fatcai99 Terms & Conditions

These Terms and Conditions ("Terms", "Agreement") govern the relationship between fatcai99 ("the Platform", "we", "us", "our") and any individual ("Player", "User", "you", "your") who accesses, registers on, or uses the services offered at https://fatcai99.cam ("the Website").

fatcai99 is an online casino and sports betting platform operated for the entertainment of Malaysian players and other eligible users. The Platform offers access to casino games, live dealer tables, sports betting markets, and related promotional activities.

These Terms constitute a legally binding agreement. By accessing or using any part of the Website, including creating an account, making a deposit, or participating in any game or promotion, you unconditionally accept these Terms. If you do not agree with any part of these Terms, you must discontinue use of the Platform immediately.

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

• "Platform" / "Website" — refers to https://fatcai99.cam and all associated pages, subdomains, mobile interfaces, and services operated under the fatcai99 brand.
• "Player" / "User" — any individual who has registered a verified account on the Platform and is eligible to access its services.
• "Account" — the personal account created by a Player upon completing the registration and verification process on the Platform.
• "Balance" — the total real money funds held in a Player's account, excluding any bonus funds that have not yet met wagering requirements.
• "Bonus Funds" — promotional credits awarded by the Platform subject to wagering requirements and other conditions as specified in individual promotion terms.
• "Wagering Requirement" / "Rollover" — the number of times a Player must wager bonus funds before they can be withdrawn as real money.
• "KYC" — Know Your Customer verification process requiring submission of valid identity and address documents to confirm a Player's identity and eligibility.
• "Transaction" — any deposit, withdrawal, bonus credit, or wagering activity processed through a Player's account.
• "Prohibited Activity" — any action by a Player that breaches these Terms, including but not limited to fraud, collusion, use of automated software, or exploitation of system errors.
• "Game Providers" — third-party software companies whose games are made available on the Platform under licensing arrangements.

To register and maintain an active account on fatcai99, a Player must satisfy all of the following eligibility criteria at all times:

1. Age Requirement. The Player must be at least 21 years of age at the time of registration and must remain so throughout the duration of their account. This age restriction is strictly enforced. Players who misrepresent their age will have their accounts permanently closed and any funds forfeited.
2. Legal Capacity. The Player must have the legal capacity to enter into a binding agreement under the laws of their country or territory of residence.
3. Jurisdiction. The Player must access the Platform from a jurisdiction where online gambling or betting is not prohibited by applicable law. It is the Player's sole responsibility to ensure that their use of the Platform complies with the laws of their jurisdiction.
4. Not a Restricted Person. The Player must not be subject to any restriction, self-exclusion order, or prohibition relating to gambling activities, whether imposed by the Platform, another operator, or a regulatory authority.
5. Single Account. Each Player may hold only one registered account on the Platform. Multiple accounts operated by the same individual — regardless of the name, email address, device, or payment method used — are strictly prohibited.
6. Own Account Use. Players must operate their account personally and must not allow any third party to access or use their account under any circumstances.

Registration on the Platform requires the accurate submission of personal information including, but not limited to, full legal name, date of birth, residential address, email address, and a chosen password. The Player warrants that all information provided is complete, accurate, and up to date.

4.1 KYC Documentation. Prior to processing any withdrawal, the Platform requires the Player to complete Know Your Customer ("KYC") verification. The following documents may be required:

• A valid government-issued photo identity document: Malaysian MyKad (IC), Passport, or Driver's Licence.
• Proof of residential address: a utility bill, bank statement, or official correspondence dated within the past three (3) months.
• A selfie photograph holding the identity document, with both the face and document clearly visible.
• Where required, confirmation of the payment method used — for example, a screenshot of the registered e-wallet or bank account showing the Player's name.

4.2 Verification Timing. KYC review is typically completed within 24 to 48 hours on business days. The Platform reserves the right to request additional documentation at any time, including during the ongoing operation of an account, where there is a reasonable compliance-related basis for doing so.

4.3 Account Security. Players are responsible for maintaining the confidentiality of their account login credentials. Any activity conducted through a Player's account is the responsibility of the account holder. fatcai99 must be notified immediately if a Player suspects unauthorised access to their account.

4.4 Accuracy of Information. Providing false or misleading information during registration or KYC is grounds for immediate account suspension. The Platform will not be liable for any losses arising from the Player's provision of inaccurate information.

fatcai99 accepts deposits via the following Malaysian payment methods: Touch 'n Go eWallet, Boost eWallet, GrabPay, DuitNow, FPX (Maybank, CIMB Bank, Public Bank, Hong Leong Bank, and other participating banks), and USDT TRC20 cryptocurrency.

