Terms & Conditions

1 Introduction

Welcome to STM88 (hereinafter referred to as "the Platform", "we", "us", or "our"). STM88 operates an online sports betting and casino gaming platform accessible at https://stm88.lat and its associated subdomains and mobile interfaces.

These Terms and Conditions (hereinafter "Terms") constitute a legally binding agreement between STM88 and any individual (hereinafter "User", "Player", or "you") who registers an account, accesses, or otherwise uses the Platform in any capacity.

By creating an account or placing any wager on the Platform, you unequivocally acknowledge that you have read these Terms in their entirety, that you understand their contents, and that you agree to be bound by them. If you do not agree with any provision contained herein, you must immediately cease using the Platform.

2 Definitions

For the purposes of these Terms, the following definitions apply unless the context clearly requires otherwise:

3 Account Eligibility

To register and maintain an Account on STM88, a User must satisfy all of the following eligibility criteria at the time of registration and on a continuing basis throughout the duration of their Account:

• Age: The User must be at least 21 years of age. STM88 enforces a strict 21+ minimum age policy in accordance with international responsible gambling standards applicable to casino and sports betting activities.
• Legal Capacity: The User must be of full legal capacity to enter into a binding contract under the laws of their country of residence.
• Single Account: The User must not hold, and must never have held, any other Account on the Platform. Registration of multiple accounts by one individual is strictly prohibited.
• Not a Prohibited Person: The User must not be an employee, contractor, director, officer, or immediate family member of STM88 or any of its affiliated entities, technology providers, or game suppliers.
• Jurisdictional Compliance: The User acknowledges that online gambling may be restricted or unlawful in their jurisdiction and accepts full personal responsibility for ensuring their participation is lawful.
• Not Self-Excluded: The User must not be subject to any self-exclusion, cooling-off, or externally imposed exclusion arrangement at the time of registration or at any subsequent point during active play.

4 Account Registration & KYC

Upon completing the registration process, each User is assigned a single Account linked to their registered email address. The User is solely responsible for maintaining the confidentiality of their login credentials and must not share their username or password with any third party.

STM88 reserves the right to request KYC documentation at any stage — including at registration, prior to processing any withdrawal request, or at any time a transaction or pattern of activity triggers a review under our AML obligations. Required documents may include, but are not limited to:

• Proof of Identity: A valid MyKad (for Malaysian residents), passport, or government-issued photo identification document.
• Proof of Address: A recent utility bill, bank statement, or official correspondence dated within the preceding 90 days, clearly showing the User's full name and residential address.
• Proof of Payment Method: In certain circumstances, STM88 may request documentation confirming ownership of the deposit method used (e.g., a screenshot of the e-wallet account or bank statement).
• Source of Funds: For high-value transactions or where required by AML policy, documentation substantiating the legitimate source of funds deposited on the Platform.

Failure to provide requested documentation within the timeframe stipulated by STM88 may result in the temporary suspension of withdrawal privileges or, in cases of prolonged non-compliance, Account suspension. STM88 shall not be liable for any losses arising from the temporary restriction of Account functionality pending KYC completion.

5 Deposits & Payments

STM88 accepts deposits via a range of Malaysian and internationally recognised payment methods. Accepted deposit methods include, but are not limited to: Touch 'n Go eWallet, Boost, GrabPay, DuitNow, FPX (Financial Process Exchange), Maybank2u, CIMB Clicks, Public Bank Online, Hong Leong Connect, USDT TRC20, and Bitcoin (BTC).

