koi88Terms of Use

When you open an account on koi88, you agree to the terms that govern how we operate our platform, how you use our services, and what happens if disputes arise. We set out these terms clearly so there are no surprises—our goal is to run a transparent service where both koi88 and our members understand their rights and responsibilities.

Our terms cover account opening, deposits and withdrawals, how we handle your data, what happens if you breach our rules, and how we settle disputes. We also explain the jurisdiction-restricted nature of our service—koi88 operates only in jurisdictions where local law permits online gaming and sportsbook activity. If you're in a region where our services are prohibited, you cannot use koi88.

This page outlines the key terms. If you have specific questions about how a rule applies to your account or situation, our support team can clarify during business hours via live chat, email, or in-app help.

Account Opening and Eligibility

To open an account on koi88, you must be of legal age in your jurisdiction and not prohibited by local law from using online gaming or sportsbook services. We require a valid national ID, phone number, and home address during registration. This information is used for identity verification (KYC) and to process deposits and withdrawals.

We verify your identity before you can deposit funds or participate in any games—slots (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways), live dealer tables (blackjack, roulette, baccarat, Dragon Tiger), sportsbook markets (Liga 1, Piala AFF, Champions League, Premier League, MotoGP, badminton), or esports (Mobile Legends, Free Fire, PUBG Mobile). If your KYC documents are incomplete or unclear, we'll ask you to resubmit. Verification typically completes within one business day.

You are responsible for keeping your login credentials confidential. If you believe your account has been compromised, contact our support team immediately. We will not be liable for unauthorized access if you have shared your password or failed to secure your account.

Deposits, Withdrawals, and Payment Methods

We accept deposits via DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, and direct bank transfers (mobile banking, local payment, online payment, e-wallet). Deposits are processed immediately for most payment methods. Your account balance reflects your deposit once it clears.

Withdrawals are processed to the same payment method you used to deposit. If you deposited via mobile banking, your withdrawal returns to that local payment account. Bank transfers route to the account holder listed in your KYC documents. We process withdrawal requests within defined windows—standard processing takes 1–3 business days depending on your bank and payment provider. During peak periods (holidays like Idul Fitri or Idul Adha), processing may take longer.

We reserve the right to decline a withdrawal if we suspect fraud, if your account has not completed KYC verification, or if the withdrawal amount exceeds limits we set for your account tier. If a withdrawal is declined, we will notify you and explain the reason. You can resubmit once the issue is resolved.

Our terms exist to protect both koi88 and our members—clarity on rules and processes prevents disputes and keeps accounts secure.

Game Rules and Settlement

Each game category on koi88 has specific rules. Slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways) settle based on the outcome of each spin. Live dealer games settle when the dealer closes the round. Sportsbook bets settle when the match or event concludes according to official results.

If you believe a bet has settled incorrectly, you can submit a dispute through in-app help with your bet ID and match or game ID. We review disputes against official records and respond within 48 hours. If we find an error, we correct your account balance immediately.

We do not offer refunds on losing bets. Once a game settles or a match concludes, the outcome is final unless we identify a technical error on our platform.

Our koi88 Policy on Conduct and Disputes

We reserve the right to suspend or close your account if we detect abuse, fraud, collusion with other players, or violation of these terms. Abuse includes but is not limited to: using automated tools to play games, exploiting technical glitches, creating multiple accounts to circumvent limits, or engaging in money laundering.

If we close your account due to violation, we will notify you and explain the reason. You may request a review of the decision through our support team. If the review confirms the violation, your account remains closed and any remaining balance is forfeited.

Jurisdiction Notice

koi88 services are available only where local law permits. We do not offer our services in jurisdictions where online gaming or sportsbook activity is prohibited. Users are responsible for verifying that access and use comply with their own jurisdiction's law.

Data Protection

We protect your personal data using industry-standard encryption and security practices. Your data is used only for account management, KYC verification, payment processing, and compliance with local regulations.

Dispute Resolution

Disputes are resolved through our support team first. If you remain unsatisfied, you may escalate to our management team. We aim to resolve all disputes within 30 days.

Limitation of Liability

koi88 is not liable for indirect or consequential losses arising from your use of our platform, including lost winnings or opportunity costs.

Changes to These Terms

We may update these terms at any time. Changes take effect when we publish them on this page. Continued use of koi88 after changes are published means you accept the updated terms. If you do not agree with changes, you may close your account.

Our support team is available during business hours to answer questions about these terms. Whether you're in Jakarta, Surabaya, Bandung, Medan, or Semarang, you can reach us via live chat, email, or in-app help. We respond in English and regional languages. If you have concerns about how koi88 operates or how these terms apply to your account, contact us—we're here to clarify and help resolve issues fairly.