win78 Terms & Conditions

1. Definitions

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

2. Eligibility

Access to win78 and participation in any betting or gaming activity on the platform is subject to the following eligibility requirements, all of which must be satisfied at the time of registration and maintained on a continuing basis throughout the duration of your account:

1. Age: You must be at least 21 years of age at the time of registration. win78 does not knowingly permit individuals under the age of 21 to open or maintain accounts. Age verification documents may be requested at any time.
2. Jurisdiction: The win78 platform is intended for use by individuals located in Indonesia. By registering, you confirm that you are accessing the platform from a jurisdiction in which online betting is not prohibited by applicable laws binding on you personally.
3. Single Account: Each individual may hold only one registered account on win78. Operating multiple accounts — including accounts registered in the names of family members residing at the same address — is strictly prohibited and constitutes grounds for immediate account suspension.
4. Personal Capacity: You must be acting on your own behalf and not as an agent, nominee, or representative of any third party when registering an account or placing any wager.
5. Not a win78 Employee: Employees, contractors, directors, and immediate family members of the win78 operating entity and its technology, payment, or game-supply partners are not eligible to hold a player account or participate in any promotional offer.

3. Account Registration

To use the win78 platform, you must complete the registration process by providing accurate, current, and complete information as requested. You agree and acknowledge the following:

1. Accuracy of Information: All information submitted during registration — including your full legal name, date of birth, Indonesian mobile number, and bank account details — must be truthful and accurate. win78 reserves the right to suspend any account where submitted information is found to be false, misleading, or unverifiable.
2. Account Security: You are solely responsible for maintaining the confidentiality of your win78 username and password. You must not share your login credentials with any other individual. win78 will not be held liable for any losses arising from unauthorised account access resulting from your failure to secure your credentials.
3. KYC Verification: win78 may, at its sole discretion and at any point during the lifecycle of your account, request identity verification documents including a government-issued national identity card (KTP), driving licence (SIM), or passport. Withdrawal processing may be paused pending completion of KYC. Failure to complete KYC within a reasonable time frame will result in account restriction.
4. Contact Information Updates: You are responsible for keeping your registered mobile number and any other contact information current. win78 is not liable for missed communications, failed OTP deliveries, or delayed account recovery arising from outdated contact details.
5. Account Transfers: win78 accounts are personal and non-transferable. Selling, gifting, assigning, or otherwise transferring your account to another individual is strictly prohibited.

4. Deposits & Withdrawals

4.1 Deposits

win78 accepts deposits exclusively in Indonesian Rupiah (IDR) via the following channels: BCA, BRI, BNI, Mandiri, CIMB Niaga, BSI (Bank Syariah Indonesia), Bank Permata, OVO, DANA, GoPay, ShopeePay, and LinkAja. All listed channels carry no platform-side processing fee. Minimum deposit amounts vary by channel and are displayed in the cashier section of your account at the time of deposit.

1. Deposits are credited to your IDR Wallet upon confirmation of receipt by win78's payment processing system. Bank transfer deposits are typically processed within five minutes during Indonesian banking business hours. E-wallet deposits via OVO, DANA, GoPay, ShopeePay, and LinkAja are processed instantly, 24 hours a day, 7 days a week.
2. You must only deposit funds that you legally own. Deposits made using payment instruments belonging to third parties — including family members — are prohibited and will trigger a KYC review.
3. win78 reserves the right to return a deposit and refuse service if there is a reasonable basis to believe the source of funds is irregular, fraudulent, or associated with money laundering activity.

