Terms & Conditions

1. Introduction and Acceptance of Terms

Welcome to momo88 ("the Platform", "we", "us", or "our"). These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("the User", "Player", or "you") and momo88, governing your access to and use of our online gaming platform, website, services, and related features available at https://momo88.cam and any associated domains or mobile interfaces.

By creating an account, accessing the Platform, placing bets, playing games, or using any service offered by momo88, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and Responsible Gaming Policy. If you do not agree with any provision of these Terms, you must immediately cease using the Platform and refrain from creating an account.

We reserve the right to modify, amend, or update these Terms at any time without prior notice. Any changes will be effective immediately upon posting to the Platform. It is your responsibility to review these Terms periodically. Continued use of the Platform following the posting of changes constitutes your acceptance of such modifications. The "Last Updated" date at the top of this document indicates when the most recent changes were made.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• "Account" means the personal gaming account registered by the User on the momo88 Platform, which allows access to betting and gaming services.
• "Balance" means the total amount of funds held in the User's Account, including deposited funds and any winnings, minus withdrawals and active bets.
• "Bet" means a wager placed by the User on a sports event, casino game, or any other betting market offered by momo88.
• "Bonus" means promotional credits, free bets, cashback, or other promotional offers provided by momo88, which are subject to specific terms and wagering requirements.
• "Deposit" means the transfer of funds by the User into their momo88 Account through approved payment methods.
• "KYC" (Know Your Customer) means the identity verification process required by momo88 to confirm the User's identity, age, and address using government-issued identification documents (KTP - Indonesian ID Card).
• "Platform" means the momo88 website, mobile-optimized interface, and all related services, software, and systems.
• "Withdrawal" means the transfer of funds from the User's Account balance to their designated bank account or e-wallet.

3. Eligibility and Account Registration

3.1 Age and Legal Capacity

To register and use momo88 services, you must meet all of the following eligibility criteria:

• You must be at least 21 years of age. We strictly enforce this requirement through mandatory identity verification using your Indonesian ID card (KTP).
• You must have the legal capacity to enter into a binding contract under Indonesian law and the laws of your jurisdiction.
• You must not be legally prohibited from participating in online gaming or gambling activities under any applicable laws.
• You must be acting on your own behalf and not on behalf of any third party or business entity.

3.2 Geographic Restrictions

The momo88 Platform is primarily intended for users located within Indonesia. While we operate under an international gaming license issued by offshore regulatory authorities, we recognize that online gambling regulations vary by jurisdiction. By accessing the Platform, you represent and warrant that you are not located in any jurisdiction where online gaming is explicitly prohibited by law. If you are unsure about the legality of online gaming in your location, you should seek independent legal advice before using our services.

3.3 Account Registration Process

To create an Account, you must:

1. Provide accurate, current, and complete information as requested in the registration form, including your full legal name, date of birth, email address, phone number, and residential address as they appear on your government-issued identification.
2. Choose a unique username and a secure password. You are responsible for maintaining the confidentiality of your login credentials.
3. Accept these Terms and Conditions and our Privacy Policy.
4. Confirm that you are at least 21 years of age and meet all eligibility requirements.

3.4 Identity Verification (KYC)

Before processing your first withdrawal, momo88 requires you to complete identity verification by submitting a clear, legible copy or photograph of your Indonesian ID card (KTP). This one-time verification process typically takes 2-4 hours during business hours. KYC procedures are mandatory to:

• Verify your age and identity to prevent underage gambling.
• Comply with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
• Protect your Account from unauthorized access and fraudulent activity.
• Ensure withdrawals are processed only to the legitimate account holder.

3.5 Account Limitations

Each User is permitted to register and maintain only one (1) Account on the momo88 Platform. Multiple Accounts, duplicate Accounts, or Accounts registered using false information are strictly prohibited. If we detect multiple Accounts belonging to the same individual, we reserve the right to:

• Suspend or permanently close all related Accounts.
• Void all bets and winnings from duplicate Accounts.
• Forfeit all Bonus funds and promotional credits.
• Withhold withdrawals pending investigation.

