stk88 Terms & Conditions

In these Terms & Conditions, the following terms carry the meanings set out below unless the context requires otherwise.

To register and maintain an active account on stk88, you must satisfy all of the following eligibility criteria at the time of registration and on a continuing basis throughout your membership:

• Age: You must be at least 21 years of age. stk88 enforces a strict 21+ policy in accordance with the responsible gaming standards applicable to the Indonesia market. Proof of age may be requested at any time.
• Legal capacity: You must have full legal capacity to enter into a binding contract under the laws of your jurisdiction.
• Jurisdiction: You are solely responsible for verifying that accessing and using the Platform is lawful in your country or territory of residence. stk88 does not accept registrations from individuals located in jurisdictions where online gambling is explicitly prohibited by statute.
• Not a stk88 employee: Employees, contractors, directors, and immediate family members of stk88 and its affiliated entities are not eligible to hold a Member account or participate in any promotions.
• Single account: You may only hold one registered account. Any individual found to hold multiple accounts will have all associated accounts closed and balances reviewed in accordance with Clause 9 (Prohibited Conduct).

To access the full range of stk88 services, you must create a Member account by providing accurate and complete registration information. By submitting your registration, you warrant that all information provided is truthful, current, and not misleading.

• Registration information: You will be required to provide a valid username, password, email address, full legal name, date of birth, and a valid Indonesian mobile number.
• Accuracy obligation: You must promptly update your account details if any information changes. stk88 may suspend or close accounts where registered details are found to be materially inaccurate.
• Account security: You are solely responsible for maintaining the confidentiality of your login credentials. You must not share your username or password with any third party. stk88 will treat any action performed under your credentials as actions performed by you.
• Unauthorized access: You must notify stk88 support immediately via live chat if you suspect unauthorized access to your account. stk88 accepts no liability for losses resulting from the Member's failure to secure their credentials.
• Account acceptance: stk88 reserves the right to decline any registration application at its sole discretion without providing a reason.

stk88 applies Know Your Customer procedures to all accounts as part of its anti-money-laundering and responsible gaming obligations. KYC verification is mandatory before any withdrawal request is approved.

• Required documents: Members will be asked to provide a government-issued photo ID (national identity card / KTP, passport, or driving license), proof of address dated within 90 days, and where applicable, evidence of the source of funds used for deposits.
• Timeframe: KYC document review is typically completed within 24–48 hours of submission during business hours (WIB). Withdrawals remain on hold until verification is complete.
• Additional verification: stk88 may request further documentation at any stage of the membership if deemed necessary for compliance, fraud prevention, or responsible gaming purposes.
• Consequences of non-compliance: Failure to complete KYC verification within a reasonable period will result in withdrawal suspension. Accounts with unresolvable KYC issues may be closed, with any balance subject to review.

All financial transactions on stk88 are conducted in Indonesian Rupiah (IDR). stk88 supports deposits and withdrawals via a range of local Indonesian bank transfer and e-wallet channels.

Accepted payment channels currently include: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI (Bank Syariah Indonesia), Bank Permata, OVO, DANA, GoPay, ShopeePay, and LinkAja. Available channels are subject to change; the current list is displayed in the Member's account cashier at the time of transaction.

• Minimum deposit: The minimum deposit amount per transaction is Rp 10.000, unless otherwise stated in a specific promotion. Deposit minimums may vary by payment channel.
• Processing time — deposits: Deposits are credited to the Member's account balance in real time or within five minutes under normal network conditions. stk88 is not responsible for delays caused by the Member's bank or e-wallet provider.
• Processing time — withdrawals: Withdrawal requests submitted by verified Members are processed within five to fifteen minutes under standard operating conditions. Processing times may be extended during scheduled maintenance windows or periods of unusually high transaction volume.
• Withdrawal method: Withdrawals must be directed to a payment account registered in the Member's own legal name. Third-party withdrawals are strictly prohibited. stk88 reserves the right to require additional documentation before processing any withdrawal.
• Transaction fees: stk88 does not charge processing fees on standard deposits or withdrawals. Members are responsible for any fees levied by their own bank or e-wallet provider.
• Currency: stk88 does not accept deposits in foreign currencies. All balances are maintained in IDR. No currency conversion is offered or implied.

stk88 offers promotional bonuses to eligible Members from time to time, including but not limited to welcome bonuses, reload bonuses, cashback offers, free bet credits, and seasonal promotions tied to events such as BRI Liga 1, the UEFA Champions League, Idul Fitri, and Ramadhan.

