Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms", "Agreement") govern your access to and use of the afb88my3 platform, including the website at https://afb88my3.cam, any associated mobile-optimised interfaces, and all services, products, and features offered thereunder (collectively, the "Platform"). afb88my3 is operated by the brand entity ("the Company", "we", "us", "our") under international online gaming licensing.

By creating an account, logging in, making a deposit, or using any service on the Platform, you ("the User", "Player", "you", "your") unconditionally accept and agree to be bound by these Terms in their entirety. If you do not agree, you must immediately cease using the Platform and close any account you hold with us.

These Terms should be read in conjunction with our Privacy Policy and our Responsible Gambling Policy, each of which forms part of the overall agreement between you and afb88my3.

2. Definitions

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

• "Account" means the registered user account created by an individual to access and use the Platform.
• "Balance" means the aggregate of real-money funds and bonus funds held in a Player's Account at any given time.
• "Bonus Funds" means promotional credits awarded by the Company that are subject to wagering requirements before withdrawal.
• "KYC" means Know Your Customer — the identity and document verification process required by the Company before processing withdrawals or at its sole discretion.
• "MYR" / "RM" means Malaysian Ringgit, the base currency of the Platform.
• "Platform" means the afb88my3 website, mobile interface, and all associated gaming and betting services.
• "Prohibited Conduct" means any behaviour listed under Section 9 of these Terms that is expressly forbidden.
• "Real Money Funds" means funds deposited by the Player from their own financial accounts that are not subject to bonus wagering requirements.
• "Wagering Requirement" means the total turnover amount a Player must achieve on eligible games before Bonus Funds may be withdrawn.

3. Account Eligibility

To register and maintain an account on the Platform, you must satisfy all of the following eligibility criteria:

1. You are a natural person aged 21 years or above at the time of registration. afb88my3 strictly prohibits underage gambling. Any account found to be held by a person under the age of 21 will be immediately suspended and all funds therein may be forfeited pending investigation.
2. You are not a resident of a jurisdiction in which online gambling is explicitly prohibited by applicable law, and you have satisfied yourself that your participation is lawful in your jurisdiction of residence. Malaysian users are solely responsible for understanding the local laws applicable to them.
3. You are acting on your own behalf and not as an agent, nominee, or proxy for any third party.
4. You do not hold any pre-existing account on the Platform. Multiple accounts per person, household, IP address, device, or payment method are strictly prohibited.
5. You are not a current employee, contractor, agent, director, or close family member of any employee of afb88my3 or its affiliated entities.
6. You have not previously been self-excluded or permanently banned from the Platform.

The Company reserves the right to request supporting documentation to verify any of the above criteria at any time, including at the point of withdrawal or upon detection of unusual account activity.

4. Account Registration & KYC

4.1 Registration

You may register one account per person. During registration, you are required to provide accurate, complete, and current information, including your full legal name, date of birth, email address, and preferred currency (MYR). Providing false or misleading information during registration constitutes a material breach of these Terms and may result in immediate account closure.

4.2 Know Your Customer (KYC) Verification

afb88my3 is committed to maintaining a secure and compliant platform. As part of this commitment, we may require you to complete a KYC verification process at any point, including but not limited to: before processing a withdrawal, when your cumulative deposit or withdrawal activity exceeds defined thresholds, or when unusual account activity is detected.

KYC documentation may include, but is not limited to:

• A valid government-issued photo identity document (e.g., Malaysian MyKad, passport)
• Proof of residential address dated within the last three months (e.g., utility bill, bank statement)
• Proof of ownership of the payment method used (e.g., screenshot of eWallet account matching the registered name)

Failure to complete KYC verification within the timeframe specified in the Company's request may result in the suspension of withdrawal privileges or account closure. All documents are handled in accordance with our Privacy Policy.

4.3 Account Security

You are solely responsible for maintaining the confidentiality and security of your login credentials. You must not share your username, password, or account access with any other person. The Company will not be liable for any loss or damage arising from unauthorised access to your account due to your failure to maintain adequate security of your credentials. You agree to notify afb88my3 support immediately if you suspect unauthorised access to your account.

5. Terms of Use

By accessing and using the Platform, you agree to use it solely for lawful personal entertainment purposes. You acknowledge and accept the following conditions of use:

• All games and betting activities are for entertainment. Outcomes involve an element of chance and afb88my3 cannot guarantee any winnings.
• You access the Platform using your own funds for your own personal use. You must not use the Platform for any commercial purpose, money transfer service, or as part of any financial scheme.
• You will not attempt to exploit software errors, glitches, or vulnerabilities in any game or system feature. Any winnings arising from such exploitation may be voided at the Company's discretion.
• You will not use any form of artificial intelligence, bot, automated script, or third-party software to gain an unfair advantage over the Platform or other players.
• You accept that all final decisions on game outcomes, bet settlements, and disputes rest with afb88my3, whose determination shall be final and binding, subject to any applicable regulatory appeal process.

