Terms and Conditions SMB88
— Complete Platform Usage Guide

In these Terms and Conditions, the following words and phrases carry the meanings stated unless the context requires otherwise:

• "Platform" — refers to the smb88.pro website, mobile app, software, and all digital services operated by SMB88.
• "Member" — refers to any individual who has registered and holds an active account at SMB88.
• "Account Balance" — refers to the total funds available in a member's account for use in wagering activities.
• "Bonus" — refers to any free credits, free spins, cashback, or other incentives granted by SMB88 to members.
• "Withdrawal" — refers to the process of transferring funds from a member's SMB88 account to their bank account or e-wallet.
• "KYC" — refers to the Know Your Customer (KYC) process involving verification of a member's identity.

This agreement covers all activities carried out by members on the SMB88 platform, including but not limited to account registration, deposits, withdrawals, participation in games, claiming bonuses, and communication with our support team.

To register and use SMB88 services, you must meet all of the following eligibility requirements at all times:

• You are at least 18 years old at the time of registration and while using the platform.
• You are registering voluntarily in your own personal capacity, and not on behalf of any company or other entity.
• You are not listed on any active self-exclusion programme.
• You are not located in a jurisdiction where online gaming activities are prohibited.
• The information you provided during registration is true, accurate, and up to date.
• You do not have any other active SMB88 account previously registered.

The SMB88 account registration process is straightforward and can be completed in under 3 minutes. However, there are several important rules regarding account management that all members must follow:

• Each individual is only permitted to own one (1) account only. Registering a second or multiple accounts is a serious violation of these terms.
• Members are solely responsible for maintaining the confidentiality of their password and account login details.
• All activity that occurs under your account is your responsibility, whether or not you authorized it.
• Members must notify SMB88 immediately if there is any unauthorised access to their account.
• SMB88 reserves the right to request KYC documents at any time for identity verification and legal compliance purposes.
• Accounts inactive for more than 12 consecutive months may be subject to a monthly administrative fee.

The KYC process requires members to submit a valid identity document (such as a national ID or passport) along with proof of current address. All documents are processed securely and kept strictly confidential by the SMB88 KYC team.

SMB88 supports a variety of local payment methods that are safe and convenient for players in Malaysia, including FPX, DuitNow, Touch 'n Go eWallet, and GrabPay. All financial transactions are subject to the following rules:

Deposit:

• Minimum deposit is RM 30 for most payment methods.
• Deposit funds may only be transferred from a bank account or e-wallet registered in the member's own name.
• SMB88 does not accept third-party deposits under any circumstances.
• Deposits are typically credited to your account within 1 to 5 minutes after payment confirmation.

Withdrawal:

• Minimum withdrawal is RM 50 per transaction.
• Withdrawals will only be processed to a verified bank account or e-wallet registered in the member's name.
• Withdrawal processing time is between 5 and 15 minutes once the request has been approved.
• Withdrawals requiring further review may take up to 24 hours in certain cases.
• SMB88 reserves the right to withhold withdrawals until the KYC process has been fully completed.

SMB88 offers a wide range of exciting bonuses and promotions to reward our members' loyalty. All bonuses are subject to the wagering requirements specified and clearly stated on each promotional offer. The following general principles apply to all SMB88 bonuses:

• Wagering requirements will be stated as a multiplier (e.g., 20x) of the bonus amount received.
• Bonuses may only be claimed once per offer unless otherwise stated.
• Bonus funds and real funds may be kept separately until wagering requirements are met.
• SMB88 reserves the right to cancel any bonus claimed through fraudulent means or abuse of the promotions system.
• Unused bonuses will expire automatically at the end of the specified validity period without further notice.
• Some games may not count, or may only partially count, toward fulfilling bonus wagering requirements.
• Members may only claim one welcome bonus for the lifetime of their account.

SMB88 strictly prohibits bonus abuse, including but not limited to: arbitrage betting, using multiple accounts to claim the same bonus, or using automated software to exploit promotional offers. Such violations will result in the cancellation of all related bonuses and possible account termination.

SMB88 is committed to providing a fair, safe, and enjoyable gaming environment for all members. All games on our platform use a Random Number Generator (RNG) that has been audited and certified by independent international bodies to ensure the fairness of every game outcome.

• Every game outcome is fully random and cannot be manipulated by any party, including SMB88 itself.
• The specific rules for each game are stated in the respective game's help section and should be read before playing.
• Any winnings resulting from technical bugs, system failures, or software errors are invalid and will not be paid out.
• Members are not permitted to use any assistance software, automated bots, or other tools to gain an unfair advantage in games.
• In the event of a dispute regarding game results, SMB88's server records are final and binding.