• Eligibility: Each promotion sets out its own eligibility criteria. Unless otherwise stated, bonuses are available to fully registered and KYC-verified Members only. New Member welcome bonuses are available once per individual, per household, and per device.
• Wagering requirements: All bonuses carry a wagering requirement (rollover) that must be satisfied before any bonus-derived winnings may be withdrawn. The applicable wagering multiplier is stated in the promotion's specific terms.
• Permitted games: Not all games contribute equally toward wagering requirements. Live casino games, certain high-RTP slot titles, and low-margin sports bets may contribute at a reduced rate. The contribution schedule is published in the promotion terms.
• Expiry: Bonuses that are not used within the validity period stated in the promotion terms will expire and be removed from the Member's account without notice.
• Abuse: stk88 reserves the right to withhold, cancel, or reclaim any bonus where evidence of bonus abuse, arbitrage betting, or coordinated exploitation is identified. Accounts involved in systematic bonus abuse may be restricted or closed.
• Promotional changes: stk88 reserves the right to modify, suspend, or withdraw any promotion at any time. Changes will be communicated via the Platform or by email to the registered address.

By placing a bet or wager on stk88, you accept the specific rules applicable to that market, game, or event. The following general rules apply across all product categories.

• Bet acceptance: All bets are subject to acceptance by stk88. stk88 reserves the right to refuse or limit any bet at its sole discretion, including bets placed by Members who have been identified as professional or arbitrage bettors.
• Bet settlement: Sportsbook bets are settled in accordance with the official result declared by the relevant governing body (e.g., PSSI for Liga 1 fixtures, UEFA for European competitions). Casino game outcomes are determined by certified random number generators.
• Manifest errors: stk88 reserves the right to void any bet placed at odds that were published due to a technical error, data feed error, or manifest pricing mistake, regardless of whether the bet has been confirmed or settled.
• In-play betting: Live in-play markets are subject to temporary suspension during key match events (goals, red cards, VAR reviews). Bets placed during a suspension window may be voided at stk88's discretion.
• Sportsbook formats: stk88 offers Asian handicap, bandar bola (Indonesia's main spread-betting market format), mix parlay (accumulator), over/under, and outright markets. Each format is governed by its own specific ruleset, accessible within the product section.
• Casino games: All casino game outcomes, including live dealer games provided by Evolution Gaming and Pragmatic Play Live, are governed by the respective studio's certified game rules. stk88 is not responsible for technical interruptions caused by third-party game providers.

stk88 is committed to providing a safe, fair, and responsible gaming environment. The Platform offers a suite of self-management tools designed to help Members maintain control over their gambling activity.

• Deposit limits: Members may set daily, weekly, or monthly deposit limits from their account settings. Limit reductions take effect immediately; limit increases are subject to a 24-hour cooling-off period.
• Session time-outs: Members may set a session time limit after which the account will be automatically logged out. This tool is available in the account safety settings.
• Cool-off period: Members may take a temporary break from gambling activity by activating a cool-off period of 24 hours, 7 days, or 30 days. During a cool-off, the account remains accessible for withdrawal only.
• Self-exclusion: Members who feel they need a longer break may apply for permanent self-exclusion. Self-excluded accounts are permanently closed and cannot be reopened. stk88 support can assist with self-exclusion via live chat at any time.
• Reality checks: stk88 may send periodic notifications reminding Members of the time elapsed during a gaming session and their net balance movement.

If you believe your gambling is becoming compulsive or is harming your financial wellbeing, relationships, or mental health, we strongly encourage you to contact our 24/7 support team immediately or visit the Responsible Gaming page for detailed guidance and resources.

The following actions are strictly prohibited on stk88. Any Member found to have engaged in prohibited conduct will be subject to account suspension, permanent closure, forfeiture of balance and bonuses, and referral to relevant authorities where appropriate.

