Terms & Conditions

1. Definitions

In these Terms and Conditions, unless the context otherwise requires:

• "pk95", "we", "us", "our" refers to the pk95 gaming platform operated under the domain pk95.cam and all associated services.
• "User", "you", "your", "Player" refers to any individual who registers an account and uses the pk95 services.
• "Account" refers to the personal gaming account created by a User on the pk95 platform.
• "Services" refers to all gaming services provided by pk95, including but not limited to sports betting, casino games, live dealer games, togel (lottery draws), and other gambling activities.
• "Website" refers to pk95.cam and all associated subdomains and mobile applications.
• "Terms" refers to these Terms and Conditions as amended from time to time.
• "Bonus" refers to any promotional credit, free bet, cashback, or other incentive offered by pk95 to Users.
• "Wagering Requirement" refers to the number of times a Bonus amount must be wagered before it can be withdrawn as cash.
• "RTP" refers to Return to Player, the theoretical percentage of total bets that a game returns to players over time.

2. Acceptance of Terms

By registering an account, accessing the Website, or using any pk95 Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not agree with any part of these Terms, you must immediately cease using our Services and close your account.

pk95 reserves the right to modify, amend, or update these Terms at any time without prior notice. Changes will be effective immediately upon posting to the Website. Your continued use of the Services after any such changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

These Terms should be read in conjunction with our Privacy Policy and Responsible Gaming Policy, which are incorporated by reference.

3. Eligibility & Age Restriction

To register an account and use pk95 Services, you must meet all of the following eligibility requirements:

• Age: You must be at least 21 years of age. pk95 strictly prohibits underage gambling. We reserve the right to request proof of age at any time and may suspend or terminate accounts that fail to provide satisfactory documentation.
• Jurisdiction: You must be a resident of Indonesia or a jurisdiction where online gambling is not prohibited by law. It is your sole responsibility to ensure that your use of pk95 Services complies with all applicable local, state, and national laws.
• Legal Capacity: You must have the legal capacity to enter into a binding contract. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind such entity.
• Single Account: You may only register one account per person, per household, per IP address, and per device. Creating multiple accounts is strictly prohibited and may result in all accounts being suspended and balances forfeited.
• Excluded Persons: You must not be a person who has been previously excluded or banned from pk95 or any of our affiliated platforms. You must not be a person listed on any self-exclusion register.

4. Account Registration

To access pk95 Services, you must create a personal account by providing accurate, complete, and up-to-date information. You agree to:

• Provide your real name, date of birth, address, email address, and phone number as they appear on your official identification documents.
• Choose a secure password and keep it confidential. You are solely responsible for all activities that occur under your account.
• Notify pk95 immediately if you suspect unauthorized access to your account by contacting our support team.
• Not share your account credentials with any third party or allow others to use your account.
• Update your account information promptly if any details change.

4.1 KYC (Know Your Customer) Verification

pk95 is committed to preventing fraud, money laundering, and underage gambling. As part of our compliance obligations, we require all Users to complete KYC verification before processing withdrawals. You may be asked to provide:

• A clear, legible copy of your Indonesian National ID (KTP) or passport.
• Proof of address (utility bill, bank statement, or government document issued within the last three months).
• A selfie photograph holding your ID next to your face for identity confirmation.
• Source of funds documentation if your deposit or withdrawal activity exceeds certain thresholds.

KYC verification typically takes 1-24 hours. During this period, withdrawal requests may be pending. pk95 reserves the right to request additional documentation at any time to satisfy regulatory and compliance requirements.

5. Deposits and Withdrawals

5.1 Deposits

pk95 accepts deposits via multiple payment methods including Indonesian bank transfers (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI, Bank Permata), e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja), and cryptocurrency (USDT). All deposits are subject to the following conditions:

• Deposits must be made from a payment source registered in your own name. Third-party deposits are strictly prohibited and will be refunded minus any applicable fees.
• Minimum deposit amounts vary by payment method and are displayed at the time of deposit. Typically, the minimum is Rp 50,000 for bank transfers and Rp 20,000 for e-wallets.
• Deposits are typically processed instantly. In rare cases, delays may occur due to payment provider issues. If your deposit does not appear within 30 minutes, contact our support team.
• pk95 does not charge deposit fees. However, your bank or payment provider may impose their own transaction fees.

5.2 Withdrawals

You may request a withdrawal of your account balance at any time, subject to the following terms:

• Withdrawals can only be processed to a bank account or e-wallet registered in your own name and verified during KYC.
• Your account must be fully verified (KYC complete) before any withdrawal request is processed.
• Minimum withdrawal amount is Rp 100,000. Maximum withdrawal limits vary by VIP tier but are typically Rp 100,000,000 per transaction.
• Withdrawal processing time is 15 minutes to 2 hours during business hours (09:00 - 21:00 WIB, Monday to Sunday). Requests outside these hours will be processed the next business day.
• All bonuses must meet their wagering requirements before funds can be withdrawn. Attempting to withdraw bonus funds before meeting wagering requirements will result in bonus forfeiture.
• pk95 reserves the right to request additional verification or source of funds documentation for large withdrawals (exceeding Rp 50,000,000 in a 7-day period).
• Withdrawals are subject to anti-money laundering checks. We reserve the right to decline any withdrawal request that raises suspicion of fraudulent or illegal activity.

5.3 Currency

All transactions on pk95 are conducted in Indonesian Rupiah (IDR). If you deposit using a different currency, it will be converted to IDR at the prevailing exchange rate, and conversion fees may apply.

