Last Updated: January 15, 2026 | Effective Date: January 15, 2026
In these Terms and Conditions, unless the context requires otherwise, the following terms shall have the meanings assigned to them:
By registering an Account, accessing the Website, placing bets, or using any Services provided by 98tot, You acknowledge that You have read, understood, and unconditionally agree to be bound by these Terms and Conditions in their entirety. These Terms constitute a legally binding agreement between You and 98tot.
If You do not agree with any provision of these Terms, You must immediately cease using the Services and close Your Account. Continued use of the Website or Services after any modifications to these Terms constitutes Your acceptance of such changes.
98tot reserves the right to modify, amend, or update these Terms and Conditions at any time without prior notice. Material changes will be communicated via email to registered Players and posted prominently on the Website. It is Your responsibility to review these Terms periodically. The "Last Updated" date at the top of this document indicates when the most recent revisions were made.
98tot operates under international gaming licenses and serves Players globally from offshore jurisdictions. Online gambling laws vary by country and jurisdiction. Players are responsible for ensuring their participation complies with applicable local laws. 98tot does not provide legal advice regarding the legality of online gambling in Your specific location.
To register an Account and use 98tot Services, You must meet all of the following eligibility requirements:
By registering, You warrant and represent that all information provided during registration is accurate, complete, and current. You agree to update Your Account information promptly if any details change.
To create an Account, You must complete the registration form providing accurate personal information including full legal name (as it appears on government-issued identification), date of birth, residential address, email address, phone number, and chosen username and password. False or misleading information provided during registration constitutes a material breach of these Terms and may result in Account suspension or closure.
Upon successful registration, You will receive a confirmation email. You must verify Your email address by clicking the confirmation link provided. Until email verification is complete, certain Account functions including withdrawals may be restricted.
Before processing Your first withdrawal, 98tot requires completion of KYC (Know Your Customer) verification. You must submit clear, legible copies of the following documents:
KYC documents are typically reviewed within 24 hours during business days. Documents submitted on weekends or Indonesian public holidays may take up to 48 hours to process. 98tot reserves the right to request additional documentation or verification at any time to comply with regulatory obligations or if suspicious activity is detected.
You are solely responsible for maintaining the confidentiality and security of Your Account login credentials. You must:
You are fully liable for all activities conducted through Your Account, including any bets placed, deposits made, or withdrawals requested, regardless of whether such activities were authorized by You. 98tot shall not be liable for any losses resulting from unauthorized Account access caused by Your failure to maintain adequate security.
98tot supports various deposit methods tailored to Indonesian Players, including bank transfers via BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI, and Bank Permata, as well as e-wallet services including OVO, DANA, GoPay, ShopeePay, and LinkAja. All transactions are processed in Indonesian Rupiah (IDR).
Minimum deposit amounts vary by payment method but generally start from Rp 10,000. Maximum deposit limits are set per transaction and per day based on Your Account status and payment method selected. Deposits via bank transfer and e-wallets are typically credited to Your Account instantly, though delays may occasionally occur due to bank processing times or technical issues beyond 98tot's control.
You may only deposit funds from payment sources registered in Your own legal name. Third-party deposits (funds deposited from accounts not owned by You) are strictly prohibited and will be rejected. If third-party deposits are detected, 98tot reserves the right to freeze the funds, suspend Your Account, and return the funds to the source account after deducting administrative fees.
All deposits are final and non-refundable except in cases of demonstrable technical error or duplicate charging. Deposits are intended for gaming purposes only. 98tot is not a financial institution and does not provide money transmission, currency exchange, or banking services. Using 98tot Accounts to transfer money between parties is prohibited.
You may request withdrawals of Your Account balance at any time, subject to completion of KYC verification, meeting any applicable bonus wagering requirements, and adherence to minimum withdrawal thresholds. Minimum withdrawal amounts typically start from Rp 50,000, while maximum daily withdrawal limits vary based on Your Account tier and verification status.