6. Deposits & Withdrawals

6.1 Deposits

afb88my3 accepts deposits in Malaysian Ringgit (MYR) via the following methods: Touch 'n Go eWallet, Boost, GrabPay, DuitNow, FPX online banking, Maybank, CIMB, Public Bank, Hong Leong Bank, and selected cryptocurrency options (BTC and USDT). The minimum deposit amount is RM50 unless stated otherwise in a specific promotion. Deposits are typically credited to your account instantly; however, processing times may vary depending on your chosen payment method.

All deposits must originate from a payment method registered in your own name. Third-party deposits are strictly prohibited. The Company reserves the right to return a deposit to its source and request alternative proof of payment ownership where discrepancies are identified.

6.2 Withdrawals

Withdrawal requests are processed to the same payment method used for the corresponding deposit, where technically possible, as part of our anti-money-laundering policy. Before processing any withdrawal, the Company may require completion of KYC verification as described in Section 4.

Withdrawal requests for verified accounts are typically processed within minutes to a few hours on business days. Processing times may be extended during periods of high volume, maintenance, or when additional verification is required. The minimum withdrawal amount is RM50. Any applicable transaction fees will be disclosed at the point of withdrawal.

6.3 Currency

The Platform operates in MYR as its base currency. All account balances, deposits, withdrawals, and bonus values are denominated in Malaysian Ringgit unless an alternative currency option is explicitly offered and selected by the User.

7. Bonuses & Promotions

afb88my3 offers a range of promotional bonuses including welcome bonuses, reload bonuses, cashback offers, referral bonuses, and VIP rewards. All bonuses are subject to the following general conditions unless otherwise stated in the specific promotion's terms:

• Bonuses are credited as Bonus Funds and cannot be withdrawn until the applicable wagering requirement has been met.
• Wagering requirements are calculated as a multiple of the bonus amount (e.g., 30x means a RM100 bonus requires RM3,000 in total wagering on eligible games before withdrawal).
• Not all games contribute equally to wagering requirements. Slots typically contribute 100%; live casino games, sports betting, and certain table games may contribute at a lower rate or not at all — refer to the specific promotion for contribution rates.
• Bonuses have an expiry period. Any bonus funds and associated winnings that have not been wagered to the required threshold within the stated time limit will be automatically forfeited.
• The Company reserves the right to modify, suspend, or cancel any promotion at any time with reasonable notice. Promotions are intended for personal recreational use only and may not be abused for arbitrage or professional advantage.
• Any indication of bonus abuse — including but not limited to multi-accounting, syndicate play, pattern betting designed to clear wagering requirements with minimal risk, or use of prohibited software — will result in bonus forfeiture and may lead to permanent account suspension.

8. Betting & Gaming Rules

General rules governing all betting and gaming activity on the afb88my3 Platform include:

• All bets placed are final once confirmed. afb88my3 does not accept requests to cancel or reverse confirmed bets unless a demonstrable system error has occurred.
• For sports betting, odds are subject to change up to the point of bet confirmation. The odds displayed at the time of bet confirmation are the odds applicable to your wager.
• In-play (live) bets may be settled differently in the event of data feed delays, interruptions, or technical issues. The Company will apply reasonable judgement in settling disputed in-play bets and its decision is final.
• Where a game or event is cancelled, postponed, or abandoned, bets will be settled in accordance with the specific sport or game rules applicable at the time. Void bets will be returned at stake.
• The Company uses independently certified Random Number Generator (RNG) systems for all virtual and casino game outcomes. Published Return to Player (RTP) percentages are calculated over large statistical samples and do not guarantee individual session outcomes.

9. Prohibited Conduct

The following activities are strictly prohibited on the Platform and may result in immediate account suspension, forfeiture of funds, and legal action where warranted:

• Opening or operating more than one account per person, household, IP address, or payment method
• Providing false, misleading, or fraudulent information during registration or at any subsequent point
• Depositing funds originating from criminal activity, including but not limited to money laundering or fraud
• Using bots, automated scripts, artificial intelligence tools, or any third-party software to interact with the Platform
• Exploiting software bugs, glitches, or system vulnerabilities to gain an unfair advantage
• Engaging in collusion, match-fixing, or any form of organised betting fraud
• Sharing account access with any third party or gambling on behalf of another person using your account
• Allowing or facilitating underage persons (under 21) to access the Platform
• Attempting to reverse-engineer, decompile, or circumvent any security measure implemented on the Platform

10. Intellectual Property

All content on the Platform, including but not limited to text, graphics, logos, icons, game assets, software, interface design, and data compilations, is the property of afb88my3 or its licensed content providers and is protected by applicable intellectual property law. You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform for your personal, non-commercial entertainment. You must not reproduce, distribute, modify, create derivative works from, or commercially exploit any part of the Platform without prior written consent from the Company.

