Terms & Conditions
mio88 Platform Agreement

Definitions

In these Terms & Conditions, the following terms shall have the meanings assigned to them below, unless the context clearly requires otherwise:

• "Platform" means the mio88 website accessible at https://mio88.cam, including all related services, applications, software, and content made available by mio88.
• "mio88", "we", "us", "our" refers to the internationally licensed entity operating the mio88 Platform.
• "User", "you", "your" means any individual who registers an account on the Platform or accesses any service provided thereon.
• "Account" means a registered user account created by an eligible individual for the purpose of accessing mio88 services.
• "Balance" means the total of real-money funds held in your account, excluding any bonus funds or pending withdrawals.
• "Bonus Funds" means any promotional credits, free bets, cashback awards, or other non-cash incentives granted by mio88 subject to applicable wagering requirements.
• "Wagering Requirement" means the number of times a bonus amount must be staked before any associated winnings become eligible for withdrawal.
• "KYC" means Know Your Customer — the identity verification process mio88 is required to conduct to confirm a user's identity, age, and residency.
• "Prohibited Conduct" means any action listed under Clause 7 of these Terms.
• "IDR" means Indonesian Rupiah, the currency in which all transactions on the Platform are conducted.

Eligibility

To register and use the mio88 Platform, you must satisfy all of the following eligibility requirements at all times:

• You must be at least 21 years of age. mio88 strictly enforces a 21+ policy and reserves the right to request proof of age at any time.
• You must be a resident of Indonesia or otherwise located in a jurisdiction in which access to online betting services is not legally prohibited.
• You must have the legal capacity to enter into a binding agreement. Persons under legal incapacity, guardianship, or bankruptcy proceedings are not eligible.
• You must not be a current employee, contractor, director, officer, or immediate family member of an employee of mio88 or any of its affiliated entities.
• You must not have a previously suspended, terminated, or self-excluded account on the mio88 Platform.
• You must not be located in a jurisdiction where online gambling is explicitly prohibited by applicable law, including but not limited to regions sanctioned by relevant international gaming authorities.

Account Registration

Each eligible individual is permitted to hold one (1) account only on the mio88 Platform. The creation of multiple accounts by a single individual ("multi-accounting") is a serious violation of these Terms and will result in permanent account suspension and forfeiture of all associated funds.

When registering, you agree to provide accurate, current, and complete information. You must immediately notify mio88 support at support@mio88.cam if any of your registered details change. mio88 bears no liability for losses arising from incorrect account information provided by the user.

Identity Verification (KYC): Prior to processing your first withdrawal — and at any subsequent point deemed necessary by mio88 — you will be required to submit identity verification documents. Accepted documents include:

• Government-issued national identity card (KTP) for Indonesian residents
• Valid passport (for non-resident users)
• Proof of current residential address dated within the last three months (utility bill, bank statement, or official government correspondence)
• Proof of ownership of the payment method used for deposits (e.g., screenshot of bank account registered in your name)

mio88 reserves the right to place withdrawal holds on accounts that have not completed KYC, and to permanently suspend accounts where satisfactory documentation cannot be provided within 14 calendar days of the initial request.

Deposits & Withdrawals

All financial transactions on the mio88 Platform are conducted exclusively in Indonesian Rupiah (IDR). mio88 does not accept deposits in foreign currencies and does not apply currency conversion. The following payment methods are supported:

Withdrawal conditions: Withdrawal requests are processed within one (1) business day for fully KYC-verified accounts. The minimum withdrawal amount is Rp 50.000. mio88 does not charge withdrawal fees; however, your bank or e-wallet provider may apply their own transaction fees, for which mio88 accepts no liability.

Withdrawals must be made to the same payment method used for the most recent deposit, unless the user has submitted a formal payment method change request that has been approved by the mio88 compliance team. This policy is in place to protect users against unauthorised fund transfers and to comply with anti-money laundering (AML) regulations.

Bonuses & Promotions

mio88 offers a range of promotional bonuses including welcome bonuses, reload bonuses, cashback programs, referral bonuses, and seasonal promotions aligned with Indonesian holidays such as Idul Fitri, Ramadhan, and Indonesian Independence Day (17 August). All bonuses are subject to the following general conditions unless otherwise specified in the individual promotion's terms:

• All bonuses carry a minimum wagering requirement of 10x (ten times) the bonus amount unless a higher or lower requirement is stated at the point of offer.
• Bonus funds cannot be withdrawn directly; only winnings derived from bonus wagering, after the wagering requirement has been fully met, are eligible for withdrawal.
• Each eligible user may claim each individual promotion once only, unless the promotion's specific terms explicitly state otherwise.
• mio88 reserves the right to amend, suspend, or withdraw any promotion at any time without prior notice. Any earned and validly wagered bonus funds at the time of amendment will be honoured.
• Bonuses are non-transferable and have no cash value prior to the completion of applicable wagering requirements.
• Where a deposit bonus has been accepted, the deposit amount is subject to the same wagering requirement as the bonus unless the terms state otherwise.

Betting & Gaming Rules

The following rules apply across all betting and gaming verticals available on the mio88 Platform, including sports betting, live casino, togel (Indonesia's traditional numbers lottery) markets, crash games, and slot machines:

• All game outcomes on the mio88 Platform are determined by a certified Random Number Generator (RNG) that is subject to periodic third-party audits. The results of each game are final and binding.
• For sports betting markets, mio88 uses official match results as declared by the relevant sporting body (e.g., FIFA, AFC, PSSI, BRI Liga 1 organiser) as the basis for settling bets. In the event of a dispute, mio88's decision, made in good faith based on available data, is final.
• Bets placed in error cannot be cancelled once the market has closed or the event has commenced. mio88 is not obligated to void any bet due to user error, including incorrect stake entry.
• In the event of a technical fault, server error, or interruption during a game session, mio88 will restore the account to its last known verified state. Where restoration is not technically possible, the session stake may be refunded at mio88's discretion.
• mio88 reserves the right to void any bet or game result suspected of resulting from manipulated events, match-fixing, or exploitation of software errors.
• For togel markets, official draw results are sourced from the respective pool organisations (Singapore Pools, Hongkong Jockey Club, etc.). Any discrepancy between the Platform and the official source will be resolved in favour of the official source.

Prohibited Conduct

The following actions are strictly prohibited on the mio88 Platform. Engaging in any prohibited conduct will result in immediate account suspension, permanent ban, and forfeiture of all funds held in the account:

• Creating more than one account per individual (multi-accounting), including through the use of another person's identity
• Providing false, misleading, or fraudulent information during registration or KYC verification
• Using the Platform while under 21 years of age, or facilitating access by a minor
• Engaging in any form of money laundering, fraud, or financial crime using the Platform's deposit and withdrawal facilities
• Using automated software, bots, scripts, or algorithms to gain an unfair advantage over other players or the house
• Exploiting software errors, loopholes, or pricing discrepancies for financial gain (commonly known as "arbing" or "bonus hunting" at industrial scale)
• Threatening, harassing, or abusing mio88 staff or other users through any communication channel
• Attempting to access, tamper with, or disrupt mio88's backend systems, databases, or third-party integrations
• Sharing your account credentials with any third party, or permitting another person to operate your account

Intellectual Property

All content on the mio88 Platform — including but not limited to the brand name, logo, website design, software code, text, graphics, game interfaces, and promotional materials — is the exclusive intellectual property of mio88 or its licensed content providers. No part of the Platform may be reproduced, distributed, modified, publicly displayed, or used for commercial purposes without the express prior written consent of mio88.

Game content supplied by third-party providers including Pragmatic Play, Evolution Gaming, PG Soft, Microgaming, NetEnt, Spribe, and others remains the intellectual property of those respective providers, licensed for use on the mio88 Platform under their applicable agreements. Users obtain no intellectual property rights by virtue of using the Platform.

Limitation of Liability

To the fullest extent permitted by applicable law, mio88 shall not be liable to any user for:

• Any loss of profits, revenue, data, goodwill, or any indirect, special, incidental, punitive, or consequential damages arising from your use of the Platform
• Any interruption, suspension, or termination of the Platform or any service thereon, whether caused by maintenance, technical failure, force majeure, or circumstances beyond mio88's reasonable control
• Any unauthorised access to, or alteration of, your account that results from your failure to maintain the security of your login credentials
• Any losses arising from decisions made on the basis of game outcomes, odds movements, or market data displayed on the Platform
• Any delay in withdrawal processing caused by your bank, e-wallet provider, or third-party payment processor

In any event where mio88 is found liable to a user, the maximum aggregate liability shall not exceed the total amount of real-money funds deposited by that user in the 30-day period immediately preceding the event giving rise to the claim.

Privacy & Data

mio88 collects, processes, and stores personal data in accordance with our Privacy Policy, which forms an integral part of these Terms & Conditions. By registering an account, you acknowledge and consent to the data practices described in the Privacy Policy.

mio88 will never sell or rent your personal data to third parties for marketing purposes. Data may be shared with licensed KYC/AML service providers, payment processors, and regulatory authorities as required by applicable law and our licensing obligations.

Responsible Gaming

mio88 is committed to fostering a safe, sustainable gambling environment. In addition to the strict 21+ age enforcement policy, the Platform provides every registered user with the following responsible gaming tools, all available at no charge:

• Deposit Limits: Set daily, weekly, or monthly deposit caps on your account.
• Loss Limits: Restrict the maximum net loss you are willing to sustain over a defined period.
• Session Time Limits: Set a maximum continuous play duration after which your session will be automatically ended.
• Reality Check Reminders: Receive periodic notifications showing elapsed session time and your net win/loss position.
• Self-Exclusion: Request a temporary (7 days to 6 months) or permanent exclusion from all mio88 services.

For comprehensive information on these tools and additional guidance on identifying problem gambling behaviour, please visit our dedicated Responsible Gaming page.

Termination

mio88 reserves the right to suspend or permanently terminate any user account at any time, with or without notice, for any of the following reasons:

• Breach of any provision of these Terms & Conditions
• Engaging in prohibited conduct as defined in Clause 7
• Failure to complete KYC verification within the required timeframe
• Receipt of a self-exclusion request from the account holder
• A regulatory or legal obligation requiring the account to be suspended
• A determination by mio88 that continued access presents a risk to the user's financial or personal wellbeing

Upon termination for reasons attributable to user misconduct, mio88 reserves the right to withhold any remaining real-money balance pending investigation. Where termination is initiated by the user and no misconduct is involved, any verified real-money balance will be returned to the user's registered payment method within 14 business days.

Governing Law & Dispute Resolution

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which mio88 holds its primary international gaming licence. Any dispute, claim, or controversy arising out of or in connection with these Terms shall be resolved through the following procedure:

• Informal Resolution: The user must first submit a written complaint to support@mio88.cam. mio88 will endeavour to resolve all complaints within 14 business days of receipt.
• Formal Escalation: If the complaint is not resolved informally within 30 days, either party may escalate the matter to binding arbitration under the rules of an internationally recognised arbitration body, as designated by mio88's licensing authority.
• Governing Language: These Terms are written in English. In the event of a dispute, the English-language version of this document shall be the authoritative reference, regardless of any translation that may have been made available.

Contact

For any queries, complaints, or formal notices relating to these Terms & Conditions, please contact mio88 through the following channel:

mio88 also operates a 24/7 live chat service accessible directly through the Platform. For urgent account security matters — such as suspected unauthorised access — live chat is the recommended first point of contact due to its near-immediate response times.