The following conditions govern all deposit transactions:

• Minimum Deposit: The minimum deposit amount is RM30 for most Malaysian payment methods. Minimum amounts for cryptocurrency deposits are stated separately at the deposit interface.
• Currency: Deposits are accepted in Malaysian Ringgit (MYR/RM) and, for cryptocurrency transactions, in the denomination of the selected digital asset with automatic conversion applied at the prevailing rate at time of receipt.
• Ownership: All funds deposited must originate from a payment method legally owned and controlled by the registered Account holder. Third-party deposits are strictly prohibited.
• Processing Time: E-wallet and DuitNow deposits are typically credited instantly. FPX bank transfer deposits are typically credited within 5 to 15 minutes. Cryptocurrency deposits are credited following the requisite number of blockchain network confirmations.
• Fees: STM88 does not charge deposit fees for standard Malaysian payment methods. Network fees applicable to cryptocurrency transactions are borne by the depositing User.
• Failed Transactions: STM88 is not responsible for delays or failures caused by the User's bank, e-wallet provider, or any third-party payment processor. Users experiencing deposit issues should contact their payment provider in the first instance, then contact STM88 support if the issue persists.

6 Withdrawals

STM88 aims to process all verified withdrawal requests within 15 minutes for accounts that have completed KYC verification and hold no pending promotional obligations. The following terms apply to all withdrawal requests:

• Verification Requirement: Full KYC verification must be completed before any withdrawal request will be processed. Accounts with incomplete or pending verification may experience delayed processing.
• Withdrawal Method Restriction: Withdrawals will only be processed to payment methods that have been previously used to make a deposit on the same Account. This restriction is applied in compliance with AML obligations.
• Minimum Withdrawal: The minimum withdrawal amount is RM50 unless otherwise stated for a specific payment method.
• Bonus Obligation: Any active bonus wagering requirements must be fulfilled before a withdrawal of bonus-related winnings is permitted. Real Money balances may be withdrawn independently of active bonus obligations, subject to the Platform's current withdrawal queue and verification status.
• Right to Review: STM88 reserves the right to delay any withdrawal for the purpose of fraud prevention, AML review, or identity verification. Users will be notified of any such delay and its anticipated resolution timeframe.
• Forfeiture: STM88 reserves the right to forfeit any balance — including Real Money deposits — where evidence of fraud, collusion, system exploitation, or provision of false information is established following investigation.

7 Bonuses & Promotions

STM88 offers a range of promotional incentives to registered players, including but not limited to welcome bonuses, reload bonuses, cashback offers, birthday bonuses, referral rewards, and VIP tier benefits. All promotions are subject to the following general terms, in addition to any promotion-specific terms communicated at the point of offer:

• Eligibility: Bonuses are available only to eligible registered accounts. STM88 reserves the right to restrict bonus eligibility based on Account status, verification level, jurisdiction, or promotional history.
• Wagering Requirements: Unless expressly stated otherwise, all bonus funds are subject to wagering requirements before withdrawal of associated winnings is permitted. The applicable multiplier (e.g., 10x, 18x, 35x) will be clearly stated on each individual promotion page.
• One Bonus at a Time: Users may not hold more than one active welcome bonus simultaneously unless the promotion expressly permits combination with other offers.
• Game Restrictions: Certain game categories (e.g., progressive jackpot slots or specific live table games) may contribute less than 100% towards wagering requirement fulfilment, or may be entirely excluded. Applicable contribution rates are stated per promotion.
• Expiry: All bonus funds and associated wagering requirements carry an expiry period, which commences from the time of bonus credit. Expired bonus funds and unmet wagering requirements will be removed from the Account without compensation.
• Abuse Prevention: STM88 employs monitoring systems to detect bonus abuse, including but not limited to: low-risk wagering strategies designed to fulfil rollover obligations while minimising risk, collusion between accounts, and use of multiple accounts to claim the same promotion. Accounts found to be engaged in bonus abuse may have bonus funds voided and may be subject to Account suspension.
• Right to Withdraw: STM88 reserves the right to modify, suspend, or withdraw any promotion at any time without prior notice, provided that any validly accrued bonus obligations in progress at the time of withdrawal will be honoured.

8 Betting Rules

The following general betting rules apply to all wagers placed on the STM88 Platform. Sport-specific and game-specific supplementary rules are published within the relevant sections of the Platform and form part of these Terms by reference.

