Terms and Conditions rafa77 – The Complete Platform User Guide

These terms and conditions ("Terms") constitute a legally binding agreement between you ("Member" or "User") and rafa77 ("Company", "we", or "Platform"). By accessing, registering for, or using any part of the rafa77 platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

If you disagree with any part of these Terms, you are not permitted to use the rafa77 platform. Continued use following any amendment to these Terms constitutes acceptance of the amended terms.

These Terms apply to all platform users, including visitors browsing without an account, registered members, and active players. These Terms are in addition to any specific agreements you may have with rafa77 for particular products or services.

To register an account at rafa77, you must meet the following requirements:

• At least 18 years old on the date of registration.
• Have full legal capacity to enter into a binding agreement.
• Not a resident or citizen of a jurisdiction where the use of online gambling platforms is fully prohibited by local law.
• Not currently on the self-exclusion list of any recognized gambling platform.

Each individual is only permitted to hold one account at rafa77. Holding multiple accounts is a serious violation and may result in all associated accounts being terminated and funds forfeited.

You are responsible for ensuring that all information provided during registration is accurate, complete, and up to date. rafa77 reserves the right to request identity verification documents (KYC) at any time, including copies of your ID, proof of address, and proof of payment method. Accounts that fail to complete the KYC process within the stipulated timeframe will be suspended until verification is complete.

Rafa77 accepts deposits via a variety of fully supported local payment methods, including FPX (all major Malaysia banks), Touch 'n Go eWallet, GrabPay, Boost, and selected cryptocurrencies. All deposits are processed in real time and credited to your account in under one minute.

• The minimum deposit amount is RM 20 per transaction.
• The payment method used for deposits must be in the same name as the rafa77 account holder.
• Rafa77 does not accept third-party deposits under any circumstances.
• Any suspicious deposits or those whose source cannot be verified may be withheld pending the completion of an investigation.
• Rafa77 does not charge any additional fees on deposits; however, your bank or digital wallet provider may apply their own charges.

All financial transactions at rafa77 are processed through a PCI-DSS certified payment gateway. Your card or bank account details are never stored directly on rafa77 servers.

Withdrawal of funds from a rafa77 account is subject to the following conditions:

• The minimum withdrawal amount is RM 50 per transaction.
• Withdrawals will be processed to the same payment method used for the deposit, for security and fraud prevention purposes.
• Approved withdrawal requests will be processed within 3 to 5 minutes.
• The first withdrawal from any account may require additional KYC verification, which is typically completed within 24 hours.
• Rafa77 reserves the right to hold withdrawals that require additional compliance review, with a maximum holding period of 5 business days.

Funds in an account that have not yet met the bonus wagering requirements are not eligible for withdrawal until those requirements are fully met. The amount eligible for withdrawal will be clearly displayed in your account dashboard.

Rafa77 offers a wide range of bonuses to members, including welcome bonuses, reload bonuses, cashback deals, and limited-time promotions. All bonuses are subject to the specific terms stated on their respective promotions pages.

General terms applicable to all rafa77 bonuses:

• Each member is entitled to claim each type of bonus once only, unless otherwise stated.
• Wagering requirements (rollover) must be met before any bonus funds or winnings derived from bonus funds can be withdrawn.
• Wagering using bonus funds is generally restricted to certain game types. Please check the specific terms for each promotion.
• Rafa77 reserves the right to cancel any bonus at any time if there are signs of abuse or fraud.
• Opting out of a bonus after partial use of the bonus funds is not permitted.

Bonus abuse — including but not limited to the use of multiple accounts, opposing bets (arbitrage betting), or strategies clearly intended to exploit bonus terms — is a serious violation that will result in account termination without compensation.

All games offered on the rafa77 platform use a Random Number Generator (RNG) audited by an independent, internationally recognized body. This ensures every game outcome is genuine, random, and cannot be manipulated.

