Rafi88 Terms & Conditions – Complete Platform User Guide Malaysia Online Betting

By accessing the rafi88 website at rafi88.online, registering an account, making a deposit, playing any game, or using any service provided by rafi88, you are deemed to have read, accepted, and agreed to be bound by all terms and conditions set out in this document as well as rafi88's Privacy Policy.

This acceptance is complete and unconditional. rafi88 reserves the right to update, modify or replace any part of these terms at any time, with appropriate notice provided to members via email or in-platform notification. Continued use of the platform after such changes take effect will be deemed acceptance of the updated terms.

These terms constitute a valid and binding agreement under Malaysian law and shall be interpreted in accordance with the relevant provisions of Malaysian law.

To register and use the rafi88 platform, you must meet all of the following eligibility requirements:

• Aged 18 years of age or older at the time of registration. rafi88 strictly prohibits the use of the platform by anyone below the stipulated minimum age.
• Be a Malaysian citizen, permanent resident, or legitimate visitor present in Malaysia while using the platform.
• Have full legal capacity to enter into a binding agreement under Malaysian law.
• Not listed on the self-exclusion register of any gambling platform or responsible betting programme.
• Not playing on behalf of another person or third party.

Each individual is only permitted to own and operate one rafi88 account only. Holding more than one account — whether under your own name, another person's name, or a false identity — is a serious violation that will result in the closure of all associated accounts and the forfeiture of all balances and winnings held within them.

During registration, you are required to provide truthful, accurate and complete information, including your full name (as per your MyKad or passport), an active Malaysian phone number, and a valid email address. rafi88 reserves the right to request identity verification at any time, including copies of your MyKad or passport.

You are fully responsible for maintaining the security of your rafi88 account, including:

• Choose a strong, unique password that is not shared with any other account.
• Do not disclose your password or login credentials to anyone, including family members.
• Always log out completely from any shared device after each session.
• Report to rafi88 immediately if you suspect any unauthorised access to your account.
• Enable two-factor authentication (2FA), available in your rafi88 account settings, for an added layer of security.

Rafi88 will not be held responsible for any financial or other losses arising from your failure to keep your account login credentials secure. All activity carried out through your account is considered to have been performed by you personally, unless you promptly report a compromised account to us.

Rafi88 accepts deposits via the following Malaysian payment methods only:

• Digital Wallet: Touch 'n Go eWallet, GrabPay, Boost, ShopeePay
• Instant Bank Transfer: DuitNow
• Online Banking (FPX): Maybank2u, CIMB Clicks and other Malaysian banks via FPX

The minimum deposit is RM 10 for all payment methods. No general maximum deposit limit is set; however, rafi88 reserves the right to impose specific limits based on account tier and compliance requirements.

All deposits must be made from a bank account or e-wallet registered in the same name as the rafi88 account holder. rafi88 does not accept deposits from third parties. Any deposit received from an unverified source will be returned, and any associated return costs (if applicable) shall be borne by the depositing party.

Rafi88 does not charge any processing fees for deposits. However, your e-wallet provider or bank may apply their own charges in accordance with their respective policies — this is beyond rafi88's control.

Rafi88 members may withdraw funds from their account balance subject to the following conditions:

• The minimum withdrawal amount is RM 30 per request.
• Withdrawals must be made to a payment method in the same name as the registered member — withdrawals to third-party accounts are not permitted.
• All wagering requirements for any active bonus must be met in full before the associated funds can be withdrawn.
• Withdrawals to Touch 'n Go eWallet or DuitNow are typically processed within 5 to 15 Minutes during standard operating hours.
• Withdrawals to a bank account via FPX may take between 30 minutes and 2 hours depending on the processing hours of the respective bank.
• Withdrawals exceeding RM 50,000 requires an additional identity verification process, which is typically completed within 24 hours.

Rafi88 reserves the right to delay processing any withdrawal request that requires additional review for security or compliance reasons. Members will be notified if their withdrawal has been held for investigation, along with an estimated timeframe for resolution.

Rafi88 does not charge any processing fees for withdrawals. You receive the full amount you requested with no deductions on rafi88's end.

Rafi88 offers various bonuses and promotions to members from time to time. All bonuses are subject to specific terms and conditions stated alongside each offer. The general terms applicable to all rafi88 bonuses are as follows:

• All bonuses carry a wagering requirements which must be met before bonus funds or winnings derived from bonus funds can be withdrawn.
• The wagering rate is typically expressed as a multiple of the bonus amount — for example, a 30× wagering requirement means you must place total bets amounting to 30 times the value of the bonus.
• The maximum bet limit while meeting bonus wagering requirements is RM10 per bet or spin unless otherwise stated in the relevant bonus terms.
• Most rafi88 bonuses come with 30-day validity period from the date of credit. Unused bonuses or unfulfilled wagering requirements within this period will expire automatically.
• Each type of bonus may only be claimed once per member unless otherwise stated — attempting to claim the same bonus more than once is a violation of our terms.
• Rafi88 reserves the right to cancellation of the relevant bonus and associated winnings if there is evidence of bonus abuse, fraud or system manipulation.
• Bonuses cannot be transferred between accounts or converted directly to cash without first meeting the wagering requirements.