4. Account Security and Responsibilities

4.1 User Responsibilities

You are solely responsible for maintaining the security and confidentiality of your Account login credentials (username and password). You must not share your password with any third party, and you must take reasonable precautions to prevent unauthorized access to your Account. This includes:

• Using a strong, unique password that is not used for any other online service.
• Not logging in from public or shared computers unless you properly log out afterward.
• Not allowing anyone else to access your Account, even family members or friends.
• Immediately notifying our customer support team if you suspect unauthorized access to your Account.

4.2 Unauthorized Access

If you become aware of any unauthorized use of your Account or any security breach, you must immediately notify momo88 customer support via live chat, WhatsApp, or email. We will investigate the matter and take appropriate action. However, you remain responsible for all activity that occurs on your Account until you notify us of the security breach.

4.3 Account Information Updates

You must ensure that your Account information (email address, phone number, residential address) remains accurate and up to date. If any of your registered information changes, you must update it in your Account settings within 14 days. Failure to maintain accurate information may result in delays in processing withdrawals or communications from momo88.

5. Deposits and Withdrawals

5.1 Accepted Payment Methods

momo88 supports deposits and withdrawals via the following Indonesian payment methods:

• Bank Transfers: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI (Bank Syariah Indonesia)
• E-Wallets: OVO, DANA, GoPay, ShopeePay, LinkAja

All transactions are processed in Indonesian Rupiah (IDR / Rp). We do not accept deposits or process withdrawals in any other currency.

5.2 Deposit Policy

Minimum deposit amounts are:

• Bank Transfers: Rp 50,000
• E-Wallets: Rp 25,000

Deposits are typically credited to your Account instantly or within 5-15 minutes, depending on the payment method and your bank's processing time. momo88 does not charge any fees for deposits. However, your bank or e-wallet provider may charge their own transaction fees, which are beyond our control.

5.3 Withdrawal Policy

You may request a withdrawal of your Account balance at any time, subject to the following conditions:

• Your Account must be fully verified (KYC completed).
• You must have met all wagering requirements for any active Bonuses (see Section 7).
• Minimum withdrawal amount: Rp 100,000
• Maximum daily withdrawal: Rp 100,000,000

Withdrawal processing times are as follows:

• During banking hours (Monday-Friday, 08:00-20:00 WIB): Most withdrawals to BCA, BRI, BNI, Mandiri are processed within 15-60 minutes.
• Outside banking hours or on weekends/holidays: Requests are queued for next business day processing.
• First-time withdrawals: Allow an additional 2-4 hours for KYC verification review.

5.4 Anti-Money Laundering (AML) Compliance

In accordance with international anti-money laundering standards, momo88 requires that you wager (turnover) deposited funds at least one (1) time before you can withdraw them. For example, if you deposit Rp 500,000 and wish to withdraw without playing, you must first place at least Rp 500,000 in total bets (win or lose) before the withdrawal is permitted. This policy prevents the Platform from being used as a money transfer service.

5.5 Withdrawal Verification

For security purposes, withdrawals can only be processed to a bank account or e-wallet registered in your own name, matching the name on your verified KTP. We do not process withdrawals to third-party accounts under any circumstances. If we detect suspicious withdrawal patterns, we reserve the right to request additional verification documents before processing your request.

6. Betting and Gaming Rules

6.1 General Betting Rules

All bets placed on the momo88 Platform are final and cannot be canceled or modified once confirmed. It is your responsibility to ensure that your bets are correct before submission. We do not accept responsibility for incorrectly placed bets unless the error is demonstrably caused by a technical malfunction on our Platform.

6.2 Sports Betting

Sports betting markets are offered for football (BRI Liga 1, EPL, La Liga, Serie A, Bundesliga, Champions League, FIFA World Cup, AFF Cup, Indonesian national team matches), basketball (NBA, Indonesian leagues), badminton (All England, Thomas Cup, Indonesia Open), volleyball, MotoGP, and E-sports (Mobile Legends MPL, PUBG Mobile, Free Fire). Bet types include match winner, Asian handicap, over/under, mix parlay, correct score, and others.

