Terms & Conditions

Definitions

For the purposes of these Terms & Conditions, the following terms shall carry the meanings set out below unless context requires otherwise:

Acceptance of Terms

By accessing the Platform, creating an Account, or placing any wager through vip5, you confirm that you have read, understood, and unconditionally agree to be bound by these Terms. If you do not agree to any provision of these Terms, you must immediately cease using the Platform.

These Terms constitute a legally binding agreement between you and vip5. They apply in addition to any game-specific rules, promotional terms, or special conditions posted on the Platform from time to time. In the event of any conflict between these Terms and game-specific rules, these Terms shall prevail unless the game-specific rules explicitly state otherwise.

Eligibility

To register an Account and use the vip5 Platform, you must satisfy all of the following conditions at all times:

1. You are a natural person (not a corporation, trust, or other legal entity).
2. You are at least 21 years of age. vip5 does not permit persons under 21 to register or wager on the Platform under any circumstances.
3. You are accessing the Platform from a jurisdiction in which doing so is not prohibited by applicable law. You are solely responsible for determining the legality of online gambling in your jurisdiction.
4. You are not an employee, director, officer, or agent of vip5, nor are you a close family member or household member of any such person.
5. You have not been self-excluded from vip5 or subject to any voluntary or mandatory exclusion order that remains in effect.
6. You have the full legal capacity to enter into binding contracts in your jurisdiction of residence.

vip5 reserves the right to request documentary proof of eligibility — including proof of age, identity, and residential address — from any Player at any time without prior notice.

Account Registration

Each individual Player may hold only one Account on the Platform at any time. The creation of duplicate, multiple, or shared Accounts is strictly prohibited and will result in the closure of all associated Accounts and the forfeiture of any associated balances.

4.1 Registration Information

When creating an Account, you must provide accurate, complete, and current information, including but not limited to:

• Your full legal name (as it appears on your national identity card or passport);
• Your date of birth;
• A valid and active email address that you own and control;
• A valid mobile phone number registered in your name;
• Your residential address in Indonesia (city and province at minimum);
• A username and secure password of your choosing.

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your Account credentials. vip5 strongly recommends enabling two-factor authentication (2FA) on your Account. You must notify vip5 immediately if you suspect any unauthorized access to your Account. vip5 accepts no liability for losses arising from your failure to safeguard your login credentials.

4.3 Account Suspension and Closure

vip5 reserves the right to suspend, restrict, or permanently close any Account — with or without prior notice — where it has reasonable grounds to believe that:

• The Account holder has breached any provision of these Terms;
• The Account has been used in connection with fraudulent, illegal, or abusive activity;
• The Account holder is ineligible to hold an Account under Clause 3;
• Continuation of the Account poses a financial, reputational, or regulatory risk to vip5.

A Player wishing to voluntarily close their Account may do so by contacting vip5 support. Any Real Money Balance remaining at the time of voluntary closure will be returned to the Player's verified payment method, subject to applicable KYC clearance.

KYC & Identity Verification

vip5 is committed to operating in compliance with international anti-money laundering (AML) and counter-terrorism financing (CTF) standards. As part of this commitment, all Players are required to complete a Know Your Customer (KYC) verification process before their first withdrawal is processed.

5.1 Required Documents

vip5 may request any combination of the following documents to verify a Player's identity, age, and residential address:

• Proof of Identity: Indonesian National Identity Card (KTP), valid passport, or driver's license (SIM);
• Proof of Age: Any government-issued document displaying your date of birth;
• Proof of Address: Utility bill, bank statement, or official government correspondence dated within the last 90 days showing your name and residential address;
• Proof of Payment Method: A photo or screenshot of the bank account or e-wallet used to deposit, confirming that the account is in the Player's own name.

5.2 Verification Timeline

vip5 will endeavor to complete KYC reviews within 24–48 hours of receiving complete documentation. Withdrawal processing will remain on hold until verification is successfully completed. Players who fail to provide satisfactory documentation within 30 days of a KYC request may have their Account suspended pending resolution.

Deposits

All deposits on the vip5 Platform are denominated in Indonesian Rupiah (IDR / Rp). The minimum deposit amount is Rp 10.000. There is no maximum single deposit limit unless otherwise communicated in writing by vip5 to a specific Player.

6.1 Accepted Deposit Methods

vip5 currently accepts deposits via the following methods, all with zero processing fees charged by vip5:

• Local bank transfer: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, BSI;
• E-wallets: OVO, DANA, GoPay, ShopeePay, LinkAja.

6.2 Deposit Processing

Deposits made via local bank transfer are typically credited to a Player's Account within 5–15 minutes of the transfer being confirmed by vip5's payment system. E-wallet deposits are generally credited instantly. vip5 is not responsible for delays caused by the Player's bank or e-wallet provider.

6.3 Deposit Restrictions

Players must only deposit funds from payment accounts held in their own name. Third-party deposits are strictly prohibited. vip5 reserves the right to reverse any deposit identified as originating from a third party and may suspend the associated Account pending investigation. Deposited funds may only be used for legitimate wagering activity on the Platform.