11. Limitation of Liability

To the maximum extent permitted by applicable law, afb88my3, its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use the Platform, including but not limited to loss of winnings, loss of data, or business interruption.

The Company's total aggregate liability to you for any claim arising in connection with these Terms or your use of the Platform shall not exceed the total amount deposited by you in the twelve (12) months preceding the event giving rise to the claim.

The Platform is provided on an "as is" and "as available" basis. While we make every effort to maintain 99.8% uptime, we do not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. Scheduled maintenance will be communicated in advance where reasonably practicable.

12. Responsible Gambling

afb88my3 is firmly committed to responsible gambling. We believe gambling should be a form of entertainment — not a financial strategy or a way to resolve personal difficulties. We provide the following tools to all registered players, accessible directly from the account settings panel:

• Deposit Limits: Daily, weekly, and monthly deposit caps that can be set and reduced at any time with immediate effect.
• Session Time Reminders: Alerts displayed after predetermined play durations to encourage regular breaks.
• Reality Checks: On-screen notifications displaying your net gaming activity for the current session.
• Cooling-Off Periods: Temporary account suspension periods of 24 hours, 7 days, or 30 days.
• Self-Exclusion: Permanent or time-limited exclusion from the Platform, effective immediately upon request.

For comprehensive guidance on responsible gambling, please visit our dedicated Responsible Gambling page. If you believe your gambling is causing harm, we encourage you to seek support from an independent organisation. For players in Malaysia, please remember that self-exclusion requests are processed without waiting periods.

afb88my3 enforces a strict 21+ age policy. We use identity verification checks to prevent underage access. Any player found to be under the age of 21 will have their account closed and their funds returned to the original payment source, net of any winnings accrued.

13. Suspension & Termination

The Company reserves the right to suspend, restrict, or permanently close your account at its sole discretion, including in the following circumstances:

• Breach of any provision of these Terms
• Suspected or confirmed fraudulent activity, including chargebacks
• Suspected or confirmed money laundering or use of proceeds of crime
• Failure to complete KYC verification within the specified timeframe
• Discovery that the account holder is under 21 years of age
• Suspected colluded or syndicated betting activity
• At your own request for self-exclusion or voluntary account closure

In the event of account closure due to proven breach of these Terms, the Company reserves the right to forfeit any balance held in the account, including both Real Money Funds and Bonus Funds. Where an account is closed for administrative reasons not related to player misconduct, any verified Real Money balance will be returned to the player via the original payment method.

You may request voluntary account closure at any time by contacting afb88my3 customer support via live chat or email. Any outstanding Bonus Funds will be forfeited upon voluntary account closure.

14. Amendments to These Terms

afb88my3 reserves the right to amend, update, or replace these Terms at any time. Material changes will be communicated to registered players via email to the address on file or via a prominent notice on the Platform. Continued use of the Platform following the effective date of any amended Terms constitutes your acceptance of those changes.

We recommend that you review these Terms periodically. The "Effective Date" displayed at the top of this page reflects the date of the most recent revision. If you do not accept any amended Terms, you must cease using the Platform and contact support to close your account.

15. Governing Law & Dispute Resolution

These Terms and any dispute arising out of or in connection with them shall be governed by and construed in accordance with the laws of the jurisdiction under which afb88my3 holds its international gaming licence. The parties agree to submit to the exclusive jurisdiction of the courts of that jurisdiction for the resolution of any dispute that cannot be settled amicably.

Before initiating any formal dispute process, you agree to contact afb88my3 customer support in good faith to attempt resolution. The Company will endeavour to resolve all player complaints within five (5) business days of receipt. For disputes that cannot be resolved internally, the matter may be referred to the relevant dispute resolution body under the applicable gaming licence terms.

Malaysian users acknowledge that no Malaysian domestic law specifically governs online gambling, and that these Terms are governed by the international licensing jurisdiction noted above. Malaysian users are independently responsible for ensuring their participation complies with applicable local laws.

16. Contact Us

If you have questions about these Terms & Conditions, wish to raise a complaint, or need to request account support, please contact afb88my3 through the following channels:

• Live Chat: Available 24/7 via the chat icon on the Platform. Average response time under 90 seconds. Malaysia Standard Time (UTC+8), 365 days a year.
• Email (plain text — not a link): [email protected]

Please include your registered username and a clear description of your query or complaint. For KYC or account verification enquiries, please have relevant documentation ready. Our support team will respond in natural Malaysian English.