Terms & Conditions — zan88
Online Gaming Platform

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

2.1 These Terms & Conditions constitute a legally binding agreement between you and zan88. By clicking "Register", "Login", "Deposit", or by otherwise accessing or using any feature of the Platform, you acknowledge that you have read these Terms, understood them, and agree to be bound by them.

2.2 These Terms must be read in conjunction with any additional rules, game-specific rules, bonus terms, and the Privacy Policy published on the Platform. In the event of any conflict between these Terms and game-specific rules, the game-specific rules shall prevail in respect of that game only.

2.3 zan88 reserves the right to amend these Terms at any time. Continued use of the Platform following notification of any amendment constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

3.1 Age Requirement. You must be at least 21 years of age to register an Account or use the Platform. zan88 operates a strict 21+ policy in accordance with responsible gaming best practices applicable to the Indonesian market. By registering, you represent and warrant that you are 21 years of age or older.

3.2 Geographic Eligibility. The Platform is operated for and marketed to players in Indonesia. You represent that your use of the Platform is lawful in your jurisdiction of residence. It is your sole responsibility to ensure compliance with applicable local laws.

3.3 Excluded Persons. The following persons are not eligible to register or use the Platform:

• Persons under the age of 21;
• Employees, directors, officers, agents, or contractors of zan88 or its affiliates, and their immediate family members;
• Persons who have been self-excluded from the Platform pursuant to Clause 9;
• Persons whose Account has been suspended or closed by zan88 for any reason;
• Persons acting on behalf of another individual (proxy play is strictly prohibited).

3.4 Capacity. You represent that you have full legal capacity to enter into a binding agreement, are not under any legal incapacity, and are not using the Platform in a professional capacity on behalf of a third party without prior written consent from zan88.

4.1 One Account Per Member. Each Member is permitted to hold exactly one Account on the Platform. Creating duplicate, multiple, or linked Accounts is strictly prohibited and will result in immediate closure of all associated Accounts and forfeiture of any Balance held therein.

4.2 Accurate Information. You must provide accurate, current, and complete information during registration, including your full legal name, date of birth, residential address in Indonesia, and a valid contact method. You are responsible for maintaining the accuracy of this information and must notify zan88 promptly of any changes.

4.3 Account Security. You are solely responsible for maintaining the confidentiality of your username and password. You must not share your Account credentials with any third party. zan88 will not be liable for any loss or damage arising from unauthorised access to your Account resulting from your failure to safeguard your credentials.

4.4 KYC Verification. zan88 reserves the right to request identity verification documents at any time, including but not limited to:

• Government-issued photo identification (KTP — Kartu Tanda Penduduk, passport, or SIM);
• Proof of address (bank statement, utility bill, or official government correspondence dated within 90 days);
• Proof of payment method ownership (screenshot of BCA, BRI, BNI, Mandiri, or e-wallet account matching the name on the zan88 Account).

4.5 Verification Threshold. KYC documentation must be submitted and approved before any withdrawal exceeding Rp 5.000.000 is processed. zan88 may apply stricter verification requirements at its discretion.

4.6 Account Inactivity. An Account that has not recorded any login activity for a continuous period of 12 months will be classified as inactive. zan88 reserves the right to apply a monthly administrative fee of Rp 50.000 to inactive Accounts. Members will be notified by email prior to any fee being applied.

5.1 Accepted Payment Methods. zan88 accepts deposits and processes withdrawals via the following channels: BCA, BRI, BNI, Bank Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, BSI, GoPay, OVO, DANA, ShopeePay, and LinkAja. All transactions are denominated in Indonesian Rupiah (IDR).

5.2 Minimum Deposit. The minimum deposit amount is Rp 10.000. Deposits below this threshold will not be credited to your Account.

5.3 Minimum Withdrawal. The minimum withdrawal amount is Rp 50.000. Withdrawal requests below this threshold will not be processed.

5.4 Processing Times. zan88 targets the following processing windows for withdrawals:

• Bank transfers (BCA, BRI, BNI, Mandiri, CIMB Niaga): within 15 minutes during business hours (08:00–22:00 WIB); up to 3 hours outside these hours;
• E-wallets (GoPay, OVO, DANA, ShopeePay, LinkAja): within 10 minutes in most cases;
• First-time withdrawals may take up to 24 hours pending KYC review.

5.5 Matching Requirement. Withdrawals must be made to the same payment method and account used for the deposit wherever technically possible. zan88 reserves the right to reject withdrawals to accounts or methods not registered in the Member's verified profile.

5.6 Own Funds Only. You must only deposit funds that belong to you and are free from any encumbrance. zan88 does not accept third-party deposits. If a deposit is identified as originating from an account not belonging to the registered Member, it will be reversed and the Account suspended pending investigation.

5.7 Transaction Fees. zan88 does not charge Members a fee for standard deposits or withdrawals. However, your bank or e-wallet provider may apply their own transfer charges, for which zan88 accepts no responsibility.