• Registering more than one account or registering on behalf of another person.
• Using false, stolen, or fabricated identity information during registration or KYC.
• Depositing funds from a payment account not registered in the Member's own name.
• Exploiting software bugs, game glitches, or pricing errors for financial gain.
• Using automated betting software, bots, scripts, or any non-human interface to interact with the Platform.
• Engaging in match-fixing, collusion, or any form of coordinated betting activity designed to exploit sportsbook markets.
• Systematically exploiting bonus offers across multiple accounts or in coordination with other Members (bonus abuse).
• Accessing stk88 from a jurisdiction where doing so is explicitly prohibited by applicable law, using VPNs, proxies, or similar tools to mask your true location.
• Engaging in any form of harassment, threatening language, or abusive conduct directed at stk88 staff or other Members.
• Attempting to launder money or use stk88 as a vehicle for any financial crime.

All content on the stk88 Platform — including but not limited to the brand name, logo, design elements, software, game interfaces, promotional materials, and written content — is the exclusive property of stk88 or its licensed content partners and is protected by applicable intellectual property law.

Members are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal, non-commercial betting and gaming purposes. This licence does not permit Members to copy, reproduce, distribute, reverse-engineer, scrape, or commercially exploit any part of the Platform or its content without the express written consent of stk88.

To the fullest extent permitted by applicable law, stk88 and its directors, officers, employees, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to a Member's use of the Platform, including but not limited to:

• Loss of funds resulting from unauthorized account access where the Member failed to maintain the security of their credentials.
• Interruption of service, game unavailability, or technical errors caused by third-party software providers, internet service providers, or banking partners.
• Losses arising from a Member's reliance on the Platform in a jurisdiction where such use is prohibited.
• Delays in payment processing attributable to the Member's bank or e-wallet provider.
• Winnings voided on the basis of manifest error in odds compilation or game malfunction.

stk88's total aggregate liability to any Member for any claim arising out of or related to these Terms shall not exceed the total amount deposited by that Member in the twelve months preceding the date on which the claim arose.

Either the Member or stk88 may terminate a Member account at any time, subject to the following conditions.

• Member-initiated closure: Members who wish to close their account must contact support via live chat. Any outstanding balance (excluding bonuses that have not met wagering requirements) will be returned to the Member via their verified withdrawal method following KYC completion.
• Platform-initiated closure: stk88 reserves the right to suspend or permanently close any account at its sole discretion, including where these Terms have been violated, where KYC cannot be completed, or where continued operation poses a risk to platform integrity or other Members.
• Balance on closure: Where an account is closed by stk88 due to breach of these Terms, the Platform reserves the right to withhold some or all of the account balance pending investigation. Bonus balances and bonus-derived winnings are non-refundable on account closure for cause.
• Self-exclusion closure: Accounts closed pursuant to a permanent self-exclusion request will not be reopened under any circumstances. Members seeking gambling support are encouraged to contact our 24/7 live chat team.

stk88 operates as an offshore platform under an international gaming licence. These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which stk88 holds its operating licence. Any dispute arising out of or in connection with these Terms that cannot be resolved through stk88's internal dispute resolution process shall be referred to binding arbitration in accordance with the rules of the applicable licensing authority.

Nothing in this clause limits a Member's statutory rights under the consumer protection laws applicable in their country of residence. However, Members acknowledge that stk88 is an offshore platform and that no representation is made as to the legality of accessing the Platform from any specific jurisdiction. The Member bears full personal responsibility for compliance with their local laws.

stk88 reserves the right to update, modify, or replace any part of these Terms & Conditions at any time. When material changes are made, stk88 will provide notice to registered Members via email or prominent notice on the Platform at least seven (7) days before the changes take effect, except where an immediate change is required by law or regulatory instruction.

Continued use of the Platform following the effective date of any amendment constitutes the Member's acceptance of the revised Terms. Members who do not accept the revised Terms must cease using the Platform and may request account closure with balance return as described in Clause 12.

If you have questions about these Terms & Conditions, wish to raise a dispute, or require assistance with your account, please contact the stk88 support team through the following channel:

• Live Chat: Available 24 hours a day, 7 days a week via the stk88 Platform. Average response time under two minutes during peak hours (20:00–02:00 WIB).
• Email: [email protected] — please allow up to 24 hours for email responses. Do not send sensitive account information (passwords, full bank account numbers) by email.

For responsible gaming support, including deposit limit adjustments, cool-off activation, or self-exclusion requests, our support team is available around the clock and will prioritize these requests above standard queries.