Terms & Conditions

1. Definitions

In these Terms and Conditions, the following terms shall have the meanings assigned to them below unless the context clearly indicates otherwise:

• "fw99," "we," "us," or "our" refers to the fw99 online gaming platform, its operators, and affiliated entities providing sports betting and casino services to Indonesian players.
• "Player," "you," or "your" refers to any individual who registers an account, accesses the platform, or uses any services provided by fw99.
• "Platform" or "Website" refers to the fw99 website accessible at https://fw99.cam, including all subdomains, mobile applications, and related services.
• "Account" refers to the personal gaming account registered by a player on the fw99 platform for the purpose of placing bets and playing casino games.
• "Bet" or "Wager" refers to any stake placed by a player on a sporting event, casino game, togel (Indonesia's traditional numbers lottery), or other gaming product offered on the platform.
• "Funds" or "Balance" refers to the monetary value deposited by a player into their fw99 account, expressed in Indonesian Rupiah (IDR).

2. Acceptance of Terms

By accessing, registering an account on, or using the fw99 platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. These terms constitute a legally binding agreement between you and fw99. If you do not agree with any provision of these terms, you must immediately cease all use of the platform and refrain from registering an account.

fw99 reserves the right to modify, amend, or update these Terms and Conditions at any time without prior notice. Any changes will become effective immediately upon posting to the website. Your continued use of the platform following any such changes constitutes your acceptance of the new terms. It is your responsibility to review these terms periodically to stay informed of any modifications.

These Terms and Conditions should be read in conjunction with our Privacy Policy, Responsible Gaming Policy, and any specific rules applicable to individual games or betting markets. In the event of any conflict between these general terms and specific game rules, the specific rules shall prevail for that particular game or market.

3. Eligibility Requirements

To register an account and use fw99 services, you must meet all of the following eligibility criteria without exception:

• Age Verification: You must be at least 21 years of age. fw99 requires submission of valid Indonesian KTP (Kartu Tanda Penduduk - national identity card) during the account verification process to confirm your date of birth. Any player found to be under the age of 21 will have their account immediately suspended, all bets voided, and funds returned.
• Residency: You must be a resident of Indonesia at the time of registration and throughout your use of fw99 services. Players residing outside Indonesia may be restricted from accessing certain services or the platform entirely.
• Legal Capacity: You must have the legal capacity to enter into binding contracts under Indonesian law. You are not permitted to register or use fw99 services if you are under legal guardianship, bankruptcy protection, or otherwise legally restricted from entering into financial agreements.
• Single Account: You may register and maintain only one (1) account on the fw99 platform. Multiple accounts registered by the same individual, whether using different personal information or not, are strictly prohibited and will result in account closure and forfeiture of funds.
• Responsible Gaming Compliance: You must not be subject to any self-exclusion orders, either imposed by yourself through fw99's responsible gaming tools or through any other gambling platform. If you have previously self-excluded from fw99, you may not register a new account during the exclusion period.

4. Account Registration

Account registration on fw99 requires you to provide accurate, current, and complete information as requested in the registration form. The information required includes, but is not limited to:

• Full legal name as it appears on your Indonesian KTP
• Date of birth
• Valid Indonesian mobile phone number
• Email address for account communications
• Residential address in Indonesia
• Secure password meeting our security requirements

You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You must not share your login information with any third party. Any activity that occurs under your account will be deemed to have been authorized by you, and you will be held responsible for all transactions, bets, and account actions.

If you suspect that your account has been compromised or accessed by an unauthorized party, you must immediately notify fw99 customer support and change your password. fw99 shall not be liable for any losses resulting from unauthorized account access if you have failed to maintain proper security of your credentials.

Know Your Customer (KYC) Verification

In compliance with international anti-money laundering regulations and Indonesian financial standards, fw99 requires all players to complete a KYC verification process before processing withdrawal requests. This verification includes:

• Submission of a clear photograph or scan of your Indonesian KTP showing your full name, date of birth, and photograph
• A recent selfie photograph of yourself holding your KTP for identity confirmation
• Verification of your registered Indonesian bank account details matching the name on your KTP
• Additional documentation may be requested in certain circumstances, such as proof of address or source of funds for large transactions

fw99 aims to complete KYC verification within 24 hours of document submission. You may deposit and play immediately after registration, but withdrawal requests will be processed only after successful KYC verification.

