Terms & Conditions

Last Updated: January 1, 2026

1. Definitions

In these Terms & Conditions, unless the context requires otherwise:

• "Platform" refers to the koin28 website, mobile applications, and all associated services accessible at koin28.cam and related domains.
• "User," "You," "Your" refers to any individual who registers for, accesses, or uses koin28 services.
• "We," "Us," "Our," "koin28" refers to the koin28 platform, its operators, and authorized representatives.
• "Account" refers to the registered user account required to access gaming services on the Platform.
• "Services" includes all online gaming products offered on the Platform, including but not limited to sports betting, casino games, live dealer games, slot machines, and togel (Indonesia's traditional numbers lottery).
• "Bonus" refers to promotional credits, free bets, cashback, or any other promotional offer provided by koin28.
• "Wagering Requirement" refers to the number of times a bonus amount must be wagered before it can be withdrawn as cash.
• "Deposit" refers to the transfer of funds from your bank account or e-wallet into your koin28 account balance.
• "Withdrawal" refers to the transfer of funds from your koin28 account balance to your designated bank account or e-wallet.

2. Eligibility and Account Registration

2.1 Age and Residency Requirements

To register and use koin28 services, you must meet the following eligibility criteria:

• You must be at least 21 years of age at the time of registration. koin28 strictly enforces age verification and reserves the right to request identity documentation at any time.
• You must be a resident of Indonesia or accessing the Platform from within Indonesian territory.
• You must be legally capable of entering into binding contracts under Indonesian law.
• You must not be self-excluded from gaming services or prohibited from gambling under any applicable laws or regulations.

2.2 Account Registration Process

When creating a koin28 account, you agree to:

• Provide accurate, current, and complete information during the registration process, including your full legal name, date of birth, email address, phone number, and residential address.
• Maintain only one account per person. Creating multiple accounts (also known as "duplicate accounts") is strictly prohibited and may result in account suspension and forfeiture of funds.
• Keep your account credentials (username and password) confidential and secure. You are solely responsible for all activities conducted through your account.
• Notify koin28 immediately if you suspect unauthorized access to your account.
• Update your account information promptly if any details change.

2.3 Account Verification (KYC)

koin28 implements Know Your Customer (KYC) procedures to prevent fraud, money laundering, and underage gambling. You may be required to submit the following documentation for verification purposes:

• Government-issued photo identification (KTP, Indonesian national identity card, or passport)
• Proof of address (utility bill, bank statement, or official correspondence dated within the last three months)
• Proof of payment method ownership (bank statement or screenshot showing your name and account number)

Failure to provide requested verification documents within 30 days may result in account suspension and withdrawal restrictions. All documents are handled in accordance with our Privacy Policy.

3. Deposits and Withdrawals

3.1 Deposit Methods and Processing

koin28 accepts deposits via the following Indonesian payment methods:

• Bank transfers: BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), Mandiri, CIMB Niaga, OCBC NISP, Bank Permata
• E-wallets: OVO, DANA, GoPay, ShopeePay, LinkAja

Minimum deposit amount is Rp 50,000. Maximum deposit limits vary by payment method and account verification status. Deposits via bank transfer during banking hours (Monday-Friday, 08:00-16:00 WIB) are typically credited within 5 minutes. Deposits outside banking hours may take up to 24 hours to process.

3.2 Withdrawal Methods and Processing

Withdrawals are processed to the same payment method used for deposits, subject to the following conditions:

• Minimum withdrawal amount is Rp 100,000.
• Your account must be fully verified (KYC completed) before withdrawals are approved.
• You must have wagered your deposit amount at least once (1x rollover requirement) before withdrawal is permitted.
• Any active bonus must be completed or forfeited before processing withdrawals.
• Withdrawal requests are processed within 24 hours during business days. Funds typically arrive in your bank account within 1-3 banking days.
• koin28 does not charge withdrawal fees, but your bank or e-wallet provider may apply transaction fees.

3.3 Anti-Money Laundering (AML) Policy

koin28 maintains strict anti-money laundering procedures. We reserve the right to investigate suspicious transactions, request additional documentation, delay or refuse withdrawals, and report suspicious activity to relevant authorities. Funds deposited solely for withdrawal purposes without genuine gaming activity will be returned minus administrative fees.

4. Bonuses and Promotions

4.1 Bonus Terms

koin28 offers various bonuses and promotions, including welcome bonuses, deposit bonuses, cashback offers, and loyalty rewards. All bonuses are subject to specific terms and conditions, which are clearly stated in each promotional offer. General bonus terms include:

• Bonuses are available to eligible users who meet specified criteria (e.g., first deposit, minimum deposit amount, specific games).
• Unless otherwise stated, bonuses carry wagering requirements ranging from 10x to 40x the bonus amount before conversion to withdrawable cash.
• Only real money wagers contribute toward wagering requirements. Free bets and risk-free bets do not count.
• Different games contribute differently toward wagering: slots typically contribute 100%, table games 10-20%, and live dealer games 10%.
• Maximum bet limits apply when playing with bonus funds (typically Rp 10,000 per bet).
• Bonuses expire if wagering requirements are not met within the specified timeframe (typically 30 days).
• koin28 reserves the right to modify, suspend, or cancel bonuses at any time without prior notice.

