Panda95 Terms & Conditions – Platform Usage Guide for Malaysian Players

1Definitions & Scope of Terms

"Platform" refers to the panda95 website accessible at panda95.world, including all games, services, features, content and functions available therein. "Player" or "You" refers to any individual who registers an account or uses the panda95 platform. "panda95" or "We" refers to the company that owns and operates this platform.

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and panda95. They govern your use of the platform, games, promotions and all services offered by panda95 to Malaysian players and other users accessing this platform.

Any new services, features, or games added to the panda95 platform in the future will also be subject to these Terms, unless otherwise specifically stated by panda95 in a separate notice.

2Eligibility & Account Registration

To register and use the panda95 platform, you must meet all of the following eligibility requirements at the time of registration and throughout your continued use:

• Be at least 18 years old or have reached the age of majority under the laws of your jurisdiction of residence, whichever is higher.
• Has full legal capacity to enter into a binding agreement.
• Not be an employee, officer, director, partner or immediate family member of any individual working with panda95 or its affiliated companies.
• Has never had an account terminated at panda95 for fraud, breach of terms, or misconduct.
• Registering in a personal capacity only, and not on behalf of any third party or business entity.

During registration, you are required to provide complete, accurate and up-to-date information, including your full name, an active Malaysian phone number, and a valid email address. panda95 reserves the right to request additional identity verification documents at any time, particularly during the first withdrawal process or when KYC (Know Your Customer) compliance requirements arise.

3Player Account & Responsibilities

Each player is only permitted to hold one (1) active account at panda95 at any time. Registering multiple accounts — whether using the same or different information — is strictly prohibited. panda95 employs an automated detection system to identify duplicate accounts, and any account confirmed as a duplicate will be terminated immediately without prior warning.

You are solely responsible for keeping your account username and password confidential. Never share your login credentials with anyone, including family members. panda95 is not liable for any loss or damage resulting from unauthorised access to your account caused by your own failure to keep your login details secure.

If you suspect that your account has been accessed by an unauthorised party, you must contact the panda95 support team immediately via live chat or email at support@panda95.world. panda95 will take appropriate steps to secure your account upon receiving such a report.

You also agree to keep your account information up to date whenever changes occur, particularly your phone number and email address, which are used to receive important notifications and two-factor authentication codes.

4Depositing into Your panda95 Account

Panda95 accepts deposits via the following local Malaysian payment methods: Touch 'n Go eWallet, GrabPay, Boost, ShopeePay, DuitNow, and FPX via Maybank2u and CIMB Clicks. The minimum deposit is RM 10 and credit the amount to your panda95 account almost instantly once payment is confirmed by the payment provider.

All deposits made to a panda95 account are strictly for entertainment purposes. Deposited funds do not accrue interest and cannot be transferred to other players. panda95 is not responsible for any fees or charges imposed by your e-wallet provider or bank in connection with deposit transactions.

• Minimum deposit: RM 10 per transaction.
• Deposit methods: Touch 'n Go, GrabPay, Boost, ShopeePay, DuitNow, FPX.
• Processing time: Near-instant (typically within 1–5 minutes).
• Currency: Malaysian Ringgit (RM / MYR) only.
• Deposits must be made using a payment method registered in your own name.

5Withdrawal of Winnings

Players may request a withdrawal at any time, subject to any bonus rollover requirements that may be active on your account. panda95 strives to process all withdrawal requests within 5 to 15 minutes to your chosen payment method.

For the first withdrawal, panda95 reserves the right to request identity verification (KYC), including a copy of your identification card and proof of ownership of the payment method used for deposit. This is a standard security procedure that protects you from unauthorised use of your account.

• Minimum withdrawal: RM 30 per transaction.
• Processing time: 5–15 minutes (subject to KYC verification for first withdrawals).
• Withdrawals may only be made to the same payment method used for your deposit.
• Panda95 does not charge any processing fees for standard withdrawals.
• Panda95 reserves the right to delay withdrawals by up to 48 hours for security review purposes where deemed necessary.

Should there be a discrepancy between the panda95 account name and the name on the bank account or e-wallet used, panda95 reserves the right to hold the withdrawal until the discrepancy is resolved through the appropriate identity verification process.

6Bonuses, Promotions & Special Offers

Panda95 offers a range of bonuses and promotions from time to time, including welcome bonuses for new players, reload bonuses, cashback offers, free spin offers and various seasonal promotions. Each bonus and promotion carries specific terms and conditions that must be met before any withdrawal can be made.

The rollover requirement (or "wagering requirement") is a fundamental condition for all bonuses at panda95. Rollover means you are required to place bets totalling a specified amount (usually expressed as "xN times" the bonus amount) before any winnings derived from that bonus can be withdrawn. The exact rollover requirement for each bonus is clearly stated in its respective promotion terms.

• Bonuses are for individual players only — sharing or selling bonuses to other players is strictly prohibited.
• Panda95 reserves the right to void any bonus obtained through fraudulent or illegitimate means.
• Only one welcome bonus is allowed per player, per household and per device.
• Panda95 reserves the right to modify or withdraw any promotion at any time with reasonable notice.
• Winnings derived from bonus balance cannot be withdrawn until the rollover requirement has been fully met.

