Terms & Conditions — ayowin Platform

In these Terms & Conditions, the following definitions apply unless the context clearly requires otherwise:

By accessing the ayowin platform, clicking "I Agree" during account registration, or by otherwise using any of the Services, you confirm that:

• You have read and understood these Terms & Conditions in their entirety.
• You accept these Terms & Conditions and agree to be legally bound by them.
• You have read and accepted the ayowin Privacy Policy, which is incorporated into these Terms & Conditions by reference.
• You meet all eligibility requirements set out in Clause 3 below.
• You are not acting on behalf of any third party and are using the platform for your own personal, recreational use only.

These Terms & Conditions, together with the Privacy Policy, the Responsible Gaming Policy, and any applicable bonus-specific terms, constitute the entire agreement between you and ayowin with respect to your use of the Services.

To be eligible to register and maintain an account on the ayowin platform, you must satisfy all of the following requirements at all times:

• Age: You must be at least 21 years of age. ayowin strictly prohibits participation by individuals under 21 years old. We reserve the right to request proof of age at any point and to suspend any account where age eligibility cannot be confirmed.
• Residency: You must be a resident of Indonesia or otherwise authorized to access online gaming platforms in your jurisdiction. It is your sole responsibility to ensure that accessing our services is lawful in your jurisdiction.
• Capacity: You must be legally competent to enter into binding contracts under Indonesian law. Accounts registered by individuals who are legally incapacitated will be voided.
• One Account Per Person: Each individual may hold only one active account on the ayowin platform. Duplicate accounts will be suspended, and any balances on such accounts may be forfeited.
• Own Identity: You must register using your own true identity. Registering under another person's name or using fabricated identity information is strictly prohibited.
• Not Self-Excluded: You must not have voluntarily self-excluded from the ayowin platform or any other gambling platform where a cross-exclusion agreement may apply.

To access the full range of Services offered by ayowin, you must complete the registration process and create a Member account. During registration, you agree to:

• Provide accurate, current, and complete information, including your full legal name, date of birth, Indonesian national ID number (NIK), residential address, email address, and phone number.
• Keep your registration information updated at all times. You may update your details by contacting our customer support team at [email protected].
• Choose a secure, unique password and keep it confidential. You are solely responsible for all activity conducted through your account.
• Notify ayowin immediately if you suspect unauthorized access to your account.

ayowin reserves the right to decline any registration application without providing a reason. The Company also reserves the right to close any account where it has reasonable grounds to believe the registration information is false, incomplete, or misleading.

ayowin is committed to operating a secure, fraud-free platform. Accordingly, all Members are required to complete a Know Your Customer (KYC) verification process before their first withdrawal is processed, and at any subsequent time that ayowin deems necessary.

KYC verification requires the submission of the following documents:

• Government-issued photo ID: Indonesian National Identity Card (KTP) or valid passport.
• Proof of address: A utility bill, bank statement, or official correspondence issued within the past three months, showing your registered name and residential address.
• Payment method verification: Where required, documentation confirming ownership of the bank account or e-wallet used for deposits (e.g., screenshot of BCA, BRI, BNI, Mandiri, OVO, or DANA account showing your name).

ayowin aims to process KYC documentation within 48 hours of submission. Withdrawal requests will be placed on hold pending the completion of KYC. ayowin reserves the right to request additional documentation at any time and may suspend withdrawal access until satisfactory documentation is received.

ayowin accepts deposits in Indonesian Rupiah (IDR / Rp) via the following payment methods:

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

All deposits are credited to your account instantly upon confirmation of receipt. Minimum and maximum deposit amounts are displayed at the point of transaction and may vary by payment method. ayowin does not charge fees on deposits; however, your bank or e-wallet provider may apply their own transaction charges, for which ayowin accepts no responsibility.

All deposits must originate from a payment account registered in your own name. Third-party deposits are strictly prohibited. Any deposit identified as originating from a third-party account will be returned and the associated account may be suspended pending investigation.

