Terms & Conditions BK95 — Malaysia Betting & Casino Platform Usage Policy

By accessing, registering for, or using any part of the platform BK95 accessible at bk95.express, you explicitly acknowledge that you have read, understood, and agreed to be bound by all Terms & Conditions set out in this document, together with BK95's Privacy Policy and Responsible Gaming policy, which form part of this agreement.

If you do not agree with any part of these terms, you are required to refrain from using the platform BK95. Continued use of the platform after any amendments to these terms constitutes acceptance of those changes. BK95 reserves the right to amend these terms at any time and will provide reasonable notice to registered members via email or in-platform notification.

To use the services of BK95, you are required to register a personal account using accurate, complete and up-to-date information. Each individual is only permitted to hold one BK95 account. Holding multiple accounts under the same individual — whether using different names, phone numbers, IP addresses or payment methods — is a serious violation that will result in the closure of all associated accounts and forfeiture of any existing balances.

The eligibility requirements for registering a BK95 account are as follows:

• Must be at least 18 years of age at the time of registration
• Must have an active Malaysian phone number registered in your name
• Must not have been previously banned from using the BK95 platform
• Acting on your own behalf and not on behalf of any other individual or entity
• Making all deposits using a payment method registered in your own name

BK95 reserves the right to request identity verification documents at any time to ensure compliance with the eligibility requirements above and to meet applicable legal compliance obligations. Failure to provide the requested documents within the specified timeframe may result in temporary account suspension.

BK95 accepts deposits via the following Malaysian digital payment methods: Touch 'n Go eWallet, DuitNow, GrabPay, Boost, ShopeePay, and FPX (including Maybank2u and CIMB Clicks). All deposits are processed automatically and are typically credited to your BK95 account within 30 seconds of a successful payment.

The applicable deposit limits and conditions are as follows:

• Minimum deposit: RM 10 per transaction
• Maximum deposit: RM 30,000 per transaction (subject to payment provider limits)
• No daily deposit limit applies unless a limit has been set by the player themselves via the responsible gaming tools
• All deposits must be made using a payment method registered in the name of the BK95 account holder
• BK95 does not accept cash deposits or direct bank transfers to the company's account

BK95 does not charge any processing fees for deposits. However, some payment providers may apply their own small fees, which are beyond BK95's control. We recommend checking with your eWallet provider if you are unsure about any additional charges.

The payment method schedule and estimated processing times are as follows:

Players may withdraw funds from their account BK95 at any time, provided the account balance is sufficient and all withdrawal conditions are met. Withdrawals are processed via the same payment method used for the deposit — to the DuitNow account, Touch 'n Go eWallet, GrabPay, Boost, ShopeePay, or FPX bank account registered under the BK95 account holder's name.

Applicable withdrawal conditions:

• Minimum withdrawal: RM 50 per transaction
• Processing time: within 5 minutes for approved withdrawals
• Your first withdrawal may require a brief identity verification (KYC)
• Withdrawals may only be made to a payment method registered under the same name as the BK95 account
• Any bonus balance that has not met the rollover requirements cannot be withdrawn
• BK95 does not charge any fees for standard withdrawals

BK95 reserves the right to suspend or investigate any withdrawal request that shows signs of fraudulent activity, money laundering, or a breach of the terms of use. Any withdrawal proven to have been obtained through illegitimate means will be cancelled and the relevant balance forfeited.

All bonuses and promotions offered by BK95 subject to the specific terms and conditions stated on each promotion's page. These terms form part of these general Terms & Conditions and must be read together. In the event of a conflict, the promotion-specific terms will take precedence over the general terms for the matter in question.

General bonus principles applicable across the platform BK95:

• Every bonus carries a minimum wagering (rollover) requirement that must be fulfilled before withdrawals are permitted
• Bonuses cannot be transferred between accounts or converted to cash before the rollover requirement is met
• BK95 will not modify the rollover requirements after a player has accepted and begun using a bonus
• Using multiple accounts to claim the same bonus is prohibited and will result in the cancellation of all bonuses and closure of the accounts involved
• Players must opt in to promotions through the method specified within the stated timeframe
• BK95 reserves the right to cancel or modify any promotion with reasonable notice

Weekly cashback programme BK95 credited automatically every Monday based on the previous week's gaming activity. The cashback rate depends on your VIP membership tier — from 5% for Regular members up to 12% for Platinum VIP members. Cashback is calculated on net losses (not total wagered) and carries no rollover requirement — it can be withdrawn directly once credited.

BK95 offers Sports Betting on more than 5,000 matches per week, covering a wide range of sports including football (Malaysia Super League, EPL, La Liga, Serie A), badminton (BWF World Tour, Thomas Cup, Uber Cup), tennis, basketball, rugby, esports (Mobile Legends: Bang Bang, Dota 2, Valorant, PUBG Mobile), and many more.

