within seven days may result in temporary account suspension and withdrawal restrictions until verification is completed. habi88 reserves the right to withhold withdrawals pending successful identity verification.

3. Deposits and Withdrawals

3.1 Deposits

habi88 accepts deposits in Indonesian Rupiah (IDR) through the following methods: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, OVO, DANA, GoPay, ShopeePay, and LinkAja. All deposit terms are as follows:

• Minimum deposit amount is Rp 10,000 per transaction. Maximum deposit limits vary by payment method as specified in the Payment Methods section.
• Deposits are typically processed instantly, though processing times may vary depending on your bank or e-wallet provider.
• habi88 does not charge fees for deposits. However, your bank or payment provider may impose their own transaction fees, which are beyond our control.
• You must deposit funds only from payment methods registered in your own name. Third-party deposits are strictly prohibited and will result in funds being returned to the source.
• Deposits made by mistake cannot be reversed once credited to your account. Contact customer support immediately if you believe a deposit error has occurred.

3.2 Withdrawals

Withdrawal of funds from your habi88 account is subject to the following conditions:

• Minimum withdrawal amount is Rp 50,000 per transaction. Maximum withdrawal limits depend on your VIP tier and account verification status.
• Withdrawals must be made to a bank account or e-wallet registered in your own name matching the name on your habi88 account. Third-party withdrawals are prohibited.
• Standard withdrawal processing time is 15 minutes to 24 hours during Indonesian banking hours (Monday to Friday, 09:00-16:00 WIB). Weekend and public holiday withdrawals may experience delays.
• habi88 reserves the right to request additional identity verification documents before processing withdrawals, particularly for first-time withdrawals or unusually large amounts.
• Withdrawals are processed on a first-in, first-out basis. You must withdraw deposited funds before withdrawing bonus funds, in accordance with applicable wagering requirements.
• habi88 does not charge withdrawal fees. However, your receiving bank or e-wallet provider may impose fees on incoming transfers.

3.3 Anti-Money Laundering (AML) Policy

habi88 operates a strict anti-money laundering policy in compliance with international financial regulations. All deposits must be wagered at least once before withdrawal is permitted. Attempting to use habi88 as a money transfer service will result in immediate account closure and reporting to relevant authorities. Suspicious transaction patterns may be investigated and reported to Indonesian financial crime prevention agencies.

4. Bonuses and Promotions

4.1 Bonus Terms

All bonuses, promotions, and special offers provided by habi88 are subject to specific terms and conditions, which are clearly stated in the promotional materials. General bonus terms include:

• Bonuses are intended for recreational players only. Professional or advantage players who manipulate bonus terms may have bonuses voided and accounts suspended.
• Each bonus has specific wagering requirements (also called rollover or playthrough requirements) that must be met before bonus funds or winnings derived from bonuses can be withdrawn.
• Unless otherwise stated, wagering requirements must be completed within a specified timeframe (typically 7 to 30 days). Failure to meet requirements within the deadline results in forfeiture of bonus and associated winnings.
• Not all games contribute equally to wagering requirements. Slots typically contribute 100%, while table games, live casino, and sports betting may contribute less or be excluded entirely.
• Maximum bet limits apply when playing with bonus funds. Exceeding the maximum bet may void bonus funds and winnings. Typical limits are Rp 25,000 per bet for slots and Rp 50,000 for sports betting.
• Bonuses cannot be withdrawn directly. Only winnings generated from bonus play, after meeting all wagering requirements, can be withdrawn.
• habi88 reserves the right to modify, suspend, or cancel any bonus or promotion at any time without prior notice.

4.2 Bonus Abuse

The following activities constitute bonus abuse and will result in forfeiture of bonuses, winnings, and possible account termination:

• Opening multiple accounts to claim bonuses multiple times.
• Using betting strategies designed to exploit bonus terms, such as opposite bets or low-risk hedging strategies.
• Colluding with other players to manipulate bonus outcomes.
• Depositing, claiming a bonus, and immediately withdrawing without genuine play.