4.2 Withdrawals

Withdrawals from your win78 IDR Wallet are processed to the verified Indonesian bank account or e-wallet registered to your account. The following conditions apply:

1. Minimum withdrawal amounts are set per channel and displayed in the cashier section. Standard minimum withdrawals begin at Rp 20.000 for e-wallets and Rp 50.000 for bank transfers.
2. Withdrawal requests are subject to KYC completion. win78 will not process withdrawals to accounts that have not completed identity verification where required.
3. Withdrawals may only be directed to payment instruments registered in the name of the win78 account holder. Withdrawals to third-party bank accounts or e-wallets are prohibited.
4. win78 targets withdrawal processing within 15 minutes for e-wallet channels and within one banking business day for bank transfer channels, subject to volume and verification requirements. These are target times and not guaranteed service level commitments.
5. Any active bonus wagering requirement attached to your account must be satisfied in full before a withdrawal request that includes bonus-derived funds can be processed.

5. Betting & Gaming Rules

By placing any wager or participating in any game on win78, you agree to the following general rules governing all betting and gaming activity on the platform:

1. Finality of Bets: Once a wager is confirmed and accepted by the win78 system, it is binding. You may not cancel, void, or modify a confirmed bet except where win78 expressly permits cancellation under specific product rules (e.g., cash-out functionality on eligible sportsbook markets).
2. Sportsbook Markets: Sportsbook wagers — including pre-match and in-play bets on BRI Liga 1, EPL, La Liga, Serie A, Bundesliga, Champions League, Piala AFF, and other listed competitions — are governed by the specific market rules displayed at the time of bet placement. Bandar bola (traditional Indonesian football bookmaking market), mix parlay (accumulator bets), and voor bola (Asian handicap) markets are subject to the terms displayed within the Sportsbook product.
3. Togel & Numbers Games: Togel (Indonesia's traditional numbers lottery) draws on win78 are sourced from officially published pool results (Singapore, Hong Kong, Sydney). win78 is not responsible for delays or discrepancies attributable to the source pool operator.
4. Live Casino: Live casino games are provided by third-party studio operators including Evolution Gaming and Pragmatic Play Live. Game outcomes are determined by the studio's certified Random Number Generator (RNG) or live dealing process. In the event of a disconnection during a live game round, win78 will resolve the outcome in accordance with the studio operator's house rules as communicated to win78.
5. Slots: Slot game outcomes are determined by certified RNG systems operated by the relevant studio partner. Return-to-player (RTP) percentages for each title are published by the respective studio and represent long-run theoretical averages, not guaranteed per-session outcomes.
6. Minimum and Maximum Wagers: Minimum and maximum wager limits apply per product and per market. These limits are displayed within the relevant product interface and may be modified by win78 at any time without prior notice.
7. Disputed Outcomes: In the event of a disputed outcome, win78's decision — made in consultation with relevant game or data providers where appropriate — is final and binding.

6. Bonuses & Promotions

win78 offers a range of promotional bonuses to eligible players. All bonuses are subject to the following general terms in addition to any promotion-specific terms published at the time of the offer:

1. Eligibility: Bonuses are available to players who meet the specific eligibility criteria stated in the applicable promotion. Unless otherwise stated, bonuses are available to Indonesian-resident players with fully verified accounts.
2. One Bonus Per Player: A player may not claim the same promotion more than once, and may not claim a new-player welcome bonus more than once across their lifetime on win78, regardless of whether a previous account was closed.
3. Wagering Requirements: All bonus funds are subject to a wagering requirement before becoming eligible for withdrawal. The applicable wagering multiplier (e.g., 15x, 20x, 30x) is stated in the specific promotion terms. Wagering must be completed within the time limit specified for each promotion.
4. Game Contributions: Not all games contribute equally toward meeting a wagering requirement. Typically, slots contribute 100% of each wager, while live casino games and table games may contribute at a reduced rate (e.g., 10%–25%). Specific contribution rates are published in each promotion's detailed terms.
5. Abuse and Exploitation: win78 reserves the right to withhold, void, or reclaim any bonus — and to suspend or close the relevant account — if it determines, at its sole discretion, that a player has engaged in bonus abuse, including but not limited to: coordinated wagering to minimise risk while meeting wagering requirements ("bonus hunting"), collusion between accounts, or misuse of promotional structures.
6. Expiry: Unclaimed or unconverted bonus funds expire on the date specified in the relevant promotion terms. Expired bonus funds are removed from the account balance without compensation.
7. win78 Rights: win78 reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice. Players who have already claimed a bonus and are partway through a wagering requirement will complete that requirement under the original terms in effect at the time of the claim.