Sports Betting conditions that must be observed:

• The minimum stake for Sports Betting is RM 5 per option
• Maximum bet limits vary depending on the bet type, match, and selected odds
• All odds displayed are the final odds at the time the bet is placed — no changes to odds will be made after a bet has been accepted
• BK95 reserves the right to void bets in the event of an obvious technical error in odds publication
• Bets placed after a match has kicked off (in-play) are subject to bet time verification through the system
• Official results accepted by BK95 is final for bet settlement purposes

In the event of a postponed, cancelled, or reformatted match, BK95 will follow industry-standard settlement rules. Matches that are postponed and not played within 24 hours of the original schedule will be voided and bets refunded. Players are encouraged to check the page FAQ for further details on specific settlement rules for each sport.

All live casino games (baccarat, roulette, dragon tiger, sic bo, and others) and slots available at BK95 use a Random Number Generator (RNG) that has been audited and certified by independent testing bodies. This ensures that every game outcome is independent, random, and cannot be predicted or manipulated — by BK95, game providers, or players alike.

Specific terms for casino and slots games:

• The RTP (Return to Player) for each game is displayed in the game information and has been verified by independent auditors
• Progressive jackpot winnings are subject to technical verification before being credited
• In the event of a technical disruption during gameplay, the BK95 system will save the game state and allow the player to resume from the same point
• BK95 is not liable for losses resulting from a player's internet connection being interrupted
• Using software or bots to automate gameplay on any casino game is strictly prohibited
• Minimum and maximum bet limits vary depending on the game type and table selected

The following are strictly prohibited on the platform BK95 and will result in immediate action, including account suspension, balance forfeiture, and reporting to the relevant authorities:

• Money Laundering: Using BK95 as a channel to transfer or conceal funds obtained through illegal means
• Multiple Account Ownership: Registering more than one account for yourself, or registering an account on behalf of another person
• Identity Fraud: Providing false personal information or using another person's identity
• Technical Exploitation: Using any software, bots, algorithms, or methods to exploit technical errors or gain an unfair advantage
• Fraudulent Collusion: Chip dumping, player collusion, or any form of coordination intended to defraud the platform or other players
• Bonus Abuse: Registering multiple accounts or using other means to claim bonuses beyond the set limits
• Hacking Attempts: Any attempt to access systems, databases, or another player's account without authorisation

BK95 uses a real-time fraud detection system that monitors every transaction and gaming session. Any suspicious activity will be investigated and appropriate action taken based on the findings.

Players may close their BK95 account at any time by contacting the support team via live chat or email. Any remaining balance (excluding bonuses that have not met the rollover requirement) will be returned to the player through their registered payment method within five business days.

BK95 reserves the right to suspend or close a player's account, with or without prior notice, under the following circumstances:

• Violation of any terms set out in this document
• Suspected use of the account for fraudulent or illegal activities
• Failure to submit the requested identity verification documents
• Official requests from the relevant legal authorities
• Should BK95 determine that the operation of the account in question poses a risk to the platform or other players

In cases where an account is closed due to a terms violation, BK95 reserves the right to forfeit all or part of the account balance. Players who believe their account has been suspended unfairly may submit an appeal via email to support@bk95.express, including their account details and grounds for appeal.

BK95 provides its platform on an "as is" and "as available" basis. While we strive to ensure continuous and uninterrupted service, we make no absolute guarantees regarding the availability, timeliness, or error-free operation of the platform.

BK95 is not liable for losses arising from:

• Service disruptions due to scheduled or unscheduled system maintenance
• Internet connection issues on the player's end
• Actions or decisions made by a player based on inaccurate information provided by third parties
• Any indirect, consequential or punitive losses, even where BK95 has been informed of the possibility of such losses

Maximum total liability BK95 to any player under any circumstances is limited to the net deposit amount made by that player in the 30 days prior to the claim arising. This limit does not apply in cases of deliberate fraud on the part of BK95.

The collection, use, and protection of players' personal data is governed by BK95's Privacy Policy, which forms part of this agreement. By registering a BK95 account, you agree to the terms of our Privacy Policy, which can be read in full at Privacy Policy page.

In summary, BK95 committed to:

• Protecting all your personal data with 256-bit SSL encryption
• Not selling, renting, or sharing your personal data with third parties without your consent, except where required by law
• Using your data solely for account management, fraud prevention, legal compliance, and bonus calculation purposes
• Allows you to access, correct, or request deletion of your personal data by contacting our support team
• Storing your data on secure servers that comply with international data security standards

BK95 reserves the right to amend these Terms & Conditions at any time. Any material amendments will be communicated to registered players via email or in-platform notification at least 7 days before the changes take effect. Continued use of the platform after the effective date constitutes acceptance of the amended terms.

Minor amendments that do not affect players' fundamental rights — such as spelling corrections or clarifications to existing clauses — may be made without notice. All previous versions of the terms are retained and can be requested from the BK95 support team.

These Terms & Conditions are governed by the applicable laws and jurisdiction. Any dispute arising from or in connection with these terms that cannot be resolved through mutual negotiation shall be referred to binding arbitration in accordance with the relevant arbitration rules. The language used in all proceedings shall be Bahasa Melayu or English, as mutually agreed.