Withdrawals

Players may submit a withdrawal request at any time, provided their Account is in good standing, KYC verification has been completed, and no pending disputes or investigations are attached to the Account.

7.1 Withdrawal Processing Times

vip5 targets an average withdrawal processing time of under three minutes for all standard withdrawal requests to Indonesian bank accounts and e-wallets. Processing is available 24 hours a day, 7 days a week, including Indonesian public holidays. In exceptional circumstances — such as high-volume periods, system maintenance, or enhanced due diligence reviews — processing may take up to 24 hours.

7.2 Minimum and Maximum Withdrawals

• Minimum withdrawal: Rp 50.000 per transaction;
• Maximum withdrawal per transaction: Rp 50.000.000 (standard Players) — higher limits apply to VIP members as detailed in the VIP Program Terms;
• Maximum withdrawal per day: Rp 100.000.000 for standard accounts.

7.3 Withdrawal Method

Withdrawals must be made to the same payment method used for the most recent deposit, unless vip5 approves an alternative method in writing. This requirement exists to prevent money laundering and to ensure funds are returned to their verified source. Any withdrawal request to an unverified or third-party account will be declined.

7.4 Wagering Requirements Prior to Withdrawal

A Player who has accepted a bonus must fulfill the applicable wagering requirement on the total of their Real Money Balance plus Bonus Balance before requesting a withdrawal. Attempting to withdraw without meeting wagering requirements will result in the Bonus Balance and any associated winnings being forfeited.

Bonuses & Promotions

vip5 offers a range of promotional bonuses to new and existing Players. All bonuses are subject to the specific terms communicated at the point of offer, as well as the general provisions set out in this Clause 8.

8.1 General Bonus Conditions

• Bonuses are credited to a Player's Bonus Balance and cannot be directly withdrawn;
• The standard wagering requirement for all welcome bonuses is 20× (twenty times) the bonus amount, unless a specific promotion states otherwise;
• Wagering must be completed within 30 calendar days of the bonus being credited, after which any unused Bonus Balance will expire and be removed from the Account;
• Only wagers placed on eligible games contribute toward bonus wagering requirements. Sports betting typically contributes at 100%; certain slot games contribute at varying rates; live dealer games and togel (numbers lottery) games may contribute at 10% or less — exact contribution rates are stated on each promotion page;
• Maximum bet per spin or per wager while a bonus is active is Rp 200.000. Bets exceeding this limit during an active bonus may result in the Bonus Balance and associated winnings being voided;
• vip5 reserves the right to decline, modify, or revoke any bonus at any time if it determines that the bonus has been claimed in a manner inconsistent with these Terms.

8.2 Bonus Abuse

Any Player found to be systematically exploiting bonus offers — including but not limited to opening multiple Accounts to claim bonuses repeatedly, placing low-risk hedging bets designed to clear wagering requirements without genuine play, or colluding with other Players — will have all bonuses forfeited, their Account suspended, and may be reported to relevant authorities.

8.3 VIP Loyalty Program

vip5 operates a six-tier VIP loyalty program — from Bronze through to Black Diamond — that rewards consistent, genuine wagering activity. VIP tier benefits, including enhanced withdrawal limits, cashback rates, birthday bonuses, and personal account managers, are governed by the separate VIP Program Terms published on the Platform.

Game Rules & Betting

Each game category available on the vip5 Platform is subject to specific rules that Players are expected to read and understand before participating. The following general provisions apply across all game types.

9.1 Sports Betting

vip5 offers pre-match and live betting markets on a wide range of sporting events, including BRI Liga 1, EPL, La Liga, Serie A, Bundesliga, the Champions League, Piala AFF, badminton (Thomas Cup, All England), MotoGP at the Mandalika circuit, and E-sports (Mobile Legends MPL, PUBG Mobile, Free Fire). Bandar bola (football bookmaking) and mix parlay (accumulator betting) markets are available. Odds may change at any time before or during an event. Once a bet is accepted and confirmed, it is final and cannot be reversed except in specific circumstances set out in the sports betting rules (e.g., event abandonment, void markets).

9.2 Casino & Slots

All RNG-based casino and slot games on vip5 use certified random number generators audited by independent third-party testing agencies. Slot gacor (high-frequency payout slot) titles and standard slots both operate under certified RNG systems. Return-to-player (RTP) percentages are disclosed within each game's information panel. vip5 does not and cannot manipulate game outcomes.

9.3 Togel & Lottery

Togel (Indonesia's traditional numbers lottery) draws on the vip5 Platform use certified random draw mechanisms. Draw times and result announcements follow the schedule published on the Platform. Any dispute regarding a draw result must be raised with support within 24 hours of result publication.

9.4 Live Dealer Games

Live dealer games are streamed in real time and are subject to the rules of the relevant game (baccarat, roulette, blackjack, etc.) as administered by the live dealer studio — principally Evolution Gaming. vip5 is not the game operator for live dealer content; any technical issues occurring within the live studio environment are subject to the studio provider's dispute resolution procedures.

9.5 Void Bets and Cancellations

vip5 reserves the right to void any bet placed as a result of a manifest error in odds, pricing, or game configuration. Where a bet is voided, the original stake will be returned to the Player's Real Money Balance. vip5 will not honor winnings derived from obvious pricing errors regardless of when the error is identified.