5.1 Minimum Deposit. The minimum deposit amount is RM50 for all MYR payment methods. For cryptocurrency deposits via USDT TRC20, the minimum is the equivalent of approximately USDT 20. Minimum deposit amounts are subject to change and will be displayed at the point of transaction.

5.2 Own Funds. Players must only deposit funds that belong to them. The use of third-party payment methods, borrowed funds, or any funds whose legitimate origin cannot be established is strictly prohibited. The Platform may request evidence of fund source as part of its compliance obligations.

5.3 Deposit Processing. Deposits made via e-wallet methods (Touch 'n Go eWallet, Boost, GrabPay) are typically processed instantly. DuitNow and FPX bank transfers are typically processed within 5 to 10 minutes. Cryptocurrency deposits are subject to blockchain confirmation times, typically 15 to 30 minutes.

5.4 Currency. All accounts are denominated in Malaysian Ringgit (MYR). Cryptocurrency deposits are converted to MYR at the prevailing exchange rate at the time the transaction is confirmed on the blockchain. The Platform is not responsible for exchange rate fluctuations.

5.5 Rejected Deposits. The Platform reserves the right to reject or reverse any deposit that is suspected to involve fraudulent, unauthorised, or prohibited funds. In such cases, the deposit will be returned to the originating payment method where technically possible.

6.1 Eligibility for Withdrawal. To request a withdrawal, a Player must have: (a) completed KYC verification to the Platform's satisfaction; (b) met all applicable wagering requirements on any active bonus funds; (c) a Real Money Balance of at least the minimum withdrawal threshold; and (d) an account in good standing with no open compliance queries or disputes.

6.2 Processing Times. Withdrawals to e-wallet methods (Touch 'n Go eWallet, Boost, GrabPay) are typically processed within 5 to 30 minutes of approval. Bank transfer withdrawals via DuitNow or FPX are typically completed within 2 hours during business hours. Cryptocurrency withdrawals are subject to blockchain processing times.

6.3 Same Payment Method Policy. Withdrawals must, where possible, be processed back to the same payment method used for the deposit. The Platform reserves the right to request supporting documentation before approving withdrawals to a different payment method.

6.4 Withdrawal Limits. Minimum and maximum withdrawal limits are set per account tier and will be displayed within the Player's account cashier. Requests that exceed applicable limits may require verification of source of funds before processing.

6.5 Right to Withhold. The Platform reserves the right to withhold or delay a withdrawal where there are reasonable grounds to suspect fraud, money laundering, breach of these Terms, or where the Player's account is under investigation. Players will be notified of any such delay.

fatcai99 offers a range of promotional bonuses to registered Players, including welcome bonuses, reload bonuses, cashback offers, birthday bonuses, and referral commission programmes. All bonuses are subject to the following general conditions, in addition to any promotion-specific terms.

7.1 Wagering Requirements. Bonus funds must be wagered the specified number of times (the "rollover" or "wagering requirement") before any portion can be withdrawn as real money. For example, a RM100 bonus with a 15x wagering requirement requires the Player to place bets totalling RM1,500 before withdrawal eligibility is established on those bonus-derived funds.

7.2 Game Contribution Rates. Not all games contribute equally to the satisfaction of wagering requirements. Slot games typically contribute 100% of each wager toward the requirement. Live dealer games, table games, and virtual sports may contribute at reduced rates (commonly 10%–20%). Specific game contribution rates are stated in individual promotion terms.

7.3 Maximum Bet During Bonus Play. While bonus funds remain active in a Player's account, a maximum bet limit applies. Exceeding this limit during active bonus play constitutes a breach of promotion terms and may result in the forfeiture of the bonus and associated winnings. The applicable maximum bet is stated in each promotion's terms.

7.4 Bonus Expiry. All bonuses carry an expiry date, typically 7, 14, or 30 days from the date of credit, as stated in the specific promotion terms. Bonuses and any associated winnings not utilised before expiry will be removed from the Player's account without compensation.

7.5 One Bonus Per Promotion Per Player. Each player may claim each promotional offer once only, unless the promotion is explicitly designed for repeat redemption (such as a weekly cashback). Attempts to claim the same bonus multiple times — including through the creation of additional accounts — constitute bonus abuse.

7.6 Bonus Abuse. The Platform actively monitors for bonus abuse, including but not limited to: use of automated betting patterns to meet wagering requirements at minimal risk, collusion between accounts, misrepresentation of identity, and exploitation of promotional errors. Accounts found to have engaged in bonus abuse will have bonuses and associated winnings forfeited and may be permanently closed.

7.7 Platform Discretion. fatcai99 reserves the right to amend, suspend, or cancel any promotion at any time without prior notice. The Platform also reserves the right to withhold bonus payments where there is reasonable evidence of Terms violations.

8.1 Game Rules. Each game offered on the fatcai99 Platform operates according to rules established by the respective game provider. Players are responsible for familiarising themselves with the rules of any game before placing wagers. The Platform is not liable for losses arising from misunderstanding of game mechanics.

8.2 Sports Betting. All sports betting activity is subject to the Platform's betting rules, which govern minimum and maximum stake limits, void bet conditions, in-play betting procedures, and settlement timeframes. Sports betting markets — including Liga Super Malaysia, EPL, La Liga, UFC, and other competitions — are offered at the Platform's discretion and may be suspended or voided if an event is cancelled, postponed, or subject to significant irregularity.

8.3 Technical Malfunctions. In the event of a technical malfunction, software error, or disconnection during a game session, the outcome of the affected game round may be voided and any wager refunded at the Platform's discretion. fatcai99 is not liable for losses caused by internet connectivity failures on the Player's side.

8.4 Errors & Mispriced Odds. Where a bet is accepted at odds or on terms that are clearly in error — including but not limited to mispriced live betting odds or system errors — the Platform reserves the right to void the affected bets and return stakes, regardless of the stated result.

8.5 Player Responsibility. Players are solely responsible for the decisions they make during gameplay, including the decision to place any wager, the amount wagered, and the choice of game or market. fatcai99 does not offer any form of gaming advice.

The following activities are strictly prohibited on the Platform and will result in immediate account suspension, forfeiture of balances, and where applicable, referral to relevant law enforcement or regulatory authorities:

• Registration or use of the Platform by any person under the age of 21.
• The creation or operation of more than one account by the same individual, household, or device.
• The use of any automated betting software, bots, scripts, artificial intelligence tools, or other programmatic means to place bets or exploit game mechanics.
• Collusion with other Players, including but not limited to chip dumping, match manipulation, or coordinated exploitation of promotions.
• Money laundering or the use of the Platform to deposit, layer, or withdraw funds of illegal origin.
• Exploitation of software bugs, glitches, or pricing errors for financial gain.
• Chargebacks or fraudulent payment disputes filed after bonuses or winnings have been received in good faith.
• Any form of impersonation, including registering under a false identity or using another person's identity documents during KYC.
• Sharing, selling, or transferring accounts or account access to any third party.
• Any conduct that disrupts the fair operation of the Platform, including deliberate exploitation of live betting delays or edge-sorting in live card games.

10.1 Platform-Initiated Suspension. fatcai99 reserves the right to suspend, restrict, or permanently close any Player account at any time and without prior notice where: (a) there is reasonable suspicion of breach of these Terms; (b) KYC requirements have not been fulfilled within a reasonable period; (c) the account has been inactive for an extended period; or (d) there is a compliance obligation requiring the Platform to act.

10.2 Effect of Suspension. Where an account is suspended pending investigation, the account balance will be frozen during the investigation period. If the investigation concludes in the Player's favour, access will be restored and the balance made available. If the investigation confirms a breach, the Platform may forfeit some or all of the balance depending on the nature and extent of the breach.

10.3 Player-Initiated Closure. Players may request closure of their account at any time by contacting customer support. Where a Player's request is related to responsible gambling concerns, the Platform will process the self-exclusion promptly. Any Real Money Balance at the time of closure will be returned to the Player's verified payment method following standard KYC checks.

10.4 Bonus Forfeiture on Closure. Upon closure of an account — whether initiated by the Platform or the Player — any unclaimed bonus funds, pending bonus credits, or bonus-derived winnings that have not yet met wagering requirements will be forfeited.

fatcai99 is committed to promoting responsible gambling and takes its duty of care to Players seriously. The Platform provides a range of tools to assist Players in managing their gambling activity.

11.1 Available Tools. Players may access the following responsible gambling tools from their account settings at any time:

• Deposit Limits — set daily, weekly, or monthly maximum deposit amounts.
• Session Time Reminders — receive periodic notifications of the time spent in active session.
• Cooling-Off Periods — temporarily restrict access to the Platform for a defined period.
• Self-Exclusion — permanently or for a specified minimum period exclude yourself from accessing the Platform.