All games offered on rafi88 — including slots, football, badminton, poker, jackpot and Live Casino — are subject to the specific rules of each game as issued by their respective providers. These rules can be accessed directly within each game's interface on rafi88.

Regarding game outcomes:

• All slot and casino game outcomes at rafi88 are generated by Random Number Generator (RNG) which has been certified by an accredited independent auditing body. RNG outcomes are final and cannot be disputed.
• For Sports Betting (football, badminton), the match results used to settle bets are based on official results recognised by the relevant sporting body — such as the Malaysia Super League, EPL, FA Cup, or BWF badminton tournaments.
• In the event of a technical disruption during an active game, rafi88 reserves the right to void the affected game round and refund the wagered amount to the member's account.
• Any winnings resulting from a significant technical error or system bug are void, and rafi88 reserves the right to cancel the associated payout.

Rafi88's decision in any dispute relating to gameplay is final and binding, subject to the internal appeals process available through our customer support.

The following activities are strictly prohibited on the rafi88 platform and will result in immediate action:

• Identity Fraud — registering or using an account under another person's identity or false information.
• Multiple Account Ownership — owning or operating more than one rafi88 account, whether under your own name or using a different identity.
• Use of automated software (bots) — using any software, script, or automated technology to play games, access the platform, or manipulate results.
• Bonus abuse — claiming bonuses through improper means, including coordinating between accounts to manipulate bonus conditions.
• Money Laundering — using rafi88 as a channel to process or conceal funds derived from illegal activities.
• Game manipulation — any attempt to influence or manipulate game outcomes through technical means or collusion.
• Unauthorised access — attempting to access parts of the platform, data, or another member's account without authorisation.

Violation of any of the above prohibitions will result in immediate account freeze without prior notice, forfeiture of all funds and winnings in the associated account, a permanent ban from the rafi88 platform, and where applicable, a report to the relevant Malaysian authorities.

A rafi88 account may be closed or suspended in the following circumstances:

• Member request — you may request account closure at any time by contacting rafi88 customer support. All valid remaining balances will be returned within a reasonable timeframe.
• Self-Exclusion — you may activate a temporary self-exclusion option (1 month, 3 months, 6 months) or a permanent one through your account settings or by contacting our support team.
• rafi88's Action — rafi88 reserves the right to close or suspend an account unilaterally in the event of a terms violation, suspicious activity, or relevant technical and legal grounds.
• Inactivity — accounts that have been inactive for 12 consecutive months may be subject to a reasonable monthly maintenance fee. Members will be notified by email before any such fee is applied.

In the event of an account closure due to a member's breach of terms, rafi88 reserves the right to hold the account balance pending the outcome of an investigation. If the investigation confirms a serious violation, the funds in the account may be forfeited in full.

Rafi88 takes its social responsibility toward Malaysian players seriously. We provide a range of tools and resources to help members maintain control over their gambling activity:

• Daily / Weekly / Monthly Deposit Limit — set a limit on how much you can deposit within a given period.
• Loss Limit — set a cap on the net losses you are willing to absorb over a given period.
• Session time limits — set a maximum time limit for each playing session.
• Forced break — take a break from the platform for 24 hours, 7 days, or 30 days.
• Self-Exclusion — suspend access to the account temporarily or permanently.

All limits set take effect immediately and cannot be reduced during the designated cooling-off period. Limit increases may only be made after a minimum waiting period of 7 days to ensure decisions are made with due consideration.

If you are concerned about your own gambling habits or those of someone you know, the following support resources are available in Malaysia: Talian Kasih 15999 (free, 24 hours), which provides counselling and support for problem gambling. For more information, visit the Responsible Gaming us.

To the extent permitted by Malaysian law, rafi88 shall not be liable for:

• Any financial losses incurred as a result of unfavourable betting or gaming outcomes.
• Service disruptions caused by factors beyond our control, including internet infrastructure issues, natural disasters, or unforeseeable events.
• Losses resulting from the failure of third parties, including payment providers, game suppliers, or telecommunications service providers.
• Any indirect, consequential, or punitive losses arising from the use of the rafi88 platform.

Rafi88 is committed to providing a safe and reliable platform. Should a technical disruption affect your gaming experience, please contact our customer support promptly for the appropriate resolution.

Rafi88 reserves the right to update, modify, or replace any part of these terms and conditions at any time. Material changes will be communicated to members via:

• Email to the address registered to your account.
• In-platform notifications on rafi88 when you are logged in.
• Updates to this Terms & Conditions page will include a clear revision date.

Continued use of the rafi88 platform after any changes to the terms take effect will be deemed full acceptance of the updated terms. If you do not agree with the changes made, you should stop using the platform and request that your account be closed.

For any enquiries, disputes or complaints relating to these terms and conditions, please reach out to the rafi88 team via:

• Email: support@rafi88.online
• Live Chat: Available 24/7 directly from the rafi88 platform
• WhatsApp: Number available after logging in to your rafi88 account

This document and all disputes arising from it are governed by Malaysian law. Any dispute that cannot be resolved internally will be referred to a court of competent jurisdiction in Malaysia.