Flay99 Terms and Conditions – Complete Platform Usage Guide

01 Acceptance of Terms and Conditions

These Terms and Conditions ("Agreement") govern your use of the flay99 online platform, including the website, mobile app, and all services provided through the platform. This document is a legally binding agreement between you as the user and flay99 as the platform operator.

By performing any of the following actions, you are deemed to have fully accepted these Terms and Conditions:

• Registering a new account on the flay99 platform
• Making any deposit or financial transaction
• Using any game or service available on flay99
• Claiming any bonus or promotion offered
• Accessing the flay99 platform via any device or web browser

If you do not agree with any part of these terms, please stop using the flay99 platform immediately. flay99 reserves the right to modify these Terms and Conditions at any time, and changes will take effect after notice is issued through the platform.

02 Eligibility & Registration Requirements

To use the flay99 platform, you must meet all of the following eligibility requirements at all times:

• Age limit: You must be at least 18 years of age or have reached the legal age of majority in your jurisdiction, whichever is higher.
• Legal capacity: You must have full legal capacity to enter into binding agreements and to use online gambling services.
• Prohibited nationals: You are not located in, nor a citizen, resident, or registered entity of, any jurisdiction that prohibits the use of online casino services.
• Not on the self-exclusion list: You are not currently enrolled in a voluntary or mandatory self-exclusion programme that prohibits you from using gambling platforms.
• Not bankrupt: You are not currently undergoing bankruptcy proceedings or third-party financial management.

Flay99 reserves the right to verify your eligibility at any time and to request written proof in support of that eligibility. Failure to provide proof of eligibility may result in account suspension or closure.

03 User Account & Responsibilities

Every flay99 user is fully responsible for their own account. The following are the key rules regarding account management:

• One account only: Each individual is only permitted to own and operate one active account. Holding multiple accounts, whether under your own name or another person's, is strictly prohibited.
• Password security: You are responsible for keeping your password and account login details confidential. Do not share this information with anyone, including family members.
• Unauthorised access: If you suspect your account has been accessed without authorization, please contact the flay99 support team immediately.
• Latest information: You are responsible for ensuring all information in your account remains accurate and up to date, especially your contact and banking details.
• Non-transferable account: Your flay99 account is personal and may not be transferred, sold, or assigned to any other party.

Identity Verification (KYC) is mandatory for all flay99 users. You are required to submit a copy of your identification card, proof of residential address, and valid banking details before your first withdrawal is processed. This KYC process is a standard security measure to protect your funds and identity.

04 Fund Deposits & Withdrawals

Flay99 supports a variety of payment methods including TNG eWallet, DuitNow, local bank transfers, and cryptocurrency. All financial transactions are subject to the following rules:

Deposit:

• The minimum deposit is RM 20 or equivalent, depending on the selected payment method.
• All deposits are processed instantly or within 15 minutes depending on the method used.
• Deposited funds must be used for gaming purposes only and may not be used as a money storage facility.
• Flay99 reserves the right to decline or freeze suspicious deposits in accordance with anti-money laundering procedures.

Withdrawal:

• The minimum withdrawal amount is RM 50 or equivalent depending on the selected method.
• E-wallet withdrawals are processed in under 5 minutes; bank transfers within 1–3 hours on business days.
• All withdrawals must be made to an account in the same name as registered on flay99. Withdrawals to third-party accounts are not permitted.
• Every withdrawal request is subject to standard security checks before being processed.
• Flay99 reserves the right to request additional supporting documents for withdrawal requests that exceed certain limits.

05 Bonuses, Promotions & Wagering Requirements

Flay99 offers a variety of bonuses and promotions to new and existing members. All bonuses are subject to specific terms and wagering requirements:

• Wagering requirement: Each bonus has its own wagering requirement that must be fulfilled before winnings from the bonus can be withdrawn. These requirements are clearly stated in each promotional offer.
• Bonus validity period: All bonuses have a limited validity period. Bonuses that are unused or wagering requirements that are not met within the specified period will be automatically forfeited.
• Maximum bet limit while a bonus is active: While a bonus is active on your account, a maximum bet limit per spin or per hand may apply. Breaching this limit may result in the cancellation of the bonus and any associated wins.
• Eligible games: Not all games contribute equally to the bonus wagering requirements. The list of games and their respective contribution percentages is available on the Promotions page.
• One active bonus at a time: Only one bonus may be active on an account at any one time, unless otherwise stated in the promotion's terms.
• Bonus abuse prohibition: flay99 employs a sophisticated detection system to identify bonus abuse. Any attempt to exploit the bonus system will result in cancellation of the bonus and the account.

Flay99 reserves the right to modify, suspend, or terminate any promotion at any time. Such changes do not affect bonuses already received that are currently in the process of fulfilling wagering requirements.

