FreeKredit Terms & Conditions – Rules & Policies of the Malaysia Platform

1Introduction & Acceptance of Terms

The freekredit platform (https://freekredit.im) is an online entertainment platform offering casino games, Sports Betting, e-sports, table games, and a range of related entertainment services. The platform is operated by a company registered and licensed under a recognised jurisdiction.

These Terms and Conditions ("T&C") are written in Bahasa Malaysia for the convenience of Malaysian members. In the event of any inconsistency between the Bahasa Malaysia version and any other language version (if available), the English version shall take precedence for legal interpretation.

By using the freekredit platform, you confirm that:

• You have read and fully understood these Terms & Conditions;
• You are at least 18 years of age and have full legal capacity to enter into this agreement;
• Online gambling is not prohibited by law in your place of residence;
• You are using this platform on your own behalf and not as an agent or representative of any third party;
• All information you provide to freekredit must be true, accurate, and up to date.

2Member Eligibility

To register and use the freekredit platform, you must meet the following eligibility requirements:

• Age: You must be at least 18 years old. FreeKredit enforces a strict anti-underage gambling policy and reserves the right to request proof of age at any time.
• Location: The freekredit platform is accessible from Malaysia. It is your responsibility to ensure that your use of this service does not violate the laws of your place of residence.
• Legal Capacity: You must have full legal capacity to enter into a binding agreement. Individuals who have been declared bankrupt or are subject to insolvency proceedings are not permitted to register.
• One Account: Each individual is permitted to hold only one (1) active account on the freekredit platform. Opening multiple accounts is a serious violation of these T&C.
• Employee Exclusion: Employees, contractors, and immediate family members of employees of the company operating freekredit are not permitted to register as members.

3Registration & Account Management

The freekredit account registration process requires you to provide truthful and complete information. Details required during registration include:

• Full name as per Malaysian identity card or passport;
• An active Malaysian phone number for OTP verification;
• A valid and active email address;
• A strong password in accordance with freekredit's security guidelines;
• Date of birth for age verification.

You are solely responsible for maintaining the security of your password and account login credentials. FreeKredit will never ask for your password via email, phone, or live chat. Any activity that occurs through your account is considered to have been carried out by you, unless you have reported a compromised account to us.

An Identity Verification (KYC) process may be required before your first withdrawal or when your account reaches certain transaction thresholds. Documents that may be requested include:

• Copy of Malaysian identity card (MyKad) or passport;
• Most recent bank statement (not older than 3 months) for payment method verification;
• Proof of address, if required.

4Deposits & Payment Methods

FreeKredit accepts a variety of local Malaysian payment methods to make your deposit process as convenient as possible. All deposits are processed in Malaysian Ringgit (RM).

All deposit transactions are final once credited to your freekredit account. Failed or delayed deposits caused by issues on the payment provider's end cannot be held against freekredit. In such cases, please contact our support team with proof of the transaction.

5Fund Withdrawal

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

• Minimum withdrawal: RM30 per withdrawal transaction;
• Maximum daily withdrawal: RM50,000 for standard members; higher limits for VIP members based on tier;
• KYC Verification: The first withdrawal requires full identity verification before it can be processed;
• Withdrawal method: Funds may only be withdrawn to the same payment method used for the deposit (in most cases), subject to anti-money laundering policies;
• Processing time: 30 minutes for VIP Diamond members; 4–24 hours for standard members, subject to the finance team's workload.

FreeKredit reserves the right to request additional verification or place a hold on withdrawals for anti-money laundering (AML) compliance purposes. Any withdrawal involving suspicious activity will be investigated and may be reported to the relevant authorities.

6Bonuses, Promotions & Special Offers

FreeKredit offers a range of bonuses and promotions for both new and existing members. All bonuses are subject to the specific terms and conditions stated alongside each offer. The general terms applicable to all freekredit bonuses are as follows:

• Wagering requirement: Unless stated otherwise, bonuses must be wagered the specified number of times (typically 20x–35x the bonus value) before a withdrawal can be made. Example: A RM100 bonus with 20x wagering = RM2,000 must be wagered;
• Validity period: Each bonus has a set validity period (typically 7–30 days from the date of crediting). Bonuses not used within this period will expire automatically;
• Bonus withdrawal limit: Some bonuses have a maximum withdrawal cap. Any winnings exceeding this limit derived from bonus play will be forfeited;
• Game eligibility: Not all games contribute equally towards wagering requirements. Slots typically contribute 100%, while table games such as Blackjack and Baccarat may contribute only 10%–20%;
• One bonus at a time: Only one active bonus is permitted at a time unless otherwise stated in the relevant promotion's terms;
• Bonus abuse prohibition: Any attempt to exploit or abuse the freekredit bonus system will result in the cancellation of all bonuses and may lead to account closure.

