Terms & Conditions ATM88 Apps – Complete Platform User Guide

These Terms & Conditions ("Terms") govern your use of the ATM88 Apps platform, including the website, mobile application (Android and iOS), and all services offered therein. By accessing or using any part of the ATM88 Apps platform, you expressly confirm that you have read, understood, and agreed to be bound by these Terms, together with the Privacy Policy and all additional guidelines published from time to time.

ATM88 Apps reserves the right to modify, add, or amend these Terms at any time without prior notice. However, we will make reasonable efforts to notify members of material changes via in-app notifications or registered email. The last updated date will always be displayed at the top of this document. It is your responsibility to review these Terms from time to time to ensure you are aware of the latest version in effect.

Your continued use of the ATM88 Apps platform following any changes to these terms constitutes full acceptance of the revised terms. If you do not agree with the updated terms, you have the right to stop using the platform and close your account by contacting our support team.

To register and use ATM88 Apps services, you must meet all of the following eligibility criteria:

• Age restriction: You must be at least 18 years of age at the time of registration. ATM88 Apps takes age limit compliance seriously and reserves the right to request proof of age at any time. Accounts found to be held by underage individuals will be terminated immediately, and all account balances may be frozen pending verification.
• Legal capacity: You must have full legal capacity to enter into a binding agreement under Malaysian law.
• Location: You are solely responsible for ensuring that your use of the ATM88 Apps platform is lawful under the laws applicable in your jurisdiction.
• No restrictions: You are not currently subject to any ban or suspension previously issued by ATM88 Apps.

Each user is only permitted to hold one (1) active account on ATM88 Apps at all times. Holding multiple accounts – whether in your own name or under someone else's – is strictly prohibited and constitutes a serious breach of these terms.

During registration, you are required to provide accurate, complete, and up-to-date information, including your full name, an active Malaysian phone number, and a valid email address. You are responsible for keeping this information current by contacting our support team whenever changes occur.

Regarding account security, you must:

• Choose a strong password and do not share your ATM88 Apps account password with anyone.
• Log out of your account after every session, especially when using a shared device.
• Contact the ATM88 Apps support team immediately if you suspect any unauthorized access to your account.
• Do not allow others to access or use your account for any reason.

ATM88 Apps reserves the right to request identity verification (KYC – Know Your Customer) at any time, particularly before processing withdrawals that exceed a certain amount. Required documents may include a copy of a valid national identity card (MyKad) or passport.

ATM88 Apps accepts deposits via the following payment methods, all of which are local Malaysian options:

• Touch 'n Go eWallet
• GrabPay
• Boost
• ShopeePay
• DuitNow
• FPX – Internet Banking (including Maybank2u, CIMB Clicks, and other Malaysian banks that support FPX)

All transactions at ATM88 Apps are conducted in Malaysian Ringgit (MYR). ATM88 Apps does not accept payments in foreign currencies.

It is an absolute requirement that the payment method used for deposits must be registered under the same name as your ATM88 Apps account. Deposits from third-party accounts will not be accepted and will be returned, subject to applicable transaction fee deductions. ATM88 Apps reserves the right to freeze an account for investigation purposes if there is any mismatch in the payment method owner's details.

ATM88 Apps is committed to processing all withdrawal requests within 3 to 5 minutes for standard situations. This is one of the key features we take pride in, and we consistently strive to uphold this standard.

Withdrawal terms and conditions are as follows:

• Minimum withdrawal amount: RM 30 per transaction.
• Withdrawal method: Withdrawals may only be made to the same payment method used for the deposit, and it must be registered under the same name as your ATM88 Apps account.
• KYC verification: For withdrawals exceeding a certain threshold, ATM88 Apps reserves the right to request identity verification before processing the transaction.
• Bonus wagering requirement: If your account has an active bonus, you may be required to fulfil the applicable wagering requirements before a withdrawal is permitted.
• Withdrawal fee: No fees for standard withdrawals. ATM88 Apps covers all processing costs for regular transactions.

ATM88 Apps offers its members various bonuses and promotions from time to time. All bonuses are subject to the specific terms stated in each respective offer. The following are general conditions that apply to most bonuses at ATM88 Apps:

• Wagering Requirement: Most bonuses carry a wagering requirement of 20x to 35x the bonus value, unless stated otherwise. This means you must wager an amount equal to 20 to 35 times the bonus value before the bonus balance can be converted into withdrawable cash.
• Bonus validity period: Each bonus has a specific validity period, typically between 7 and 30 days from the date of activation. Bonuses not used within this period will expire automatically.
• Betting limit while a bonus is active: For certain promotions, the maximum bet amount using bonus funds may be capped. Please review the details of each offer.
• One bonus per offer: Each promotion may only be claimed once per member, unless otherwise stated in the relevant promotion's terms.
• Bonus abuse policy: ATM88 Apps reserves the right to void bonuses and close accounts where there is evidence of bonus system abuse, including but not limited to the use of multiple accounts to claim the same bonus.

ATM88 Apps reserves the right to modify, suspend, or cancel any promotional offer at any time. Such changes will not affect bonuses that have already been claimed and are currently active, unless there is evidence of abuse.