5. Deposits and Withdrawals

fw99 supports deposits and withdrawals in Indonesian Rupiah (IDR) through various payment methods including major Indonesian banks (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI, Bank Permata) and popular e-wallet services (OVO, DANA, GoPay, ShopeePay, LinkAja).

Deposit Terms

• Minimum deposit amount is Rp 50,000 for bank transfers and Rp 25,000 for e-wallet deposits.
• Maximum deposit limits vary by payment method and are displayed during the deposit process. Daily deposit limits may apply.
• Deposits are typically processed instantly. In rare cases, bank transfer delays may occur due to banking system maintenance or technical issues outside fw99's control.
• You may only deposit funds from a bank account or e-wallet registered in your own name. Third-party deposits are strictly prohibited.
• fw99 does not charge fees for deposits. However, your bank or payment provider may impose their own transaction fees.

Withdrawal Terms

• Minimum withdrawal amount is Rp 100,000.
• Withdrawals are processed to the same payment method and account used for deposits, in accordance with anti-money laundering regulations.
• Withdrawal processing times vary: typically 1-4 hours for amounts under Rp 5,000,000 during business hours (09:00-17:00 WIB Monday-Friday), and 6-24 hours for larger amounts or requests made outside business hours.
• Your account must be fully KYC verified before any withdrawal request can be processed.
• Withdrawals may be subject to additional verification checks for security and compliance purposes, which may extend processing times.
• Any bonus funds must meet the stated wagering requirements before the associated funds can be withdrawn.

6. Bonuses and Promotions

fw99 offers various bonuses and promotional offers to players, including welcome bonuses, deposit bonuses, cashback offers, and seasonal promotions. All bonuses are subject to specific terms and conditions that will be clearly stated at the time of the offer.

General bonus terms applicable to all promotions unless otherwise specified:

• Wagering Requirements: All bonuses carry wagering requirements (also known as turnover requirements) that must be met before any winnings derived from bonus funds can be withdrawn. Wagering requirements are expressed as a multiple of the bonus amount (e.g., 30x means you must wager thirty times the bonus amount).
• Eligible Games: Not all games contribute equally toward wagering requirements. Slot games typically contribute 100%, while table games and live casino may contribute 10-20%. Sports bets may require minimum odds to qualify.
• Maximum Bet Limits: While playing with active bonus funds, maximum bet limits apply (typically Rp 50,000 per spin/bet). Exceeding these limits may result in bonus forfeiture.
• Expiration: Bonuses and their associated wagering requirements must be completed within a specified time period (typically 30 days) or they will expire and be removed from your account.
• One Bonus at a Time: Players may have only one active bonus at any given time. A new bonus cannot be claimed until the previous bonus has been completed or forfeited.
• Abuse Prevention: fw99 reserves the right to void bonuses and associated winnings if bonus abuse or fraudulent activity is detected, including but not limited to: registering multiple accounts, exploiting system errors, or colluding with other players.

7. Betting Rules

All bets placed on the fw99 platform are subject to the following general rules, in addition to specific rules applicable to individual sports, leagues, and game types:

• Bet Acceptance: A bet is considered accepted only when confirmation appears in your betting history and your account balance is adjusted accordingly. fw99 reserves the right to reject or limit any bet at its sole discretion.
• Minimum and Maximum Stakes: Each betting market has minimum and maximum stake limits. These limits are displayed at the time of bet placement and may vary by sport, league, and market type.
• Odds Accuracy: While fw99 strives to ensure all odds are accurate, obvious errors (palpable errors) may occur. fw99 reserves the right to void bets placed on clearly incorrect odds.
• Settlement: Sports bets are settled based on official results as determined by the relevant governing body. For football (BRI Liga 1, EPL, La Liga, etc.), results are final after 90 minutes of play plus stoppage time, unless otherwise stated. Extra time and penalty shootouts do not count unless specifically included in the market.
• Postponed or Abandoned Events: If a sporting event is postponed, bets remain valid for 48 hours. If the event does not take place within this period, all bets are voided and stakes refunded. If an event is abandoned after starting, settlement depends on the specific sport rules.
• Casino Games: All casino games including slots, live dealer tables, and togel lottery draws use certified random number generators (RNG) or live dealer outcomes. Results are final once determined and cannot be reversed.
• Asian Handicap and Over/Under: Voor bola (Asian handicap) betting and over/under markets follow standard Asian handicap rules with half-goal and quarter-goal handicaps. Quarter-goal handicaps split stakes between two lines.
• Parlay/Accumulator Bets: Mix parlay bets combine multiple selections into a single bet. All selections must win for the bet to pay out. If any selection is void, it is removed from the parlay and odds are recalculated on the remaining selections.

