Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("the User", "Player", "you") and Kaya100 ("the Platform", "we", "us", "our"), governing your access to and use of the Kaya100 website located at kaya100.cam and all associated mobile applications, software, and services (collectively, "the Services").

Kaya100 is an online casino and sports betting platform operating in and for the Malaysia market. The Platform provides access to a range of online gaming products including but not limited to live dealer casino games, video slot games, sports betting markets, esports wagering, and promotional programmes.

By registering an account, accessing the Platform, or using any of the Services, you acknowledge that you have read these Terms in their entirety, that you understand them, and that you unconditionally agree to be bound by them. If you do not agree with any part of these Terms, you must immediately cease using the Platform and the Services.

In these Terms and Conditions, unless the context otherwise requires, the following terms shall have the meanings set out below:

• "Account" means the personal account registered by a User on the Kaya100 Platform, through which access to the Services is provided.
• "Balance" means the total value of real-money funds held within a User's Account at any given time, denominated in Malaysian Ringgit (MYR).
• "Bonus Funds" means any credits granted to a User by Kaya100 as part of a promotion, welcome offer, loyalty reward, or other incentive programme, which are subject to wagering requirements before they may be withdrawn.
• "KYC" means Know Your Customer — the identity and age verification process required of all registered users prior to withdrawal of funds.
• "Services" means all gaming products, betting markets, payment facilities, support channels, and other features made available by Kaya100 through its Platform.
• "Wagering Requirement" (also "Rollover") means the minimum total value of bets a User must place using Bonus Funds before those funds, or winnings derived therefrom, become eligible for withdrawal.
• "Prohibited Territory" means any jurisdiction in which accessing or using the Platform is restricted or unlawful, as determined by Kaya100 at its sole discretion.
• "Transaction" means any deposit, withdrawal, bet placement, bonus claim, or other movement of funds within or through a User's Account.
• "Content" means all text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, and code found on the Platform.

To register and maintain an active account on Kaya100, you must satisfy all of the following eligibility criteria at the time of registration and at all times during which your Account remains active:

• You are a natural person aged 21 years of age or older. Kaya100 strictly prohibits access to individuals below the minimum age of 21. Where required, you consent to providing documentary proof of age.
• You are physically located in and/or are a resident of Malaysia, or another jurisdiction in which access to the Services is not prohibited by applicable law.
• You are accessing and using the Platform on your own behalf, not as an agent, nominee, or representative of any third party.
• You are not currently subject to a voluntary or mandatory self-exclusion order on Kaya100 or any affiliated gaming platform.
• You have not previously had an Account on Kaya100 that was suspended, terminated, or closed due to a breach of these Terms.
• You have full legal capacity to enter into a binding agreement in the jurisdiction in which you are located.
• You are not a director, officer, employee, contractor, or agent of Kaya100 or any of its affiliates, nor are you an immediate family member of any such person.

Each User may hold only one (1) registered account on the Kaya100 Platform at any given time. The creation of multiple accounts — whether under the same or different personal details — is strictly prohibited and constitutes a material breach of these Terms.

4.1 Registration Requirements

During the registration process, you are required to provide accurate, current, and complete information, including but not limited to: your full legal name, date of birth, residential address in Malaysia, a valid email address, and a valid Malaysian mobile phone number. You represent and warrant that all information provided at registration and during any subsequent verification is true, accurate, and not misleading.

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials, including your username and password. You agree to: (a) never share your login credentials with any third party; (b) ensure that you log out of your account after each session; (c) immediately notify Kaya100 via live chat or email at support@kaya100.cam if you suspect any unauthorised access to your Account.

Kaya100 shall not be liable for any loss or damage arising from your failure to maintain the security of your Account credentials. All transactions and activities occurring on your Account prior to notification of unauthorised access shall be deemed to have been carried out by you.

4.3 KYC Verification

Prior to processing any withdrawal request, and in connection with our compliance obligations, Kaya100 requires all users to complete a KYC verification process. This process requires submission of: (a) a valid government-issued Malaysian identification document (MyKad, Passport, or Driver's Licence); (b) proof of residential address (utility bill or bank statement dated within three months); and (c) a self-portrait photograph (selfie) holding the identification document. Kaya100 reserves the right to request additional documentation at any time.