Members may request withdrawals of available real-money balances at any time, subject to the following conditions:

• KYC verification must be completed prior to the first withdrawal and may be required again at any subsequent time.
• Withdrawals will only be processed to a bank account or e-wallet registered in the Member's own name, matching the name on the ayowin account.
• Any active bonus wagering requirements must be satisfied before bonus-derived funds become withdrawable. Real-money balances deposited independently of a bonus are not subject to this restriction.
• Minimum withdrawal amounts apply and are displayed at the point of the withdrawal request.
• ayowin targets a withdrawal processing time of within 24 hours for all verified accounts. During periods of high volume, processing may take up to 48 hours.

ayowin reserves the right to conduct additional security and fraud checks before approving any withdrawal request. Where such checks are required, the Member will be notified and any applicable processing timeline will be extended accordingly. Suspected fraudulent withdrawals may be reported to the relevant financial authorities.

ayowin offers a range of bonuses and promotional offers to eligible Members. All bonuses are subject to the following general conditions, as well as any specific terms communicated at the time the bonus is offered:

• Each bonus offer is limited to one per Member, per household, per IP address, and per device, unless explicitly stated otherwise.
• Bonuses are non-transferable and have no cash value until all applicable wagering requirements have been met.
• Wagering requirements, where applicable, must be completed within the time window specified in the bonus-specific terms. Failure to meet wagering requirements within the allotted period will result in the bonus and any associated winnings being forfeited.
• ayowin reserves the right to withdraw, amend, or cancel any bonus offer at any time and without prior notice.
• Bonuses obtained by exploiting platform errors, technical glitches, or through coordinated bonus abuse activity will be voided and the associated account may be permanently suspended.
• Certain games may be excluded from, or contribute at a reduced rate toward, wagering requirements. Full details are available in the specific bonus terms.

All sports betting, casino gaming, togel (Indonesia's traditional numbers lottery) draws, and other wagering activity conducted on the ayowin platform is subject to the following general betting rules:

• All bets are final once confirmed. ayowin does not accept requests to cancel or amend confirmed bets except where the Company identifies a clear pricing error or system fault that materially affected the odds displayed.
• In the event of a manifest error in odds or game outcomes caused by a technical malfunction, ayowin reserves the right to void the affected bets and return stakes at its sole discretion.
• For sports betting, including mix parlay (accumulator) bets and Asian handicap markets, the official result declared by the relevant governing body (e.g., BRI Liga 1, EPL, La Liga, Serie A, FIFA) will be used to settle bets. Results declared by ayowin's sportsbook operations team are final.
• Minimum and maximum stake limits apply per bet type and are displayed at the point of placing each wager.
• ayowin reserves the right to limit bet sizes or restrict certain bet types for any Member account where it has reasonable grounds to believe unusual or potentially fraudulent wagering activity is occurring.
• All game outcomes for casino and slot products are generated by certified Random Number Generator (RNG) systems. Published Return to Player (RTP) percentages are accurate and reflect long-run theoretical returns.

The following actions constitute Prohibited Conduct and may result in immediate account suspension, permanent termination, and forfeiture of all account balances:

• Registering more than one account, whether under your own name or any alias.
• Providing false, misleading, or fraudulent information during registration or KYC verification.
• Using the platform while under 21 years of age.
• Engaging in any form of match-fixing, collusion, or corrupt wagering in relation to sporting events.
• Using automated betting software, bots, scripts, or any artificial intelligence tool to gain an unfair advantage over other players or the house.
• Exploiting software bugs, RNG anomalies, or platform errors for financial gain. Any winnings derived from such exploitation will be voided.
• Abusing bonus structures through coordinated multi-account play, arbitrage, or any other form of systematic bonus harvesting.
• Depositing funds derived from criminal activity, including but not limited to money laundering or fraud.
• Threatening, harassing, or abusing ayowin staff or other platform users.
• Sharing account credentials with any third party or allowing any third party to access your account.

ayowin cooperates fully with law enforcement agencies in the investigation of financial crimes. Where evidence of criminal activity is identified, relevant information may be disclosed to the appropriate Indonesian or international authorities.

All content on the ayowin platform — including but not limited to software, source code, game assets, graphics, logos, trademarks, text, data, and audiovisual materials — is the exclusive property of ayowin or its licensors and is protected by applicable intellectual property law.

Members are granted a limited, non-exclusive, non-transferable, revocable license to access and use the platform for personal, non-commercial recreational purposes only. This license does not permit:

• Copying, reproducing, distributing, or publicly displaying any platform content without prior written authorization.
• Reverse engineering, decompiling, or disassembling any platform software.
• Using ayowin's trademarks, logos, or brand assets in any context outside the platform without written permission.
• Creating derivative works based on any platform content.

Any unauthorized use of ayowin's intellectual property will result in immediate account termination and may give rise to legal action.

