Terms and Conditions M89 — Platform Usage Guidelines

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

• "Platform" or "M89" refers to the official website at m89.ng along with all services, mobile applications, and features provided under the m89 brand.
• "Member" or "User" refers to any individual who has registered and holds an active account on the m89 platform.
• "Account" refers to the personal account registered by a member to access m89 services.
• "Funds" refers to funds held in your m89 account, including cash deposits and credited winnings.
• "Bonus" refers to any free credits, bonus funds, or promotional offers granted by m89 to members.
• "Wagering Requirement" refers to the minimum wagering amount that must be met before a bonus or bonus winnings are eligible for withdrawal.
• "KYC" refers to Know Your Customer — the identity verification process conducted by m89 to meet compliance requirements.

To register and use the m89 platform, you must meet all of the following eligibility requirements at all times:

• Be at least 18 years of age at the time of registration.
• Not currently listed on the self-exclusion register of any responsible gaming programme.
• Having full legal capacity to enter into a binding agreement under applicable law.
• Acting on your own behalf and not as a representative or agent of any third party.
• Has never had an account terminated by m89 due to fraud or prior violation of terms.

M89 reserves the right to request proof of age and identity at any time. Where there is doubt regarding a user's eligibility, M89 reserves the right to suspend the relevant account until satisfactory verification is received. This is a protective measure and not a punitive action.

The M89 account registration process is straightforward but subject to the following conditions, which must be fully complied with:

• Each individual is only permitted to register and hold one active account. Owning multiple accounts under the same or different names, phone numbers, or banking details is strictly prohibited.
• All information submitted during registration must be accurate, complete, and up to date. False or misleading information may result in immediate account termination.
• You are solely responsible for maintaining the confidentiality of your username and password. m89 will not be held liable for any losses arising from unauthorised access caused by your own negligence.
• Any changes to personal information such as phone number, email address, or bank account number must be reported to the M89 support team within 7 days.
• An m89 Account is personal and may not be transferred, sold, or shared with any other individual under any circumstances.

A KYC process will be conducted before your first withdrawal is approved. You will need to submit a valid copy of your identification and proof of ownership of the payment method used. This process is typically completed within 24 business hours.

M89 supports a range of secure and convenient payment methods for members in Malaysia:

• Online bank transfers via FPX and DuitNow.
• Digital wallets including Touch 'n Go eWallet, GrabPay, and Boost.
• Direct transfers via major local banks in Malaysia.

Deposits are credited to your account automatically once payment is confirmed by our system. In most cases, this process takes less than 5 minutes. If your deposit has not been credited within 30 minutes, please contact our support team with proof of payment.

• M89 does not charge any processing fees for deposits. However, your respective payment provider may apply charges that are beyond our control.
• Deposits must be made from an account or digital wallet registered in your own name. Deposits from third-party accounts are not accepted and will be returned.
• M89 reserves the right to decline or reverse any deposit suspected of being linked to fraudulent activity or money laundering.

Your wins are yours, and m89 is committed to ensuring a fast and transparent withdrawal process. The following withdrawal terms and procedures apply:

• Withdrawals are only permitted to a bank account or digital wallet registered under the same name as your M89 account.
• KYC verification must be fully completed before your first withdrawal request can be processed.
• Withdrawals for verified accounts are processed within 5 minutes to 2 business hours, depending on the selected method and the time the request is submitted.
• Minimum and maximum withdrawal limits apply depending on the selected payment method. Current limit details can be found in the Withdrawal section of the platform.
• M89 reserves the right to conduct additional security checks on large or unusual withdrawal requests before approving them.

If your withdrawal request is delayed beyond the expected timeframe, please contact our support team with your transaction reference number. We will investigate and provide an update within 24 hours.

M89 offers a variety of bonuses and promotions from time to time. All bonus offers are subject to the specific terms stated alongside each offer, as well as the following general rules:

• Every promotion has a set validity period. Any unused bonus will expire automatically once that period ends.
• Wagering requirements must be met within the stipulated period. Failure to do so will result in the cancellation of the bonus and any associated wins.
• M89 reserves the right to decline or void bonuses if there is evidence that a player is abusing the bonus system, including opening multiple accounts to obtain duplicate bonuses.
• Bonuses are eligible for one claim per member, per household, per IP address, and per device, unless otherwise stated in the relevant promotional terms.
• The RTP values of games eligible to contribute towards bonus wagering requirements are as stated in the respective promotional terms.