By accessing the Platform, you agree to use the Services solely for lawful personal entertainment purposes and in accordance with these Terms. You acknowledge and agree that:

• All funds deposited into your Account originate from legitimate sources and do not constitute proceeds of any criminal activity.
• You will not use the Platform for any form of money laundering, fraud, or financial crime.
• You access the Platform at your own risk. Gambling involves real financial risk. Past results do not indicate or guarantee future outcomes.
• The Platform's games use certified random number generators (RNGs) and are subject to regular independent audits. However, outcomes remain inherently unpredictable.
• You will not use automated scripts, bots, or software to interact with the Platform in any way not explicitly authorised by Kaya100.
• You accept that the platform interface and all associated intellectual property remain the sole property of Kaya100 and its licensors.

6.1 Deposits

All deposits are processed in Malaysian Ringgit (MYR/RM). Kaya100 supports the following deposit methods: Touch 'n Go eWallet, DuitNow QR, FPX (Financial Process Exchange, supporting Maybank, CIMB, Public Bank, Hong Leong Bank, RHB, and other Malaysian banks), GrabPay, Boost eWallet, and select cryptocurrency channels (BTC, USDT). A minimum deposit of RM30 applies across all payment methods unless otherwise stated in a specific promotion.

Kaya100 does not accept deposits from third-party accounts. All deposits must originate from a payment method registered in your own name and verified through the KYC process.

6.2 Withdrawals

Withdrawal requests are processed to the same payment method used for the most recent deposit where practicable. Withdrawals are only available to fully KYC-verified accounts. Processing times are as follows: DuitNow and FPX transfers are typically processed within 5 to 30 minutes for verified accounts; e-wallet withdrawals (Touch 'n Go, Boost, GrabPay) within 5 to 15 minutes. Processing times may extend during peak periods or where additional verification is required.

Kaya100 reserves the right to conduct enhanced due diligence on any withdrawal request and may request additional documentation before processing. In cases where fraud, money laundering, or a breach of these Terms is suspected, Kaya100 may freeze the Account and withhold funds pending investigation.

6.3 Currency

The Platform operates exclusively in Malaysian Ringgit (MYR). There are no currency conversion fees charged by Kaya100 for MYR transactions. Fees imposed by your bank or payment provider are outside Kaya100's control and are your responsibility.

From time to time, Kaya100 makes available bonuses, free credit, cashback offers, VIP tier rewards, and other promotional benefits to registered users ("Promotions"). The following general terms apply to all Promotions unless specific promotion terms state otherwise:

• All Promotions are subject to a wagering requirement (rollover). The specific rollover multiplier applicable to each Promotion will be stated in the relevant promotion's individual terms at the time of offering.
• Bonus funds must be wagered in accordance with the stated wagering requirement before any withdrawal of winnings derived from bonus activity is permitted.
• Promotions are available to one Account per person, per household, per device, and per IP address. Kaya100 may determine, at its sole discretion, that multiple accounts share a common identity and apply Account suspension accordingly.
• Kaya100 reserves the right to withdraw, modify, or cancel any Promotion at any time without prior notice, subject to honoring claims made prior to such withdrawal, modification, or cancellation where practicable.
• Kaya100 reserves the right to refuse, reclaim, or withhold any bonus or winnings derived from bonus activity if it determines, in its reasonable opinion, that the Terms of any Promotion have been abused or circumvented.
• Welcome bonuses and first-deposit offers are available to new users only and may be claimed once per eligible account.

The following activities are strictly prohibited on the Kaya100 Platform and may result in immediate Account suspension, forfeiture of funds, and where applicable, referral to relevant authorities:

• Registering more than one Account on the Platform (duplicate accounts).
• Providing false, misleading, or fraudulent information during registration or KYC verification.
• Using the Platform if you are under the age of 21 years.
• Using another person's Account, payment method, or personal information without their explicit consent.
• Attempting to deposit, launder, or process funds derived from any illegal or criminal activity through the Platform.
• Exploiting software errors, glitches, or technical vulnerabilities to gain an unfair advantage.
• Using automated tools, bots, scripts, or any artificial means to interact with the Platform.
• Colluding with other players to manipulate game outcomes in any betting market.
• Making chargebacks, payment reversals, or disputes without first engaging Kaya100's support team in good faith.
• Accessing the Platform from a jurisdiction where doing so is prohibited by applicable law.
• Engaging in any form of affiliate fraud, bonus abuse, or systematic exploitation of promotional terms.

All Content on the Kaya100 Platform — including but not limited to the brand name, logo, trademarks, trade dress, website design, user interface elements, text, graphics, audio, video, and software — is the exclusive intellectual property of Kaya100 or its licensors and is protected under applicable intellectual property law.

You are granted a limited, non-exclusive, non-transferable, and revocable licence to access and use the Platform for your personal, non-commercial entertainment purposes. This licence does not permit you to: reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any Content without Kaya100's prior written consent.

To the fullest extent permitted by applicable law, Kaya100, its directors, officers, employees, affiliates, agents, contractors, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or business interruption, arising from or in connection with your use of, or inability to use, the Platform or the Services.

Kaya100's total aggregate liability to you for any claim arising in connection with the Services shall not exceed the total amount deposited by you into your Account in the thirty (30) day period immediately preceding the event giving rise to the claim.

Kaya100 makes no warranty or representation, express or implied, that the Platform will be available at all times, uninterrupted, error-free, or free from harmful code. The Platform is provided on an "as is" and "as available" basis.

Kaya100 reserves the right to suspend, restrict, or permanently terminate any Account at any time, with or without prior notice, if it has reasonable grounds to believe that you have breached any provision of these Terms, or if required to do so by applicable law, regulatory requirement, or court order.

Where an Account is terminated due to a verified breach of these Terms — including but not limited to fraud, money laundering, duplicate account activity, or bonus abuse — Kaya100 reserves the right to forfeit any real-money balance and bonus funds held within the Account at the time of termination.

You may voluntarily close your Account at any time by contacting support at support@kaya100.cam. Where a real-money balance exists at the time of closure, Kaya100 will process a withdrawal to your verified payment method after completion of any outstanding KYC requirements.

Kaya100 is committed to promoting responsible gambling. We offer a range of tools to help players manage their gaming activity, including deposit limits, wagering limits, loss limits, session time reminders, and voluntary self-exclusion. These tools are accessible through your Account Settings and via our 24/7 support channels.

By using the Platform, you acknowledge that gambling is a form of entertainment that carries financial risk. You accept sole responsibility for your gambling decisions and the financial consequences thereof. Kaya100 will not be liable for any gambling-related losses suffered by any player.

In the event of any dispute, discrepancy, or complaint regarding your Account, a transaction, a game outcome, or any aspect of the Services, you agree to contact Kaya100's customer support team in the first instance via live chat or email at support@kaya100.cam. Kaya100 will endeavour to resolve all disputes within ten (10) business days of receipt of a formal complaint.

Where a dispute cannot be resolved directly between you and Kaya100 within a reasonable timeframe, both parties agree to submit the dispute to binding arbitration in accordance with the rules of a mutually agreed arbitration body. The arbitration shall be conducted in the English language.

In all cases, Kaya100's server logs, transaction records, and game outcome data shall constitute the primary and authoritative record of all activity on the Platform, subject to any demonstrated technical error.

Kaya100 reserves the right to modify, update, or replace any part of these Terms at any time and at its sole discretion. Where material changes are made to these Terms, Kaya100 will endeavour to notify registered users via the Platform interface, email notification, or prominent notice on the website homepage.

Your continued access to and use of the Platform following the posting of any updated Terms shall constitute your acceptance of those updated Terms. If you do not agree to the updated Terms, you must cease using the Platform immediately and may request closure of your Account in accordance with Clause 11.

The effective date of the current version of these Terms is displayed at the top of this page. It is your responsibility to review these Terms periodically.

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with applicable international online gaming regulations and, where applicable, the laws of the jurisdiction in which Kaya100 holds its operating licence.

For users accessing the Platform from Malaysia, you acknowledge that you access the Platform on your own initiative and are responsible for ensuring that your use of the Services complies with all local laws applicable to you.

If you have any questions, concerns, or queries regarding these Terms and Conditions, please contact the Kaya100 support team through any of the following channels:

• Email: support@kaya100.cam (plain text — not a clickable link)
• Live Chat: Available 24/7 on the Kaya100 Platform in English, Bahasa Melayu, and Mandarin
• WhatsApp: Available 24/7 — contact details provided within the Platform upon login

For formal written complaints or legal correspondence, please submit your query via email with the subject line "Formal Complaint — [Your Account Username]" to ensure expedited routing to our compliance team.