7. Prohibited Conduct

The following conduct is strictly prohibited on the win78 platform. Any player found engaging in prohibited conduct will be subject to immediate account suspension, forfeiture of balance, and may be reported to relevant authorities:

• Opening, operating, or directing the operation of more than one win78 account, whether under your own name or any alias.
• Using automated software, bots, algorithms, or any artificial intelligence tool to place wagers, exploit game mechanics, or gain any unfair advantage over other players or the platform.
• Participating in any form of collusion with other players to manipulate game outcomes, artificially share winnings, or circumvent promotional limits.
• Engaging in any form of fraud, including submitting false identity documents, using stolen payment instruments, or initiating fraudulent chargebacks after withdrawals have been processed.
• Exploiting any technical error, software bug, pricing error, or system vulnerability in a manner intended to produce an unjust financial gain. Any winnings derived from such exploitation are void and subject to reclaim.
• Accessing or attempting to access the win78 platform if you are under the age of 21.
• Using the platform for any purpose connected with money laundering, terrorist financing, or any other criminal activity.
• Reproducing, republishing, distributing, or commercially exploiting any win78 content, data, odds, or intellectual property without written consent.

8. Intellectual Property

All content on the win78 platform — including but not limited to logos, trademarks, graphics, text, interface design, software architecture, odds data, and game content — is the intellectual property of win78 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 win78 platform solely for the purpose of personal, non-commercial entertainment betting and gaming. This licence does not permit you to reproduce, modify, distribute, publicly display, or create derivative works from any win78 content without express prior written authorisation.

Game content provided by third-party studios including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Pocket Games Soft, and Spribe remains the intellectual property of the respective studio and is subject to that studio's licensing terms in addition to these Terms & Conditions.

9. Privacy & Data

win78 collects, processes, and stores personal data in accordance with its Privacy Policy, which is incorporated into these Terms & Conditions by reference. By registering an account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Personal data collected by win78 includes your name, date of birth, Indonesian mobile number, bank account details, transaction history, and device/session information. This data is used for account management, identity verification (KYC), fraud prevention, customer support, regulatory compliance, and the improvement of platform services.

win78 does not sell personal data to third parties. Data may be shared with payment processors, game studio providers, and fraud-prevention services solely to the extent necessary to operate the platform and comply with applicable legal obligations.

10. Limitation of Liability

To the fullest extent permitted by applicable law, win78, its operators, affiliates, officers, employees, agents, and service providers shall not be liable for:

• Any loss of profits, revenue, data, or goodwill, whether arising in contract, tort (including negligence), or otherwise, even if win78 has been advised of the possibility of such loss.
• Any interruption, suspension, or termination of platform access, whether caused by scheduled maintenance, system failure, force majeure events, or actions by third-party internet service providers.
• Any loss arising from a player's reliance on information, odds, scores, or statistics displayed on the win78 platform, which are provided for informational purposes only and may not always reflect real-time accuracy.
• Any loss arising from a player's failure to comply with these Terms & Conditions, including loss of bonus funds, account suspension, or forfeiture of balance resulting from prohibited conduct.
• Any technical failure of a third-party game provider's system that results in a disputed game outcome, disconnection during a wager, or display error.

Where liability cannot be excluded by law, win78's aggregate liability to any player for any claim shall not exceed the total amount deposited by that player in the 30-day period immediately preceding the event giving rise to the claim.

11. Account Suspension & Closure

win78 reserves the right to suspend, restrict, or permanently close any player account at any time, with or without prior notice, in circumstances including but not limited to:

• A player's breach of any provision of these Terms & Conditions.
• A player's engagement in any Restricted Activity as defined in Section 7.
• Failure to complete KYC verification within the time frame requested.
• Reasonable grounds to believe that an account is being operated fraudulently, in breach of applicable law, or by an individual under the age of 21.
• A chargebacks dispute or payment reversal initiated by the player or their payment provider.
• A self-exclusion request submitted by the player under the win78 Responsible Gaming programme.

