Terms and Conditions panda95 —
The Complete Guide for All Members

1Acceptance of Terms and Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Member") and panda95 ("Platform", "We"). This document governs your use of all services, games, promotions, and features available on the panda95 platform, whether accessed through our official website at panda95.top or via the panda95 mobile app.

By clicking the "Register" button, completing the registration form, or using any part of our platform, you acknowledge that you have read, understood, and agreed to be fully bound by these Terms. This acceptance includes our Privacy Policy, which forms part of this agreement.

These Terms are drafted in Bahasa Melayu for the convenience of Malaysian members. In the event of any discrepancy in interpretation, the Bahasa Melayu version shall serve as the primary reference for members domiciled in Malaysia.

2Eligibility to Become a panda95 Member

To register and use panda95's services, you must meet all of the following eligibility requirements:

• Age 18 years and above at the time of registration. panda95 is committed to protecting minors, and any registration involving an underage individual will be cancelled immediately.
• Be an individual capable of entering into a legally binding agreement in your jurisdiction.
• Not be on an active self-exclusion list with any recognized gambling platform.
• Using the platform personally and not on behalf of any third party.
• Not use panda95 for money laundering or any illegal activity.

Panda95 reserves the right to request proof of eligibility at any time. If you are unable to prove that you meet the above requirements, panda95 reserves the right to suspend or terminate your account and withhold any associated balance pending the completion of an investigation.

3Account Registration & Management

Each member is only permitted to hold one (1) active account at panda95. Holding multiple accounts under the same individual — whether using different names, different phone numbers, or different payment methods — is a serious violation of these Terms. All duplicate accounts will be terminated and any winnings or balances in those accounts will be forfeited.

During registration, you are required to provide accurate, complete, and current information including your full legal name, date of birth, active Malaysian mobile number, and a valid email address. False or inaccurate information discovered at any time may result in account termination without prior notice.

You are fully responsible for ensuring your account information is kept up to date. Any changes to personal details such as your phone number or email address must be reported to the panda95 support team promptly.

4Deposits, Withdrawals and Financial Transactions

Panda95 supports a wide range of popular payment methods in Malaysia, including DuitNow, FPX, Touch 'n Go eWallet, GrabPay, and Boost. All financial transactions are processed through secure channels using SSL encryption to protect your data.

Deposit: All deposits are processed instantly upon confirmation from the payment provider. Minimum and maximum deposit limits apply based on the selected payment method and member account tier. Deposits made by a third party on behalf of a member are not permitted and may result in the account being suspended for investigation.

Withdrawal: Withdrawal requests are processed within 15 minutes to 2 hours depending on the chosen method and account verification status. Funds will be credited directly to the same bank account or e-wallet used for the original deposit. panda95 does not charge any processing fees for standard withdrawals.

• Withdrawals may only be made to an account registered under the verified member's name. Withdrawals to third-party accounts are strictly prohibited.
• Accounts that have not completed full identity verification (KYC) may be subject to lower withdrawal limits.
• Panda95 reserves the right to request additional documents before approving large withdrawal amounts as a fraud prevention measure.
• Any withdrawal attempt suspected of involving fraudulent activity or money laundering will be frozen and reported to the relevant authorities.

5Bonuses, Promotions and Special Offers

Panda95 offers a variety of bonuses and promotions from time to time, including welcome bonuses, deposit bonuses, cashback, free spins, and exclusive VIP offers. All bonuses are subject to the terms and wagering requirements stated in their respective bonus terms.

The general terms applicable to all panda95 bonuses are as follows:

• Bonuses cannot be withdrawn before the wagering requirements have been fully met. The amount required to be wagered will be clearly stated in each promotion's terms.
• Each member is only eligible to claim one welcome bonus. Attempting to claim the same bonus more than once using different accounts constitutes fraud.
• Received bonuses have a set validity period. Unused bonuses will expire automatically upon the expiry of that period without notice.
• Panda95 reserves the right to void any bonus suspected of being obtained through fraud, abuse, or exploitation of the promotions system.
• Some games may not qualify towards bonus wagering requirements. The list of eligible games is stated in the terms of each promotion.

Panda95 reserves the right to modify, suspend, or terminate any promotion at any time without prior notice. Any such changes will not affect bonuses that are currently in the process of meeting wagering requirements at the time the changes are made.

6Game Rules & Member Conduct

Panda95 is committed to providing a fair and secure gaming environment for all members. All games on our platform use a Random Number Generator (RNG) that has been certified by an independent body to ensure consistent fairness.

