Terms & Conditions

1. Introduction and Acceptance of Terms

Welcome to raf88, an online gaming platform operated under international licensing. These Terms and Conditions (the "Terms") constitute a legally binding agreement between you (the "User," "you," or "your") and raf88 (the "Platform," "we," "us," or "our"). By registering for an account, accessing the website, or using any of our services including casino games, sports betting, togel (Indonesia's traditional numbers lottery), and live dealer games, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

If you do not agree with any provision of these Terms, you must immediately cease using raf88 services and refrain from creating an account. We reserve the right to modify, update, or amend these Terms at any time without prior notice. Your continued use of the platform following any changes constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically to stay informed of any updates.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• "Account" refers to the unique user profile created when you register with raf88, including your username, password, personal information, and transaction history.
• "Services" refers to all gaming products offered on the platform, including but not limited to casino games (slots, table games, video poker), live dealer games, sports betting, esports betting, and togel lottery draws.
• "Funds" refers to the monetary balance in your account, including deposits, winnings, bonuses, and any other credits.
• "Bonus" refers to promotional credits, free bets, cashback, or other incentives offered by raf88, subject to specific terms and wagering requirements.
• "KYC" (Know Your Customer) refers to the identity verification process required to comply with anti-money laundering regulations and age verification requirements.
• "WIB" (Western Indonesia Time) refers to UTC+7 time zone, the default time reference for customer support hours, draw times, and promotional periods.

3. Eligibility Requirements

To use raf88 services, you must meet the following eligibility criteria:

• Age Requirement: You must be at least 21 years of age. raf88 strictly enforces this age restriction and conducts mandatory identity verification on all accounts. Providing false information regarding your age is a serious violation and will result in immediate account termination and forfeiture of all funds.
• Legal Capacity: You must have the legal capacity to enter into a binding contract under the laws of your jurisdiction. If you are registering on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.
• Jurisdictional Compliance: You acknowledge that online gambling laws in Indonesia are complex and that raf88 operates under international licensing rather than Indonesian regulatory approval. You are solely responsible for ensuring that your use of raf88 services complies with applicable local laws in your place of residence.
• Prohibited Jurisdictions: You must not be a resident of, or accessing the platform from, any jurisdiction where online gambling is explicitly prohibited by law. raf88 reserves the right to restrict access from certain countries or regions at its sole discretion.
• Self-Exclusion Lists: You must not be registered on any national or international gambling self-exclusion lists or banned from gambling by court order.

4. Account Registration and Security

4.1 Account Creation

To access raf88 services, you must create an account by providing accurate and complete information, including your full legal name, date of birth, email address, phone number, and residential address. All information provided must be truthful, current, and verifiable. You may only register one account per person—multiple accounts belonging to the same individual are strictly prohibited and will result in account suspension and fund forfeiture.

4.2 Identity Verification (KYC)

raf88 conducts mandatory Know Your Customer (KYC) verification on all accounts to prevent underage gambling, identity fraud, and money laundering. You will be required to submit the following documents:

• A clear, legible copy of your Indonesian National ID Card (KTP) showing your full name, date of birth, photograph, and ID number
• A recent utility bill, bank statement, or government-issued document (dated within the last 3 months) confirming your residential address
• A selfie photograph of yourself holding your ID card next to your face for identity confirmation

Verification typically takes 1-24 hours. While you may deposit and play immediately after registration, withdrawal access requires completed KYC verification. Failure to provide requested documents within 30 days may result in account suspension.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials (username and password). You must not share your login information with any third party. If you suspect unauthorized access to your account, you must notify raf88 customer support immediately via live chat or email. raf88 is not liable for any losses resulting from unauthorized account access due to your failure to safeguard your credentials.

5. Deposits and Withdrawals

5.1 Deposits

raf88 supports deposits through major Indonesian banks (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon) and e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja). Minimum deposit amounts vary by payment method (typically Rp 25,000 - Rp 50,000). Deposits are processed instantly or within 15 minutes depending on the method. raf88 does not charge deposit fees, though your bank or payment provider may impose transaction charges.

5.2 Withdrawals

Withdrawal requests are processed within 15 minutes to 24 hours depending on the amount and verification status. Larger withdrawals (above Rp 10,000,000) may require additional security verification and take up to 48 hours. Withdrawals are only permitted to bank accounts or e-wallets registered in your name matching your verified KYC identity. Third-party withdrawals are strictly prohibited.

5.3 Anti-Money Laundering (AML) Policy

To comply with international AML regulations, all deposits must be wagered at least once before withdrawal. For example, if you deposit Rp 1,000,000, you must place at least Rp 1,000,000 in total bets before withdrawing. This policy prevents the platform from being used for money laundering or currency exchange purposes. raf88 reserves the right to request additional documentation for large or suspicious transactions.

6. Bonuses and Promotions

raf88 offers various bonuses and promotions including welcome bonuses, reload bonuses, cashback, and VIP rewards. All bonuses are subject to specific terms and conditions including wagering requirements (also known as rollover or playthrough requirements). For example, a 100% welcome bonus up to Rp 2,000,000 with a 30x wagering requirement means you must wager Rp 60,000,000 (30 times the bonus amount) before the bonus funds and any winnings derived from them become withdrawable.