All games available on the M89 platform are operated in accordance with the rules set by their respective game providers. Players are responsible for understanding the rules of each game before playing.

• All game outcomes are determined by a random number generator (RNG) that has been independently verified by internationally recognised audit bodies.
• M89 has no control over game outcomes operated by third-party providers and is not responsible for any technical disruptions on the provider's end.
• In the event of a technical disruption during an active game, M89 will use server data to determine the valid outcome. M89's decision in such matters is final.
• Wagers that have been confirmed and accepted by the system cannot be cancelled or modified.
• M89 reserves the right to void any wager placed due to a pricing error or exceptional circumstances, with a full refund of the original wager amount returned to the player.

All M89 members are required to conduct themselves in a responsible, fair, and respectful manner towards the platform and fellow members. The following activities are strictly prohibited:

• Using software, bots, automated scripts, or any third-party tools to gain an unfair advantage in games.
• Colluding with other players to manipulate game outcomes or cheat the system.
• Placing opposing wagers on both sides of the same outcome to guarantee a risk-free profit.
• Using the M89 platform for any money laundering activity or unauthorised fund transfers.
• Spreading false or misleading information about the M89 platform.
• Attempting to access another member's account or any restricted section of the platform.

M89 continuously monitors platform activity. Any suspicious behaviour will be investigated and appropriate action will be taken, including account termination and payment refusal where clear evidence of fraud exists.

M89 takes the protection of its members' personal data seriously. The collection, use, and protection of your personal data is governed by our Privacy Policy, which can be read in full on the relevant page.

• Your personal data is collected solely for the purposes of identity verification, payment processing, legal compliance, and service improvement.
• Your information will not be sold, rented, or shared with third parties for marketing purposes without your consent.
• M89 uses 256-bit SSL encryption to protect all data transmitted between your device and our servers.
• You have the right to request access to your personal data, request correction of inaccurate information, or request deletion of data subject to applicable legal retention requirements.

For enquiries relating to privacy and personal data, please refer to our Privacy Policy page or contact our support team directly.

To the extent permitted by applicable law, M89 shall not be liable for:

• Financial losses incurred as a result of betting activity on the platform, including losses from fair gameplay.
• Service disruptions, technical delays, or system failures beyond m89's reasonable control.
• Indirect, consequential, or special losses arising from the use of or inability to use the platform.
• Losses resulting from unauthorised access to your account caused by your own negligence in safeguarding your login credentials.
• The content or policies of third-party websites that may be linked from or to the m89 platform.

An m89 Account may be terminated under the following circumstances:

• Upon member request: You may close your account at any time by contacting our support team. Any valid remaining balance will be returned to you once a brief review is completed.
• Terms violation: M89 reserves the right to terminate the account of any member who violates these Terms and Conditions, including but not limited to fraud, multiple account ownership, and bonus abuse.
• Suspicious activity: Accounts displaying patterns of suspicious or potentially unlawful activity will be suspended during investigation and may be terminated if confirmed.
• Self-exclusion programme: Members who register for a self-exclusion programme through the Responsible Gaming section will be granted the requested cooling-off period, and the account may be terminated upon request.

In cases of termination due to a breach of terms, m89 reserves the right to withhold account balances until the investigation is concluded. If fraud is confirmed, the relevant funds may be fully forfeited.

M89 reserves the right to amend, update, or modify these Terms and Conditions at any time without prior notice. Any amendments will take effect immediately upon publication on this page.

• It is your responsibility to review this page periodically to ensure you are always aware of the latest applicable terms.
• Continued use of the M89 platform after any amendments are published will be considered your acceptance of the revised terms.
• If you do not agree with any amendments, you should stop using the platform and contact us to close your account.

These Terms and Conditions are governed by applicable laws. Any disputes arising in connection with the m89 platform will be resolved through procedures established by m89 management, and all final decisions are binding on all parties.