• Bet Confirmation: A bet is only valid once confirmed on-screen with a unique bet reference number. STM88 is not responsible for bets that fail to register due to connectivity issues on the User's end.
• Odds Changes: Odds displayed are subject to change prior to bet placement. Accepted bets are settled at the odds confirmed at the time of placement, regardless of subsequent price movements.
• Voided Bets: STM88 reserves the right to void any bet placed in error (e.g., incorrect odds due to a technical fault), placed on markets subsequently cancelled, or placed in contravention of these Terms. Voided bets will have the stake returned to the User's account.
• Maximum Payout: Maximum payout limits apply per event, per day, and per payment method. Users placing high-value bets are advised to consult the Platform's current payout schedule available in the account settings section.
• Live Betting: In-play betting markets may be suspended at any time at STM88's discretion, including for the purpose of odds recalculation or in response to significant in-game events. Bets placed immediately prior to a suspension will be reviewed and may be voided in accordance with live betting supplementary rules.
• Result Disputes: In the event of a result dispute, STM88's decision, based on official governing body results, shall be final. Disputes must be submitted in writing to support within 30 days of the event result being published.

9 Prohibited Conduct

The following conduct is strictly prohibited on the STM88 Platform. Engagement in any of the following may result in immediate Account suspension, forfeiture of funds, and where appropriate, referral to relevant law enforcement authorities:

• Registering more than one Account, whether directly or through a third party acting on the User's behalf.
• Providing false, misleading, or fraudulent information during registration or at any subsequent point, including during KYC verification.
• Using the Platform for any form of money laundering, financial structuring, or any other activity prohibited under applicable AML legislation.
• Exploiting software errors, bugs, or technical glitches to gain an unfair advantage. Any winnings derived from such exploitation are deemed void and will be removed from the Account.
• Using any automated betting system, bot, script, or artificial intelligence tool to place bets or interact with the Platform without the express prior written consent of STM88.
• Engaging in collusion with other players, including but not limited to chip-dumping in poker or coordinating bets to exploit in-play pricing inefficiencies.
• Accessing the Platform from a Prohibited Jurisdiction using a VPN, proxy server, or any other means of obscuring the User's true geographic location.
• Engaging in any form of harassment, threatening behaviour, or abusive communication directed at STM88 support staff or other platform users.
• Attempting to gain unauthorised access to other users' Accounts or to any backend systems of the Platform.

10 Intellectual Property

All content published on the STM88 Platform — including but not limited to the STM88 brand name and logo, website design, user interface elements, text, graphics, game software, odds data, and promotional materials — is the exclusive intellectual property of STM88 or its licensed content providers and is protected by applicable copyright, trademark, and intellectual property laws.

Users are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal, non-commercial entertainment purposes in accordance with these Terms. No content from the Platform may be reproduced, republished, distributed, sold, or otherwise exploited without the express prior written consent of STM88.

Any feedback, suggestions, or ideas submitted by Users to STM88 regarding Platform improvements may be freely used by STM88 without any obligation of attribution, compensation, or confidentiality to the submitting User.

11 Limitation of Liability

To the maximum extent permitted by applicable law, STM88 and its directors, officers, employees, affiliates, agents, and licensors shall not be liable for:

• Any indirect, incidental, special, punitive, or consequential loss or damage arising out of or in connection with the use of, or inability to use, the Platform.
• Loss of funds arising from connectivity failures, hardware malfunctions, or software errors on the User's device or network.
• Delays in deposit crediting or withdrawal processing caused by third-party payment service providers, including Maybank, CIMB, Touch 'n Go eWallet, DuitNow, Boost, GrabPay, FPX, or any cryptocurrency network.
• Any gambling losses incurred by the User in the ordinary course of using the Platform, including losses resulting from a streak of unfavourable outcomes, which is an inherent risk of gambling activities.
• Any loss or damage arising from Force Majeure events beyond STM88's reasonable control.