Bonus terms vary by promotion and are clearly stated on the promotional page. Key conditions typically include:

• Minimum deposit requirements to qualify for the bonus
• Maximum bonus amounts
• Wagering contribution percentages by game type (slots typically contribute 100%, table games may contribute 10-20%, some games may be excluded)
• Maximum bet limits while playing with bonus funds (e.g., Rp 50,000 per spin/bet)
• Validity periods (bonuses typically expire 7-30 days after activation)

raf88 reserves the right to void bonuses and associated winnings if bonus abuse is detected, including but not limited to: opening multiple accounts to claim bonuses repeatedly, colluding with other players, using betting strategies designed to exploit bonus terms with minimal risk, or any other fraudulent or abusive behavior.

7. Game Rules and Fair Play

All games on raf88 are provided by licensed third-party developers whose Random Number Generator (RNG) systems are independently audited to ensure fairness and randomness. Return to Player (RTP) percentages are displayed transparently for each game. raf88 does not manipulate game outcomes and has no control over individual results.

Prohibited activities include:

• Using automated software, bots, or scripts to place bets or play games
• Exploiting software bugs or vulnerabilities for unfair advantage
• Collusion with other players in multiplayer games or poker tables
• Reverse engineering or attempting to manipulate game software
• Engaging in arbitrage betting or other risk-free betting strategies across multiple platforms

raf88 employs sophisticated fraud detection systems and reserves the right to investigate suspicious betting patterns. Accounts found in violation of fair play rules will be suspended, and all associated funds may be forfeited.

8. Responsible Gaming and Self-Exclusion

raf88 is committed to promoting responsible gaming and protecting vulnerable players. We provide comprehensive tools to help you stay in control of your gaming activity, including:

• Deposit Limits: Set daily, weekly, or monthly limits on how much you can deposit
• Loss Limits: Cap your net losses over specified periods
• Session Time Limits: Restrict continuous playing time with automatic logout
• Self-Exclusion: Temporarily or permanently block access to your account for periods ranging from 24 hours to 6 months or indefinitely

If you feel that gambling is becoming a problem, please contact our support team immediately or visit our Responsible Gaming page for guidance and support resources. Remember: gambling should be entertainment, not a way to make money or solve financial problems.

9. Account Suspension and Termination

raf88 reserves the right to suspend or terminate your account at any time for violations of these Terms, including but not limited to:

• Providing false or fraudulent information during registration or KYC verification
• Creating multiple accounts or allowing others to use your account
• Engaging in bonus abuse, collusion, or other fraudulent activities
• Violating fair play rules or using prohibited software
• Chargebacks or payment disputes initiated maliciously
• Abusive behavior toward customer support staff or other players

Upon termination, any remaining balance in your account (excluding bonus funds and winnings derived from violations) will be returned to you after deducting any outstanding fees or charges. However, if the termination is due to fraudulent activity, raf88 reserves the right to forfeit all funds and pursue legal action.

10. Intellectual Property

All content on the raf88 platform, including but not limited to logos, trademarks, text, graphics, software, and design elements, is the intellectual property of raf88 or its licensors and is protected by international copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on the platform without explicit written permission.

11. Limitation of Liability

To the fullest extent permitted by law, raf88 and its affiliates, directors, employees, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use or inability to use the platform or services
• Technical failures, server downtime, or connectivity issues
• Unauthorized access to your account due to your failure to protect your credentials
• Errors or inaccuracies in game software provided by third-party developers
• Any disputes with other players or third parties

In no event shall raf88's total liability to you exceed the amount of funds in your account at the time of the claim.

12. Dispute Resolution and Governing Law

These Terms are governed by international gaming law and the laws of the jurisdiction under which raf88 operates. Any disputes arising from these Terms or your use of raf88 services shall first be attempted to be resolved through good-faith negotiation with our customer support team. If a dispute cannot be resolved amicably within 30 days, it shall be submitted to binding arbitration in accordance with international arbitration rules.

You agree to waive any right to participate in class-action lawsuits or class-wide arbitration against raf88.

13. Miscellaneous Provisions

13.1 Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

13.2 Force Majeure

raf88 shall not be liable for any failure or delay in performing its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to natural disasters, war, terrorism, government actions, technical failures, or internet service provider issues.

13.3 Assignment

You may not assign or transfer your rights or obligations under these Terms to any third party. raf88 may assign these Terms or any rights hereunder without your consent.

13.4 Entire Agreement

These Terms, together with our Privacy Policy and Responsible Gaming Policy, constitute the entire agreement between you and raf88 and supersede any prior agreements or understandings, whether written or oral.

14. Contact Information

If you have any questions, concerns, or disputes regarding these Terms & Conditions, please contact our customer support team:

• Email: [email protected] (response within 24 hours)
• Live Chat: Available 24/7 through the website
• Support Hours: 24 hours a day, 7 days a week (WIB timezone)

Our Indonesian-speaking support team is ready to assist you with any questions about these Terms, your account, or our services.