6.1 General Bonus Terms. All bonuses, free spins, cashback offers, and promotional credits offered by zan88 are subject to these General Bonus Terms and any additional terms specific to each promotion. In the event of conflict, the promotion-specific terms shall prevail.

6.2 Wagering Requirements. Unless otherwise stated in the applicable promotion, all Bonus Funds are subject to a minimum wagering requirement before withdrawal. The applicable wagering requirement multiplier will be stated clearly in the relevant promotion page. Bonus Funds that have not met the wagering requirement cannot be withdrawn and will be forfeited if a withdrawal of real-money funds is requested while Bonus Funds remain active.

6.3 Game Contribution Rates. Not all games contribute equally to wagering requirements. As a general guide:

• Slot games (including slot gacor high-payout titles): typically 100% contribution;
• Live casino table games (baccarat, blackjack, roulette): typically 10%–20% contribution;
• Sportsbook pre-match bets: contribution rates vary by promotion;
• Progressive jackpot slots: 0% contribution unless stated otherwise.

6.4 One Bonus at a Time. Only one bonus promotion may be active on your Account at any given time. Activating a new bonus while a previous bonus is pending completion of its wagering requirement will result in forfeiture of the previously active bonus.

6.5 Abuse and Fraud. zan88 reserves the right to cancel any bonus, void any winnings derived from that bonus, and close the Account of any Member who is found to have abused the bonus system, including but not limited to: opening multiple Accounts to claim a bonus more than once, using automated betting strategies designed to meet wagering requirements with minimal risk, or coordinating with other Members to achieve guaranteed outcomes.

6.6 Expiry. Bonus Funds not used within the validity period stated in the applicable promotion will expire automatically and be removed from the Account Balance without notice.

7.1 Binding Game Results. All game outcomes displayed on the Platform are final once confirmed by the game server. zan88 does not alter game results retroactively except in the event of a proven Malfunction.

7.2 Malfunction Voids Play. In the event of a Malfunction — including server disconnection, software error, or incorrect odds display — zan88 reserves the right to void all affected bets and refund the original stake to the Member's Account. No claim for winnings arising from a Malfunction will be entertained.

7.3 Sportsbook Bets. All sportsbook wagers, including BRI Liga 1 matches, EPL, La Liga, Serie A, Bundesliga, Champions League, Piala AFF, and Timnas Indonesia fixtures, are governed by zan88's Sportsbook Rules, which form part of these Terms. Mix parlay (accumulator) bets are subject to specific settlement rules detailed in the Sportsbook section.

7.4 Minimum and Maximum Stakes. Minimum and maximum bet limits apply to all games and sportsbook markets. These limits are displayed within each game or market and may be adjusted by zan88 at any time without prior notice.

7.5 Currency. All transactions on the Platform are conducted in Indonesian Rupiah (IDR / Rp). Any amounts displayed in other currencies for informational purposes are subject to conversion rates that may fluctuate.

8.1 The following conduct is strictly prohibited on the Platform and may result in immediate Account suspension, Balance forfeiture, and referral to appropriate authorities:

• Providing false, misleading, or fraudulent registration information;
• Attempting to reverse-engineer, scrape, data-mine, or otherwise extract non-public data from the Platform;
• Using automated software, bots, scripts, or any artificial intelligence tool to place bets or interact with games;
• Colluding with other Members, whether to manipulate game outcomes or to abuse promotional offers;
• Engaging in money laundering, fraud, or any other financial crime using the Platform;
• Exploiting software vulnerabilities, bugs, or Malfunctions to gain an unfair advantage — any winnings obtained through such exploitation will be voided;
• Placing bets on behalf of another person (proxy betting) without express written authorisation from zan88;
• Using the Platform from a jurisdiction where doing so is unlawful.

8.2 zan88 employs advanced fraud detection systems that monitor betting patterns, login behaviour, and transaction activity. We reserve the right to request additional documentation from any Member whose activity triggers a fraud alert, and to withhold withdrawal processing pending investigation.

9.1 zan88 is committed to promoting responsible gaming and providing tools that help Members maintain control over their gambling activity. We encourage all Members to set personal limits and to seek help if gambling is causing financial or personal distress.

9.2 Self-Exclusion. Members may request a self-exclusion period of 1 month, 3 months, 6 months, 12 months, or permanent exclusion by contacting zan88 support at [email protected]. During a self-exclusion period, you will not be permitted to log in, deposit, or place bets. Any existing Balance at the time of self-exclusion will be returned to your registered payment method.

9.3 Deposit Limits. Members may set daily, weekly, or monthly deposit limits via the Account settings. Once a deposit limit is set, it takes effect immediately. Increasing a deposit limit is subject to a 72-hour cooling-off period before the increase becomes effective.

