Terms & Conditions

For the purposes of these Terms & Conditions, the following definitions apply throughout:

These Terms & Conditions ("Terms") constitute a legally binding agreement between you and vivo88 governing your access to and use of the Platform. By clicking "I Agree" during registration, by depositing funds, or by placing any wager, you confirm your full and unconditional acceptance of these Terms.

vivo88 reserves the right to modify, update, or replace any part of these Terms at its sole discretion. When changes are made, the "Last Updated" date at the top of this page will be revised accordingly. Players are responsible for reviewing the Terms periodically. Your continued use of the Platform following publication of revised Terms constitutes acceptance of those changes.

To register and maintain an Account on vivo88, you must satisfy all of the following eligibility requirements at the time of registration and on a continuous basis throughout your use of the Platform:

• You must be a natural person (not a corporation, trust, or automated entity).
• You must be at least 21 years of age. vivo88 strictly prohibits access by minors. Age verification will be required during the KYC process.
• You must be the owner of the payment method used to deposit into your Account.
• You must not be subject to any self-exclusion order, either voluntary (initiated by yourself on vivo88) or mandatory (imposed by any relevant authority).
• You must not be an employee, contractor, director, officer, or agent of vivo88, nor an immediate family member of any such person.
• You must be accessing the Platform solely for your personal, recreational use and not on behalf of any third party.
• You must not have had a previous vivo88 Account closed for a breach of these Terms.

Each eligible individual may hold one (1) Account on the vivo88 Platform. Registration of multiple Accounts by the same individual — regardless of the email address, device, or payment method used — is strictly prohibited and constitutes a material breach of these Terms.

During registration, you are required to provide accurate, complete, and current information including your full legal name, date of birth, Indonesian residential address, valid email address, and contact phone number. You agree to maintain and promptly update this information whenever it changes.

KYC Verification. Prior to processing any withdrawal, and at vivo88's discretion at any other time, we will require you to complete identity verification by submitting one or more of the following documents:

• Government-issued photo identification (National Identity Card / KTP, Passport, or Driving License).
• Proof of residential address dated within the past 3 months (utility bill, bank statement, or official government correspondence).
• Proof of ownership of the payment method used for deposits (bank statement or screenshot of the registered payment account matching the Account holder's name).
• A selfie photograph holding the submitted identity document, where requested.

vivo88 reserves the right to suspend or close any Account and withhold pending withdrawals pending satisfactory completion of KYC verification. Accounts where identity cannot be verified will be closed and remaining funds returned to the original payment source minus any bonus amounts.

Account Security. You are solely responsible for maintaining the confidentiality of your login credentials. vivo88 will not be liable for any losses arising from unauthorised use of your Account resulting from your failure to keep credentials secure. You must notify our support team immediately upon suspecting any unauthorised access to your Account.

vivo88 accepts deposits in Indonesian Rupiah (IDR) via the following approved payment methods:

• Indonesian bank transfers: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, and BSI (Bank Syariah Indonesia).
• E-wallets: OVO, DANA, GoPay, ShopeePay, and LinkAja.
• Additional payment channels as notified on the Platform from time to time.

Deposits are credited to your Account balance in real time or within a maximum of 15 minutes during normal banking hours (WIB, UTC+7). vivo88 does not charge a deposit fee; however, your bank or e-wallet provider may apply their own transaction charges, for which vivo88 accepts no responsibility.

Minimum and Maximum Deposits. Minimum and maximum deposit limits per transaction are displayed on the Platform's cashier page and may vary by payment method. vivo88 reserves the right to adjust these limits at any time.

Deposit Ownership. All funds deposited must originate from a payment account registered in your own name. Third-party deposits are strictly prohibited. Any deposit identified as originating from a third-party account will be reversed, and the associated Account may be suspended pending investigation.

Withdrawals may be requested at any time through the Platform's cashier, subject to the following conditions being met:

• Your Account KYC verification is fully approved.
• The withdrawal amount does not exceed your available real-money balance (bonus funds subject to incomplete wagering requirements are not withdrawable).
• The minimum withdrawal amount per request is as displayed on the cashier page.
• No active fraud investigation or AML review is pending on your Account.

Processing Times. Withdrawals to BCA, BRI, BNI, and Mandiri bank accounts are typically processed within 5 minutes during Indonesian banking hours (Monday to Friday, 08:00–21:00 WIB). Requests submitted outside these hours, on weekends, or on Indonesian public holidays will be processed within a maximum of 24 hours from the next available banking session.

Withdrawal Method. Funds may only be withdrawn to a bank account or e-wallet registered in your own name and previously used to make a deposit on the Platform. vivo88 does not issue withdrawals to third-party accounts or to payment methods not previously associated with your Account.