Withdrawals are processed to the same payment method and account used for Your most recent deposit, in compliance with anti-money laundering regulations. If You wish to withdraw to a different account, You must first verify ownership of the new account through additional KYC procedures.
Withdrawal processing times vary by payment method. Bank transfers to Indonesian banks (BCA, BRI, BNI, Mandiri) are typically processed within 3-10 minutes during banking hours (Monday-Friday, 08:00-20:00 WIB). E-wallet withdrawals (OVO, DANA, GoPay) are usually processed within 5-15 minutes at any time. Requests submitted outside banking hours or on weekends/public holidays will be processed on the next business day.
98tot reserves the right to conduct additional security checks on withdrawal requests, particularly for large amounts or unusual withdrawal patterns. Such reviews may delay processing time by 24-72 hours. If fraudulent activity or bonus abuse is suspected, withdrawals may be suspended pending investigation.
Withdrawal requests cannot be canceled once they enter the processing stage. If You wish to cancel a pending withdrawal before processing begins, You must contact customer support immediately.
98tot offers various bonuses and promotional offers to Players, including welcome bonuses, deposit match bonuses, cashback offers, free bets, and seasonal promotions. All bonuses are subject to specific terms and conditions that are provided at the time of the offer and form part of these Terms and Conditions.
Unless otherwise stated, bonuses are subject to wagering requirements before any winnings derived from bonus funds can be withdrawn. Wagering requirements specify the number of times You must wager the bonus amount (or bonus plus deposit amount) before withdrawal eligibility is achieved. For example, a bonus with 10x wagering on a Rp 100,000 bonus requires Rp 1,000,000 in total wagers before withdrawal.
Wagering contributions vary by game type. Typically, slot games contribute 100% toward wagering requirements, while table games like blackjack and roulette may contribute 10-20%, and certain games may be excluded entirely. Specific contribution rates are disclosed in each bonus offer's terms.
Bonuses are intended for recreational Players and normal gaming activity. 98tot reserves the right to void bonuses, cancel winnings, and close Accounts if bonus abuse is detected, including but not limited to: creating multiple Accounts to claim bonuses repeatedly, coordinated betting patterns designed to minimize risk (e.g., betting opposite outcomes on roulette), using betting strategies that exploit bonus terms, or any other activity deemed abusive in 98tot's sole discretion.
Bonuses expire if wagering requirements are not met within the specified timeframe (typically 30 days unless otherwise stated). Upon expiration, all bonus funds and associated winnings are forfeited.
Players may opt out of promotional offers at any time by contacting customer support. Opting out will remove any active bonuses and associated winnings from Your Account.
All games offered on 98tot operate using certified Random Number Generator (RNG) technology that has been independently tested and audited by accredited third-party testing agencies. RNG certification ensures that game outcomes are genuinely random, unpredictable, and cannot be manipulated by 98tot or any Player.
Specific rules for each game type (slots, table games, live dealer games, sports betting, togel) are available within the game interface or in dedicated rules sections of the Website. You are responsible for understanding the rules of any game before placing bets. Ignorance of game rules does not constitute grounds for dispute resolution or refunds.
Sports betting odds and markets are subject to change without notice based on real-time events, betting volume, and risk management decisions. 98tot reserves the right to refuse bets, limit bet sizes, or suspend markets at any time. In the event of obvious errors in odds or market offerings (known as "palpable errors"), 98tot reserves the right to void affected bets and refund stakes.
Live dealer games are streamed in real-time from professional studios. You agree to behave respectfully toward dealers and other Players. Abusive, offensive, or harassing behavior in chat functions will result in immediate suspension of chat privileges and potential Account suspension.
If a game malfunctions or disconnects during play, 98tot will make reasonable efforts to restore the game session. If restoration is not possible, the bet will be voided and Your stake refunded. 98tot is not liable for any consequential losses arising from technical malfunctions.