For Live Casino games, members are required to conduct themselves respectfully towards all parties, including dealers, staff, and other members. Inappropriate behaviour such as profanity, threats, or harassment of other members may result in immediate suspension from the game.

SMB88 maintains a zero-tolerance policy against any form of fraud, abuse, or unethical behaviour on our platform. The following activities are strictly prohibited:

• Registering or using multiple accounts for any purpose, including repeatedly claiming bonuses.
• Using a false identity, forged documents, or another person's information during registration or KYC.
• Conducting suspicious deposit or withdrawal transactions that may be linked to money laundering activities.
• Attempting to hack, infiltrate, or disrupt the security systems of the SMB88 platform.
• Colluding with other players to manipulate game outcomes or exploit system vulnerabilities.
• Threatening, insulting, or harassing SMB88 staff or other members through any communication channel.
• Spreading false information about SMB88 or its services to the public.

SMB88 takes member data privacy and security seriously. Our platform uses 256-bit SSL encryption to protect all communications between your browser and our servers. The collection and use of your personal data is governed by our separate Privacy Policy; however, the following key principles apply within the context of these Terms and Conditions:

• Your personal data is collected only for necessary purposes, including account verification, transaction processing, and service improvement.
• SMB88 will not sell or rent your personal data to third parties for marketing purposes.
• Your data may be shared with trusted third parties (such as payment processors) solely to enable our services to function.
• You have the right to request access, correction, or deletion of your personal data, subject to applicable legal and compliance requirements.
• Members are responsible for ensuring their password is strong and not shared with anyone.

For more information on how SMB88 handles your personal data, please refer to Privacy Policy in full.

An SMB88 account may be terminated or suspended under the following circumstances:

• At member's request — Members may request account closure at any time by contacting SMB88 customer support.
• Terms Violation — SMB88 reserves the right to terminate an account without prior notice if a member breaches any provision of this document.
• Verification Failed — Accounts that are unable to complete the KYC process within the stipulated period may be suspended.
• Suspicious activity — Accounts showing signs of fraudulent activity or money laundering will be suspended immediately while an investigation is conducted.
• Responsible gaming — Members who apply for self-exclusion will have their accounts terminated according to the option requested.

When an account is terminated at the member's request or for reasons not involving fraud, any remaining balance (after deducting any bonus with unfulfilled wagering requirements) will be returned to the member within 3 to 5 business days.

SMB88 provides its platform and services on an "as is" and "as available" basis. While we strive to ensure the platform operates seamlessly at all times, there are certain liability limitations that all members should be aware of:

• SMB88 is not liable for any losses caused by service disruptions, system maintenance, or technical failures beyond our control.
• SMB88 is not liable for any losses resulting from poor internet connectivity or issues with a member's device.
• Game results recorded by SMB88's servers are final in all cases of technical dispute.
• SMB88's maximum liability to any member is limited to the total deposits made by that member in the 30 days preceding the claim.

Gambling involves financial risk. SMB88 encourages all members to play responsibly and only wager money they can afford to lose. For more information, visit Responsible Gaming page us.

SMB88 reserves the right to amend, update, or replace any part of these Terms and Conditions at any time at our sole discretion. Such amendments will take effect immediately upon publication on the official SMB88 website.

• Members will be notified of material amendments via their registered email or in-platform notification.
• Continued use of the SMB88 platform after the effective date of any amendment constitutes acceptance of the revised terms.
• The date of the last update will always be stated at the top of this document for members' reference.
• If you do not agree with the amendments made, you have the right to terminate your account before the effective date of the amendments.

These Terms and Conditions are governed by and interpreted in accordance with the laws and regulations applicable in SMB88's operating jurisdiction. Any dispute arising from or in connection with this agreement shall be resolved through the following process:

• Step 1 — Direct Negotiation: Members are requested to contact the SMB88 support team first to resolve disputes amicably.
• Step 2 — Internal Review: If a resolution is not reached within 7 business days, the dispute will be escalated to SMB88 management for further review.
• Step 3 — Arbitration: If the matter remains unresolved, the dispute will be referred to a recognized independent arbitration body for a final decision.

Members agree that any legal action against SMB88 must be filed within one (1) year from the date of the incident giving rise to the claim. Claims filed after this period will not be entertained.