5. Betting Rules and Game Conduct

5.1 General Betting Rules

All bets placed on habi88 are governed by the following general rules:

• Once a bet is confirmed, it cannot be cancelled, modified, or reversed, except in cases of obvious errors as determined by habi88 management.
• habi88 reserves the right to void bets and refund stakes if a bet is placed after an event has started, if incorrect odds were displayed due to technical errors, or if the bet violates platform rules.
• In the event of disputes, habi88's records and determinations are final and binding unless demonstrable technical errors are proven.
• Minimum and maximum bet limits vary by game type, sport, and market. These limits are displayed at the time of bet placement.
• Sports betting results are determined based on official results published by governing sports bodies. Results may be subject to change if official results are amended.

5.2 Prohibited Activities

The following activities are strictly prohibited and will result in immediate account suspension, forfeiture of funds, and possible legal action:

• Using automated betting software, bots, or any form of artificial intelligence to place bets.
• Exploiting software vulnerabilities, bugs, or errors to gain unfair advantage.
• Colluding with other players or engaging in syndicate betting.
• Engaging in fraudulent activity, including chargebacks, identity theft, or use of stolen payment methods.
• Harassing, threatening, or abusing customer service staff or other players.
• Using VPNs or proxy servers to disguise your location or circumvent geographical restrictions.

6. Responsible Gaming

habi88 is committed to promoting responsible gaming practices. We provide the following tools to help players maintain control over their gambling activities:

• Deposit Limits: Set daily, weekly, or monthly deposit limits through your account settings.
• Time-Out Periods: Take a temporary break from gambling for 24 hours, 7 days, or 30 days.
• Self-Exclusion: Permanently or temporarily exclude yourself from habi88 for a minimum of 6 months.
• Reality Checks: Receive notifications reminding you how long you have been playing.

If you feel that gambling is negatively impacting your life, please contact our support team for assistance or visit our Responsible Gaming page for resources and support organization contacts.

7. Limitation of Liability

To the fullest extent permitted by applicable law, habi88 shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Technical failures, including but not limited to server downtime, internet connectivity issues, or software malfunctions.
• Delays or failures in payment processing caused by third-party payment providers or banks.
• Unauthorized access to your account resulting from your failure to maintain password confidentiality.
• Losses incurred due to your violation of these Terms & Conditions.
• Changes in applicable laws or regulations affecting your ability to use our services.

habi88's maximum liability to you for any claim arising from your use of the platform shall not exceed the total amount of deposits made to your account in the six months preceding the claim.

8. Governing Law and Dispute Resolution

These Terms & Conditions shall be governed by and construed in accordance with international gaming regulations and Indonesian commercial law where applicable. Any disputes arising from your use of habi88 services shall be resolved through the following procedure:

1. You must first contact habi88 customer support to attempt to resolve the dispute informally.
2. If informal resolution fails, the dispute may be escalated to habi88 management for formal review.
3. Management decisions are final and binding unless you can demonstrate clear evidence of error.
4. As a last resort, disputes may be submitted to binding arbitration under internationally recognized arbitration rules.

9. Changes to Terms & Conditions

habi88 reserves the right to modify, amend, or update these Terms & Conditions at any time. Changes will be effective immediately upon posting to this page. Continued use of the platform after changes are posted constitutes your acceptance of the modified terms. We recommend reviewing this page periodically to stay informed of any updates. The "Last Updated" date at the top of this document indicates when the most recent changes were made.

10. Account Closure and Termination

habi88 reserves the right to suspend or permanently close your account at any time, with or without prior notice, for the following reasons:

• Violation of any provision of these Terms & Conditions.
• Fraudulent activity or suspected criminal conduct.
• Multiple account creation or bonus abuse.
• Provision of false or misleading information during registration or verification.
• Prolonged account inactivity (typically 12 months with no logins or transactions).

Upon account closure, any remaining balance of deposited funds (minus any pending bonuses or fraudulent winnings) will be returned to you. habi88 is not liable for any inconvenience or losses resulting from account closure due to your breach of these terms.

11. Contact Information

If you have questions about these Terms & Conditions or require clarification on any provision, please contact habi88 customer support: