Terms and Conditions of Use FCM99 Platform

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Member" or "User") and fcm99 ("Platform", "we", "us"). These Terms govern your use of the platform, website, services, games, and all features provided by fcm99.

Continued use of the FCM99 platform following any amendments to these Terms constitutes your acceptance of and agreement to the updated terms. It is your responsibility to review these Terms periodically to ensure you remain informed of the terms currently in effect.

Fcm99 operates as an online gaming platform offering a variety of games including slots, bingo, table games, and other games that may be added from time to time. All activities on this platform are subject to these Terms as well as applicable laws and regulations.

To register and use the fcm99 platform, you must meet all of the following eligibility requirements:

• Age at least 18 years old on the date of registration.
• An individual with full legal capacity to enter into a binding agreement.
• Not subject to any prohibition by authorities from using online gaming services.
• Providing truthful, accurate, current, and complete information during registration.
• Simply register one account only — each individual is only permitted to hold one fcm99 account.

Fcm99 reserves the right to request identity verification (KYC) documents at any time to confirm a member's identity. Failure to provide the requested documents within the specified timeframe may result in a temporary account suspension until verification is complete.

During registration, you are required to provide your full name, an active phone number, a valid email address, and any other required information. All details must be accurate and current. It is your responsibility to update your profile information should any changes occur.

Each FCM99 account is the exclusive property of the individual who registered it. You are fully responsible for all activity that occurs through your account, whether carried out by yourself or by any other party who gains access to it.

• Never share your password or login credentials with anyone, including family members.
• Use a strong, unique password that is not used for any other account.
• Enable two-factor authentication (2FA) for an added layer of security.
• Log out of your account when using a shared device.
• Report to FCM99 immediately if you suspect your account has been accessed without authorization.

Fcm99 will not be liable for any losses arising from the use of your account by an unauthorized third party, particularly where this occurs due to your failure to keep your login credentials secure.

An fcm99 account may not be transferred, sold, gifted, or assigned to any other party under any circumstances.

Fcm99 supports a variety of deposit methods suitable for users in Malaysia, including DuitNow, FPX, Touch 'n Go eWallet, Boost, and GrabPay. All deposit transactions are processed in Malaysian Ringgit (MYR).

• The minimum deposit is as stated on the fcm99 Deposit.
• All deposits must use a payment method registered in your own name.
• Third-party deposits — including using another person's bank account or e-wallet — are strictly prohibited.
• Fcm99 is not responsible for any fees or charges imposed by your payment provider.
• Failed deposits resulting from incorrect information are entirely the member's responsibility.

Fcm99 reserves the right to request proof of ownership of the payment method used before processing any deposit or withdrawal. This is a standard security measure to protect members from fraud.

Withdrawing funds from your FCM99 account is subject to the following terms:

• Withdrawals may only be made to a bank account or e-wallet that is registered under the same name with your fcm99 account.
• The minimum balance for withdrawal is as stated on the FCM99 Withdrawals.
• Your first withdrawal requires completed KYC verification before it can be processed.
• Withdrawals exceeding certain limits may require additional verification at FCM99's discretion.
• Fcm99 reserves the right to hold withdrawals for up to 5 business days for security review purposes.

Withdrawal processing times depend on the chosen method and the member's VIP tier. Diamond VIP members enjoy prioritized withdrawal processing with faster settlement times. For more details about the VIP program, visit the fcm99 VIP.

Fcm99 will not process withdrawals to third-party accounts under any circumstances. If your bank account name differs from your fcm99 account name, please contact customer support for guidance.

Fcm99 offers a range of bonuses and promotions for new and existing members. Each bonus and promotion is subject to specific conditions stated in the relevant promotion terms on the FCM99 Promotions.

• Wagering Requirement: Every bonus has a wagering requirement that must be met before winnings derived from that bonus can be withdrawn.
• Valid Period: Bonuses have a set validity period. Any bonus not used within this period will expire automatically.
• Betting Limits: While a bonus wagering requirement has not yet been met, a maximum bet limit may apply to each round or game.
• Eligible Games: Not all games contribute equally toward the wagering requirement. Please check the promotion terms for the list of eligible games.
• One Member, One Bonus: Each promotion can only be claimed once per member, unless otherwise stated.

Cashback and VIP program benefits are calculated based on total net wagering within the defined period. Cashback payments are processed on a set schedule and credited directly to the member's account balance.

All games on the FCM99 platform use an independently certified Random Number Generator (RNG) system to ensure the fairness and randomness of every game outcome. Results generated by the RNG system are final and cannot be disputed.

• Wins are calculated based on the payout table displayed within each game.
• In the event of a technical disruption during gameplay, affected rounds or sessions may be voided and bets returned.
• Jackpot wins are subject to additional verification before payment is processed.
• Fcm99 reserves the right to cancel games or rounds if there is evidence of a technical fault or disruption that affects the integrity of the game.

Members agree to play games in accordance with the established rules and acknowledge that system decisions are final. Any dispute regarding game results must be submitted to fcm99 customer support within 48 hours of the disputed event.

The following activities are strictly prohibited on the fcm99 platform and may result in account termination and legal action:

• Using automation software, bots, scripts, or any technological tools to gain an unfair advantage in games.
• Collusion or cooperation between two or more accounts to manipulate game outcomes or abuse promotions.
• Registering multiple accounts to claim bonuses or promotional benefits more than once.
• Uploading fake documents or misleading information during the KYC or registration process.
• Attempting to hack, attack, or disrupt the technical infrastructure of the FCM99 platform.
• Using the FCM99 platform for any money laundering or unlawful financial activities.
• Sharing or selling your account to another party.
• Using payment information that does not belong to you.

Fcm99 cooperates fully with authorities in investigations related to suspected illegal activity. All transaction records and account activity are retained and may be submitted to authorities when required under applicable law.

Fcm99 takes member privacy very seriously. The collection, use, and protection of members' personal data is governed by the fcm99 Privacy Policy which forms part of these Terms.

By using the fcm99 platform, you agree that fcm99 may:

• Collecting personal information necessary for service provision and legal compliance.
• Using your data for identity verification, transaction processing, and fraud prevention purposes.
• Sending promotion-related communications, platform updates, and account information via email or in-platform messages.
• Retaining transaction data for the period required by applicable laws and regulations.

Fcm99 will not sell or disclose members' personal data to third parties for marketing purposes without your consent. All data is protected with industry-standard 256-bit SSL encryption. For full details, please read the Privacy Policy us.

To the extent permitted by law, FCM99 shall not be liable for any direct, indirect, incidental, or consequential losses arising from:

• Use of or inability to use the FCM99 platform.
• Service disruptions due to scheduled maintenance or events beyond our control.
• Data loss or system damage caused by viruses, cyberattacks, or third-party technical issues.
• Any decisions or actions taken based on information obtained through the platform.
• Financial losses resulting from gaming activity on the FCM99 platform.

The FCM99 platform is provided "as is" without any express or implied warranties regarding reliability, fitness for a particular purpose, or the absence of errors. While we strive to keep the platform running smoothly at all times, we do not guarantee that the service will always be available without interruption.

Fcm99 reserves the right to amend, update, or replace any part of these Terms at any time at our sole discretion. Amendments take effect immediately upon publication on the fcm99 website.

We will endeavor to notify members of important amendments through:

• In-platform notifications after login.
• Notification email to the registered email address.
• Update the "Last Updated" date shown at the top of this document.

It is your responsibility to review these Terms periodically. Continued use of the fcm99 platform after any amendments are published constitutes your acceptance of the updated terms. If you disagree with the changes, you have the right to close your account by contacting customer support.

If you have any questions, concerns, or need further clarification regarding these Terms and Conditions, please contact the FCM99 support team through the following channels:

• Live Chat: Available 24 hours a day, 7 days a week via the fcm99 platform.
• Support Email: [email protected] (text only — not a clickable link)
• FAQ Page: Visit fcm99 FAQ for answers to the most frequently asked questions.

The FCM99 support team is committed to responding as quickly as possible. VIP members receive priority service with faster response times through exclusive VIP support channels.

These Terms and Conditions and all disputes arising from them are subject to the applicable laws and jurisdiction. fcm99 aims to resolve any disputes amicably and fairly through customer support channels first, before any other action is taken.