The following activities are strictly prohibited and constitute material breaches of these Terms and Conditions:
Engaging in any prohibited activity will result in immediate Account suspension or termination, forfeiture of Account balances, and potential reporting to law enforcement authorities. 98tot cooperates fully with legal authorities in investigating suspected criminal activity.
To the fullest extent permitted by applicable law, 98tot, its officers, directors, employees, partners, licensors, and service providers shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to Your use of the Services, including but not limited to loss of profits, loss of data, loss of goodwill, service interruptions, or any other intangible losses.
98tot's total aggregate liability to You for all claims arising from or related to these Terms or Your use of the Services shall not exceed the amount You deposited into Your Account in the three months preceding the event giving rise to the claim.
98tot does not guarantee uninterrupted, timely, secure, or error-free operation of the Services. Technical difficulties, internet connectivity issues, server maintenance, or circumstances beyond 98tot's reasonable control may occasionally disrupt Service availability. 98tot is not liable for losses resulting from such disruptions.
You acknowledge that gambling involves financial risk and that losses are possible. 98tot is not responsible for any gambling-related losses You incur. You gamble at Your own risk and are solely responsible for Your betting decisions.
98tot reserves the right to suspend or terminate Your Account immediately and without prior notice if You breach any provision of these Terms and Conditions, engage in fraudulent or illegal activity, or if required to do so by law or regulatory authorities.
Upon Account termination, You forfeit all access to Services, and any pending bonuses or promotional credits will be voided. If Your Account is terminated due to breach of Terms, 98tot may withhold any remaining Account balance.
You may voluntarily close Your Account at any time by contacting customer support. Before processing voluntary Account closure, 98tot will ensure all pending transactions are completed and any remaining balance is withdrawn. Once an Account is closed, it cannot be reopened, and You must create a new Account (if eligible) should You wish to use the Services again.
If Your Account is self-excluded for responsible gaming reasons, the Account will remain closed for the period You specified (minimum 24 hours, up to permanent closure). During self-exclusion, You may not access Services or create new Accounts. Attempting to circumvent self-exclusion by creating new Accounts is a serious breach that will result in permanent exclusion from 98tot Services.
These Terms and Conditions shall be governed by and construed in accordance with international gaming regulations and the laws of the jurisdiction where 98tot's operating license is held. Any disputes arising from or relating to these Terms that cannot be resolved through informal negotiation shall be resolved through binding arbitration in accordance with the rules of the arbitration body specified in the license jurisdiction.
Before initiating formal dispute resolution, You agree to first contact 98tot customer support to attempt informal resolution. Most disputes can be resolved quickly through direct communication with our support team.
If informal resolution fails, either party may initiate arbitration. The arbitration shall be conducted in English, and the decision of the arbitrator(s) shall be final and binding on both parties. Each party shall bear its own costs of arbitration, with the arbitrator having discretion to allocate costs in the final award.
You agree that any claims must be brought in Your individual capacity and not as part of any class action or collective proceeding. You waive any right to participate in class actions or class-wide arbitration.
If You have any questions, concerns, or complaints regarding these Terms and Conditions or any aspect of 98tot Services, please contact our customer support team:
For formal legal notices or complaints that have not been satisfactorily resolved through customer support, please address correspondence to the legal department at the email address provided above with "Legal Notice" in the subject line.
We are committed to addressing all inquiries and concerns promptly and professionally. Your satisfaction and trust are paramount to 98tot's continued success.
All games use certified RNG technology audited by independent testing agencies to ensure genuinely random outcomes.
Mandatory KYC procedures ensure all players are 21+ years old in compliance with Indonesian age restrictions.
Clear processing times and straightforward verification requirements so you always know when to expect your funds.
Every promotional offer includes specific terms and wagering requirements disclosed upfront with no hidden conditions.
24/7 Indonesian-speaking customer service to answer questions about terms, policies, and account issues.
Operated under international gaming licenses with adherence to regulatory standards and player protection laws.
Our customer support team is available 24/7 to clarify any aspect of these Terms and Conditions or address your concerns.
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