9.4 Session Time-Outs. Members may apply a temporary time-out of 24 hours, 7 days, or 30 days at any time via Account settings. During a time-out, the Account is inaccessible for all gaming activity.

9.5 Age Restriction Enforcement. zan88 enforces a strict 21+ age policy. Any person who has reason to believe that a minor is accessing the Platform using their payment details or Account should contact support immediately. For more information, visit our Responsible Gaming page.

10.1 All content on the Platform — including but not limited to the zan88 brand name, logo, website design, software, game content licensed from third-party studios (Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, Pocket Games Soft, and others), text, graphics, icons, and audiovisual material — is either owned by or licensed to zan88 and is protected by applicable intellectual property laws.

10.2 You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial entertainment purposes only. You must not reproduce, modify, distribute, publicly display, or create derivative works from any Platform content without the prior written consent of zan88.

10.3 Any feedback, suggestions, or ideas submitted to zan88 regarding the Platform may be used by zan88 freely without any obligation of compensation or attribution to you.

11.1 Platform Availability. zan88 does not guarantee uninterrupted, error-free access to the Platform. Scheduled maintenance, emergency downtime, third-party network failures, or force majeure events may temporarily affect availability. zan88 will use reasonable efforts to minimise disruption and to notify Members in advance of planned maintenance where practicable.

11.2 Maximum Liability. To the fullest extent permitted by applicable law, zan88's aggregate liability to any Member for any claim arising out of or in connection with the use of the Platform shall not exceed the total amount deposited by that Member in the 30 days immediately preceding the event giving rise to the claim.

11.3 Exclusion of Consequential Loss. zan88 shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, loss of goodwill, or loss of anticipated savings, arising from the use or inability to use the Platform, whether based in contract, tort, or any other legal theory.

11.4 Third-Party Services. The Platform integrates games and services provided by third-party studios and payment processors. zan88 is not liable for the performance, availability, or conduct of these third parties beyond zan88's direct control.

12.1 zan88 collects, processes, and stores personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By registering an Account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

12.2 zan88 will not sell or rent your personal data to third parties for marketing purposes. Data may be shared with payment processors, KYC verification providers, fraud detection services, and regulatory bodies as required to operate the Platform lawfully and securely.

12.3 For the full details of how zan88 handles your personal information, your rights as a data subject, and how to submit a data access or deletion request, please refer to our Privacy Policy.

13.1 Closure by Member. You may close your Account at any time by contacting zan88 support. Upon closure, any real-money Balance (excluding Bonus Funds that have not met applicable wagering requirements) will be returned to your registered payment method within 5 business days, subject to completion of any pending KYC requirements.

13.2 Closure by zan88. zan88 reserves the right to suspend, restrict, or permanently close any Account at its sole discretion, with or without prior notice, in circumstances including but not limited to: breach of these Terms, suspected fraud or money laundering, provision of false information, Account inactivity, or where required by applicable law or regulation.

13.3 Effect of Termination. Upon termination of an Account, all licences granted under these Terms will immediately cease. zan88's rights to retain records of your Account activity for audit and regulatory compliance purposes will survive termination.

14.1 These Terms & Conditions are governed by and shall be construed in accordance with the laws of the jurisdiction in which zan88 holds its gaming licence. Any dispute arising out of or in connection with these Terms that cannot be resolved by negotiation shall be referred to binding arbitration under internationally recognised arbitration rules.

14.2 zan88 operates internationally and serves players in Indonesia. You acknowledge that online gambling is subject to various legal frameworks in Indonesia and that it is your sole responsibility to ensure that your use of the Platform complies with all applicable laws and regulations in your jurisdiction of residence.

14.3 Nothing in these Terms shall be construed as zan88 representing or warranting that the Platform, or any activity conducted on it, is lawful in your jurisdiction. zan88 accepts no liability for any legal consequences arising from your access to or use of the Platform in jurisdictions where online gambling is restricted or prohibited.

15.1 zan88 reserves the right to amend, update, or replace these Terms & Conditions at any time. Where changes are material, zan88 will provide advance notice via email to your registered address or via a prominent notice on the Platform no less than 7 days before the changes take effect.

15.2 Minor amendments — including typographical corrections, clarifications that do not alter the substance of any clause, and updates required by changes in applicable law — may take effect immediately without advance notice.

15.3 Your continued use of the Platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you must close your Account prior to the effective date of the changes.

16.1 If you have any questions regarding these Terms & Conditions, wish to raise a complaint, or need to contact zan88 for any reason, please reach our support team through the following channel:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 via the zan88 Platform, staffed by Indonesian-speaking agents
• Support Hours: 24 hours a day, 7 days a week, 365 days a year, including all Indonesian national holidays

16.2 Complaints will be acknowledged within 24 hours and resolved within 5 business days wherever possible. If you are dissatisfied with the outcome of a complaint, you may escalate the matter to zan88's licensing authority using the contact details provided in your licence disclosure.