Rafi99 Terms and Conditions — Complete Platform Usage Guide

1 Acceptance of Terms and Conditions

By accessing, registering for, or using any service provided by rafi99, you hereby agree to be fully bound by these Terms and Conditions. These Terms form a legally binding agreement between you as an individual user and the rafi99 management.

If you disagree with any part of this document, you are advised not to use the rafi99 platform. Continued use of the platform following any changes to the Terms and Conditions constitutes acceptance of the revised terms.

2 Member Eligibility

To register and use the rafi99 platform, you must meet all of the following eligibility requirements:

• Aged 18 years and above or the age of majority recognised in the jurisdiction where you reside, whichever is higher.
• Having full legal capacity to enter into a binding agreement.
• Not a resident or citizen of any jurisdiction where participation in online gambling activities is prohibited by law.
• Not currently under a self-exclusion order or any other restriction imposed by any regulatory authority.
• Registering in your own name and for your own benefit only — not on behalf of another person.

Rafi99 reserves the right to request age verification at any time. If a member is found to be ineligible, the account will be closed immediately and the remaining balance will be refunded after deducting any bonuses used.

3 Account Registration

Each member is only permitted to hold one account only on the rafi99 platform. Multiple account ownership by the same individual is prohibited and will result in the immediate closure of all associated accounts.

When registering, you are required to:

• Providing accurate, complete, and up-to-date personal information including full name, identification card number, date of birth, email address, and phone number.
• Set a strong password and keep it confidential at all times.
• Submitting supporting documents for the identity verification (KYC) process when requested.
• Completing the KYC process before making your first withdrawal.

Rafi99 reserves the right to suspend or terminate any account whose registration information is found to be inaccurate, false, or misleading. Members are responsible for keeping their personal information up to date should any changes occur.

4 Deposits, Withdrawals & Financial Transactions

All financial transactions on the rafi99 platform are subject to the following policies:

• Minimum deposit is as stated on the platform's deposit page — different payment methods may have different minimum limits.
• Withdrawal can only be processed to a bank account, e-wallet, or payment method held in the same name as the rafi99 account.
• The withdrawal process is typically completed within 15 to 30 minutes for e-wallets and within 1 to 3 business days for bank transfers.
• Rafi99 is not responsible for any third-party transaction fees that may be charged by banks or payment providers.
• All transactions are final once confirmed. rafi99 reserves the right to reverse transactions suspected of involving fraud or money laundering.
• Accepted payment methods include FPX, DuitNow, Touch 'n Go eWallet, GrabPay, and local Malaysian bank transfers.

5 Bonuses, Promotions & Rewards Programme

Rafi99 offers a variety of bonuses and promotions to members from time to time. All such offers are subject to the following conditions:

• Each bonus has wagering requirements (rollover) of its own and must be met before a withdrawal can be made.
• Bonuses may only be claimed once per offer, unless otherwise stated in the relevant promotion's terms.
• Rafi99 reserves the right to withdraw or cancel any bonus if abuse, fraud, or system exploitation is suspected.
• Received bonuses cannot be transferred to another member or directly converted to cash without fulfilling the wagering requirements.
• Any attempt to abuse the bonus system through duplicate accounts, hedge betting, or other methods will result in bonus cancellation and possible account termination.
• The validity period of each bonus is as stated in the respective promotion's terms.

For more information on currently available promotions, please visit the Promotions ours.

6 Game Rules & Integrity

All games on the rafi99 platform operate on the principles of fairness and transparency. The following applies to all gaming activity:

• All games use a certified Random Number Generator (RNG) to ensure fair and unmanipulable outcomes.
• Live casino game results are determined by a real dealer in real time and cannot be changed once announced.
• Any technical issues (internet disconnection, system errors) will be resolved based on server records, which are deemed final.
• Members are responsible for ensuring a stable internet connection while playing. rafi99 is not liable for any losses resulting from connectivity issues on the member's end.
• The use of automation software, bots, or any tools that provide an unfair advantage in games is strictly prohibited.

