Last Updated: January 2026 | Effective Date: January 1, 2026

Important Notice: By creating an account, depositing funds, or placing bets on the afc88 platform, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety. If you do not agree with any provision contained herein, you must immediately cease using our services and close your account.

1. Definitions

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

  • "afc88," "we," "us," or "our" refers to the online betting platform operating at https://afc88.cam and all associated services, software, and infrastructure.
  • "User," "you," or "your" refers to any individual who registers an account, accesses the platform, or uses any services provided by afc88.
  • "Account" refers to the personal betting account created by a user upon successful registration and verification.
  • "Services" refers to all sports betting, live casino, slot games, and related entertainment products offered through the afc88 platform.
  • "Funds" refers to monetary deposits, winnings, bonuses, and any other financial assets held in your afc88 account, denominated in Indonesian Rupiah (IDR).
  • "Bonus" refers to promotional credits, free bets, cashback offers, or any other incentive provided by afc88 subject to specific terms and wagering requirements.
  • "Wager" or "Bet" refers to any stake placed on sports events, casino games, or other betting markets available on the platform.

2. Eligibility and Account Registration

2.1 Age Requirement

You must be at least twenty-one (21) years of age to register an account, deposit funds, or place bets on afc88. We strictly enforce this age restriction and reserve the right to request government-issued identification documents to verify your age at any time. Accounts found to belong to individuals under 21 years of age will be immediately suspended, all funds will be forfeited, and any winnings will be voided without exception.

2.2 Geographic Restrictions

Our services are designed for residents of Indonesia. By registering, you confirm that you are physically located in Indonesia at the time of account creation and during use of our services. We employ IP address verification and may request proof of residency. Users attempting to circumvent geographic restrictions through VPN, proxy servers, or other masking technologies will have their accounts terminated and funds forfeited.

2.3 Account Registration Process

To register an account, you must provide accurate, current, and complete information including but not limited to: full legal name as it appears on your government-issued ID, valid email address, active mobile phone number, date of birth, residential address, and preferred payment method. Providing false, misleading, or fraudulent information constitutes a material breach of these Terms and will result in immediate account closure.

2.4 One Account Per Person

Each user is permitted to maintain only one (1) active account with afc88. Creating multiple accounts, whether for the purpose of claiming multiple bonuses, circumventing account restrictions, or any other reason, is strictly prohibited. We employ sophisticated fraud detection systems to identify duplicate accounts based on personal information, payment methods, device fingerprinting, and behavioral patterns. Upon detection of multiple accounts, all related accounts will be closed, funds will be forfeited, and winnings will be voided.

2.5 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials (username and password). You must not share your login information with any third party. All activity conducted through your account will be deemed to have been authorized by you. If you suspect unauthorized access to your account, you must immediately notify our customer support team via live chat, email ([email protected]), or WhatsApp (+62 812-3456-7890).

3. Know Your Customer (KYC) Verification

afc88 operates under strict anti-money laundering (AML) and counter-terrorism financing (CTF) regulations that require us to verify the identity of all users. Upon registration or before processing your first withdrawal, you will be required to submit the following documents:

  • Government-Issued Photo ID: Indonesian KTP (Kartu Tanda Penduduk), valid passport, or Indonesian driver's license. The document must be valid (not expired) and clearly show your full name, date of birth, photograph, and ID number.
  • Proof of Address: Utility bill (electricity, water, gas, or internet), bank statement, or government-issued document dated within the last three (3) months showing your name and residential address.
  • Selfie Verification: A clear photograph of yourself holding your government-issued ID next to your face, with both your face and the ID document clearly visible.
  • Payment Method Verification: For bank transfers, a screenshot or photo of your bank account statement or mobile banking app showing your name and account number. For e-wallets, verification through the provider's authentication system.

Verification typically completes within 2-6 hours during business hours (08:00-22:00 WIB). Failure to provide requested documents within seven (7) days will result in account suspension until verification is completed. We reserve the right to request additional documentation at any time to comply with regulatory requirements or to investigate suspicious activity.

4. Deposits and Payments

4.1 Accepted Payment Methods

afc88 accepts deposits via the following Indonesian payment methods: bank transfers through BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, and BSI; e-wallet transfers through OVO, DANA, GoPay, ShopeePay, and LinkAja; and credit/debit cards (Visa and Mastercard). All transactions must be conducted in Indonesian Rupiah (IDR). The minimum deposit amount is Rp 50,000 per transaction.

4.2 Deposit Processing

Bank transfer deposits typically process within 5-15 minutes during banking hours (08:00-20:00 WIB) and may be delayed outside these hours. E-wallet deposits process instantly in most cases. Credit card deposits process within 5 minutes subject to issuer authorization. afc88 does not charge any deposit fees; however, your financial institution may impose interbank transfer fees or transaction charges which are beyond our control.