Where STM88's liability cannot be fully excluded by law, STM88's total aggregate liability to any User in respect of any single incident shall not exceed the value of the User's Real Money account balance at the time the relevant incident occurred.

12 Responsible Gambling

STM88 is committed to promoting responsible gambling across all aspects of the Platform. The following tools and policies are in place to support player wellbeing:

• Deposit Limits: Users may set daily, weekly, or monthly deposit limits from within their Account settings. Once set, a reduction in limits takes effect immediately; an increase in limits is subject to a 24-hour cooling-off period.
• Session Reminders: Players may configure session time reminders to receive alerts after a defined period of continuous play.
• Self-Exclusion: Users may request a self-exclusion period ranging from 30 days to permanent exclusion. Self-exclusion requests must be submitted in writing to the STM88 support team at [email protected]. During a self-exclusion period, STM88 will take reasonable steps to prevent Account access and to cease all promotional communications.
• Reality Checks: Pop-up reality check notifications can be enabled to display the total amount wagered and time spent in the current session at user-defined intervals.
• Underage Access Prevention: STM88 enforces 21+ age verification via mandatory KYC and is committed to preventing access by minors. We strongly recommend the use of parental control software where minors share access to devices.

If you are concerned about your gambling behaviour or that of someone you know, we encourage you to seek support from qualified professional resources. For full details of STM88's responsible gambling framework, please visit our Responsible Gambling page.

13 Account Termination

Termination by the User: A User may request closure of their Account at any time by contacting STM88 support. Upon receipt of a closure request, STM88 will process any outstanding Real Money balance (subject to verification and pending wagering obligations) and close the Account. Bonus Funds will be forfeited upon closure.

Termination by STM88: STM88 reserves the right to suspend, restrict, or permanently terminate any Account at its sole discretion, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms or any supplementary rules published on the Platform.
• Failure to satisfy KYC or AML requirements within a stipulated timeframe.
• Evidence or reasonable suspicion of fraudulent activity, money laundering, bonus abuse, or collusion.
• Provision of false or misleading information at any stage of the Account lifecycle.
• Conduct that poses a reputational, financial, or legal risk to STM88 or its affiliated entities.
• Regulatory direction or court order requiring Account restriction or closure.

Where an Account is terminated by STM88 due to a confirmed Terms breach, STM88 reserves the right to withhold the entire Account balance pending investigation. Any forfeiture of funds will be supported by documented evidence of the breach and communicated to the User in writing within a reasonable period.

14 Governing Law & Disputes

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter, shall be governed by and construed in accordance with the laws of the jurisdiction in which STM88 holds its international gaming licence.

In the event of a dispute between a User and STM88, the User is encouraged to contact the STM88 customer support team in the first instance to seek an amicable resolution. STM88 commits to acknowledging all formal written complaints within 5 business days and to providing a substantive response within 20 business days of acknowledgement.

Should informal resolution not be achievable, disputes may be escalated to the relevant dispute resolution body designated by STM88's licensing authority. STM88 will cooperate fully with any such formally initiated dispute resolution process.

Nothing in these Terms shall prejudice any User's statutory rights that cannot lawfully be excluded or limited under applicable mandatory consumer protection legislation.

15 Amendments

STM88 reserves the right to amend, update, or replace these Terms and Conditions at any time and without prior individual notice to Users. Where material changes are made, STM88 will publish a prominent notice on the Platform homepage and update the "Effective Date" displayed at the top of this page.

It is the User's responsibility to review these Terms periodically. Continued use of the Platform following the publication of any amended Terms constitutes the User's acceptance of those amended Terms. If a User does not accept the amended Terms, they must cease using the Platform immediately and may request Account closure in accordance with Section 13 of these Terms.

16 Contact Us

If you have any questions, concerns, or formal complaints regarding these Terms and Conditions, or any aspect of the STM88 Platform, please contact our support team through the following channels:

For responsible gambling support tools and self-exclusion requests, please visit our Responsible Gambling page. For frequently asked questions about Account management, bonuses, and payments, visit our FAQ page.