In the event of a postponed or abandoned match, bets are typically voided and stakes returned, unless the match is rescheduled within 48 hours or our specific sports betting rules state otherwise. We reserve the right to void bets on matches where the result is already known or publicly available due to delayed data feeds.

6.3 Casino Games

Casino games including slots, live dealer games (baccarat, roulette, blackjack, sic bo), table games, and crash games are provided by licensed third-party software providers (Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, Pocket Games Soft). All game outcomes are determined by certified Random Number Generators (RNG) audited by independent testing laboratories for fairness. Game RTPs (Return to Player percentages) are as disclosed by each provider.

6.4 Malfunction and Disputes

In the event of a technical malfunction, disconnection, or software error that affects the outcome of a bet or game round, momo88 will make reasonable efforts to resolve the issue fairly. If resolution is not possible, the affected bet or game round will be voided and stakes refunded. We are not responsible for losses resulting from internet connection issues on the User's side.

6.5 Maximum Wins and Payouts

While most games do not have maximum win limits, certain progressive jackpot slots and live dealer games may be subject to payout caps set by the game provider. Any applicable limits are disclosed in the game rules. For sports betting, maximum payout per bet slip is Rp 500,000,000 unless otherwise stated.

7. Bonuses and Promotions

7.1 Bonus Terms

momo88 offers various promotional bonuses including welcome bonuses, reload bonuses, cashback, free bets, and loyalty rewards. All Bonuses are subject to specific terms and conditions, which are disclosed on the promotion page and must be reviewed before claiming. General rules applicable to all Bonuses include:

• Bonuses are available only to eligible Users who meet the specified criteria (e.g., minimum deposit amount, specific games, deposit methods).
• Each Bonus has a wagering requirement (rollover), typically 20x-30x, meaning you must wager the Bonus amount or Bonus + deposit amount (as specified) a certain number of times before winnings can be withdrawn.
• Different games contribute differently to wagering requirements: slots usually contribute 100%, while table games may contribute 10-20% or be excluded entirely.
• Bonuses have expiration dates. Unused Bonus funds or unmet wagering requirements will be forfeited after the expiration period.

7.2 Bonus Abuse

Abusive or fraudulent use of Bonuses is strictly prohibited. Examples of Bonus abuse include:

• Creating multiple Accounts to claim the same Bonus multiple times.
• Using irregular betting patterns solely to clear wagering requirements (e.g., betting equal amounts on opposing outcomes).
• Coordinating with other Users to exploit promotional offers.

If we detect Bonus abuse, we reserve the right to void all Bonuses, forfeit winnings, and suspend or close your Account without refund of deposited funds.

7.3 Withdrawal of Bonus Winnings

Winnings derived from Bonus funds can only be withdrawn after you have met all applicable wagering requirements. Until wagering is complete, Bonus funds and associated winnings are restricted and cannot be withdrawn. Standard withdrawal rules (minimum amounts, KYC verification, processing times) apply to Bonus-derived winnings.

8. Prohibited Activities

The following activities are strictly prohibited on the momo88 Platform. Violation of these rules may result in immediate Account suspension, forfeiture of funds, and potential legal action:

• Underage Gambling: Users under 21 years of age are prohibited from registering or using momo88 services.
• Fraudulent Activity: Using stolen credit cards, false identity documents, or engaging in any form of financial fraud.
• Collusion and Cheating: Coordinating with other Users or third parties to manipulate game outcomes, exploit software vulnerabilities, or gain unfair advantages.
• Automated Betting: Using bots, scripts, or automated software to place bets without human interaction.
• Money Laundering: Using the Platform to launder money or conduct any illegal financial transactions.
• Bonus Abuse: Exploiting promotional offers through multiple Accounts or coordinated betting strategies.
• Offensive Conduct: Harassing other Users or customer support staff, using abusive language, or engaging in discriminatory behavior.

9. Account Suspension and Closure

9.1 Suspension by momo88

We reserve the right to suspend or terminate your Account at any time, with or without prior notice, if:

• You violate any provision of these Terms and Conditions.
• We suspect fraudulent, illegal, or abusive activity on your Account.
• You provide false or misleading information during registration or KYC verification.
• We are required to do so by applicable law or regulatory authority.
• You engage in behavior that damages the reputation or integrity of momo88.

