Terms and Conditions indowd – Platform Usage Guidelines

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Member" or "User") and indowd ("Platform", "we", or "the company"). These Terms govern all aspects of your use of the indowd website, mobile app, and all services provided under the indowd brand.

By creating an account, making a deposit, or using any indowd service, you confirm that you have read, understood, and agreed to be bound by these Terms, as well as the Privacy Policy and Responsible Gaming Policy us, which forms part of this agreement.

If you are using the platform on behalf of another person or entity, you confirm that you have the authority to bind that party to these Terms. Continued use of the platform after any amendments to the terms constitutes acceptance of the updated terms.

To use indowd services in full, you need to register a valid account. The registration process requires you to provide true, accurate, and up-to-date personal information. indowd reserves the right to reject or close any account containing false or misleading information.

• Minimum age: You must be at least 18 years old to register and use the indowd platform.
• One account per individual: Each individual is only permitted to hold one active account. Registration of multiple accounts is strictly prohibited.
• Identity verification (KYC): indowd conducts a KYC process before your first withdrawal is approved. You will need to submit a valid identity document such as a national ID card or passport.
• Latest update: You are responsible for keeping your account information up to date, especially your bank details and mobile number.
• Password confidentiality: You are solely responsible for the security of your password and all activities that occur under your account.

Indowd supports a range of deposit and withdrawal methods integrated with Malaysia's local banking systems and e-wallets. All financial transactions are processed in Malaysian Ringgit (MYR) unless otherwise stated.

Deposit:

• The minimum deposit is RM 20 per transaction.
• Deposits are typically credited to your account within 1 to 5 minutes after a successful transaction.
• Indowd does not charge any processing fees on member deposits.
• Only payment methods registered in your own name are accepted. Third-party deposits are not permitted.

Withdrawals:

• The minimum withdrawal amount is RM 50 per request.
• The majority of withdrawals are processed within 5 to 15 minutes after account verification is complete.
• Withdrawals can only be made to a bank account or e-wallet registered in your name.
• Indowd reserves the right to request additional verification for withdrawals that exceed certain limits for security purposes.
• Bonus funds that have not met the wagering requirement are not eligible for withdrawal.

Indowd offers a variety of bonuses and promotions for both new and existing members. All promotional offers are subject to specific terms and limits as stated on their respective promotions pages.

• Wagering requirement: Every bonus is subject to a wagering requirement that must be met before winnings from that bonus can be withdrawn. The applicable wagering requirement is clearly stated in each promotion's terms.
• Bonus validity period: All bonuses have a limited validity period. Unused bonuses or unfulfilled wagering requirements within the specified period will expire automatically.
• Bonus withdrawal limit: Some bonuses have a maximum cap on the amount that can be withdrawn. This limit is clearly stated in the relevant promotion terms.
• One bonus per account: Each promotion can only be claimed once per account, per household, and per IP address unless otherwise stated.
• Right to cancel: indowd reserves the right to withdraw any credited bonus if there is any indication that bonus terms have been abused or that fraud has occurred.

For more information on currently active promotions, visit the Promotions us.

All games available on the indowd platform operate using a Random Number Generator (RNG) certified by independent auditing bodies. This ensures every game outcome is entirely random and cannot be manipulated by any party.

Specific rules and guidelines for each game type — including Slot Games, Live Casino, Sports Betting, and Fish Shooting Games — are stated on their respective game pages. Players are responsible for understanding the rules of each game before placing bets.

• Minimum and maximum betting limits vary by game type and table.
• Game results recorded by the indowd server are final and cannot be disputed.
• Any technical interruptions during a game session will be resolved based on valid server records.
• Indowd reserves the right to suspend or cancel any game in the event of unexpected technical issues.

Your account security is a shared responsibility between indowd and you as the account holder. indowd applies 256-bit SSL encryption to all communications between your device and our servers, along with a continuously operating fraud detection system.

As the account holder, you are responsible for:

• Choosing a strong password and not sharing your login credentials with anyone.
• Enabling two-factor authentication (2FA) via your account security settings.
• Report any suspicious activity or unauthorized access to our support team immediately.
• Ensuring that the device you use to access indowd is free from malware.
• Not accessing your account over public WiFi without using a secure VPN.

Indowd will not be held responsible for any losses arising from an account holder's negligence in protecting their login credentials.

Use of the indowd platform is subject to full compliance with the following rules of conduct. Violation of any item below may result in account suspension or closure without warning:

• Registering more than one account using the same or different information.
• Using another person's identity or false information during registration or KYC.
• Colluding with other players to manipulate game outcomes or exploit the bonus system.
• Using automated software, bots, or scripts to play or place bets.
• Conducting money laundering activities or transferring funds derived from illegal sources through the platform.
• Threatening, insulting, or harassing other members or indowd staff.
• Attempting to exploit bugs, system vulnerabilities, or technical errors for personal gain.

You may close your indowd account at any time by contacting our customer support team. Any valid balance in your account will be processed for withdrawal once all active wagering requirements have been settled.

Indowd reserves the right to suspend or close your account under the following circumstances:

• Violation of these Terms and Conditions or any indowd policy.
• Failure to comply with KYC requests or document verification within the stipulated timeframe.
• Suspected fraudulent activity, money laundering, or system abuse.
• Self-exclusion requests through the responsible gaming program.
• Instructions from regulatory bodies or legal authorities.

In cases of closure due to a terms violation, indowd reserves the right to withhold any account balance linked to fraudulent activity, while valid balances will be returned at the company's discretion.

Indowd provides the platform on an "as-is" basis and strives to ensure continuous service availability. However, we cannot guarantee that the service will be entirely free from technical disruptions or unplanned downtime.

To the extent permitted by applicable law, indowd shall not be liable for:

• Financial losses arising from legitimate game outcomes.
• Service disruptions due to scheduled or unplanned system maintenance.
• Losses arising from a player's own negligence in securing their account.
• Platform unavailability due to factors beyond our control, such as internet disruptions or natural disasters.

The maximum total liability of indowd to any member under any circumstances is limited to the net deposit amount made by that member in the 30 days prior to the claim being raised.

Indowd is committed to responsible gaming practices. We provide a range of tools to help players manage their gaming activity and stay within comfortable limits.

• Deposit limit: Set daily, weekly, or monthly deposit limits through your account settings.
• Loss limit: Set a maximum amount you can lose within a given period.
• Session limit: Set a time limit for each game session to avoid playing for too long.
• Temporary break: Take a break from the platform for 24 hours, 7 days, or 30 days.
• Self-exclusion: Sign up for a long-term self-exclusion program if you need more serious support.

For more information, visit the Responsible Gaming us.

Indowd collects, processes, and stores your personal data in accordance with our Privacy Policy, which forms part of these Terms. By using our platform, you agree to how we handle your personal data as described in Privacy Policy.

In summary, we collect data necessary to:

• Verifying your identity and processing financial transactions securely.
• Providing effective customer support.
• Complying with legal requirements and anti-money laundering regulations.
• Improving the user experience on our platform.

Indowd will not sell or transfer your personal data to third parties for marketing purposes without your explicit consent.

Indowd reserves the right to update or amend these Terms and Conditions at any time. Any material amendments will be communicated to members via in-account notifications at least 7 days before the changes take effect, except in cases of emergency or immediate legal compliance requirements.

The latest version of these Terms and Conditions is always available on this page. The "Updated" date at the top of the page indicates when these terms were last modified.

If you have any questions about these Terms and Conditions, or wish to make a formal complaint, please contact our customer support team via:

• Live chat via the app or website (24/7)
• Email: [email protected]