8. Prohibited Activities

The following activities are strictly prohibited on the fw99 platform and may result in immediate account suspension, balance forfeiture, and potential legal action:

• Underage Gambling: Any attempt to register or play while under the age of 21.
• Multiple Accounts: Creating or operating more than one account on fw99.
• Fraudulent Activity: Using stolen credit cards, false identity documents, or any form of payment fraud.
• Collusion: Coordinating with other players to gain an unfair advantage, particularly in poker or betting on opposing outcomes.
• Bonus Abuse: Exploiting bonuses through multiple accounts, coordinated betting, or any method designed to guarantee profit without genuine risk.
• Automated Betting: Using bots, scripts, or any automated software to place bets or play games.
• Money Laundering: Using the platform to launder money or engage in any form of financial crime.
• Hacking or Exploitation: Attempting to hack, exploit software vulnerabilities, or manipulate games or betting systems.
• Abusive Behavior: Harassing other players or customer support staff, or using offensive language in any platform communications.

9. Limitation of Liability

To the fullest extent permitted by applicable law, fw99 and its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the platform, including but not limited to:

• Loss of winnings, funds, or profits
• Business interruption or loss of data
• Service interruptions, technical failures, or downtime
• Errors or omissions in odds, results, or platform content
• Unauthorized access to your account resulting from your failure to secure your credentials
• Actions or decisions made by third-party payment processors or banking institutions

fw99 operates on an "as is" and "as available" basis. We do not warrant that the platform will be uninterrupted, error-free, or free from viruses or other harmful components. Your use of the platform is at your own risk.

Nothing in these terms shall exclude or limit fw99's liability for fraud, fraudulent misrepresentation, or any liability that cannot be excluded or limited under applicable law.

10. Account Termination

fw99 reserves the right to suspend, restrict, or permanently close your account at any time, with or without cause, and with or without notice. Grounds for account termination include, but are not limited to:

• Breach of any provision of these Terms and Conditions
• Engagement in any prohibited activities listed in Section 8
• Failure to complete KYC verification when requested
• Provision of false or misleading information during registration
• Detection of fraudulent, abusive, or illegal activity
• Request for account closure by the player
• Prolonged period of account inactivity (typically 12 months or more)

Upon account termination by fw99 due to breach of terms, any remaining balance may be forfeited. In cases of voluntary closure or termination without cause, any legitimate remaining balance will be returned to you following completion of any necessary verification procedures.

You may request voluntary account closure at any time by contacting fw99 customer support. Responsible gaming self-exclusion is also available and can be set for periods of 24 hours, 7 days, 30 days, or permanently.

11. Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with international gaming regulations and the laws applicable to online gambling operations serving the Indonesian market. Any disputes arising from or relating to your use of the fw99 platform shall first be addressed through our internal customer complaints procedure.

If you have a complaint or dispute, you must contact fw99 customer support in writing via email to [email protected] with a detailed description of the issue. fw99 will investigate and respond to all complaints within 14 business days of receipt.

In the event that a dispute cannot be resolved through our internal procedures, both parties agree to seek resolution through binding arbitration or mediation before pursuing any legal action. The language of any arbitration proceedings shall be English.

12. Contact Information

For questions regarding these Terms and Conditions, account issues, or any other inquiries, please contact fw99 customer support:

• Email: [email protected]
• Live Chat: Available 24/7 through the platform
• WhatsApp: +62 812 3456 7890

Our Indonesian-speaking customer support team is available around the clock to assist you with any questions or concerns.