Terms & Conditions KudaHoki – A Complete Guide for Malaysian Users

In this Terms & Conditions document, "KudaHoki", "we", "platform", and "website" refer to the online betting platform operating under the domain kudahoki.my. "Player", "you", and "user" refer to any individual who accesses, registers with, or uses the KudaHoki platform's services.

"Services" encompasses all products and features offered by KudaHoki, including but not limited to live baccarat, Live Casino, progressive jackpots, Sports Betting (Malaysia Super League, EPL, BWF badminton, e-sports), live matches, the VIP Rewards programme, and all promotions or bonuses announced from time to time. "Account" refers to the personal account registered by a player on the KudaHoki platform.

These Terms & Conditions constitute a legally binding agreement between the player and KudaHoki, and shall be interpreted in accordance with applicable law. KudaHoki reserves the right to amend, update, or modify these Terms & Conditions at any time without prior notice. Changes take effect immediately upon publication on the website. It is the player's responsibility to review the latest Terms & Conditions periodically.

To register and use KudaHoki's services, you must meet all of the following eligibility criteria without exception:

• At least 21 years at the time of registration and throughout your use of the platform.
• Is domiciled in or physically located in Malaysia when accessing the platform.
• Is not on any list of prohibited individuals or has not self-excluded from betting.
• Have never had an account closed or suspended at KudaHoki for a previous breach of terms.
• Has full legal capacity to enter into binding agreements.

During registration, you are required to provide accurate, complete, and up-to-date information, including your full name as per your identification document, your IC number (MyKad or passport), an active email address, a Malaysian mobile number, and your preferred payment method. Any inaccurate or false information may result in account closure and forfeiture of balance without compensation.

An Identity Verification (KYC — Know Your Customer) process may be required prior to your first withdrawal or whenever KudaHoki deems it necessary. Documents that may be requested include a copy of your MyKad, proof of current address (utility bill or bank statement dated within three months), and proof of your payment method. The KYC process is an industry standard designed to protect the security of your account.

Each player is only permitted to hold one active account at KudaHoki at any one time. Creating or attempting to register multiple accounts — whether using different names, email addresses, phone numbers, IP addresses, or payment methods — constitutes a serious violation of these Terms & Conditions.

If duplicate accounts are detected, KudaHoki reserves the right to close all associated accounts, forfeit all balances including bonuses and winnings, and permanently blacklist the player from re-registering in the future. KudaHoki employs advanced detection technology to identify duplicate accounts.

You are solely responsible for keeping your account login credentials — username and password — secure. KudaHoki is not liable for any losses arising from unauthorised access to your account due to your own negligence. If you suspect your account has been compromised, contact KudaHoki's support team immediately at support@kudahoki.my.

KudaHoki accepts deposits exclusively through the following local Malaysian payment methods:

• DuitNow — real-time transfers 24/7 via phone number or IC number
• Touch 'n Go eWallet — instant deposit via the TnG app
• GrabPay — via the Grab Malaysia app
• Boost — a local Malaysian e-wallet by Axiata
• ShopeePay — via the Shopee Malaysia app
• FPX Internet Banking — including Maybank2u, CIMB Clicks, Hong Leong Connect, and other FPX banks

The minimum deposit amount is RM 20 and funds are typically credited to your KudaHoki account within under a minute of payment confirmation. All deposits must be made using a payment method registered under the same player account. KudaHoki does not accept third-party deposits. Any deposit that cannot be verified will be returned to its original source.

All financial transactions on KudaHoki are conducted in Malaysian Ringgit (MYR). No currency conversion is required and no conversion fees or hidden charges are applied to Malaysian players.

Winnings can be withdrawn from your KudaHoki account at any time via your account page. Withdrawals may only be made to the same payment method used for the deposit, or to a bank account or e-wallet verified under the same player's name.

Standard withdrawal processing time is 5 to 10 minutes for amounts below RM 5,000. Larger withdrawals may require additional processing time of up to 24 hours and may be subject to further security checks. Platinum VIP members enjoy priority withdrawals processed within under three minutes.

KudaHoki reserves the right to request additional verification before processing withdrawals to ensure account security and compliance with anti-money laundering policies. Withdrawals exceeding RM 10,000 within any 30-day period may require supporting documentation. All withdrawals are subject to the player having met any applicable bonus rollover requirements.

KudaHoki offers a range of bonuses and promotions from time to time, including a welcome bonus, reload bonuses, weekly cashback, free spins, and the VIP Rewards programme. Each bonus is subject to specific terms and conditions as stated in the relevant advertisement or promotions page.

