Terms & Conditions

1. Acceptance of Terms

Welcome to iyawin. These Terms and Conditions ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "Player", "You") and iyawin ("we", "us", "our", "the Platform") governing your access to and use of the iyawin website, mobile applications, and all related services (collectively, the "Services").

By registering an account, accessing the Platform, placing bets, playing games, or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference. If you do not agree with any part of these Terms, you must immediately cease using the Platform and refrain from creating an account.

We reserve the right to modify, amend, or update these Terms at any time without prior notice. Continued use of the Services after such changes constitutes your 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" means the personal account created by a User to access and use the iyawin Services.
• "Bet" means a wager placed by a User on a sporting event, casino game, or other gaming product offered on the Platform.
• "Bonus" means promotional credits, free spins, or other promotional offers provided by iyawin to Users, subject to specific terms and wagering requirements.
• "Deposit" means the transfer of funds from a User's personal payment method into their iyawin Account for the purpose of placing bets or playing games.
• "Indonesian Rupiah (IDR)" or "Rp" means the official currency of Indonesia and the primary currency used on the iyawin Platform.
• "KYC" (Know Your Customer) means the identity verification process required to comply with anti-money laundering regulations and responsible gaming standards.
• "RTP" (Return to Player) means the theoretical percentage of wagered money that a game will return to players over time.
• "Withdrawal" means the transfer of funds from a User's iyawin Account balance to their personal payment method.

3. Eligibility and Account Registration

3.1 Age and Residency Requirements

To create an account and use iyawin Services, you must meet the following eligibility requirements:

• You must be at least 21 years of age or the legal gambling age in your jurisdiction, whichever is higher.
• You must be a resident of Indonesia or a jurisdiction where online gambling is legal and regulated.
• You must not be located in a jurisdiction where online gambling is prohibited or restricted by law.
• You must not be self-excluded from gambling activities or registered on any national or international gambling exclusion list.

3.2 Account Registration Process

When registering an account with iyawin, you agree to:

• Provide accurate, current, and complete information including your full legal name, date of birth, residential address, email address, and phone number.
• Maintain and promptly update your account information to keep it accurate and current.
• Create only one account per person. Multiple accounts (also known as "duplicate accounts") are strictly prohibited and may result in account suspension and forfeiture of funds.
• Use your own personal information only. Accounts created using false, borrowed, or third-party information will be immediately terminated.
• Choose a strong password and keep your account credentials confidential at all times.

3.3 Account Restrictions

iyawin reserves the right to refuse service, decline registration, suspend accounts, or terminate accounts at our sole discretion for any reason, including but not limited to:

• Failure to meet eligibility requirements
• Provision of false or misleading information during registration
• Violation of these Terms or any applicable law
• Suspected fraudulent activity, money laundering, or collusion
• Abuse of bonuses or promotional offers
• Exhibiting signs of problem gambling behavior

4. Account Security and Verification

4.1 Your Security Responsibilities

You are fully responsible for maintaining the confidentiality and security of your account credentials, including your username and password. You agree to:

• Never share your account credentials with any third party
• Notify iyawin immediately if you suspect unauthorized access to your account
• Log out of your account after each session, especially when using shared or public computers
• Enable two-factor authentication (2FA) when available for enhanced security

You are liable for all activities conducted through your account, whether authorized by you or not. iyawin is not responsible for any losses resulting from unauthorized use of your account due to your failure to maintain security.

4.2 Identity Verification (KYC)

To comply with international anti-money laundering regulations and responsible gaming standards, iyawin requires all users to complete identity verification. You may be asked to provide:

• Valid government-issued photo identification (Indonesian KTP, passport, or driver's license)
• Proof of address (utility bill, bank statement, or government correspondence dated within the last 3 months)
• Proof of payment method (bank statement, e-wallet screenshot, or credit card photo with middle digits obscured)
• Source of funds documentation for large deposits or withdrawals

Verification may be required at account registration, before your first withdrawal, or at any time iyawin deems necessary. Failure to provide requested documentation within a reasonable timeframe may result in account suspension and withholding of withdrawals until verification is completed.

5. Deposits and Payment Methods

5.1 Accepted Payment Methods

iyawin accepts deposits via the following Indonesian payment methods:

• Indonesian bank transfers: BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), Mandiri, CIMB Niaga, OCBC NISP, Bank Syariah Indonesia (BSI), Bank Permata
• E-wallets: OVO, DANA, GoPay, ShopeePay, LinkAja
• Other payment methods as made available from time to time

5.2 Deposit Terms

When making deposits to your iyawin account, the following terms apply:

• All deposits must be made in Indonesian Rupiah (IDR).
• Minimum deposit amounts vary by payment method, typically ranging from Rp 50,000 to Rp 100,000.
• Maximum deposit limits may apply based on payment method, account verification status, and responsible gaming settings.
• Deposits are typically credited to your account within 5-15 minutes, though processing times may vary based on the payment provider.
• You may only deposit funds from payment methods registered in your own name. Third-party deposits are strictly prohibited.
• iyawin does not charge fees for deposits, though your payment provider may impose transaction fees.