06 Game Rules and Outcomes

All games available on the flay99 platform operate using a Random Number Generator (RNG) certified by an independent certification body, ensuring the fairness and unpredictability of every game outcome.

• Finality of results: All game outcomes are final and cannot be disputed except in cases of proven technical error.
• Technical failure: In the event of a system failure or technical disruption during gameplay, flay99 will investigate and resolve the issue fairly. Bets interrupted by technical disruptions will be returned to the player's account.
• Invalid bets: flay99 reserves the right to void any bets placed as a result of software errors, incorrect pricing, or other abnormal circumstances.
• Game records: Game records maintained by the flay99 server are the official records and will be used as reference in any dispute.

For Live Casino games, additional rules may apply depending on the respective game provider. Please read the specific game rules before you start playing.

07 Prohibited Conduct

The following activities are strictly prohibited on the flay99 platform and will result in immediate action, including account closure and legal proceedings where necessary:

• Use of automation software, bots, scripts, or third-party tools to play or interact with the platform
• Any form of hacking, exploitation of technical bugs, or attempts to manipulate the platform's systems
• Money laundering or using the platform for any illegal financial activity
• Colluding with other players to gain an unfair advantage
• Creating multiple accounts to exploit bonuses or promotions
• Use of an unauthorized credit card or bank account not belonging to you
• Fraudulently attempting to reverse a charge (chargeback) after making a deposit
• Spreading false or misleading information about flay99 to other users

08 Privacy, Personal Data, and Security

Flay99 takes the privacy and security of user data very seriously. All personal information you provide to us is protected by 256-bit SSL encryption and handled in accordance with the flay99 Privacy Policy, which can be found at our Privacy Policy page.

• Data collection: flay99 collects personal data solely as required for account management, legal compliance, and service improvement.
• Data usage: Your data will not be sold, rented, or shared with third parties without your consent, except for KYC and legal compliance purposes.
• Cookies and tracking: The flay99 platform uses cookies to enhance the user experience. By using this platform, you agree to our use of cookies.
• Marketing communications: You may choose to opt in or out of marketing communications from flay99 through your account settings.

09 Liability Limits & Disclaimer

To the extent permitted by applicable law, flay99 and its associated companies, directors, employees, and agents shall not be liable for:

• Any financial losses incurred as a result of gambling activity on the flay99 platform
• Service disruptions due to system maintenance, technical issues, or circumstances beyond our control
• Losses resulting from unauthorised access to your account caused by your own negligence
• Unfavourable game results operating within correct technical parameters
• Indirect or consequential losses arising from the use of this platform

Flay99 provides its platform "as is" and makes no guarantees regarding gaming winnings. Gambling involves financial risk, and users are solely responsible for their own gambling decisions.

10 Account Suspension and Closure

Flay99 reserves the right to suspend or close a user's account under the following circumstances:

• Violation of any part of these Terms and Conditions
• Suspected fraud, money laundering, or other illegal activity
• Failure to meet KYC requirements within the specified timeframe
• Request by regulatory authorities or law enforcement
• At the user's own request to close the account

If your account is closed due to a terms violation, flay99 reserves the right to forfeit any remaining balance in that account. Conversely, if the account is closed at your own request with no violations, any remaining balance after the deduction of unfulfilled bonus amounts will be returned to you.

11 Responsible Gaming

Flay99 is committed to responsible gaming and the well-being of our users. We provide a range of self-control tools to help users manage their gambling habits:

• Deposit limit: Set daily, weekly, or monthly deposit limits to control your spending.
• Loss limit: Set a maximum loss limit within a defined period to protect yourself.
• Session time limit: Limit the time you spend playing each session to avoid excessive gambling.
• Temporary self-exclusion: Take a break from the platform for a period of your choice — from 24 hours to several months.
• Permanent self-exclusion: Permanently close your account if you feel that gambling has negatively impacted your life.

If you or someone you know is experiencing gambling-related problems, please seek help immediately. More information on available support resources can be found on the Responsible Gaming us.

12 Terms Amendment and Applicable Law

Flay99 reserves the right to amend, update, or replace these Terms and Conditions at any time without prior notice. However, we will endeavour to notify users of significant changes via in-platform notifications or email.

Continued use of the flay99 platform after changes to the terms take effect constitutes acceptance of the amended terms. It is your responsibility to review this Terms and Conditions page periodically.

These Terms and Conditions are governed by applicable law, and any dispute that cannot be resolved through negotiation will be referred to arbitration or a competent court under the relevant jurisdiction.

If any provision of these Terms and Conditions is found to be invalid or unenforceable, that provision will be interpreted as closely as possible to reflect the original intent, and the remaining provisions will continue in full force and effect.