4.3 Source of Funds

You warrant that all funds deposited into your afc88 account originate from legitimate sources and are not derived from illegal activities. You further warrant that you are the legal owner of the payment method used and have full authorization to transfer funds from that method. We reserve the right to investigate the source of large deposits or unusual deposit patterns and may request additional documentation to verify the legitimacy of funds.

5. Withdrawals

5.1 Withdrawal Process

Withdrawal requests can be submitted at any time through your account dashboard. The minimum withdrawal amount is Rp 100,000 per transaction. You must withdraw funds to a payment method registered in your own name matching your verified afc88 account name. Third-party withdrawals are strictly prohibited for AML compliance reasons.

5.2 Withdrawal Processing Times

E-wallet withdrawals (OVO, DANA, GoPay, ShopeePay, LinkAja) typically process within 2 hours after approval. Bank transfer withdrawals (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, BSI) typically process within 6 hours during business hours (08:00-20:00 WIB). Withdrawal requests submitted after 20:00 WIB will be processed the following business day. VIP members enjoy priority processing with typical completion under 1 hour during business hours.

5.3 Withdrawal Limits

Standard account holders may withdraw up to Rp 50,000,000 per day. VIP Silver members may withdraw up to Rp 100,000,000 per day. VIP Gold and Platinum members have no daily withdrawal limits. Higher withdrawal amounts may require additional verification and processing time.

5.4 Wagering Requirements

All deposits must be wagered at least one (1) time before withdrawal to comply with AML regulations. For example, if you deposit Rp 1,000,000, you must place bets totaling at least Rp 1,000,000 before requesting a withdrawal. Bonus funds are subject to specific wagering requirements stated in the bonus terms and must be met before withdrawal of associated winnings.

6. Bonuses and Promotions

6.1 Bonus Eligibility

Bonuses and promotions offered by afc88 are subject to specific terms and conditions which are published alongside each offer. Only one active bonus per account at any given time. You must complete the wagering requirements of your current bonus before claiming a new bonus. Bonuses are intended for recreational players only; systematic bonus abuse or coordinated multi-account bonus claiming will result in bonus forfeiture and account closure.

6.2 Wagering Requirements

All bonuses carry wagering requirements (also called turnover requirements or rollover requirements) that must be completed before bonus funds and associated winnings can be withdrawn. Wagering requirements typically range from 10x to 35x the bonus amount depending on the promotion type. Different games contribute differently toward wagering requirements: slot games contribute 100%, live casino games contribute 10%, sports betting contributions vary by odds (typically 100% for odds above 1.50, 50% for odds between 1.25-1.49, 0% for odds below 1.25).

6.3 Maximum Bet Limits

While wagering bonus funds, the maximum bet per spin/hand/round is Rp 50,000 unless otherwise stated in the specific bonus terms. Exceeding this limit will result in forfeiture of bonus funds and any winnings derived from those bets.

6.4 Bonus Validity Period

All bonuses must be wagered within the validity period stated in the bonus terms (typically 7-30 days from the date of claiming). Failure to complete wagering requirements within this timeframe will result in automatic forfeiture of remaining bonus funds and any associated winnings.

7. Sports Betting Rules

All sports bets are subject to the specific rules of the sport, league, and bet type. In the event of match postponement, abandonment, or cancellation, bets will be voided unless at least 90% of the scheduled match duration has been completed (for football) or other sport-specific completion thresholds are met. Live betting (in-play betting) odds are updated in real-time; however, short delays may occur due to data transmission. Bets placed after an event's outcome is already determined will be voided. Maximum winnings per bet slip may be limited based on account status and bet type. Dead heat rules, Asian Handicap settlement rules, and sport-specific regulations are detailed in our comprehensive sports betting rules available via customer support.

8. Casino Games and RNG

All slot games, video poker, and virtual table games offered on afc88 use certified Random Number Generator (RNG) systems that have been tested and audited by independent third-party testing agencies to ensure fairness and randomness. The RTP (Return to Player) percentage for each game is available in the game information section. Live casino games are broadcast in real-time from licensed studios with professional dealers; game outcomes are determined by physical results (card draws, wheel spins, dice rolls) and cannot be manipulated by either the player or the platform. Malfunction voids all pays and plays. If a technical error results in incorrect winnings, afc88 reserves the right to correct the error and adjust account balances accordingly.

9. Responsible Gaming

afc88 is committed to promoting responsible gaming practices and protecting vulnerable individuals. We provide self-limit tools including daily, weekly, and monthly deposit limits, loss limits, wager limits, and session time reminders which you can set in your account settings. Self-exclusion options are available for periods of 1 month, 3 months, 6 months, or permanent closure. During self-exclusion, you will not be able to log in, deposit, or receive promotional communications. If you believe you or someone you know has a gambling problem, please contact our customer support team for assistance or visit our dedicated Responsible Gaming page for resources and support contacts. Online gambling should be entertainment, not a source of income or financial stress. Never gamble more than you can afford to lose.

10. Prohibited Activities

The following activities are strictly prohibited and constitute material breaches of these Terms & Conditions:

  • Creating multiple accounts or operating accounts on behalf of other individuals
  • Using VPN, proxy servers, or other IP masking technologies to circumvent geographic restrictions
  • Providing false, misleading, or fraudulent information during registration or verification
  • Depositing funds from third-party payment sources not registered in your own name
  • Colluding with other players, match-fixing participation, or insider betting based on non-public information
  • Using automated betting systems, bots, or scripts to place bets
  • Exploiting software errors, vulnerabilities, or pricing mistakes for systematic profit
  • Bonus abuse, including systematic claiming across multiple accounts or coordinated wagering to reduce risk
  • Money laundering, terrorist financing, or use of afc88 services to process illegally obtained funds
  • Chargebacks, payment reversals, or fraudulent disputes after deposits have been wagered
  • Harassment, threats, or abusive behavior toward staff or other users

Violation of any prohibited activity will result in immediate account suspension, forfeiture of all funds (deposits, winnings, and bonuses), and potential referral to law enforcement authorities for criminal prosecution.

11. Account Suspension and Closure

afc88 reserves the right to suspend or close any account at our sole discretion if we suspect fraudulent activity, violation of these Terms, money laundering, underage gambling, or any other behavior that threatens the integrity of our platform or the safety of other users. In the event of account closure for legitimate reasons (user request, non-violation circumstances), we will process the withdrawal of any remaining balance after deducting applicable fees or bonus forfeitures. In the event of account closure due to Terms violations, all funds may be forfeited. You have the right to request account closure at any time by contacting customer support; we will process your request within 24-48 hours and return any remaining balance to your registered payment method.

12. Intellectual Property

All content on the afc88 platform, including but not limited to text, graphics, logos, images, software, game interfaces, and data compilations, is the property of afc88 or its content providers and is protected by Indonesian and international copyright, trademark, and intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the platform for personal entertainment purposes only. You may not reproduce, distribute, modify, reverse engineer, or create derivative works from any platform content without our express written permission.

13. Limitation of Liability

To the maximum extent permitted by applicable law, afc88 shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of our services, including but not limited to loss of profits, loss of data, or business interruption, even if we have been advised of the possibility of such damages. Our total aggregate liability for all claims arising from your use of afc88 services shall not exceed the total amount of deposits you have made to the platform in the six (6) months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based, whether contract, tort, negligence, strict liability, or otherwise.

14. Disputes and Complaints

If you have any complaint or dispute regarding our services, you must first contact our customer support team via live chat, email ([email protected]), or WhatsApp (+62 812-3456-7890) within seven (7) days of the disputed event. We will investigate your complaint and respond within 14 days. If the dispute cannot be resolved through customer support, you may escalate the matter to our compliance department. All disputes will be handled in accordance with Indonesian law and jurisdiction.

15. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of Indonesia. Any disputes arising from these Terms or your use of afc88 services shall be subject to the exclusive jurisdiction of the courts of Indonesia. By using our services, you consent to the jurisdiction and venue of such courts and waive any objections to such jurisdiction or venue.

16. Amendments to Terms

afc88 reserves the right to modify, amend, or update these Terms & Conditions at any time without prior notice. Changes become effective immediately upon posting to the platform. Your continued use of afc88 services after any such changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically to stay informed of any updates. Material changes will be communicated via email or platform notification.

17. Contact Information

For any questions, concerns, or inquiries regarding these Terms & Conditions, please contact us through the following channels:

  • Email: [email protected] (displayed as plain text for your reference)
  • Live Chat: Available 24/7 on all pages of the platform
  • WhatsApp: +62 812-3456-7890 (number displayed as plain text for your reference)
  • Support Hours: 24/7 (WIB timezone)

Acceptance of Terms: By creating an account and using afc88 services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms & Conditions, our Privacy Policy, and our Responsible Gaming policy. If you do not agree with any provision, you must not use our services.

Key Terms Highlights

Age Verification

You must be at least 21 years of age to use afc88 services. We enforce strict age verification through government-issued ID checks and reserve the right to request additional documentation at any time.

Account Security

You are responsible for maintaining the confidentiality of your account credentials. All activity conducted through your account is deemed authorized by you. Report any unauthorized access immediately.

Wagering Requirements

All deposits must be wagered at least once before withdrawal. Bonus funds carry specific wagering requirements (typically 10x-35x) that must be completed within the validity period to withdraw associated winnings.

Withdrawal Processing

E-wallet withdrawals process within 2 hours. Bank transfers process within 6 hours during business hours (08:00-20:00 WIB). VIP members enjoy priority processing under 1 hour. First-time withdrawals require KYC verification.

Prohibited Activities

Multiple accounts, VPN usage, false information, bonus abuse, collusion, automated betting, and money laundering are strictly prohibited and will result in account closure and fund forfeiture.

Responsible Gaming

We provide deposit limits, loss limits, session reminders, and self-exclusion tools. Gambling should be entertainment. Visit our Responsible Gaming page if you need support.

Have Questions?

Browse our FAQ or contact our 24/7 customer support team for clarification