Withdrawal Limits. Minimum and maximum withdrawal limits apply per transaction and per calendar day. Current limits are displayed on the cashier page. VIP players may be eligible for enhanced daily withdrawal limits as part of their loyalty tier benefits.

vivo88 reserves the right to request additional documentation before processing withdrawals of significant amounts as part of our AML compliance obligations. Failure to provide requested documentation within 14 days may result in withdrawal cancellation and return of funds to the Account balance.

vivo88 offers various promotional bonuses including welcome bonuses, reload bonuses, cashback offers, free spins, and VIP loyalty rewards. All bonuses are subject to the general terms set out in this clause, as well as any specific promotion terms published alongside the individual offer.

Wagering Requirements. Unless stated otherwise in a specific promotion's terms, all bonus funds must be wagered a minimum of 5x (five times) the combined deposit and bonus amount before any withdrawal may be made. Specific promotions may carry higher or lower wagering multipliers, which will be clearly stated in the promotion details.

Game Contributions. Not all games contribute equally toward the fulfilment of wagering requirements. As a general guide:

• Slots and togel (Indonesia's traditional numbers lottery) games: 100% contribution.
• Live casino table games (baccarat, roulette, blackjack): 10% contribution.
• Sports betting markets: 100% contribution on settled single bets at odds of 1.50 or higher.
• Sports betting accumulators and mix parlay (multi-leg accumulator) bets: 100% contribution subject to a minimum of 3 selections at odds of 1.30 or higher per leg.
• Certain jackpot games and restricted titles: 0% contribution (listed in the cashier).

Bonus Expiry. Bonus funds and associated wagering requirements must be completed within 30 calendar days of the bonus being credited, unless a different expiry period is specified in the promotion terms. Expired bonus funds and any winnings derived from them will be removed from the Account.

Prohibited Bonus Conduct. The following activities constitute bonus abuse and will result in forfeiture of all bonus funds and associated winnings, as well as potential Account suspension:

• Registering multiple Accounts to claim the same bonus more than once.
• Placing opposing wagers (hedging) to neutralise risk while fulfilling wagering requirements.
• Systematic exploitation of bonus terms through low-variance, high-volume play specifically designed to complete requirements with minimal risk.
• Using a bonus in combination with any automated betting software or scripting tool.

All sports bets placed on vivo88 are subject to the following general rules in addition to any sport-specific rules published on the Platform:

• Bets are confirmed only once the Platform returns a "Bet Accepted" confirmation. vivo88 is not liable for bets that were not confirmed due to connectivity issues on the Player's side.
• vivo88 reserves the right to void any bet placed at odds that were published in error (palpable errors). In such cases, the stake will be returned in full.
• In the event of a match abandonment, postponement, or cancellation, bets will be settled in accordance with the sport-specific rules for that market. In most cases, bets will be voided and stakes returned unless at least the minimum time required for official result recognition has elapsed.
• For bandar bola (football bookmaking) markets, Asian Handicap and Over/Under markets follow standard Asian Handicap settlement rules. European Handicap markets follow standard 3-way handicap settlement.
• Live in-play bets are accepted at the Platform's live odds and are final once confirmed. Obvious technical errors in live odds pricing are subject to void as palpable errors.
• Maximum payout limits per event, per day, and per Account apply and are displayed in the Platform's betting rules section.

For casino games, each game's individual rules are accessible within the game interface. RTP (Return to Player) percentages are published in the game information panel. In the event of a game malfunction, the round will be voided and the stake returned to the Player's Account balance.

vivo88 is committed to providing a fair, secure, and transparent gaming environment for all Players. The following conduct is strictly prohibited and may result in immediate Account suspension, permanent termination, and forfeiture of all balances:

• Collusion: Coordinating with other players to gain an unfair advantage in any game, particularly poker, live dealer games, or any contest-format game.
• Automated play: Using bots, scripts, artificial intelligence tools, or any automated software to place bets or interact with the Platform on your behalf.
• Fraud: Using stolen, cloned, or unauthorised payment credentials; chargebacks; or any other form of financial fraud against vivo88 or its payment partners.
• Exploitation of errors: Deliberately taking advantage of software bugs, pricing errors, or system malfunctions to generate winnings. vivo88 reserves the right to void such winnings and recover amounts paid in error.
• Match fixing: Placing bets on events where you have prior knowledge of or involvement in the manipulation of the outcome.
• Money laundering: Using the Platform to deposit, transfer, or withdraw funds derived from illegal activities. vivo88 maintains active AML monitoring and reports suspicious activity to relevant authorities as required by international compliance obligations.

vivo88 employs advanced fraud detection systems that monitor betting patterns, transaction behaviour, and Account activity in real time. Players identified as engaging in any prohibited conduct will have their Accounts closed without notice and may be reported to relevant financial crime authorities.