Rollover requirements (wagering requirements) are a standard condition that must be met before a bonus can be converted into withdrawable cash. The rollover requirement varies per bonus and will be clearly stated — for example, a "10x bonus rollover" means you must wager an amount equal to 10 times the bonus value before withdrawing any related winnings. Rollover is calculated from combined wagers across all eligible games unless otherwise specified.

The KudaHoki VIP Rewards Programme awards points every time you place a bet — whether on baccarat, jackpot slots, Sports Betting for Malaysia Super League or EPL, badminton, Live Casino, or live matches. VIP points can be redeemed as cash bonuses according to the current redemption schedule. VIP points are non-transferable between accounts and will expire if an account remains inactive for 90 consecutive days.

• Bonuses cannot be used in conjunction with other bonuses unless stated otherwise.
• KudaHoki reserves the right to forfeit any bonus where misuse or fraudulent activity is suspected.
• Players who open multiple accounts to claim duplicate bonuses will forfeit all associated bonuses and winnings.
• KudaHoki's decisions regarding bonuses are final and binding.

All bets placed on KudaHoki — whether on baccarat, Live Casino, jackpot, Sports Betting, BWF badminton, e-sports, or in-play betting — are final and cannot be cancelled once confirmed by the system. Players are solely responsible for ensuring the accuracy of every bet before confirmation.

For Sports Betting and live matches, KudaHoki reserves the right to void or review bets if:

• A technical error has caused incorrect odds to be displayed (for example, odds that deviate significantly from standard market rates).
• Matches that are postponed, cancelled, or stopped before completion in accordance with the rules of the relevant league or tournament.
• There is clear evidence of match fixing confirmed by the relevant sports governing body.
• Players found to have used insider information that provides an unfair advantage.

In Live Casino games, all outcomes announced by the dealer or system are final. Should a technical disruption occur during an active game, KudaHoki will resolve the matter based on automatically recorded system logs. Every baccarat and Live Casino round is recorded for audit and dispute resolution purposes.

KudaHoki has a zero-tolerance policy towards fraud, abuse, and any activity that attempts to exploit the platform. The following activities are strictly prohibited and will result in immediate account closure without any refund:

• Money Laundering: Using the KudaHoki platform to process or conceal funds obtained through unlawful means.
• Use of Bots or Automated Software: Using any bot, automated script, third-party assistance software, or artificial intelligence to gain an unfair advantage in any game.
• Technical Exploitation: Seeking out or exploiting bugs, system vulnerabilities, or odds display errors to gain an illegitimate advantage.
• Bonus Abuse: Registering multiple accounts or using false information solely to claim sign-up bonuses or repeated promotions.
• Account Sponsorship: Placing bets on behalf of another person or allowing others to use your account.
• Platform Disruption: Any attempt to hack, attack, or disrupt the functionality of the KudaHoki platform.

KudaHoki employs a sophisticated monitoring system that automatically detects suspicious behaviour. If your account is suspected of involvement in any of the above activities, KudaHoki reserves the right to suspend it pending investigation. All balances and winnings in accounts found to have engaged in fraudulent activity will be permanently forfeited.

KudaHoki takes the protection of all players' personal data seriously. All information you provide during registration and platform use is secured with 256-bit SSL encryption and stored on protected servers. We operate under strict data protection principles and are committed to never selling, renting, or sharing your personal information with third parties for marketing purposes without your explicit consent.

KudaHoki may share necessary information with payment providers for the purpose of processing your transactions, and with lawful authorities if required by law or court order. We do not share your betting records, account balance, or platform activity with any other party except in the circumstances stated above.

KudaHoki's full Privacy Policy is available on the Privacy Policy and forms part of the agreement between you and this platform. By using KudaHoki, you consent to the collection and processing of data as described in that Privacy Policy.

Players may close their KudaHoki account at any time by contacting the support team via email at support@kudahoki.my. Prior to closure, all active bonus rollover requirements must be fulfilled, or the bonus amount will be deducted from the final balance. Any remaining balance will be processed for withdrawal via the registered payment method.

KudaHoki offers the option to self-exclusion for players who wish to take a break or stop playing permanently. This option can be activated from your account settings page or by contacting customer support. Self-exclusion periods can be set from 24 hours up to a permanent exclusion. While a self-exclusion is active, the account cannot be accessed and no new deposits can be made.

KudaHoki also reserves the right to close or suspend a player's account for the following reasons:

• Violation of these Terms & Conditions.
• Detection of fraudulent activity or money laundering.
• Requests from legitimate authorities.
• Account inactivity for more than 12 consecutive months.
• The player is found to have provided false information during registration.