5.3 Anti-Money Laundering Compliance

iyawin maintains strict anti-money laundering (AML) policies. You agree that:

• All deposited funds must be from legitimate sources and legally belong to you.
• You will not use iyawin for money laundering purposes or to transfer funds between accounts.
• Deposits must be wagered at least once before withdrawal to prevent money laundering activities.
• iyawin reserves the right to conduct enhanced due diligence for large or unusual transactions.
• Suspicious activity may be reported to relevant financial crime authorities.

6. Withdrawals and Processing

6.1 Withdrawal Terms

When requesting withdrawals from your iyawin account, the following terms apply:

• Withdrawals must be made to the same payment method used for deposits whenever possible.
• Minimum withdrawal amount is typically Rp 100,000.
• Maximum withdrawal limits may apply based on account verification level and VIP status.
• Your account must be fully verified (KYC completed) before your first withdrawal can be processed.
• All bonus wagering requirements must be completed before bonus funds can be withdrawn.
• iyawin aims to process withdrawals within 5-15 minutes during banking hours, though processing times may extend to 24-48 hours for enhanced verification or during peak periods.

6.2 Withdrawal Restrictions

iyawin reserves the right to decline or delay withdrawal requests in the following circumstances:

• Incomplete or pending identity verification
• Active bonus with unfulfilled wagering requirements
• Suspected fraudulent activity or terms violations
• Technical issues with payment providers
• Ongoing investigations into account activity

6.3 Fees and Processing Times

iyawin does not charge fees for standard withdrawals. However, your payment provider may impose receiving fees. Withdrawal processing times vary:

• E-wallets (OVO, DANA, GoPay): 5-30 minutes
• Indonesian bank transfers: 15 minutes to 24 hours
• Large withdrawals requiring enhanced verification: up to 72 hours

7. Bonuses and Promotions

7.1 General Bonus Terms

iyawin offers various bonuses and promotional offers to enhance your gaming experience. All bonuses are subject to the following general terms:

• Bonuses are intended for recreational players and are limited to one per person, household, IP address, and payment method.
• Bonus abuse, including creating multiple accounts to claim bonuses multiple times, is strictly prohibited and will result in forfeiture of bonuses and potential account termination.
• All bonuses are subject to wagering requirements before funds can be withdrawn. Wagering requirements typically range from 20x to 35x the bonus amount.
• Not all games contribute equally to wagering requirements. Slots typically contribute 100%, while table games may contribute 10-20%, and live dealer games may contribute 10%.
• Maximum bet limits apply while a bonus is active, typically Rp 25,000 per bet or spin.
• Bonuses may have expiration dates and must be used within the specified validity period.
• iyawin reserves the right to void bonuses and any associated winnings if terms are violated.

7.2 Specific Bonus Types

Common bonus types offered by iyawin include:

• Welcome Bonus: Deposit match bonuses for new players, typically 100-150% up to Rp 1,500,000-2,000,000 with 30x wagering requirements.
• Reload Bonuses: Weekly or monthly deposit bonuses for existing players, typically 25-50% match with 25x wagering.
• Free Spins: Complimentary spins on selected slot games with 35x wagering on winnings.
• Cashback: Percentage refund on net losses over a specified period, typically 5-15% with lower wagering requirements.
• Referral Bonuses: Rewards for referring friends who create accounts and make qualifying deposits.

7.3 Bonus Cancellation

You may cancel an active bonus at any time through your account settings. Upon cancellation, the bonus amount and any winnings generated from the bonus will be forfeited, and only your original deposit (if any) will remain in your account.

8. Betting Rules and Game Play

8.1 Sports Betting Rules

When placing sports bets on iyawin, the following rules apply:

• All bets are final once confirmed and cannot be cancelled or modified.
• iyawin reserves the right to void bets placed after an event has started or if incorrect odds were displayed due to technical error.
• Settlement of bets is based on official results published by the relevant sports governing body.
• Asian handicap, over/under, and other specialized bet types follow standard market rules as published on our platform.
• Maximum payout limits apply to all bets and parlays.

8.2 Casino Games

Casino games on iyawin operate under the following terms:

• All slot games and table games use certified Random Number Generators (RNG) tested by independent laboratories for fairness.
• Published RTP (Return to Player) percentages are theoretical long-term statistics and do not guarantee individual results.
• Live dealer games are subject to the dealer's decisions and the rules of the specific game variant being played.
• Disconnections during gameplay are handled according to the specific game's disconnection policy, typically by completing the game round automatically.

8.3 Game Malfunctions

In the event of a game malfunction, software error, or incorrect payout:

• All affected bets and payouts are void.
• Stakes will be returned to affected players.
• iyawin is not liable for losses resulting from technical malfunctions beyond our control.
• Players should report suspected malfunctions to customer support immediately.