Upon account closure resulting from a player's breach of these Terms & Conditions, win78 reserves the right to withhold or forfeit any remaining balance, including real-money funds, where permitted by applicable law. Upon account closure initiated by the player for non-breach reasons (e.g., voluntary closure or self-exclusion), any verified real-money balance — net of any bonus funds that have not met applicable wagering requirements — will be returned to the player's registered payment instrument within a reasonable processing period.

12. Responsible Gaming

win78 is committed to promoting responsible gambling among all players. The platform provides the following tools, all accessible from within your account dashboard at no charge:

• Deposit Limits: Set daily, weekly, or monthly deposit caps to control the amount of funds entering your account within a defined period.
• Loss Limits: Define a maximum net loss threshold over a specified period, after which the system will prevent further wagering until the limit period resets.
• Session Time Reminders: Configure in-session alerts that notify you when you have been actively playing for a defined duration.
• Cooling-Off Period: Request a temporary suspension of your account for a defined period (available in increments from 24 hours to 30 days) without permanently closing the account.
• Self-Exclusion: Permanently exclude yourself from the win78 platform. Self-exclusion requests are processed within one business day and are irrevocable for a minimum period of six months.

If you believe that gambling is negatively affecting your financial situation, mental health, or personal relationships, we strongly encourage you to use these tools and to visit our dedicated Responsible Gaming page. win78 support agents trained in responsible gaming are available 24/7 via live chat to provide guidance and assistance.

13. Amendments to These Terms

win78 reserves the right to amend, update, or replace these Terms & Conditions at any time. Material changes will be communicated to registered players via the registered mobile number or through a prominent notice on the win78 platform prior to the effective date of the change.

Your continued use of the win78 platform following the effective date of any amendment constitutes your acceptance of the revised Terms & Conditions. If you do not agree to the amended terms, you must cease using the platform and contact win78 support to arrange an orderly account closure and return of any verified real-money balance.

The version of the Terms & Conditions in effect at the time a particular transaction, wager, or dispute arises shall govern that transaction, wager, or dispute, unless otherwise required by law.

14. Governing Law & Dispute Resolution

These Terms & Conditions are governed by and construed in accordance with internationally recognised principles of commercial law applicable to online gaming and betting operations. win78 operates under an internationally issued gaming licence and is subject to the regulatory requirements of that licensing jurisdiction.

In the event of any dispute arising out of or in connection with these Terms & Conditions, the parties agree to seek resolution first through win78's internal dispute resolution process, initiated by contacting win78 customer support. win78 will acknowledge all formal disputes within 72 hours and provide a substantive response within 14 calendar days.

If a dispute cannot be resolved through the internal process, it may be escalated to the relevant dispute resolution body designated by win78's licensing authority. The decision of that body shall be final and binding on both parties.

Nothing in this clause limits a player's right to seek relief from any court of competent jurisdiction in respect of any matter that cannot lawfully be resolved by arbitration or alternative dispute resolution under the laws applicable to the player's country of residence.

15. Contact

If you have any questions about these Terms & Conditions, wish to raise a formal dispute, or need assistance with any aspect of your win78 account, please contact the win78 support team using the following channels:

• Live Chat: Available 24/7 directly from the win78 website. This is the fastest channel for account-related queries.
• WhatsApp: Available 08:00–24:00 WIB (Western Indonesia Time, UTC+7). Details are displayed in the win78 support section.
• Email: [email protected] — for non-urgent queries, formal dispute submissions, and KYC document submissions. Please allow up to two business days for email responses.

For responsible gaming inquiries, self-exclusion requests, and problem gambling support, a dedicated team is available via live chat at all times. See our Responsible Gaming page for further guidance.