11.2 Self-Exclusion. Players who elect to self-exclude will have their account access suspended immediately upon request. The Platform will take reasonable steps to prevent re-registration by a self-excluded Player during the exclusion period. Players seeking to self-exclude should contact our support team immediately.

11.3 Mandatory Closure. The Platform may, at its discretion, mandate account closure or the implementation of responsible gambling restrictions where it has reasonable grounds to believe that a Player is gambling beyond their means or exhibiting signs of problem gambling.

For full details on all responsible gambling measures, resources, and guidance available through fatcai99, please visit our Responsible Gambling page. fatcai99 is for players aged 21 and above only.

All content on the fatcai99 Website, including but not limited to the brand name, logo, website design, graphics, text, software, game interfaces, and promotional materials, is the exclusive intellectual property of fatcai99 or is licensed to the Platform by its respective owners.

Players are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal entertainment purposes only. This licence does not permit Players to: reproduce, copy, distribute, republish, or commercialise any Platform content; reverse-engineer any game or platform software; or use the fatcai99 brand, logo, or trademark without express written authorisation.

Any unauthorised use of the Platform's intellectual property may give rise to legal action.

13.1 General Disclaimer. The Platform and all services provided on it are made available on an "as is" and "as available" basis. fatcai99 makes no warranties, express or implied, regarding the uninterrupted availability of the Platform, the accuracy of any information displayed, or the fitness of any game for a particular purpose.

13.2 Exclusion of Liability. To the maximum extent permitted by applicable law, fatcai99 shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from: (a) a Player's use of or inability to use the Platform; (b) any delay or interruption in service; (c) any technical malfunction or data loss; (d) any unauthorised access to a Player's account as a result of the Player's failure to maintain the security of their credentials.

13.3 Player Responsibility. Players acknowledge that gambling involves risk and that all bets placed are final and made at the Player's sole discretion and risk. fatcai99 does not accept responsibility for gambling losses incurred by Players.

13.4 Third-Party Content. The Platform integrates games and services from third-party providers. fatcai99 does not accept liability for any errors, defects, or interruptions in third-party game software that are outside its reasonable control.

The collection, storage, processing, and use of Player personal data by fatcai99 is governed by the Platform's Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, Players consent to the data practices described in the Privacy Policy.

In summary, fatcai99 collects personal data only to the extent necessary for account operation, KYC compliance, transaction processing, fraud prevention, and the provision of customer support. Player data is protected using industry-standard encryption and is not sold to third parties. Players have the right to access, rectify, and request deletion of their personal data in accordance with applicable data protection law.

Players are encouraged to review the full Privacy Policy for complete information on how their data is handled.

fatcai99 reserves the right to amend, update, or replace these Terms and Conditions at any time. Material changes to these Terms will be communicated to Players via notice on the Website and/or by email to registered account holders.

The "Last Updated" date displayed at the top of this page reflects the date on which the current version of these Terms came into effect. Continued use of the Platform following notification of amendments constitutes acceptance of the revised Terms. If a Player does not accept the revised Terms, they must cease using the Platform and may request account closure.

Players are encouraged to review these Terms periodically to remain informed of any changes.

16.1 Governing Law. These Terms and any dispute or claim arising out of or in connection with them shall be interpreted and governed in accordance with applicable law. Players acknowledge that certain activities offered on the Platform may be regulated or restricted in their jurisdiction and accept full responsibility for compliance with their local laws.

16.2 Dispute Resolution — Internal. In the first instance, any dispute relating to a Player's account, transactions, or the operation of the Platform should be referred to fatcai99 Customer Support via live chat or email. The Platform will endeavour to resolve all disputes within 10 business days of receipt of the complaint.

16.3 Dispute Resolution — Escalation. Where a dispute cannot be resolved through the internal process described above, the Platform will work with the Player to identify a suitable resolution mechanism. Decisions made by fatcai99 regarding disputes shall be treated as final where the Platform has acted in good faith in accordance with its published Terms.

16.4 Severability. If any provision of these Terms is held to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, such provision shall be severed from these Terms without affecting the validity and enforceability of the remaining provisions.

If you have any questions, concerns, or complaints regarding these Terms and Conditions, please contact the fatcai99 support team through the following channels:

• Live Chat: Available 24 hours a day, 7 days a week, via the chat function on the Website. Average response time: within 15 minutes.
• Email: [email protected] — Email responses are typically provided within 24 hours.

For matters relating specifically to responsible gambling or self-exclusion requests, we recommend using the live chat channel to ensure the fastest possible response. For responsible gambling support resources, please visit our Responsible Gambling page.