The following are strictly prohibited on the panda95 platform:

• Using automation software, bots, scripts, or unauthorised third-party tools to play or interact with the platform.
• Colluding with other players to exploit the gaming system or manipulate game outcomes.
• Exploiting any bugs, technical errors, or vulnerabilities in the platform's systems. Any bugs discovered must be reported to the support team immediately.
• Using betting strategies specifically designed to exploit bonuses (bonus abuse) without genuine intent to play.
• Spreading offensive, inflammatory, or inappropriate content through any panda95 communication channel.

Panda95 uses an advanced monitoring system to detect suspicious activity. Any violations will be thoroughly investigated and appropriate action will be taken, including account termination and freezing of associated funds.

7Account Security and Responsibility

Your account security is a shared responsibility between you and panda95. While panda95 protects the platform infrastructure with high-grade encryption and the latest cybersecurity measures, you are responsible for safeguarding your login credentials.

• Do not share your password, verification codes, or login credentials with anyone — including family members and friends.
• Use a strong and unique password for your panda95 account. Avoid reusing passwords from other accounts.
• Enable two-factor authentication (2FA) for an additional layer of security, provided by panda95 free of charge.
• Log out of your account after each session, especially when using a shared device.
• Report to the panda95 support team immediately if you suspect your account has been accessed without authorisation.

Panda95 will not be held responsible for any losses arising from a member's failure to keep their login credentials secure. However, we will do everything possible to help recover any compromised account once a report has been received.

8Identity Verification (KYC)

As part of panda95's commitment to security and regulatory compliance, all members are required to complete the identity verification process (KYC — Know Your Customer) before their first withdrawal or when requested by the panda95 team.

Documents that may be required for KYC verification include:

• Identity verification: Malaysian Identity Card (MyKad), passport, or a valid driving licence.
• Proof of address: A utility bill, bank statement, or other official document showing your name and current address dated within the last 3 months.
• Payment method verification: A screenshot or proof of ownership of the bank account or e-wallet used for the deposit.

All documents submitted for KYC purposes are processed securely and confidentially in accordance with panda95's Privacy Policy. They are used solely for verification purposes and will not be shared with third parties without your consent, except as required by law.

9Responsible Gaming

Panda95 deeply cares about the well-being of its members. We believe that online gaming should be a source of fun and entertainment, not stress or financial hardship. As such, panda95 provides a range of tools to help members play responsibly.

Responsible gaming tools available at panda95 include:

• Deposit Limit: Set your own daily, weekly, or monthly deposit limits based on what you can afford.
• Loss Limit: Set a maximum loss amount for a period of your choosing.
• Session Time Limit: Set how long you can play in a single session to prevent excessive gaming.
• Self-Exclusion: Take a temporary break from the platform for 24 hours, 7 days, or 30 days as needed.
• Self-Exclusion: Option to permanently self-exclude from the platform for those who feel it is necessary.

If you feel that gaming is beginning to negatively affect your life or the lives of those close to you, please contact the panda95 support team or visit the Responsible Gaming us for guidance and appropriate support resources.

10Intellectual Property and Copyright

All content on the panda95 platform — including brand names, logos, website design, text, graphics, images, games, software, and audiovisual elements — is the exclusive property of panda95 or our licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You are not permitted to:

• Copying, reproducing, modifying, publishing, or distributing any panda95 content without prior written permission.
• Using the panda95 name or logo for any commercial or personal purpose without authorisation.
• Creating websites, applications, or services that imitate or resemble panda95 in a misleading manner.

Permitted use of panda95 content is limited to personal, non-commercial use solely for the purpose of enjoying the platform's services.

11Liability Limit and Disclaimer

Panda95 provides its services "as is" and makes no express or implied warranties regarding the accuracy, reliability, or suitability of the platform for any particular purpose. While we strive to keep our services available 24/7, unforeseen technical disruptions may occur from time to time.

Panda95 shall not be liable for:

• Any loss or damage arising from service disruptions, technical delays, or system failures beyond our control.
• Any financial losses incurred as a result of gaming decisions made by the member.
• Any losses resulting from a member's failure to comply with these Terms or to secure their login credentials.
• Actions or omissions by third parties including payment providers or game software providers.

In any circumstance, the maximum total liability of panda95 to any member is limited to the net deposit amount made by that member in the 30 days prior to the relevant claim being made.

12Changes to Terms & Notices

Panda95 reserves the right to update, modify, or replace any part of these Terms and Conditions at any time. Changes will take effect immediately upon publication on the official panda95 website, unless otherwise stated.

For material and significant changes, panda95 will endeavour to provide advance notice via members' registered email or in-platform notifications at least 7 days before the changes take effect. However, continued use of the platform after any changes are published constitutes your acceptance of the updated terms.

It is your responsibility to review this Terms and Conditions page periodically to stay informed of the latest terms governing your use of panda95. The date of the most recent update will always be displayed at the top of this page.