Terms and Conditions Free Kredit Malaysia

1 Introduction

Welcome to Free Kredit – an online gaming platform managed and operated by our company under a valid operating licence. This Terms and Conditions document ("Agreement") constitutes a legally binding contract between you ("Member" or "User") and Free Kredit ("Platform", "We").

By accessing our website at freekredit.onl, registering an account, making a deposit, or claiming any bonus including free kredit, or using any of our services, you expressly agree to be bound by all terms, conditions, policies, and guidelines contained in this document.

These terms are to be read together with Privacy Policy and Responsible Gaming Policy ours, which form the entire agreement between you and the platform.

2 Member Eligibility

To register and use the platform Free Kredit, you must fulfill all of the following eligibility requirements without exception:

• Be at least 18 years old on the date of registration.
• Being an individual who registers in their own name, not on behalf of another person or business entity.
• Not restricted by local or international laws from participating in online gaming activities.
• Not having previously had an account terminated due to a prior terms violation.
• Possessing full legal capacity to enter into binding contracts.

The Platform reserves the right to request identity verification documents at any time to ensure compliance with these eligibility requirements. Failure to provide the requested documents within the specified timeframe may result in temporary suspension or account termination.

3 Account Registration

Each individual is only permitted to hold one (1) active account on the platform Free Kredit. Registering multiple accounts using the same name, phone number, email address, bank account number, or IP address is strictly prohibited.

During registration, you are required to provide truthful, accurate, current, and complete information. The details to be provided include:

• Full name as per identification card or passport.
• An active and reachable mobile phone number.
• A valid and accessible email address.
• Bank account number registered in your own name.

The KYC (Know Your Customer) process is mandatory for all members before the first withdrawal is processed. Required documents may include a copy of your MyKad, passport, or other relevant supporting documents.

4 Deposits & Withdrawals

Free Kredit supports multiple local payment methods including FPX, Maybank, CIMB, Public Bank, Hong Leong Bank, Touch 'n Go eWallet, GrabPay, Boost, and USDT. All financial transactions are subject to the following conditions:

Deposit:

• The minimum deposit amount is RM 10 per transaction.
• Deposits are processed instantly or within 5 minutes depending on the payment method.
• The bank account used for deposits must be in the name of the registered member.
• The Platform is not responsible for delays caused by third-party banking systems.

Withdrawal:

• The minimum withdrawal amount is RM 30 per request.
• Confirmed withdrawals are processed within 3 to 5 minutes.
• Withdrawals may only be made to a bank account registered in the same member's name.
• The rollover requirements for each bonus must be fully completed before a withdrawal is approved.
• The Platform reserves the right to request additional verification before approving large withdrawal amounts.

5 Bonuses & Promotions

Free Kredit offers a wide variety of bonuses to members, including free kredit welcome bonus for new members, deposit bonuses, weekly cashback, and special seasonal promotions. All bonuses are subject to the following conditions:

• Each bonus has its own rollover requirements that must be completed before a withdrawal can be made.
• Bonuses may only be claimed once per eligibility unless otherwise stated in the relevant promotion's terms.
• Free kredit new members are only eligible for newly registered accounts that have never made a deposit before.
• Bonuses cannot be transferred between accounts or converted directly into cash.
• The Platform reserves the right to void any bonus if the stipulated conditions are not met or if there are indications of abuse.
• Existing promotions may be terminated or modified at any time without prior notice.

6 Game Rules

All games available on the platform Free Kredit – including Slots, Fish Shooting Games, Sports Betting, and bingo – are operated using a Random Number Generator (RNG) system certified by independent international bodies. This ensures every game is fair and cannot be manipulated by any party.

• The outcome of all games is final and cannot be disputed once completed.
• Any technical disruption during gameplay will be resolved based on the platform's system records, not on verbal claims made by players.
• Bets placed during a known system disruption or outage may be voided.
• Balances resulting from technical errors or system bugs are invalid and cannot be withdrawn.
• The Platform reserves the right to remove any game from its offering without prior notice.

For rules specific to each game category, please refer to the relevant pages such as Wagering, Bingo, and Fish Shooting Games.

7 Account Security

You are fully responsible for maintaining the confidentiality of your password and all account login information. Free Kredit your account. Here are some security measures we recommend:

• Use a strong password combining uppercase letters, lowercase letters, numbers, and symbols.
• Do not share your password with anyone, including family members.
• Log out of your account after each session, especially when using a shared device.
• Enable two-factor authentication (2FA) if available for an added layer of security.
• Report immediately to our support team if you suspect unauthorized access to your account.

The Platform will not be held liable for any losses arising from your negligence in safeguarding your login credentials. However, we are committed to investigating every report of unauthorized access seriously and promptly.

8 Prohibited Activities

The following activities are strictly prohibited on the Free Kredit and may result in immediate account termination:

• Registering more than one account personally or through another person.
• Using automation software, bots, or scripts to play or make transactions.
• Attempting to manipulate the payment system or using unauthorized deposit methods.
• Money laundering or using the platform for illegal financial activities.
• Bonus abuse, including creating new accounts solely to claim free kredit repeatedly.
• Cyberattacks, hacking attempts, or any activity that disrupts platform functionality.
• Providing false information during registration or the KYC process.
• Colluding with other players to manipulate game outcomes.

9 Liability Limit

Free Kredit will not be liable for any indirect, incidental, special, or consequential losses arising from the use of the platform, including but not limited to:

• Monetary losses resulting from game outcomes that are not in your favor.
• Service disruptions caused by system maintenance or circumstances beyond our control.
• Data loss resulting from device failure or internet connectivity issues on the user's end.
• Processing delays caused by third-party systems such as banks or digital wallet providers.

The platform's maximum liability to any member, under any circumstances, is limited to the total actual deposits made by that member in the 30 days preceding the claim.

10 Account Termination

You may close your account at any time by contacting our customer support team via live chat. Account closure requests will be processed within 2 business days, subject to the settlement of any pending withdrawal balance.

The Platform reserves the right to suspend or terminate your account without prior notice under the following circumstances:

• Violation of any term within this document.
• Instructions from the relevant authorities.
• Suspicion of fraudulent activity or money laundering.
• Failure to complete the KYC process within the stipulated timeframe.

Once an account is terminated due to a violation, all remaining credit and bonus balances will be forfeited and cannot be reclaimed.

11 Responsible Gaming

Free Kredit committed to responsible gaming practices. We provide a range of tools to help you manage your playing habits in a healthy way, including daily deposit limits, weekly loss limits, and temporary or permanent self-exclusion options.

If you feel that gaming activity is beginning to affect your finances, relationships, or mental health, we encourage you to:

• Using the deposit limit feature to control spending.
• Activating a temporary self-exclusion for a break.
• Contacting our trained support team for assistance.

For more information and support resources, please visit the Responsible Gaming ours.

12 Applicable Laws

These Terms and Conditions are governed and interpreted in accordance with the laws applicable in the platform's operating jurisdiction. Any dispute arising from or related to this agreement that cannot be resolved through amicable negotiation shall be referred to binding arbitration.

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision will be severed to the minimum extent necessary and the remaining provisions will continue in full force and effect.