In the event of Account suspension, any pending bets will be settled according to normal rules, and legitimate winnings will be paid out after investigation. However, funds obtained through fraudulent or prohibited means will be forfeited.

9.2 Self-Exclusion and Account Closure

You may request temporary or permanent self-exclusion from the Platform at any time as part of our Responsible Gaming commitment (see Section 11). To close your Account, contact customer support. Upon Account closure, you may withdraw any remaining balance after all active bets are settled and wagering requirements are met. Closed Accounts cannot be reopened.

10. Intellectual Property

All content on the momo88 Platform, including but not limited to text, graphics, logos, images, software, game interfaces, and trademarks, is the intellectual property of momo88 or our licensed partners. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for personal entertainment purposes only. You may not:

• Reproduce, distribute, or publicly display any Platform content without written permission.
• Reverse engineer, decompile, or attempt to extract source code from our software.
• Use our trademarks, logos, or brand name in any commercial manner without authorization.
• Create derivative works based on Platform content.

11. Responsible Gaming

momo88 is committed to promoting responsible gaming and preventing problem gambling. We provide the following tools and resources:

• Deposit Limits: Set daily, weekly, or monthly caps on how much you can deposit.
• Loss Limits: Define maximum loss thresholds to prevent excessive gambling.
• Session Time Limits: Restrict how long you can play in a single session.
• Reality Check Reminders: Receive periodic notifications about your playtime and balance.
• Self-Exclusion: Temporarily or permanently suspend your Account if gambling becomes problematic.

If you believe you or someone you know has a gambling problem, please visit our Responsible Gaming page for detailed information and support resources. You can also contact our customer support team for confidential assistance.

12. Limitation of Liability

To the fullest extent permitted by law, momo88 and its officers, directors, employees, partners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or inability to access the Platform.
• Errors, interruptions, or technical malfunctions in Platform services.
• Unauthorized access to your Account due to your failure to maintain password security.
• Losses resulting from sports events, game outcomes, or betting decisions.
• Third-party content, links, or services accessed through the Platform.

Our total liability to you for any claims related to your use of the Platform shall not exceed the total amount you have deposited into your Account during the six (6) months preceding the claim.

13. Indemnification

You agree to indemnify, defend, and hold harmless momo88 and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms and Conditions.
• Your violation of any applicable laws or regulations.
• Your infringement of any third-party rights.
• Unauthorized use of your Account by any third party due to your failure to maintain security.

14. Governing Law and Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with international gaming regulations and the laws of the jurisdiction where momo88 is licensed. Any disputes arising from or relating to these Terms or your use of the Platform shall be resolved through the following process:

1. Customer Support Resolution: First, contact our customer support team via live chat, WhatsApp, or email to attempt to resolve the dispute informally.
2. Formal Complaint: If informal resolution fails, submit a written complaint detailing the issue to our support email. We will investigate and respond within 14 business days.
3. Arbitration: If the dispute cannot be resolved through our internal process, it may be submitted to binding arbitration in accordance with international arbitration rules. The arbitration will be conducted in English, and the decision shall be final and binding.

15. General Provisions

15.1 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

15.2 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of momo88.

15.3 Assignment

momo88 may assign or transfer these Terms and your Account to any third party at our discretion. You may not assign or transfer your Account or any rights under these Terms to any third party without our prior written consent.

15.4 Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Responsible Gaming Policy, constitute the entire agreement between you and momo88 regarding your use of the Platform and supersede all prior or contemporaneous communications and proposals, whether oral or written.

16. Contact Information

If you have any questions, concerns, or requests regarding these Terms and Conditions, please contact our customer support team:

• Live Chat: Available 24/7 via the chat widget on our website
• Email: [email protected]
• WhatsApp: +62 812-3456-7890 (08:00-24:00 WIB)

We aim to respond to all inquiries within 6 hours during business hours and within 12 hours on weekends and holidays.