Terms & Conditions

These Terms and Conditions (hereinafter referred to as "Terms", "Agreement", or "T&C") constitute a legally binding agreement between you (the "User", "Player", or "You") and panda99 (hereinafter referred to as "panda99", "the Platform", "We", "Us", or "Our"), the operator of the online gaming platform accessible athttps://panda99.casa.

panda99 is an online casino and sports betting platform offering live dealer games, slot, table games, and real-time sports wagering. The platform is operated under international online gaming licensing and is designed to serve adult players, including those based in Malaysia. Malaysian Ringgit (MYR) is the primary transactional currency supported on this platform.

By accessing, registering an account on, or in any way using the panda99 platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms in their entirety, together with ourPrivacy Policy and Responsible Gambling Policy, both of which are incorporated herein by reference.

For the purposes of these Terms, the following definitions shall apply:

To register and maintain an account on panda99, you must satisfy all of the following eligibility criteria:

1. You must be at least 21 years of age at the time of registration. panda99 operates a strict minimum age policy. Players under 21 are not permitted to register, use, or access the Platform under any circumstances.
2. You must be legally permitted to participate in online gambling activities under the laws applicable to your jurisdiction. It is your sole responsibility to ascertain whether online gaming is lawful in the territory from which you are accessing the Platform.
3. You must not be a resident of a Prohibited Jurisdiction as defined by Platform policy or applicable international regulatory requirements.
4. You must not be a current or former employee, contractor, director, or officer of panda99, or an immediate family member of such person.
5. You must not register on behalf of a third party. Each account must correspond to a single real individual, and accounts may not be shared, transferred, or operated by any party other than the registered account holder.
6. You must provide accurate, truthful, and complete personal information during registration and throughout the duration of your account. Any material misrepresentation constitutes grounds for immediate account termination.

Each Player is permitted to maintain onlyone (1) registered account on the panda99 Platform. The creation of duplicate, multiple, or linked accounts by a single individual is strictly prohibited and constitutes grounds for the suspension or permanent closure of all accounts involved, and the forfeiture of any associated balances.

Upon registration and prior to processing any withdrawal request, panda99 may require you to complete a Know Your Customer (KYC) verification process. This process is mandatory and may include, but is not limited to, submission of the following documents:

• A valid government-issued photo identity document (Malaysian IC, Passport, or equivalent);
• Proof of current residential address issued within the past three (3) months (utility bill, bank statement, or official correspondence);
• Proof of payment method ownership (e.g., screenshot of registered e-wallet, bank account confirmation);
• Any additional documentation reasonably requested by panda99 for anti-money laundering (AML) or fraud prevention compliance purposes.

panda99 reserves the right to suspend withdrawals, restrict account activity, or close an account pending satisfactory completion of KYC verification. Players who fail to complete verification within a reasonable timeframe may have their accounts closed and any pending withdrawal requests declined.

By using the panda99 Platform, you agree to the following general terms of use:

1. Personal Use Only: The Platform is made available solely for your personal, non-commercial entertainment. Use of any automated tools, scripts, bots, artificial intelligence agents, or other non-human systems to interact with the Platform is strictly prohibited.
2. Single Account Policy: You may not register or operate more than one account. Holding multiple accounts — whether under the same name, the same IP address, the same device, the same payment method, or through any other identifiable shared attribute — is prohibited.
3. Account Security: You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You must immediately notify panda99 if you suspect any unauthorised access to your account. panda99 shall not be liable for any losses arising from your failure to secure your credentials.
4. Accurate Information: You agree to provide and maintain accurate, current, and complete information in your account profile. Any changes to your personal details must be promptly updated and may require-verification.
5. Intellectual Property: All content on the panda99 Platform — including but not limited to software, game graphics, logos, text, and user interface design — is the exclusive property of panda99 or its licensors. You may not reproduce, distribute, modify, or create derivative works from any Platform content without prior written consent.
6. Lawful Use: You agree to use the Platform only for lawful purposes and in accordance with all applicable laws. You are solely responsible for determining the legality of online gambling in your jurisdiction.

6.1 Deposits

panda99 supports a range of Malaysian payment methods for deposits, including Touch'n Go eWallet, Boost, GrabPay, Maybank (via FPX), CIMB Clicks (via FPX), Public Bank (via FPX), DuitNow, and USDT TRC20 cryptocurrency. The minimum deposit amount is RM 30 unless otherwise specified in a promotion.

