Terms and Conditions naga99 —
Complete Platform User Guide

These Terms and Conditions ("Terms") govern the use of the platform, website, services, and all features provided by naga99 ("Platform"). This document should be read together with Privacy Policy and Responsible Gambling Policy our, all of which form the complete agreement between you and naga99.

By performing any of the following actions, you are deemed to have fully accepted these Terms:

• Registering a new account on the naga99 platform
• Log in to your existing account
• Making any deposit or withdrawal
• Using any game or service provided
• Claiming or using any bonus or promotion

If you disagree with any part of these Terms, please discontinue use of the platform and contact our support team to close your account.

To register and use the naga99 platform, you must meet all of the following eligibility requirements at all times:

• Age: You must be at least 18 years of age at the time of registration. naga99 applies a strict KYC (Know Your Customer) process to verify the age of every new member.
• Legal Capacity: You must have full legal capacity to enter into a binding agreement under the laws applicable in your jurisdiction.
• One Account Only: Each individual is only permitted to hold one active account. Registering multiple accounts, whether under the same or different names, is strictly prohibited.
• Accurate Information: All information provided during registration and account updates must be accurate, complete, and up to date at all times.
• Personal Use: Your naga99 account is for your personal use only. You are strictly prohibited from granting access to your account to any third party.

During the registration process, you are required to provide complete and accurate personal information, including your full name, identification card number, date of birth, mobile phone number, and an active email address. This information is used for identity verification, payment processing, and account-related communications.

You are fully responsible for:

• Keeping your account password confidential at all times
• Do not share your login details with anyone, including family members
• Notifying naga99 immediately if you suspect your account has been accessed without authorization
• Ensuring all account information is current and accurate

Naga99 shall not be held liable for any losses arising from unauthorised access caused by a user's negligence in safeguarding their login credentials.

Naga99 accepts deposits via a range of local Malaysia payment methods including FPX, DuitNow QR, Touch 'n Go eWallet, GrabPay, and ShopeePay. All deposits are processed instantly upon confirmation from the payment provider.

Deposit terms and conditions are as follows:

• Your Own Account: All deposits must be made from a bank account or e-wallet registered in your own name. Deposits from third-party accounts are not accepted.
• Minimum Amount: The minimum deposit amount is as stated on the deposit page at the time of the transaction. This amount is subject to change without prior notice.
• No Additional Charges: naga99 does not charge processing fees on deposits. However, your bank or e-wallet provider may impose charges that are beyond our control.
• Net Funds: naga99 only accepts funds obtained through lawful means. Deposits suspected of originating from illegal activities will be reported to the relevant authorities.

Naga99 is committed to processing all valid withdrawals within 5 to 15 minutes for local Malaysia payment methods. Withdrawals will only be processed to a verified account held in your name.

Withdrawal conditions you need to know:

• Mandatory KYC Verification: The first withdrawal requires completed KYC verification. Once verified, subsequent withdrawals are processed faster.
• Wagering Requirement: If there is an active bonus in your account, the associated wagering requirements must be met before a withdrawal can be processed.
• Withdrawal Limit: Daily and weekly withdrawal limits are set according to your account level. VIP members enjoy higher withdrawal limits.
• Security Check: naga99 reserves the right to conduct additional security checks on withdrawals deemed unusual. This may extend processing time by up to 48 business hours.

Naga99 offers a variety of bonuses and promotions to new and existing members from time to time. All bonus offers are subject to specific terms stated in each respective promotion, and those terms should be read together with these general Terms.

General principles that apply to all naga99 bonuses:

• Each bonus may only be claimed once unless otherwise stated in the relevant promotion terms.
• Bonuses cannot be converted directly to cash without meeting the specified wagering requirements.
• The wagering requirement is calculated based on the total bonus received, not your deposit amount.
• Naga99 reserves the right to cancel any bonus suspected of being obtained through fraud, exploitation, or a breach of terms.
• Unused bonuses within the designated validity period will expire automatically.
• If you wish to opt out of a bonus, please contact our customer support before placing any wagers using those funds.