7General Game Rules

All games offered on the freekredit platform are operated in accordance with the following rules:

• All game results are final. FreeKredit is not liable for any losses arising from valid game outcomes;
• In the event of a technical failure during a gaming session, any affected bets will be returned to your account balance. Winnings obtained during a confirmed technical disruption will not be paid out;
• The use of bots, automation software, or any tool that provides an unfair advantage is strictly prohibited;
• FreeKredit reserves the right to void any bet or round suspected to have occurred as a result of a software bug, odds display error, or other exceptional circumstances;
• For freekredit Sports Betting, all results are based on the official decisions of the relevant sporting bodies (e.g., Liga Super Malaysia, the EPL governing body, BWF for badminton). Results declared by these bodies are final.

Any dispute relating to game results must be reported to the freekredit support team within 72 hours from the date of the incident. Disputes submitted after this period may not be processed.

8Account Security & Data Protection

Your account security is a shared responsibility. FreeKredit implements the following security measures on our end:

• 256-bit SSL encryption for all data transmitted between your device and freekredit's servers;
• Two-factor authentication (2FA) is available and recommended for all accounts;
• Real-time monitoring of suspicious activity;
• Passwords are stored using a hashing method that cannot be decrypted, even by freekredit staff.

As a member, your responsibilities include:

• Do not share your password or login credentials with anyone;
• Log out of your account when using a public or shared device;
• Notify freekredit immediately if you suspect your account has been accessed without authorisation;
• Use a strong password and change it regularly.

9Prohibited Activities & Restrictions

The following activities are strictly prohibited on the freekredit platform and may result in immediate account suspension or closure, freezing of funds, and legal action where applicable:

• Registering more than one account (multi-accounting), whether under your own name or using another person's identity;
• Money laundering through the freekredit platform — all transactions are monitored for AML compliance;
• The use of bots, automation software, or any technical method to gain an unfair advantage in gameplay;
• Exploiting bugs or software vulnerabilities — any member who discovers a bug is required to report it to freekredit and must not exploit it;
• Bonus or promotion abuse, including opening multiple accounts to claim bonuses repeatedly;
• Use of a VPN or proxy to conceal your actual location in order to bypass geographical restrictions;
• Any form of fraud, document forgery, or submission of false information during registration or the KYC process.

10Account Suspension & Closure

FreeKredit reserves the right to suspend or close the account of any member for the following reasons:

• Breach of any terms set out in this T&C document;
• Failed identity verification or refusal to submit required KYC documents;
• Activities suspected to involve money laundering or terrorism financing;
• Self-exclusion requests made by the member through the responsible gaming programme;
• Instructions from relevant legal authorities or regulatory bodies.

Members may also close their own account at any time by contacting the freekredit support team. For accounts closed at the member's request with no T&C violations, any valid cash balance (excluding bonus balances that have not met wagering requirements) will be returned to the member via a suitable payment method within 5–10 business days.

11Responsible Gaming

FreeKredit is committed to responsible gaming and believes that entertainment should always remain just that — entertainment. We provide the following tools to help members play in a healthy and controlled manner:

• Deposit limit: Members may set daily, weekly, or monthly deposit limits through their account settings;
• Loss limit: Set loss limits to prevent spending beyond your means;
• Cooling-off period: Take a break from the platform for a period of 24 hours to 6 weeks;
• Self-exclusion: The option to permanently or temporarily self-exclude from all gambling activities on freekredit;
• Time reminder: A notification when you have been playing beyond your set time limit.

If you feel that gambling is beginning to affect your life or that of someone close to you, we encourage you to seek professional help. Please contact the freekredit support team for more information on assistance resources available in Malaysia.

12Amendments, Enforcement & Governing Law

FreeKredit reserves the right to amend, update, or add to any section of these Terms & Conditions at any time without prior notice. However, we will endeavour to inform members of material changes through:

• An in-platform notification upon your next login;
• An email to the address registered to your account;
• Update the "Updated" date at the top of this document.

Continued use of the freekredit platform after any amendments take effect will be deemed acceptance of the revised terms. If you do not agree with the changes, you have the right to close your account before the amendments come into effect.

These Terms & Conditions are governed by the laws applicable in the jurisdiction where freekredit is registered. Any dispute that cannot be resolved through mutual negotiation will be referred to arbitration in accordance with the procedures established by the platform.