Your use of the vivo88 Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains how we collect, store, use, and protect your personal data in connection with your Account and use of our services.

By accepting these Terms, you also consent to the collection and processing of your personal information as described in the Privacy Policy. You have the right to request access to, correction of, or deletion of your personal data at any time by contacting our support team.

vivo88 is committed to promoting responsible gaming and providing tools to help Players maintain control of their gambling activity. The following tools are available to all registered Players via their Account settings:

• Deposit Limits: Set daily, weekly, or monthly caps on the amount you may deposit into your Account.
• Loss Limits: Set daily, weekly, or monthly caps on the amount you may lose across all games and sports markets.
• Session Time Limits: Set a maximum duration for each gaming session, after which you will be automatically logged out.
• Reality Check Reminders: Receive on-screen notifications at regular intervals showing your session duration and net profit or loss.
• Self-Exclusion: Temporarily or permanently exclude yourself from the Platform. Self-exclusion requests take effect within 24 hours and cannot be reversed during the selected exclusion period.
• Cool-Off Period: Take a short break of 24 hours, 7 days, or 30 days without permanent self-exclusion.

For full details on our responsible gaming framework and additional support resources, please visit our dedicated Responsible Gaming page. If you believe gambling is negatively affecting your life, we encourage you to contact our support team or seek assistance from an independent counselling service.

To the fullest extent permitted by applicable law, vivo88, its parent company, affiliates, officers, directors, employees, and agents shall not be liable for any of the following:

• Any loss of profits, revenue, data, business, or goodwill arising from your use of the Platform.
• Any indirect, incidental, special, consequential, or punitive damages, even if vivo88 has been advised of the possibility of such damages.
• Any interruption, suspension, or termination of Platform services due to scheduled maintenance, technical failures, force majeure events, or actions of third-party service providers.
• Any loss arising from your failure to maintain the security of your Account credentials.
• Any inaccuracy in odds, game outcomes, or other data resulting from technical errors, provided that vivo88 takes corrective action as soon as reasonably practicable after becoming aware of the error.

vivo88's total aggregate liability to you under these Terms, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the total amount deposited by you into your Account in the 30 days immediately preceding the event giving rise to the claim.

Termination by vivo88. vivo88 reserves the right to suspend or permanently close any Account at its sole discretion, including but not limited to the following circumstances:

• Breach of any provision of these Terms.
• Failure to complete KYC verification within the requested timeframe.
• Reasonable suspicion of fraud, money laundering, or other illegal activity.
• Receipt of a chargeback or payment dispute relating to any deposit.
• Provision of false or misleading information during registration or verification.
• Conduct that vivo88 reasonably determines to be harmful to other Players or the integrity of the Platform.

Upon termination for cause, vivo88 reserves the right to forfeit all bonus funds and winnings derived from bonus play. Real-money balances remaining after deduction of any forfeited amounts will be returned to the Player's verified payment method within 14 business days, unless funds are subject to an active fraud or AML investigation.

Termination by Player. You may close your Account at any time by contacting our customer support team. Before closing your Account, we recommend withdrawing your full available balance. Voluntary Account closure requests are processed within 5 business days.

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which vivo88 holds its international gaming licence. The parties agree that any dispute, controversy, or claim arising out of or in connection with these Terms, or the breach, termination, or invalidity thereof, shall be resolved in the following order:

1. Internal Complaint: Players must first submit a formal complaint to vivo88's customer support team at [email protected]. vivo88 will acknowledge all complaints within 48 hours and aim to resolve them within 14 business days.
2. Escalation: If the internal resolution process does not produce an outcome satisfactory to the Player within 30 days, the Player may escalate the dispute to vivo88's licensing authority or an independent Alternative Dispute Resolution (ADR) body as designated by the applicable gaming regulator.
3. Arbitration: Any dispute not resolved through the above steps shall be submitted to binding arbitration under applicable international commercial arbitration rules. Arbitration shall be conducted in English. The arbitrator's decision shall be final and binding on both parties.

Nothing in this clause shall prevent either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction where necessary to prevent irreparable harm.

For any questions, complaints, or formal notices related to these Terms & Conditions, please contact the vivo88 compliance and support team through the following channel:

Our customer support team includes native Indonesian-speaking agents available around the clock. All formal legal notices must be submitted in writing to the email address above and will be acknowledged within 48 hours.