9. Prohibited Activities

The following activities are strictly prohibited on the iyawin platform and will result in account termination and forfeiture of funds:

• Fraud and Cheating: Use of bots, automated systems, collusion with other players, exploitation of software bugs, or any form of cheating.
• Multiple Accounts: Creating more than one account to abuse bonuses or circumvent restrictions.
• Money Laundering: Using iyawin to transfer funds, launder money, or conduct any illegal financial activity.
• Underage Gambling: Allowing minors to access or use your account, or providing false age information.
• Unauthorized Access: Accessing another user's account or attempting to breach platform security.
• Abusive Behavior: Harassment, threats, or abusive language toward other players or staff members.
• Arbitrage Betting: Placing bets on all possible outcomes of an event across different platforms to guarantee profit.
• Syndicate Play: Operating as part of a betting syndicate or organized group without prior authorization.

10. Responsible Gaming

iyawin is committed to promoting responsible gaming and protecting vulnerable players. We provide tools and resources to help you maintain control over your gambling activities:

10.1 Self-Exclusion and Limits

• Deposit Limits: Set daily, weekly, or monthly deposit limits through your account settings.
• Loss Limits: Set maximum loss amounts for specific time periods.
• Session Time Limits: Set maximum gaming session durations with automatic logout.
• Cooling-Off Periods: Temporarily suspend your account for 24 hours, 7 days, or 30 days.
• Self-Exclusion: Permanently close your account for a minimum of 6 months, with no option to reopen during the exclusion period.

10.2 Problem Gambling Support

If you believe you or someone you know has a gambling problem, please seek help immediately. Warning signs include:

• Gambling with money you cannot afford to lose
• Chasing losses by depositing more after significant losses
• Lying to family or friends about gambling activities
• Neglecting work, school, or personal responsibilities due to gambling
• Borrowing money to gamble or to cover gambling losses

For detailed information and support resources, please visit our Responsible Gaming page or contact our support team at any time.

11. Limitation of Liability

To the fullest extent permitted by applicable law, iyawin and its affiliates, directors, employees, and agents shall not be liable for:

• Any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Platform.
• Loss of profits, revenue, data, or business opportunities.
• Technical malfunctions, server downtime, or interruptions in service.
• Errors or inaccuracies in game outcomes, odds, or payouts caused by software defects.
• Unauthorized access to your account resulting from your failure to maintain security.
• Actions of third-party payment processors or service providers.
• Loss of funds due to your violation of these Terms.

In any event, iyawin's total liability to you for all claims arising from your use of the Services shall not exceed the amount of deposits made to your account during the 12 months preceding the claim.

12. Dispute Resolution

12.1 Internal Complaint Process

If you have a complaint or dispute regarding any aspect of iyawin's services, you must first attempt to resolve it through our internal complaint process:

1. Contact our customer support team via live chat, email, or WhatsApp with detailed information about your complaint.
2. Our support team will investigate and respond within 48 hours for most issues.
3. If the matter is not resolved to your satisfaction, you may escalate it to our Complaints Department by emailing [email protected] with "COMPLAINT" in the subject line.
4. Our Complaints Department will conduct a thorough review and provide a final decision within 7-14 business days.

12.2 Arbitration

If the internal complaint process does not resolve your dispute, you agree to submit the matter to binding arbitration in accordance with the arbitration laws of the jurisdiction where iyawin is licensed. You waive your right to participate in class action lawsuits or class-wide arbitration.

13. Governing Law and Jurisdiction

These Terms and your use of iyawin Services are governed by and construed in accordance with international gaming law and the laws of the jurisdiction where iyawin operates, without regard to conflict of law principles.

Any legal action or proceeding arising from these Terms shall be brought exclusively in the courts of the jurisdiction where iyawin is licensed, and you consent to the personal jurisdiction and venue of such courts.

For Indonesian residents, these Terms are provided in English with the understanding that you have sufficient English language proficiency to understand the rights and obligations contained herein.

14. Changes to Terms

iyawin reserves the right to modify, amend, or update these Terms at any time at our sole discretion. Changes may be necessary due to:

• Changes in applicable laws or regulations
• Introduction of new products, services, or features
• Improvements to security, responsible gaming, or user experience
• Clarification of existing terms or correction of errors

When significant changes are made, we will notify you via email or prominent notice on the Platform. The "Last Updated" date at the top of this page will be revised to reflect the most recent changes.

Your continued use of iyawin Services after changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree with any changes, you must stop using the Platform and close your account.

15. Contact Information

If you have any questions, concerns, or feedback regarding these Terms & Conditions, please contact us:

• Email: [email protected]
• Live Chat: Available 24/7 on our website and mobile app
• WhatsApp: +62-812-3456-7890

We are committed to providing clear, transparent communication and will respond to all inquiries as promptly as possible.