All deposits are credited in Malaysian Ringgit (MYR). Processing times vary by method: e-wallet deposits (Touch 'n Go eWallet, Boost, GrabPay) are typically instant; FPX bank transfers may take 5–15 minutes; cryptocurrency deposits typically require 15–30 minutes pending network confirmation.

6.2 Withdrawals

Withdrawal requests are processed within the following indicative timeframes: e-walets (Touch 'n Go eWallet, Boost, GrabPay) under 5 minutes; DuitNow and FPX bank transfers 5–15 minutes; direct bank wire transfers 15–60 minutes. These timeframes are indicative and not contractually guaranteed; processing may be extended during peak periods or where additional verification is required.

The minimum withdrawal amount is RM 50. Maximum withdrawal amounts per transaction may apply and are specified in the Platform's cashier section. panda99 reserves the right to carry out additional verification checks prior to processing any withdrawal.

6.3 Currency

All transactions on the panda99 Platform are denominated in Malaysian Ringgit (MYR). For cryptocurrency deposits, the equivalent MYR value will be calculated at the prevailing exchange rate at the time of deposit confirmation. panda99 does not charge currency conversion fees on MYR transactions.

panda99 may, at its discretion, offer welcome bonuses, reload bonuses, cashback rebates, free spins, referal bonuses, and other promotions to eligible Players. All bonus offers are subject to specific terms communicated at the time of the promotion, including applicable wagering requirements, minimum odds restrictions, game eligibility, and expiry periods.

1. Wagering Requirements: Bonus funds must be wagered the specified number of times (the "Wagering Requirement") before they may be converted to withdrawable real-money balance. The applicable Wagering Requirement is stated clearly in each promotion's terms.
2. One Bonus at a Time: Unless expressly stated otherwise, only one active bonus may be held at any time. Attempting to claim multiple bonuses simultaneously may result in forfeiture of all bonuses involved.
3. Bonus Abuse: Any Player found to be exploiting bonuses — including but not limited to matched betting against promotions, using multiple accounts to claim the same offer, or systematically abusing the bonus structure — may have all bonus funds and associated winings forfeited, and the account suspended.
4. Expiry: Bonus funds and associated wagering requirements are subject to expiry deadlines. Unused bonus funds or uncompleted wagering requirements will be forfeited upon expiry without notice.
5. Discretion: panda99 reserves the right to modify, suspend, or withdraw any promotion at any time and without prior notice. The decision of panda99 in all matters relating to bonus disputes is final.

All bets placed and games played on the panda99 Platform are subject to the specific rules applicable to each product type. General provisions are set out below:

1. Bet Finality: Once confirmed, bets are binding and may not be cancelled or amended by the Player. panda99 reserves the right to void bets placed in error or where a palpable error in odds or game data has occurred.
2. Insufficient Funds: Bets will not be accepted where the Player's account balance is insufficient to cover the wager. It is the Player's responsibility to ensure adequate funds prior to placing any bet.
3. System Errors: In the event of a technical malfunction, software error, or connectivity failure that affects game or bet outcome, panda99 reserves the right to void the affected transactions. Where possible, fair compensation will be assessed on a case-by-case basis.
4. Sports Betting: All sports betting markets — including EPL, Liga Super Malaysia, Champions League, UFC, and other events — are governed by the specific rules published for each market. In-play bets are accepted subject to live data accuracy. Bets may be suspended or restricted during live events at panda99's discretion.
5. RNG and Fairness: All slot games and RNG-based casino games use independently certified Random Number Generators. Return to Player (RTP) percentages displayed on game pages represent theoretical long-term averages and do not guarantee individual session results.