Prohibited Conduct

The following conduct is strictly prohibited on the vip5 Platform. Engaging in any of the following may result in immediate Account suspension, forfeiture of balances, and referral to law enforcement authorities:

• Providing false, incomplete, or misleading information during registration or KYC;
• Opening or operating more than one Account, whether personally or through a proxy;
• Using the Platform to launder money or process funds derived from illegal activity;
• Engaging in collusion, match-fixing, or any form of coordinated betting strategy designed to defraud vip5 or other Players;
• Using automated software, bots, scrapers, or any non-human means to access or interact with the Platform;
• Systematically exploiting bonus offers (bonus abuse) as described in Clause 8.2;
• Attempting to hack, reverse-engineer, or interfere with the Platform's technical infrastructure;
• Engaging in any form of harassment, abuse, or threatening behavior directed at vip5 staff or other Players.

Intellectual Property

All content on the vip5 Platform — including but not limited to the brand name, logo, website design, software, text, graphics, images, and game content — is the exclusive property of vip5 or its licensed content providers and is protected by applicable intellectual property laws.

Players are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal, non-commercial entertainment purposes. This license does not permit you to:

• Copy, reproduce, distribute, or publish any part of the Platform without prior written consent from vip5;
• Modify, adapt, translate, or create derivative works based on Platform content;
• Use any vip5 trademark, logo, or branding in any context without written authorization.

Any unauthorized use of vip5's intellectual property will constitute a material breach of these Terms and may expose you to civil and/or criminal liability.

Limitation of Liability

To the maximum extent permitted by applicable law, vip5 shall not be liable to any Player for:

• Any loss of profits, revenue, data, or business opportunity, whether direct or indirect;
• Any indirect, consequential, incidental, special, or punitive damages arising from use of or inability to use the Platform;
• Losses arising from technical failures, internet connectivity issues, or third-party service interruptions outside vip5's reasonable control;
• Losses resulting from a Player's failure to maintain the security of their Account credentials;
• Delays in deposit or withdrawal processing caused by a Player's bank or e-wallet provider.

vip5's total aggregate liability to any individual Player — for any cause whatsoever and regardless of the form of action — shall not exceed the total amount deposited by that Player in the 12 months immediately preceding the event giving rise to the claim.

Nothing in these Terms shall limit or exclude liability for death or personal injury caused by vip5's negligence, or for fraud or fraudulent misrepresentation on the part of vip5.

Privacy & Data

vip5's collection, use, storage, and protection of Player personal data is governed by the vip5 Privacy Policy, which is incorporated into these Terms by reference. By accepting these Terms, you also accept the Privacy Policy in its current form.

In summary, vip5 collects personal data for the purposes of Account operation, KYC compliance, fraud prevention, and service improvement. vip5 does not sell Player personal data to third parties for commercial purposes. For full details of your data rights and how to exercise them, please refer to the Privacy Policy.

Amendments to These Terms

vip5 reserves the right to revise, update, or replace any part of these Terms at any time. The date of the most recent revision is displayed at the top of this document. We will endeavor to provide reasonable advance notice of material changes — typically at least 7 days — via on-platform notifications and/or email.

Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must stop using the Platform and may request Account closure as described in Clause 4.3.

It is your responsibility to review these Terms periodically. vip5 will not be liable for any action taken in reliance on an outdated version of the Terms.

Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with international gaming law as applied under the jurisdiction of vip5's international gaming license. Any dispute arising from or in connection with these Terms — including any question regarding their existence, validity, or termination — shall first be referred to vip5's internal dispute resolution team.

15.1 Internal Dispute Resolution

Players who wish to raise a dispute must submit a written complaint to [email protected] with the subject line "Formal Dispute — [Account Username]". vip5 will acknowledge receipt within 24 hours and aim to provide a substantive response within 14 business days.

15.2 Escalation

If a dispute cannot be resolved through vip5's internal process, the matter may be escalated to the relevant licensing authority under vip5's international gaming license for independent adjudication. The decision of the licensing authority's adjudicator shall be final and binding on both parties.

15.3 Indonesia Market Context

Players accessing the Platform from Indonesia acknowledge that online gambling is subject to local legal restrictions and that they access the Platform at their own legal risk. vip5 makes no representation that the Platform is lawful in any specific Indonesian jurisdiction. It is the Player's sole responsibility to ensure compliance with any applicable local laws.

Contact Information

For any questions, concerns, or formal notices relating to these Terms & Conditions, please contact the vip5 support and compliance team through the following channels:

• Email (General Support): [email protected]
• Email (Compliance & Legal): [email protected]
• Support Hours: 24 hours a day, 7 days a week (08:00–24:00 WIB — Indonesian-speaking agents; overnight — English-speaking agents)
• Live Chat: Available directly through the Platform; average first-response time under 90 seconds

For questions about responsible gaming, self-exclusion, or deposit limits, please visit our dedicated Responsible Gaming page, or contact support directly — our team is trained to handle sensitive conversations with care and without judgment.