All games available on the naga99 platform are operated by internationally licensed software providers and use a Random Number Generator (RNG) that has been independently verified and audited. This ensures that every game outcome is fair, random, and cannot be manipulated by any party.

Basic rules that apply to all games on naga99:

• Recorded game results are final and cannot be disputed unless there is clear evidence of a technical failure.
• In the event of a technical disruption during gameplay, any wagers involved will be voided and the funds returned to your account.
• The use of automated software, bots, scripts, or any tool that assists in gameplay is strictly prohibited.
• Naga99 reserves the right to void any bets suspected of violating game rules or exploiting software bugs.

The RTP (Return to Player) value for each game is provided by its respective developer and can be found in the game's information section. naga99 does not alter the RTP values set by licensed providers.

Naga99 expects all members to conduct themselves courteously and ethically while using our platform, especially in Live Casino games involving dealers and other players in real time.

The following conduct is strictly prohibited on the naga99 platform:

• Using abusive, threatening, or discriminatory language in the live chat or any communication channel
• Sharing or distributing another user's personal information without their consent
• Spreading misleading, false, or deceptive content intended to deceive other players
• Engaging in any form of collusion, meaning cooperating with other players to gain an unfair advantage
• Placing opposing bets (hedging) within the same or different games to fraudulently fulfil bonus wagering requirements

Naga99 continuously monitors gaming activity and reserves the right to take action — including warnings, temporary suspension, or permanent account closure — against any user who violates these rules.

Naga99 reserves the right to suspend or close a user's account without prior notice in the following situations:

• Violation of any part of these Terms and Conditions
• Confirmation that the user is under 18 years of age
• Providing false or misleading information during registration or the KYC process
• Suspected fraudulent activity, money laundering, or other illegal activities
• Attempting to hack, attack, or disrupt the platform
• Use of unauthorised software to gain an advantage in games

If an account is closed due to a Terms violation, naga99 reserves the right to forfeit all bonuses and winnings obtained through the relevant activity. The original deposit balance may be returned at naga99's discretion after the investigation is complete.

You may also close your own account at any time by contacting our customer support team. All valid balances will be processed for withdrawal once a full review is completed.

The naga99 platform is provided on an "as-is" and "as-available" basis. While we strive to maintain platform availability at 99.8% or higher, naga99 makes no guarantee that the platform will always be free from interruptions, errors, or technical disruptions.

Naga99 shall not be held liable for:

• Loss of winnings that could not be played out due to technical disruptions beyond our control
• Processing delays caused by third parties such as banks or e-wallet providers
• Unauthorized account access resulting from the user's negligence in safeguarding their login credentials
• Losses resulting from fair and legitimate game outcomes
• Damages or losses resulting from use of the platform in violation of these Terms

Naga99 takes the protection of your personal data seriously and operates in full compliance with Malaysia's Personal Data Protection Act (PDPA). All data you provide is protected with 256-bit SSL encryption and used only for the stated purposes.

Your data is used solely for the following purposes:

• Identity verification and KYC compliance
• Deposit and withdrawal processing
• Account-related communications, promotions, and platform updates
• Fraud prevention and legal compliance
• Improvement of user experience and service quality

Your data will not be sold, shared, or transferred to third parties without your consent, except where required by law or a competent authority. For more information, please refer to Privacy Policy our complete.

Naga99 reserves the right to amend, update, or replace any part of these Terms and Conditions at any time without requiring your prior consent. Amendments take effect immediately upon being posted on the platform unless a different effective date is specified.

You are advised to:

• Reviewing this Terms and Conditions page periodically to stay informed of any latest changes
• Reading notices posted on the platform whenever material amendments are made to these Terms
• Contacting customer support if you require clarification on any amended section of the Terms

Continued use of the naga99 platform following any amendment to these Terms constitutes your acceptance of the updated Terms. If you do not agree with the amendment, you have the right to close your account and withdraw your available balance.