7 Prohibited Platform Activities

The following actions are strictly prohibited on the rafi99 platform and may result in immediate account termination and legal action:

• Registering or maintaining more than one active account.
• Providing false or misleading information during registration or the KYC process.
• Using credit cards, bank accounts, or payment methods that do not belong to you.
• Transferring funds between different rafi99 member accounts.
• Using automation software, bots, or scripts to access or play games.
• Any form of collusion with other members to manipulate game outcomes.
• Exploiting system bugs or technical vulnerabilities in the platform for personal gain.
• Attempting to launder money through the rafi99 platform.
• Harassing, threatening, or abusing rafi99 customer support staff.

8 Privacy & Personal Data Protection

Rafi99 is committed to protecting the privacy and personal data of all members. The collection, processing, and storage of your personal data is handled in accordance with the rafi99 Privacy Policy, which forms part of these Terms and Conditions.

By using the rafi99 platform, you agree to:

• Collection of personal data necessary for platform operations and compliance with regulatory requirements.
• Use of cookies and similar tracking technologies to enhance the user experience.
• Retention of transaction records and gaming activity for the period required by applicable laws.
• Use of aggregated, non-personally identifiable data for analytics and platform improvement purposes.

For full details on how we handle your data, please refer to Privacy Policy ours.

9 rafi99 Liability Limits

To the extent permitted by applicable law, rafi99 is not liable for:

• Any financial losses incurred as a result of gambling activity on the platform, including missed wins or betting losses.
• Service disruptions caused by planned or unplanned system maintenance, including third-party failures.
• Indirect, consequential, or punitive losses arising from the use of or inability to use the platform.
• Data damage or loss resulting from user device failure, internet connectivity, or other factors beyond rafi99's control.
• Actions or omissions by third parties including payment providers, game providers, or internet service providers.

In any event, the maximum aggregate liability of rafi99 to any member shall not exceed the amount deposited by that member in the 30 days prior to the claim.

10 Account Closure & Termination

A rafi99 account may be closed or suspended under the following circumstances:

• At the member's request: You may request account closure at any time through customer support. Any valid balance will be refunded after the necessary withdrawal of funds.
• By rafi99: The platform reserves the right to suspend or terminate an account without prior notice in the event of a Terms and Conditions violation, suspected fraudulent activity, or failure to comply with KYC requests.
• Inactive: Accounts showing no activity for 12 consecutive months may be subject to an inactivity fee or closure in accordance with rafi99's current policy.

Once an account is closed due to a violation, rafi99 reserves the right to withhold any balance associated with activities that breach these Terms and Conditions while an investigation is conducted.

11 Dispute Resolution

Should any dispute arise regarding the use of the rafi99 platform, we encourage you to follow the procedure below:

• Step 1: Contact the rafi99 customer support team via live chat or email, providing full details of the dispute.
• Step 2: Our team will investigate and provide a response within 5 business days.
• Step 3: If you are not satisfied with the initial decision, the dispute may be escalated to rafi99 senior management.
• Step 4: Final decisions made by rafi99 management are conclusive and binding.

Rafi99 server records will serve as the primary reference in resolving any disputes relating to game outcomes or transactions. These Terms and Conditions are governed and interpreted in accordance with applicable laws.

12 Amendments to Terms and Conditions

Rafi99 reserves the right to modify, add, replace, or amend any part of these Terms and Conditions at any time at our sole discretion. Significant changes will be communicated to members via:

• A notice displayed on the platform's homepage or login page.
• Notification email to the email address registered in the member's account.
• A notice in the member's account during their next active session.

Continued use of the rafi99 platform after any amendments take effect constitutes full acceptance of the revised terms. If you do not agree with any amendment, you have the right to close your account before the effective date of that amendment.