6. Bonuses and Promotions

pk95 offers various bonuses and promotions including welcome bonuses, deposit bonuses, cashback, free bets, and loyalty rewards. All bonuses are subject to specific terms and conditions, which will be clearly stated on the promotional page. By claiming a bonus, you agree to the following general terms:

• Wagering Requirements: All bonuses carry wagering requirements (typically 20x to 30x the bonus amount) that must be met before bonus funds can be converted to withdrawable cash. Wagering requirements vary by promotion and are clearly stated in the bonus terms.
• Game Contributions: Not all games contribute equally to wagering requirements. Slots typically contribute 100%, while table games (blackjack, roulette, baccarat) may contribute 10-20%, and some games may not contribute at all.
• Maximum Bet Limits: While wagering a bonus, maximum bet limits apply (typically Rp 50,000 per spin or bet). Exceeding the maximum bet may result in bonus forfeiture and voiding of winnings.
• Time Limits: Bonuses must be used within a specified validity period (typically 7-30 days from the date of issue). Unused bonuses will expire and be removed from your account.
• One Bonus Per User: Unless otherwise stated, you may only have one active bonus at a time. You may not combine multiple bonuses or promotions.
• Abuse Prevention: pk95 reserves the right to void bonuses and confiscate winnings if we detect bonus abuse, including but not limited to creating multiple accounts to claim bonuses, colluding with other players, or exploiting software bugs.

Detailed terms for each promotion are available on the respective promotional pages. It is your responsibility to read and understand these terms before claiming any bonus.

7. Gaming Rules

7.1 General Conduct

When using pk95 Services, you agree to:

• Play fairly and not use any cheating methods, bots, software exploits, or other unfair advantages.
• Not collude with other players or engage in any form of coordinated betting to manipulate outcomes.
• Accept that all game outcomes are determined by certified Random Number Generators (RNG) or live dealer results and are final.
• Not attempt to reverse engineer, decompile, or hack any pk95 software or systems.

7.2 Sports Betting

For sports betting services (football, basketball, tennis, etc.), the following rules apply:

• All bets are settled based on the official result declared by the governing sports body at the end of regular time, unless otherwise stated.
• If a match is postponed or abandoned, bets will be void unless otherwise stated in the specific sport's rules.
• pk95 reserves the right to void bets if we detect clear errors in odds, late bets placed after an event has started (unless live betting), or any other circumstances suggesting the bet was placed with unfair knowledge.

7.3 Casino Games & Slots

All casino games and slots use certified RNG technology to ensure fair and random outcomes. RTP percentages for each game are published on the game information page. pk95 does not manipulate game outcomes and has no control over individual results.

7.4 Togel (Lottery)

For togel services, results are based on official draw outcomes from recognized international lottery pools (Singapore, Hong Kong, Sydney, etc.). pk95 does not conduct its own draws and has no influence over results. All bets are final once placed and cannot be cancelled.

8. Prohibited Activities

The following activities are strictly prohibited and may result in immediate account termination, balance forfeiture, and legal action:

• Creating multiple accounts to abuse bonuses or circumvent restrictions.
• Using pk95 Services for money laundering, fraud, or any illegal purpose.
• Depositing funds from stolen credit cards, hacked bank accounts, or other fraudulent sources.
• Colluding with other players, sharing information in live dealer games, or coordinating bets to manipulate outcomes.
• Using automated betting software, bots, scripts, or third-party tools to place bets.
• Exploiting software bugs, glitches, or errors to gain unfair advantage.
• Harassing, threatening, or abusing pk95 staff or other players.
• Providing false or misleading information during registration or KYC verification.
• Attempting to reverse or dispute legitimate transactions (chargebacks) after receiving gaming services.

pk95 employs advanced fraud detection systems and monitors all account activity. Suspicious behavior will be investigated, and appropriate action will be taken.

9. Limitation of Liability

To the fullest extent permitted by law, pk95 and its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to your use of the Services, including but not limited to:

• Loss of funds due to your own actions, including placing losing bets, failing to meet wagering requirements, or violating these Terms.
• Technical failures, including server downtime, network interruptions, software bugs, or payment processing delays beyond our control.
• Unauthorized access to your account resulting from your failure to protect your login credentials.
• Changes to game availability, RTP percentages, or promotional terms.
• Suspension or termination of your account for violations of these Terms.

pk95 provides its Services "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Your sole remedy for dissatisfaction with the Services is to stop using them and close your account.

10. Account Termination

10.1 Termination by User

You may close your account at any time by contacting our customer support team. Upon closure, you must withdraw any remaining balance. Accounts with active bonuses or pending wagering requirements may have bonus funds forfeited upon closure.

10.2 Termination by pk95

pk95 reserves the right to suspend or terminate your account immediately, without prior notice, if:

• You violate any provision of these Terms.
• We suspect fraudulent, illegal, or abusive activity.
• You provide false information during registration or KYC.
• You fail to respond to KYC requests within the specified timeframe.
• We are required to do so by law, regulation, or court order.

Upon termination, any outstanding bonuses will be forfeited. Remaining balance may be returned to you after deducting any amounts owed to pk95, provided you have met all KYC requirements and there is no evidence of Terms violations.

11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with international online gaming standards and practices. Any disputes arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of a mutually agreed arbitration body.

Both parties agree to attempt to resolve disputes amicably through good-faith negotiations before resorting to formal arbitration. If a resolution cannot be reached within 30 days, either party may initiate arbitration proceedings.

You agree to waive any right to bring claims as part of a class action lawsuit and consent to individual arbitration of disputes.

12. Contact Information

If you have any questions, concerns, or complaints regarding these Terms or any aspect of pk95 Services, please contact our customer support team:

• Email: [email protected] (plain text display, not a clickable link)
• Live Chat: Available 24/7 on the pk95 website
• Support Hours: 24 hours a day, 7 days a week in WIB timezone

Our support team typically responds to email inquiries within 24 hours. For urgent matters, we recommend using the live chat feature for immediate assistance.