4.2 Bonus Abuse

Any attempt to abuse or exploit bonuses, including but not limited to creating multiple accounts, colluding with other users, using irregular betting patterns, or exploiting technical errors, will result in immediate forfeiture of bonuses, cancellation of winnings, and potential account termination.

5. Gaming Rules and Conduct

5.1 Fair Play and Integrity

koin28 is committed to fair and transparent gaming. All games use certified Random Number Generators (RNG) to ensure random and unbiased outcomes. The following conduct is strictly prohibited:

• Using automated software, bots, or third-party tools to place bets or play games
• Exploiting technical errors, software bugs, or system vulnerabilities
• Colluding with other users or engaging in syndicate betting
• Using inside information or engaging in arbitrage betting
• Placing bets after outcomes are known (late betting)
• Engaging in fraudulent or deceptive activities

Violation of fair play rules will result in immediate account suspension, cancellation of bets, forfeiture of winnings, and potential legal action.

5.2 Sports Betting Specific Rules

For sports betting services, including bandar bola (football betting) markets covering BRI Liga 1, English Premier League, La Liga, and other competitions:

• Bets are settled based on official results from recognized governing bodies (FIFA, UEFA, AFC, etc.).
• Live betting odds update in real-time and are subject to rapid change based on game events.
• koin28 reserves the right to void bets placed on events with incorrect odds due to technical errors.
• Settlement of bets follows official game results, including any overtime or penalty shootouts unless otherwise specified.
• Bets on postponed or abandoned matches are typically void unless the match is rescheduled within 48 hours.

6. Responsible Gaming

koin28 is committed to promoting responsible gaming practices. We provide tools to help you maintain control over your gaming activities, including:

• Deposit limits (daily, weekly, monthly)
• Session time limits and reminders
• Self-exclusion options (temporary or permanent)
• Reality checks displaying playing time and spending

If you feel your gaming is becoming problematic, please contact our support team immediately at [email protected]. We can assist with setting restrictions or connecting you with professional support resources. For comprehensive information on responsible gaming, please visit our Responsible Gaming page.

7. Limitations of Liability

To the fullest extent permitted by law:

• koin28 is not liable for any technical failures, internet connectivity issues, or third-party service disruptions that affect your use of the Platform.
• We are not responsible for any losses resulting from unauthorized access to your account if you failed to keep your credentials secure.
• Gaming involves risk, and you acknowledge that you may lose money. koin28 is not liable for any gambling losses you incur.
• We do not guarantee uninterrupted or error-free access to the Platform and may suspend services for maintenance or updates without prior notice.
• Our maximum liability to you for any claims arising from these Terms shall not exceed the amount of your account balance at the time of the claim.

8. Account Suspension and Termination

koin28 reserves the right to suspend or terminate your account immediately without prior notice if:

• You breach any provision of these Terms & Conditions
• You provide false or misleading information during registration or verification
• We suspect fraudulent, abusive, or illegal activity
• You engage in behavior that harms the Platform or other users
• You are found to have multiple accounts
• Required by law or regulatory authorities

Upon termination, your account balance (minus any bonuses and pending wagers) will be returned to you after deducting any amounts owed to koin28. However, if termination results from fraudulent activity or Terms violations, koin28 may withhold all funds.

9. Intellectual Property

All content on the koin28 Platform, including but not limited to text, graphics, logos, images, software, and game content, is the property of koin28 or its licensors and is protected by Indonesian and international copyright laws. You may not copy, reproduce, distribute, modify, or create derivative works from any Platform content without express written permission from koin28.

10. Governing Law and Dispute Resolution

These Terms & Conditions are governed by and construed in accordance with the laws of Indonesia. Any disputes arising from your use of koin28 services shall be subject to the exclusive jurisdiction of Indonesian courts. Before pursuing legal action, we encourage you to contact our customer support team at [email protected] to resolve disputes amicably.

11. Changes to Terms & Conditions

koin28 reserves the right to modify, update, or revise these Terms & Conditions at any time. Material changes will be communicated via email or prominent notice on the Platform. Your continued use of koin28 services after changes are implemented constitutes acceptance of the revised Terms. We recommend reviewing this page periodically to stay informed of any updates.

12. Contact Information

If you have any questions, concerns, or complaints regarding these Terms & Conditions or your use of koin28 services, please contact us:

• Email: [email protected]
• Support Hours: 24/7 via live chat and email
• Response Time: We aim to respond to all inquiries within 24 hours

For urgent matters or account-specific issues, we recommend using our live chat feature for the fastest assistance. Our Indonesian-speaking support team is available around the clock to help with any questions or concerns.