To the maximum extent permitted by applicable law, ayowin's total liability to any Member in connection with the Services — whether in contract, tort, negligence, or otherwise — shall not exceed the total amount of real-money funds deposited by that Member in the 30 days preceding the event giving rise to the claim.

ayowin expressly excludes liability for:

• Loss of profits, loss of revenue, loss of data, or any indirect, special, or consequential losses arising from the use of or inability to use the Services.
• Platform downtime, technical errors, or interruptions to service caused by factors beyond ayowin's reasonable control, including but not limited to internet outages, server failures, and acts of God.
• Losses resulting from unauthorized access to a Member's account where the Member failed to maintain the security of their credentials.
• Delays in deposit crediting or withdrawal processing caused by third-party banking institutions, including BCA, BRI, BNI, Mandiri, and other Indonesian banks or e-wallet providers.
• Decisions made by a Member under the influence of alcohol, controlled substances, or any other impairment.

Nothing in these Terms & Conditions excludes or limits ayowin's liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

ayowin reserves the right to suspend or permanently close any Member account at any time and without prior notice where:

• The Member has engaged in Prohibited Conduct as defined in Clause 10.
• KYC verification cannot be completed to ayowin's satisfaction within a reasonable timeframe.
• The Company has reasonable grounds to suspect fraud, money laundering, or other criminal activity.
• The Member has breached any provision of these Terms & Conditions.
• ayowin is required to do so by a regulatory authority or law enforcement agency.

Members may also voluntarily close their account at any time by contacting support. Upon voluntary closure, any remaining real-money balance will be returned to the Member's verified payment method within 5 business days, subject to completion of any outstanding KYC requirements. Bonus balances that have not met wagering requirements will be forfeited upon account closure.

ayowin collects, processes, and stores personal data in accordance with its Privacy Policy, which is available at /privacy-policy and is incorporated into these Terms & Conditions by reference. By registering an account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Key data-handling principles applied by ayowin include:

• Personal data is collected only for legitimate operational purposes, including account management, fraud prevention, KYC compliance, and customer support.
• Data is not sold to third parties. It may be shared with payment processors, KYC verification service providers, and regulatory bodies where legally required.
• All data in transit and at rest is protected by 256-bit SSL encryption.
• Members may request access to, correction of, or deletion of their personal data by contacting support, subject to any legal retention obligations.

ayowin is committed to promoting responsible gaming. The platform provides the following tools and resources for Members who wish to manage their play:

• Deposit Limits: Set daily, weekly, or monthly deposit caps on your account.
• Loss Limits: Define the maximum amount you are prepared to lose within a specified period.
• Session Time Reminders: Set reminders to alert you when you have been playing for a defined length of time.
• Cooling-Off Period: Temporarily suspend your account for a period of your choosing (24 hours to 6 weeks).
• Self-Exclusion: Permanently exclude yourself from the ayowin platform. Self-exclusion requests are irreversible for the minimum exclusion period.

Full details of ayowin's responsible gaming program, including guidance on recognizing problem gambling and accessing professional support organizations, are available on the Responsible Gaming page at /responsible-gaming. If you feel that gambling is negatively affecting your life, please contact our support team immediately at [email protected].

ayowin reserves the right to amend, update, or replace these Terms & Conditions at any time. Where a material change is made, we will notify Members by posting the updated Terms & Conditions on the platform with a revised "Last Updated" date.

Your continued use of the ayowin platform following the posting of any amendment constitutes your acceptance of the revised Terms & Conditions. If you do not agree to any amendment, you must cease using the Services and may request account closure in accordance with Clause 13.

It is your responsibility to review these Terms & Conditions periodically to remain informed of any changes. ayowin recommends checking this page each time you log in to your account.

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which ayowin holds its international operating license. To the extent that Indonesian law applies to any aspect of the relationship between you and ayowin, both parties agree to submit to the non-exclusive jurisdiction of the competent courts of Indonesia for the resolution of any dispute.

In the event of any dispute arising from or in connection with these Terms & Conditions or the Services, the parties agree first to attempt to resolve the dispute through direct negotiation and, failing that, through binding arbitration conducted in English. The arbitral award shall be final and binding on both parties.

If any provision of these Terms & Conditions is held to be invalid, unlawful, or unenforceable, that provision shall be severed from the remaining Terms & Conditions, which shall continue in full force and effect.

If you have any questions, concerns, or complaints relating to these Terms & Conditions or the operation of the ayowin platform, please contact our support team using the details below. Our customer service agents, including native Indonesian-speaking staff, are available 24 hours a day, 7 days a week (WIB, UTC+7).

For responsible gaming support and self-exclusion requests, please reference our Responsible Gaming page at /responsible-gaming or contact support directly — self-exclusion requests submitted via email are actioned within 24 hours.