Terms & Conditions CWIN – Malaysia Platform User Guide

To be eligible to register and use the platform CWIN, you must meet all of the following criteria at the time of registration and throughout your membership:

• Aged at least 18 years of age on the date of registration.
• Have full legal capacity to enter into a binding agreement under Malaysian law.
• Not a resident or citizen of any region excluded from using online betting platform services.
• Not currently under a self-exclusion period or play restriction imposed through the account CWIN your own.
• Not registering on behalf of any other individual or as a third-party agent.

Each individual is only permitted to hold one active account at CWIN at any one time. All information provided during registration must be accurate, complete, and up to date. Information required at registration includes:

• Full name as stated on a valid Malaysian identity card or passport.
• An active Malaysian phone number registered in your own name.
• A valid and accessible email address.
• Accurate date of birth for age eligibility verification.

You are solely responsible for all activity that takes place within your account. CWIN is not liable for any losses arising from your failure to keep your login credentials secure. If you suspect that your account has been accessed without authorisation, please contact the support team CWIN immediately.

CWIN accepts deposits via the following local Malaysian payment methods only:

• Touch 'n Go eWallet – instant deposit, minimum RM 10.
• GrabPay – instant deposit, minimum RM 10.
• DuitNow (including DuitNow QR and DuitNow Transfer) – instant, minimum RM 10.
• Boost eWallet – instant deposit, minimum RM 10.
• ShopeePay – instant deposit, minimum RM 10.
• FPX (Financial Process Exchange) via Maybank2u, CIMB Clicks, or local Malaysian banks that support FPX – instant, minimum RM 20.

All deposits must be made from a bank account or e-wallet registered under the member's name CWIN the same. CWIN does not accept deposits made using third-party accounts. If funds are received from an unrecognised source, they will be returned and may result in a temporary account suspension for identity verification purposes.

Member CWIN may withdraw their available account balance at any time, subject to the following conditions:

• The account has completed the identity verification (KYC) process.
• The minimum withdrawal amount is RM 30 for all methods.
• No active wagering requirements on the balance to be withdrawn.
• Withdrawals will be processed to the same payment method used for your most recent deposit.
• The maximum daily withdrawal for a standard account is RM 30,000. Higher limits are available for VIP members based on membership tier.

Under normal circumstances, withdrawals to Touch 'n Go eWallet and DuitNow are processed within under 3 minutes. Withdrawals via FPX to a bank account may take up to 30 minutes depending on the receiving bank's processing time. Withdrawals submitted between 12:00 AM and 6:00 AM may experience slight delays.

All bonuses and promotions offered by CWIN is subject to the specific terms stated on each promotion's page. The following general rules apply to all bonus types:

• Each bonus carries a rollover requirement that must be met before any winnings derived from the bonus can be withdrawn.
• Wagering requirements are expressed in the format "xN" – for example, a 3x wagering requirement means you must wager an amount equal to 3 times the combined value of your deposit and bonus before a withdrawal is permitted.
• Bonuses received cannot be transferred to another account or redeemed directly for cash.
• Each member is entitled to one welcome bonus only. Members found to be using multiple accounts to claim bonuses will have all associated accounts closed.
• The validity period for each bonus is 30 days from the date of crediting unless otherwise stated in the relevant promotion terms.

All members CWIN are required to maintain proper conduct while using the platform, particularly in games involving other players such as poker and live table games. The following are strictly prohibited:

• Collusion – Secretly colluding with other players to gain an unfair advantage in a game.
• Use of Bots or Assisted Software – Using any automated software, scripts, or artificial aids that influence gameplay.
• Bug or Error Exploitation – Exploiting any technical errors or bugs in the system CWIN. Any winnings obtained through such means will be voided.
• Money Laundering – Using the platform CWIN as a channel for any money laundering or illegal activity financing.
• Abusive Language or Harassment – Using offensive, threatening, or harassing language toward staff or other players on any communication channel on the platform.

Game results generated by the system CWIN are final. Should a dispute arise regarding a game result, members may submit a written complaint to the support team within 72 hours of the incident. CWIN will investigate each complaint using game log data retained by the system, and all decisions made following an investigation are final.

CWIN collects, stores, and processes members' personal information in accordance with our separate Privacy Policy and Malaysia's Personal Data Protection Act 2010 (PDPA). In summary, the following principles apply:

• Your personal information is collected solely for the purposes of account management, transaction processing, fraud prevention, and legal compliance.
• CWIN will not sell, rent, or disclose your personal information to third parties for marketing purposes without your explicit consent.
• All data is stored on servers protected with encryption 256-bit SSL to banking industry standards.
• You have the right to request access to your personal data, request corrections, or in certain circumstances, request that your data be deleted from our systems.

For full details on how CWIN on how we handle your personal data, please refer to Privacy Policy in full. If you have any privacy concerns, contact us at support@cwin.bio.

Closure by Member: You may close your account CWIN at any time by contacting our customer support team. Before the closure is processed, all eligible balances will be returned to the registered payment method within 3–5 business days.

Suspension by CWIN: CWIN reserves the right to temporarily suspend your account in the following situations:

• Additional identity verification or KYC is required.
• There is suspicious activity that requires investigation.
• Third-party complaints requiring investigation.
• Failure to comply with document verification requests within the specified timeframe.

Permanent Closure by CWIN: Accounts may be permanently closed without prior notice if a serious breach of these Terms is established, including fraud, collusion, bot usage, identity falsification, or multiple account registration. In cases of serious breach, CWIN reserves the right to withhold all available balances.

CWIN is committed to providing a safe and responsible gaming environment. The platform offers a range of self-control tools accessible through the "Responsible Gaming" section in your account settings:

• Daily/Weekly/Monthly Deposit Limit – Set a limit on the total amount you can deposit within a given period.
• Loss Limit – Set a maximum limit on losses you are willing to accept within a session or given period.
• Session Time Limit – Limit the duration of play within a single continuous session.
• Mandatory Break – Activate a mandatory break period of 24 hours, 72 hours, or 7 days.
• Self-Exclusion – Account temporarily or permanently closed at your own request.

If you feel that gaming has negatively affected your life, please seek professional help. You can contact Talian Kasih 15999 for free counselling services or visit the Responsible Gaming us for more information and links to relevant support organisations in Malaysia.

CWIN will endeavour to keep the platform running without interruption at all times. However, CWIN cannot guarantee uninterrupted platform availability due to scheduled maintenance, system updates, technical disruptions, or circumstances beyond our control. In such situations:

• Any game interrupted mid-session will be resolved based on data recorded in the system log prior to the disruption.
• Results generated prior to the interruption are valid and final.
• CWIN is not liable for any losses resulting from platform unavailability caused by factors beyond our control.

CWIN shall not be liable for any indirect, incidental, or punitive losses arising from the use of or inability to use the platform. The maximum total liability CWIN to any member under any circumstances is limited to the total amount deposited by that member within the 30 days preceding the claim. These Terms are subject to applicable law and are not intended to exclude any rights that cannot be excluded under relevant Malaysian law.