Gem55 Terms and Conditions — Malaysia Betting Platform Guidelines

1 Definitions & Interpretation

"Platform" refers to the gem55.pro website, the gem55 mobile app, and all digital services operating under the gem55 brand. "Account" means a user account officially registered on the gem55 platform. "Funds" refers to money deposited, won, or held within a user's gem55 account. "Bonus" means any free credits, matched funds, or other rewards granted by gem55 to users under specific promotional terms.

"Rollover" or "Turnover" refers to the total wagering amount a user must reach before any associated bonus or funds can be withdrawn. "KYC" (Know Your Customer) refers to the identity verification process required by gem55 before permitting fund withdrawals or increasing account limits. "Responsible Gaming" refers to the set of features and policies provided by gem55 to help users maintain control over their gambling habits.

2 Membership Eligibility

To register and use the gem55 platform, you must meet all of the following eligibility requirements:

• At least 18 years of age at the time of registration.
• Not a citizen or resident of any country that specifically prohibits online gambling.
• Capable of making independent, legally binding decisions without coercion.
• You have never previously been banned or blocked from using the gem55 platform due to a terms violation.
• Do not register on behalf of another person or business entity without written authorisation from gem55.

3 Account Registration

Each user is only permitted to hold one (1) active account on the gem55 platform. Registering multiple accounts using the same or different names, phone numbers, email addresses, identification numbers, or financial information is strictly prohibited.

During the registration process, you are required to provide accurate, current, and complete information. gem55 reserves the right to suspend or terminate any account containing false, inaccurate, or misleading information without prior notice.

4 Deposits & Payments

Gem55 accepts deposits via a variety of payment methods available in Malaysia, including FPX, Touch 'n Go eWallet, Boost, GrabPay, bank transfer, and Visa or Mastercard credit/debit cards. All deposits must come from legitimate financial sources in the name of the registered user themselves.

Minimum and maximum deposit amounts are as stated on the Deposit page within the user account and may vary depending on the chosen payment method. gem55 reserves the right to update these limits from time to time without prior notice.

• Successfully processed deposits cannot be reversed once they have entered the user's gem55 account.
• Gem55 does not cover any fees charged by your bank or e-wallet provider.
• If a deposit fails to process but funds have already been deducted from your account, please contact gem55 customer support within 24 hours with proof of transaction.
• Gem55 reserves the right to delay the processing of suspicious deposits for security review and anti-money laundering (AML) compliance purposes.

5 Fund Withdrawals

Withdrawing funds from a gem55 account is subject to several key conditions that must be fully met before a request can be processed. These conditions exist to protect user security and ensure compliance with relevant financial regulations.

Users must have completed the full KYC process, including verification of their ID number and bank account, before their first withdrawal request can be approved. Once KYC is complete, subsequent withdrawals are typically processed within 15 minutes to one hour on business days.

• Funds received through bonuses must meet the specified rollover requirements before they can be withdrawn.
• The bank account designated for withdrawals must be in the same name as the registered user.
• Daily and monthly withdrawal limits are as stated in the user account according to your VIP tier.
• Gem55 reserves the right to suspend withdrawals for further review if suspicious activity is detected on an account.
• Withdrawal requests that cannot be processed within 24 hours will be communicated to the user via their registered email.

6 Bonuses & Promotions

Gem55 offers a variety of bonuses and promotions from time to time as a way to reward loyal players and welcome new members. Each bonus or promotion is subject to the specific terms stated alongside the offer, which may vary from one promotion to another.

The rollover requirements commonly applied by gem55 range from 5x to 30x the bonus value, depending on the promotion type. The exact rollover requirement will be clearly stated on each promotion page before the user chooses to accept any bonus.

• Bonuses cannot be transferred between accounts or to other users under any circumstances.
• Gem55 reserves the right to cancel or modify bonus terms at any time if there is evidence of abuse.
• Using more than one account to claim the same bonus is considered fraud and will result in the forfeiture of all bonuses and account closure.
• The welcome bonus is only available to users registering for the first time and making their first deposit.
• Any attempt to exploit the bonus system through hedge betting or similar methods is strictly prohibited.

7 Wagering Rules

All games and wagering on the gem55 platform are subject to the specific game rules stated in each game category. In general, gem55 ensures that all games operate using a random number generator (RNG) that has been independently audited to guarantee full fairness and transparency.

In the event of any dispute regarding game outcomes, gem55's server records will be considered the definitive evidence, superseding any screenshots or other evidence submitted by the user. gem55 is committed to resolving all disputes fairly and within a reasonable timeframe.

• Accepted and confirmed bets cannot be cancelled once the game has started.
• Gem55 reserves the right to void bets in the event of a technical error or system disruption that affects the integrity of the game.
• Minimum and maximum bet limits are as displayed at each game table or game title.
• The use of automation software, bots, or any technical assistance tools to gain an unfair advantage is strictly prohibited.

8 User Conduct

Gem55 expects all users to interact with the platform and other users in a respectful, responsible, and legally compliant manner. Behaviour that disrupts other users' experience or undermines the integrity of the platform will not be tolerated.

Users are prohibited from engaging in any activity that may constitute fraud, money laundering, terrorism financing, or any other illegal activity. gem55 cooperates fully with the relevant authorities in cases involving illegal activity.

9 Account Closure & Suspension

Gem55 reserves the right to suspend or close any user account without prior notice if a breach of these Terms and Conditions is found. Users may also close their own account at any time by contacting gem55 customer support.

If gem55 initiates account closure due to a terms violation, any bonus balance in the account will be forfeited in full. Valid deposit funds may be returned after the investigation is completed, subject to the relevant conditions.

• Users who choose to voluntarily self-exclude through the Responsible Gaming programme will not be able to reopen their accounts until the exclusion period has ended.
• Account closure requests will be processed within 5 business days.
• Any valid remaining funds will be returned to the registered bank account within 7–14 business days after account closure is confirmed.

10 Liability Limits

Gem55 is not liable for any indirect, incidental, special, or consequential losses arising from the use of the platform, including but not limited to loss of profits, data loss, or business interruption, even if gem55 has been advised of the possibility of such losses.

Gem55's liability under any circumstances is limited to the amount you deposited in the 30 days prior to the liability claim arising. This limit applies in full to the extent permitted by applicable Malaysian law.

Gem55 does not guarantee that the platform will operate without interruption or error at all times. While gem55 strives to maintain platform availability at 99.9%, unavoidable technical disruptions may occur from time to time.

11 Privacy & Data Protection

The collection, processing, and storage of user personal data by gem55 is subject to the gem55 Privacy Policy, which forms part of this agreement. gem55 is committed to protecting user privacy in accordance with the Malaysia Personal Data Protection Act 2010 (PDPA).

User data will only be shared with third parties necessary for platform operations, such as payment providers and game software providers, and only to the extent required for those purposes. gem55 does not sell or rent user data to any third party for marketing purposes.

12 Amendments to Terms & Governing Law

Gem55 reserves the right to amend, add, or remove any part of these Terms and Conditions at any time without prior notice. Amendments take effect immediately upon being published on the platform. It is the user's responsibility to review these Terms and Conditions periodically to stay informed of the latest version.

Continued use of the gem55 platform after any amendment is published will be deemed full acceptance of the amended terms. If you do not agree with the changes made, you should stop using the platform and close your account.

These Terms and Conditions are governed by the laws of Malaysia. Any dispute arising from or in connection with these terms shall be resolved through binding arbitration in Malaysia, unless both parties agree to resolve it by other means.