7Game Rules

All games available on the panda95 platform — including slots, Live Casino, poker, blackjack, lottery, Virtual Sports, and Sports Betting — are operated in accordance with the respective game rules set by each certified game provider. You agree to comply with all applicable game rules.

The outcomes of all casino games, slots and RNG (Random Number Generator) based games are final and cannot be disputed or reviewed, unless there is clear evidence of a technical failure verifiable through panda95's system logs. In the event of a confirmed technical failure, panda95 reserves the right to void the round in question and refund the wagered amount to the player.

• Minimum and maximum bet limits for each game are displayed in the game interface before you begin wagering.
• Panda95 is not liable for player-side internet connection failures that cause disruptions during active gameplay.
• For Sports Betting, the odds accepted at the time the bet is placed are the applicable odds, not the odds at the time of payout.
• Panda95 reserves the right to void Sports Betting wagers where there is a material error in the published odds that clearly does not reflect the actual market.

8Prohibited Conduct

The following activities are strictly prohibited on the panda95 platform and may result in immediate account termination, forfeiture of all balances, and legal action where applicable:

• Opening more than one account or registering under a false identity or someone else's identity.
• Using automation software, bots, scripts or any other technology to artificially generate winnings or fulfil rollover requirements.
• Colluding with other players to exploit game mechanics, including in Live Casino table games.
• Abusing the bonus system in a manner clearly not intended for genuine entertainment purposes.
• Attempting to hack, damage or interfere with the normal functioning of the panda95 platform.
• Using the platform for money laundering or any other illegal activities.
• Registering an account on behalf of a player whose account has been terminated by panda95.

9Account Termination & Suspension

Players may request to close their panda95 account at any time by contacting the support team via live chat or email. Account closure requests will be processed within 24 hours. Before the account is closed, players have the opportunity to withdraw any existing balance (subject to any outstanding rollover requirements).

Panda95 reserves the right to suspend or terminate any player's account without prior notice under the following circumstances:

• Violation of any terms set out in this document.
• Confirmation that the player is under 18 years of age.
• Confirmation that a player has used a false identity or misleading information during registration.
• Legal compliance requirements or requests from the relevant authorities.
• Threatening, abusive, or offensive conduct toward our support team or other players.

In the event of termination due to a terms violation, panda95 reserves the right to withhold balance withdrawals and forfeit all bonuses with unfulfilled rollover requirements pending the completion of an investigation. If no violation is established, any valid balance will be returned to the player within a reasonable timeframe.

10Responsible Gaming

Panda95 is committed to responsible gaming and recognises that a small number of players may struggle to manage their playing habits. Our platform provides a range of self-control tools that players can activate at any time from their account settings.

Self-exclusion tools available at panda95 include: daily, weekly or monthly deposit limits that you can set yourself; session time reminders to alert you when you have exceeded your set play duration; and self-suspension options for periods of 24 hours, 7 days, 30 days or permanently for players who wish to take a complete break from the platform.

• Deposit limit: Can be self-configured in account settings and takes effect immediately upon activation.
• Self-exclusion: Once activated, the player will be unable to log in or play until the period expires.
• Permanent exclusion: Players who wish to permanently close their account for responsible gaming reasons may submit a request, and panda95 will close the account without any obstacles.

If you or someone you know is experiencing issues related to gambling, please contact the panda95 support team or seek professional help. panda95 encourages all players to play responsibly and within their means.

11panda95 Liability Limits

Panda95 provides the platform on an "as is" basis and makes no guarantee that the platform will always be available without interruption, free from errors, or fully secure from cyber threats. panda95 will endeavour to maintain platform availability but is not liable for losses arising from technical disruptions beyond our control.

Panda95's maximum liability to any player under any circumstances is limited to the total amount deposited by that player in the 12 months preceding the claim. panda95 is not liable for any indirect, incidental, or consequential losses arising from the use of this platform.

12Amendments to Terms & Governing Law

Panda95 reserves the right to modify, update, or replace any part of these Terms & Conditions at any time with reasonable notice. For material changes that directly affect player rights, panda95 will provide at least 7 days' notice before the changes take effect, via email or in-platform notification.

Continued use of the panda95 platform after the effective date of any changes to these terms constitutes your acceptance of the amended terms. If you do not agree with the changes, you have the right to close your account and withdraw your balance before they take effect.

These Terms and Conditions are governed by and interpreted in accordance with applicable law. Any disputes arising from or in connection with these terms will be resolved through the dispute resolution process established by panda95, details of which are available by contacting our support team.

The Malaysian language version of this document is the primary version applicable to Malaysian players. In the event of any conflict between the Malaysian language version and any other language version (if available), the Malaysian language version shall take precedence for the purposes of resolving disputes involving Malaysian players.

If you have any questions about these Terms and Conditions, please contact the panda95 support team via 24/7 live chat or email at support@panda95.world. Our Bahasa Malaysia-proficient team is ready to help you understand any part of this document.