The following conduct is strictly prohibited on the panda99 Platform. Violation of any of these provisions may result in immediate account suspension, permanent closure, forfeiture of balances, and reporting to relevant authorities where required:

• Registering more than one account or accessing the Platform through another Player's account;
• Providing false, misleading, or inaccurate identity information during registration or KYC;
• Using automated tools, bots, scripts, or any artificial means to interact with the Platform;
• Engaging in collusion, match-fixing, insider betting, or any other form of fraudulent wagering;
• Depositing funds originating from criminal activity, money laundering, or other unlawful sources;
• Attempting to reverse transactions fraudulently through chargebacks or payment disputes without valid grounds;
• Exploiting software bugs, errors, or vulnerabilities for personal financial gain;
• Harassing, threatening, or engaging in abusive conduct toward panda99 staff or other Platform users;
• Accessing the Platform from a jurisdiction where doing so is prohibited by local law.

panda99 reserves the right to suspend, restrict, or permanently close any Player account at any time, with or without prior notice, if any of the following circumstances arise:

• Breach of any provision of these Terms or associated policies;
• Failure to satisfactorily complete KYC verification within a reasonable timeframe;
• Reasonable suspicion of fraudulent activity, money laundering, or prohibited conduct;
• Receipt of a chargeback or payment reversal dispute associated with the account;
• Account inactivity exceding twelve (12) consecutive months, subject to applicable dormancy policy;
• Discovery that the account holder is under 21 years of age;
• Receipt of a self-exclusion request from the account holder.

Where an account is closed due to the Player's breach of these Terms, panda99 reserves the right to withold all or part of any remaining balance. Where an account is closed at panda99's discretion without Player fault, any verified real-money balance will be returned to the Player via the original deposit method following completion of final verification checks.

Players may voluntarily close their account at any time by contacting customer support. Self-exclusion requests will be processed in accordance with our Responsible Gambling Policy.

To the fullest extent permitted by applicable law, panda99, its officers, directors, employees, agents, and licensors shall not be liable for:

1. Any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform;
2. Loss of profits, loss of data, or loss of business opportunity arising from Platform use;
3. Damages resulting from unauthorised access to or alteration of your account caused by your failure to maintain secure credentials;
4. Interruptions to Platform availability resulting from scheduled maintenance, unplanned outages, third-party service disruptions, or force majeure events;
5. Losses arising from errors in sports data feeds, third-party game providers, or payment processor delays outside panda99's reasonable control.

In all cases where liability cannot be excluded by law, panda99's aggregate liability to any Player shall not exceed the total amount deposited by that Player in the six (6) months immediately preceding the event giving rise to the claim.

panda99 is committed to promoting responsible gambling practices. The Platform provides players with tools to manage their gaming activity, including voluntary deposit limits, loss limits, session time limits, cooling-off periods, and self-exclusion options.

All players are reminded that gambling should be an entertainment activity conducted within personal financial means. panda99 strongly encourages players to familiarise themselves with the tools and resources available through our dedicatedResponsible Gambling page.

panda99 processes personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By registering an account and using the Platform, you consent to the collection, processing, and use of your personal data as described in the Privacy Policy.

Personal data collected by panda99 — including your name, identification documents, contact details, payment information, and gaming activity — is used exclusively for the purposes of account management, KYC verification, payment processing, fraud prevention, and regulatory compliance. We do not sell your personal data to third parties.

Players have the right to request access to, correction of, or deletion of their personal data held by panda99. Such requests should be directed to our support team at [email protected].

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction under which panda99 holds its international gaming licence. Any disputes arising from or in connection with these Terms which cannot be resolved through our internal complaints procedure shall be submitted to the jurisdiction of the applicable licensing authority's dispute resolution mechanism.

Players accessing the Platform from Malaysia acknowledge that online gambling is governed by the Common Gaming Houses Act 1953 and the Betting Act 1953 under Malaysian law, and that they are solely responsible for ensuring their compliance with applicable local legislation. panda99 does not claim to be regulated by any Malaysian government authority and makes no representation that use of the Platform is lawful in Malaysia or in any other jurisdiction.

panda99 reserves the right to amend, update, or replace these Terms and Conditions at any time and without prior notice. The most current version of the Terms will be published on this page with an updated effective date. It is your responsibility to review these Terms periodically to stay informed of any changes.

Your continued use of the Platform following the publication of updated Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must cease using the Platform and may request account closure through our customer support team.

Material changes to these Terms — such as changes affecting your rights, payout policies, or account closure procedures — will be communicated to registered players via the Platform or by email where reasonably practicable. Minor changes such as corrections, clarifications, and formatting updates may be made without specific notification.

If you have any questions, concerns, or complaints regarding these Terms and Conditions, or any aspect of the panda99 Platform, please contact our support team using the details below: