Last Updated: January 1, 2026
Please read these Terms and Conditions carefully before using the oyo98 platform. By creating an account and using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.
For the purposes of these Terms and Conditions, the following definitions apply:
By registering an account with oyo98, accessing our Website, or using any of our Services, you automatically agree to be bound by these Terms and Conditions, our Privacy Policy, and all other rules and policies published on our Website. These Terms constitute a legally binding agreement between you and oyo98.
Your continued use of oyo98 services following any changes to these Terms constitutes your acceptance of the revised Terms. We recommend reviewing these Terms periodically to stay informed of any updates.
If you register an account on behalf of another person or entity, you represent and warrant that you have the authority to bind that person or entity to these Terms.
To use oyo98 services, you must meet the following eligibility criteria:
You must be at least 21 years of age to register an account and use oyo98 services. This age restriction is strictly enforced in compliance with Indonesian gambling age laws. We reserve the right to request proof of age at any time, and accounts found to belong to individuals under 21 years of age will be immediately closed with all funds and winnings forfeited.
You must have the legal capacity to enter into binding contracts under the laws applicable to you. You must not be legally prohibited from participating in online gambling activities in your jurisdiction.
oyo98 primarily serves players resident in Indonesia. You warrant that your use of oyo98 services does not violate any laws, regulations, or ordinances applicable in your country or region of residence. You are solely responsible for understanding and complying with your local gambling laws.
Each player is permitted to maintain only one active account with oyo98. The creation of multiple accounts (duplicate accounts) is strictly prohibited. If we detect multiple accounts registered under the same identity, name, address, payment method, IP address, or household, we reserve the right to close all such accounts and forfeit any funds therein.
The following categories of persons are strictly prohibited from using oyo98 services: (a) persons under 21 years of age, (b) persons suffering from gambling addiction or under self-exclusion, (c) persons residing in jurisdictions where online gambling is explicitly illegal, (d) oyo98 employees, contractors, and their immediate family members, (e) persons listed on any gambling exclusion registry.
To register an oyo98 account, you must provide accurate, complete, and current information including your full legal name, date of birth, email address, phone number, residential address, and any other information requested during registration. You agree to update this information promptly if it changes.
Providing false, inaccurate, or misleading information during registration constitutes a material breach of these Terms and may result in immediate account closure and forfeiture of funds.
oyo98 operates under strict Know Your Customer (KYC) and anti-money laundering (AML) compliance standards. You will be required to complete identity verification before making your first withdrawal. KYC verification typically requires submission of:
Failure to complete KYC verification within a reasonable timeframe may result in account restrictions, including suspension of withdrawal privileges. We reserve the right to request additional verification at any time, particularly for large withdrawals or suspicious activity.
You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to:
You are liable for all activities conducted through your account, whether authorized by you or not. oyo98 will not be liable for any loss or damage arising from unauthorized account access due to your failure to maintain account security.
oyo98 accepts deposits via Indonesian bank transfers (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon) and e-wallets (OVO, DANA, GoPay). Minimum deposit amounts are Rp 50.000 for bank transfers and Rp 20.000 for e-wallets. Maximum deposit limits vary by payment method and account verification status.
All deposits must originate from a payment source in your own name. Third-party deposits are strictly prohibited. Deposited funds may only be used for gaming activities on oyo98 and cannot be transferred to another player's account.
Bank transfer deposits are typically processed within 5 minutes during Indonesian banking hours (Monday-Friday, 08:00-16:00 WIB). E-wallet deposits are processed instantly 24/7. oyo98 does not charge fees for deposits, but your bank or payment provider may impose transaction fees.
Withdrawal requests may be made at any time through your account dashboard. The minimum withdrawal amount is Rp 100.000. Withdrawals are processed to the same payment method used for deposits where possible. If your deposit method does not support withdrawals, we will work with you to arrange an alternative withdrawal method.
All withdrawal requests are subject to identity verification (KYC) and security review. First-time withdrawals typically require 1-24 hours for processing. Subsequent withdrawals are generally processed within 1-6 hours for verified accounts.
To prevent money laundering, you must wager your deposited funds at least once (1x turnover requirement) before requesting a withdrawal. Bonus funds are subject to separate wagering requirements as specified in the applicable bonus terms. We reserve the right to impose additional wagering requirements or decline withdrawal requests if we suspect bonus abuse, money laundering, or fraudulent activity.
All transactions on oyo98 are conducted in Indonesian Rupiah (IDR). Deposits made in other currencies will be converted to IDR at the prevailing exchange rate at the time of deposit, and applicable conversion fees may apply.
oyo98 offers various bonuses and promotions to players, including welcome bonuses, reload bonuses, cashback, free spins, and other incentives. All bonuses are subject to specific terms and conditions, including wagering requirements, game restrictions, maximum bet limits, and expiration dates. These terms are published on the promotions page and form part of these Terms and Conditions.
Bonuses are intended as promotional tools for entertainment purposes only. They may not be withdrawn until all applicable terms and conditions have been met. Failure to comply with bonus terms may result in forfeiture of the bonus and any winnings derived from it.
Unless otherwise stated, all bonuses carry wagering requirements that must be fulfilled before bonus funds or associated winnings can be withdrawn. Wagering requirements are expressed as a multiplier (e.g., 30x, 40x) and represent the total amount you must wager before the bonus becomes withdrawable. Different games contribute different percentages toward wagering requirements—typically, slots contribute 100%, table games contribute 10-20%, and live dealer games contribute 5-10%.
oyo98 reserves the right to cancel bonuses, void winnings, and close accounts if we detect bonus abuse, including but not limited to: creating multiple accounts to claim bonuses multiple times, coordinated betting with other players, irregular betting patterns designed to clear wagering requirements with minimal risk, or any other behavior we determine to be abusive or fraudulent.
oyo98 reserves the right to modify, suspend, or cancel any bonus or promotion at any time without prior notice. We also reserve the right to exclude certain players from participating in specific promotions at our discretion.
All games offered on oyo98 are provided by licensed third-party software providers and use certified Random Number Generators (RNG) to ensure fair and unpredictable outcomes. We do not manipulate game results, odds, or RNG outputs. Game outcomes are independently audited by testing laboratories such as iTech Labs and GLI.
For sports betting, all bets are settled according to the official result as published by the relevant sports governing body. Bets are void if the event is canceled or postponed beyond 48 hours from the scheduled start time, unless otherwise stated in the specific sports betting rules. We reserve the right to void bets or limit stakes on certain markets to manage risk.
Each casino game has specific rules governing gameplay, payouts, and betting options. These rules are accessible within each game. Players are responsible for understanding the rules before playing. Disputes arising from misunderstanding of game rules will be resolved according to the game provider's official rules.
The following activities are strictly prohibited and may result in account closure and forfeiture of funds:
oyo98 is committed to promoting responsible gaming and preventing gambling-related harm. We provide tools to help you stay in control of your gaming activity, including deposit limits, loss limits, session time limits, self-exclusion options, and reality-check reminders. These tools are available in your account settings and can be activated at any time.
If you feel that gambling is negatively affecting your life, health, or relationships, we strongly encourage you to seek help. You may self-exclude from oyo98 for a set period (1 month, 3 months, 6 months, or permanently). During self-exclusion, you will not be able to access your account, deposit funds, or place bets. Self-exclusion is immediate and cannot be reversed early.
For more information about responsible gaming resources, please visit our Responsible Gaming page or contact our support team.
You may close your oyo98 account at any time by contacting customer support. Upon closure, any remaining balance in your account (excluding unreleased bonuses) will be returned to you via your registered withdrawal method, subject to completion of any pending wagering requirements and verification procedures.
We reserve the right to suspend or restrict your account at any time if we have reasonable grounds to believe you have breached these Terms, engaged in fraudulent activity, or pose a risk to the integrity of our platform. Reasons for suspension may include but are not limited to:
During account suspension, you will not be able to access your account, place bets, or request withdrawals. We will investigate the circumstances leading to the suspension and notify you of the outcome.
We reserve the right to permanently close your account and terminate our relationship with you at our sole discretion. In the event of termination for breach of these Terms, we may forfeit any remaining balance in your account. In the event of termination without breach (e.g., business reasons), we will return any remaining legitimate balance to you.
To the fullest extent permitted by law, oyo98, its directors, employees, partners, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or use, arising out of or related to your use of oyo98 services.
oyo98 shall not be liable for any losses arising from:
In any event, our total liability to you shall not exceed the amount of funds in your account at the time of the incident giving rise to liability.
If you have a complaint or dispute regarding oyo98 services, please contact our customer support team first. We will make reasonable efforts to resolve the issue amicably and promptly. Most disputes can be resolved through direct communication.
If a dispute cannot be resolved through customer support, you may escalate the matter to our management team. All dispute claims must be submitted in writing within 30 days of the incident giving rise to the dispute. Claims submitted after 30 days will not be considered.
You agree that any disputes arising from these Terms or your use of oyo98 services shall first be subject to good-faith negotiation between you and oyo98 for a period of at least 30 days before pursuing formal legal action.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which oyo98 holds its gaming license, without regard to conflict of law principles.
You acknowledge and agree that oyo98 operates as an international platform licensed outside of Indonesia. While we welcome Indonesian players, you use our services at your own discretion and are responsible for compliance with Indonesian laws regarding online gambling.
Any legal disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in the licensing jurisdiction. However, oyo98 retains the right to bring proceedings against you in the courts of your country of residence.
oyo98 reserves the right to modify, amend, or update these Terms and Conditions at any time. Changes will become effective immediately upon posting to the Website. We will notify you of material changes via email or prominent notice on the Website.
Your continued use of oyo98 services after changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must stop using oyo98 services and close your account.
We recommend reviewing these Terms periodically to stay informed of any updates. The "Last Updated" date at the top of this page indicates when these Terms were last revised.
If you have any questions, concerns, or requests regarding these Terms and Conditions, please contact us:
For Privacy Policy inquiries, please visit our Privacy Policy page. For Responsible Gaming concerns, please visit our Responsible Gaming page.
These Terms and Conditions were last updated on January 1, 2026. Version 2.1. By using oyo98 services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.
You must be at least 21 years old and have legal capacity to register and use oyo98 services. Age verification is mandatory.
Identity verification is required before your first withdrawal. Prepare your Indonesian ID and proof of address.
Each player may maintain only one oyo98 account. Multiple accounts are prohibited and will result in closure.
You are responsible for maintaining the confidentiality of your account credentials and all account activity.
Bonus abuse, collusion, bot usage, and other prohibited activities will result in account termination and fund forfeiture.
Use our self-exclusion and limit-setting tools if you need help managing your gambling. Support is available 24/7.
Our support team is here to help clarify any aspect of these Terms and Conditions.