By playing on ATM88 Apps, you agree to abide by the following game rules:

• All game outcomes are final once calculated by the system. ATM88 Apps is not liable for technical errors that occur outside the platform's control, including internet connection disruptions on the player's end.
• In the event of a technical disruption on the platform's end during an active game, ATM88 Apps will make every effort to restore the game session or refund any affected bets based on available system records.
• All games are operated using a Random Number Generator (RNG) that has been verified and certified by an independent body. The RTP (Return to Player) value for each slot game is as stated in the respective game's description.
• ATM88 Apps has zero tolerance for any attempt to exploit technical vulnerabilities, use unauthorized third-party software, or engage in any form of in-game fraud. Accounts suspected of such activity will be suspended immediately pending investigation.
• Once a bet has been placed and confirmed, it cannot be cancelled by the player. Please review all bet details carefully before confirming.

For live casino games involving a human dealer, the outcome announced by the dealer is final and cannot be disputed, unless there is clear evidence of an error verifiable through the video recording of that session.

The ATM88 Apps Sports Betting section — covering football (Malaysia Super League, EPL, La Liga, UCL, and more), cricket, badminton, e-sports, and other sports — is subject to the following additional rules:

• Confirmed bets are final: Once a bet has been confirmed and accepted by the system, it cannot be cancelled or modified by the player.
• Odds are subject to change: Odds offered are based on market conditions at the time the bet is placed. For pre-match bets, the applicable odds are those confirmed at the time of placement, not the odds at kick-off.
• Match postponed or cancelled: If a match is postponed before kick-off or cancelled without being played, pre-match bets will generally be refunded. For live bets, the outcome depends on the stage of the match at the time of suspension.
• Parlay (Accumulator): For parlays, all legs must win for the bet to be settled as a winner. A single losing leg voids the entire parlay, unless that leg involves a cancelled match – in which case it will be graded as a win at odds of 1.0.
• Parlay limit: Maximum 15 legs in a single parlay at ATM88 Apps.
• Arbitrage prohibition: ATM88 Apps reserves the right to void any bets suspected of being placed as part of an arbitrage strategy or market abuse.

ATM88 Apps takes responsible gaming very seriously. We believe that gaming should be a source of entertainment — not financial or emotional stress. To support this, we provide a range of tools to help members manage their playing activity:

• Personal deposit limit: You may set daily, weekly, or monthly deposit limits through your account settings. Limits take effect immediately and cannot be increased within 24 hours of the change being made.
• Loss limit: Option to set a maximum loss limit per session or within a specified time period.
• Time-out: An option to temporarily pause account activity for a set period (24 hours, 7 days, 30 days, or a custom duration).
• Self-exclusion: For more serious cases, you may apply for a long-term self-exclusion from the platform. Such requests are processed within 24 hours and cannot be reversed until the exclusion period expires.

ATM88 Apps will not encourage or pressure players to continue playing once their personal limits have been reached. Our system enforces set limits automatically. For more information on responsible gaming tools and professional support resources, please visit the Responsible Gaming us.

ATM88 Apps reserves the right to suspend or close any account without prior notice for reasons including but not limited to:

• Breach of any term in this document
• Facilitation or concealment of fraud, money laundering, or other unlawful activities
• Multiple account ownership
• Bonus system abuse
• Providing false information during registration or the KYC process
• Use of automated software, bots, or other unauthorized methods
• Abusive or threatening behaviour toward ATM88 Apps staff

In the event of account closure due to a terms violation, ATM88 Apps reserves the right to hold the account balance pending the completion of an investigation. If the investigation establishes fraud or illegal activity, the balance in question may be fully forfeited.

Members who wish to voluntarily close their account may do so by contacting our support team. Any valid remaining balance will be returned once the verification process is complete, subject to all applicable withdrawal conditions being met.

To the fullest extent permitted under Malaysian law, ATM88 Apps, its directors, employees, agents, and partners shall not be liable for:

• Any direct or indirect losses arising from the use of, or inability to use, the ATM88 Apps platform.
• Service disruptions caused by factors beyond our control, including internet infrastructure outages, natural disasters, or third-party actions.
• Any losses arising from unauthorised access to your account resulting from your own negligence in safeguarding your login credentials.
• Content on third-party websites or services that may be linked from the ATM88 Apps platform.

ATM88 Apps' total liability to you under any circumstances shall not exceed the net deposits you made in the 12 months preceding the relevant claim.

These Terms & Conditions are governed by the laws of Malaysia. Any dispute arising from or in connection with these Terms will be resolved through the following process:

1. Direct negotiation: As a first step, you are encouraged to contact the ATM88 Apps support team directly. Most issues can be resolved within 24 to 48 hours through direct communication.
2. Formal complaint: If direct negotiation is unsuccessful, you may submit a formal complaint via email to support@atm88apps.com. We are committed to providing a written response within 5 business days.
3. Arbitration: If a formal complaint cannot be resolved, the dispute will be referred to an independent arbitrator jointly appointed by both parties, in accordance with arbitration procedures recognized in Malaysia.

The official language for all formal communications with ATM88 Apps is either Bahasa Melayu or English. In the event of any conflict between the two language versions of these terms, the Bahasa Melayu version shall prevail.