• The use of automated software, bots, or any tool that provides an unfair advantage is strictly prohibited.
• Any technical disruptions during a game session will be resolved based on rafa77 server records, which are considered final.
• Wins resulting from a system bug or technical malfunction are void and will not be paid out.
• Rafa77 reserves the right to void bets placed during a confirmed system outage.
• Collusion between players to manipulate game outcomes is prohibited and may be reported to the relevant authorities.

For Live Casino games with real dealers, video recordings of game sessions are retained for a minimum of 30 days and may be used as evidence in the event of a dispute.

A rafa77 account that shows no login activity or transactions for a period of 12 consecutive months will be classified as an inactive account.

• Inactive accounts will be charged a monthly administrative fee of RM 10 or the remaining balance (whichever is lower), starting from the 13th month of inactivity.
• Rafa77 will send an email notification as a reminder before any fees are applied.
• To reactivate an inactive account, members simply need to log in and verify their identity if prompted.
• Accounts whose balance has reached zero due to inactivity fees will be closed automatically.

Rafa77 reserves the right to suspend or terminate any member's account, with or without prior notice, under the following circumstances:

• Violation of any part of these Terms.
• Suspected fraud, money laundering, or criminal activity.
• Bonus abuse or system exploitation.
• Holding multiple accounts.
• False or incomplete registration information.
• Abusive or inappropriate behavior toward staff or other players.

Members may also request to close their own account at any time by contacting the rafa77 support team. Any valid balance in a self-closed account will be processed for withdrawal within 5 business days, subject to all conditions having been met.

In the event of termination due to fraud or breach of terms, rafa77 reserves the right to hold the balance in the relevant account while an investigation is conducted and is under no obligation to return any funds if fraud is confirmed.

Rafa77 provides the platform on an "as-is" basis and makes no guarantee that the service will always be available without interruption, free from errors, or fit for any particular purpose.

• Rafa77 is not liable for any financial losses incurred as a result of legitimate game outcomes.
• Rafa77 is not liable for any losses caused by internet connection failures on the user's end.
• Information provided on the platform is for entertainment purposes only and does not constitute financial advice.
• Rafa77 is not responsible for the acts or omissions of third-party game providers, even where those games are hosted on our platform.

Under no circumstances shall rafa77's maximum liability to any member exceed the total amount deposited by that member in the 30 days preceding the claim.

Rafa77 is committed to protecting the privacy and personal data of its members in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA). The collection, use, and storage of your data is fully governed by Privacy Policy separately, which forms part of these Terms.

• Your personal data is used solely for account operations, regulatory compliance, and service improvement.
• Rafa77 does not sell, rent, or disclose members' personal data to third parties for marketing purposes without consent.
• You have the right to request access to your personal data held by rafa77 at any time.
• All data is stored on servers protected with industry-grade encryption.

Rafa77 takes our responsibility to promote healthy and responsible gambling seriously. We provide a range of tools you can use to better manage your platform usage:

• Deposit Limit: Set your own daily, weekly, or monthly deposit limits.
• Self-Exclusion: Temporarily suspend access to your account for 24 hours, 7 days, or 30 days.
• Self-Exclusion: Permanently close your account if you feel that gambling has had a negative impact on your life.
• Reality Check: Set time reminders to keep track of how long you have been playing.

If you or someone you know needs help with problem gambling, please visit the Responsible Gaming for more information and support resources.

These terms and conditions are governed and interpreted in accordance with the laws applicable in rafa77's operating jurisdiction. Any disputes arising in connection with these Terms will be resolved through the following process:

• Tier 1 – Customer Support: Contact the rafa77 support team first. Most issues are resolved within 24 hours.
• Tier 2 – Management Review: If unresolved, the issue will be escalated to management for review within 5 business days.
• Tier 3 – Arbitration: Disputes that cannot be resolved internally may be referred to a mutually agreed independent arbitration body.

Rafa77 is committed to resolving every dispute fairly, transparently, and within a reasonable timeframe. We encourage all members to contact us directly before taking any further action.

These terms and conditions take effect from 1 January 2026 and supersede all previous versions. Any inquiries regarding this document may be directed to our support team via the in-platform live chat.