Terms & Conditions SBK21 — A Complete Guide to Platform Rules in Malaysia

These Terms and Conditions constitute a legally binding agreement between you (the user) and sbk21 (the platform). By accessing or using sbk21's services in any way, you confirm that you have read, understood, and agree to comply with all terms set out in this document and all policies referenced within it.

These terms cover, but are not limited to, account usage, financial transactions, the use of bonuses and promotions, participation in casino games, slots, live baccarat, progressive jackpots, and all other services provided by SBK21 from time to time.

To be eligible to register and use the platform SBK21, an individual must meet all of the following eligibility requirements without exception:

• At least 21 years old at the time of registration
• Must be a resident of or legally present in Malaysia
• Must have a valid and active Malaysian phone number for OTP verification
• Having a valid Malaysian payment method (DuitNow, TNG eWallet, GrabPay, Boost, ShopeePay, or FPX)
• Must not be under any self-exclusion period or account suspension imposed by SBK21
• Not registering on behalf of any third party
• Not currently declared bankrupt under Malaysian law

SBK21 reserves the right to request identity verification at any time to confirm that member eligibility requirements are met. This verification may include submission of a valid Malaysian identity card (MyKad) or passport.

3.1 One Account Per Individual

Each individual is only permitted to hold one (1) active account at SBK21 at any one time. Holding more than one account — whether under a different name, email address, phone number, or payment method — is a serious breach of these terms. SBK21 uses advanced detection technology to identify duplicate accounts, and all such accounts will be closed immediately without any refund of remaining funds.

3.2 Account Information Accuracy

You are solely responsible for ensuring that all information provided during registration is accurate, current, and complete. This includes your full name (as per MyKad), phone number, email address, and date of birth. SBK21 is not responsible for any issues arising from inaccurate account information.

3.3 Password Security

You are solely responsible for keeping your SBK21 account password confidential. Do not share your password with anyone, including family members. SBK21 will never ask for your password through any communication channel. If you suspect your account has been accessed without authorisation, contact our support team immediately.

4.1 Accepted Deposit Methods

SBK21 accepts deposits via the following Malaysian payment methods only: DuitNow, Touch 'n Go eWallet, GrabPay, Boost, ShopeePay, as well as FPX via selected banks including Maybank2u and CIMB Clicks. The minimum deposit is RM 10 and maximum deposit limits depend on your account tier.

4.2 Deposit Processing Time

Deposits via DuitNow, Touch 'n Go eWallet, GrabPay, Boost, and ShopeePay are typically credited to your sbk21 account within seconds to 5 minutes. FPX deposits depend on your bank's processing time and are usually credited within 5 to 15 minutes during business hours. If your deposit is not credited within the expected timeframe, keep your proof of transaction and contact sbk21 customer support immediately.

4.3 Withdrawal Policy

Withdrawals may be requested at any time, provided the following conditions are met: (a) your account balance consists of original deposited funds or funds that have fulfilled all bonus wagering requirements; (b) your identity has been verified by SBK21; and (c) there is no active investigation relating to your account. The minimum withdrawal amount is RM 30.

SBK21 processes withdrawals within 5 to 30 minutes for amounts below RM 10,000 on standard business days. Larger withdrawals or those involving jackpot winnings may require additional verification and can take up to 3 business days. Withdrawals must be made to the same payment method used for the deposit.

All bonuses and promotions offered by SBK21 are subject to the specific terms stated on their respective promotion pages. The following general conditions apply to all SBK21 bonuses unless explicitly stated otherwise:

• 100% Welcome Bonus: Available to new members once only. 30x wagering requirement on the bonus value. Minimum deposit RM 20.
• Reload Bonus: Available every Friday. 25x wagering requirement on bonus value. Minimum deposit RM 30.
• Weekly Cashback: Credited automatically every Monday for a minimum net loss of RM 50. No wagering requirement applies to cashback.
• Birthday Bonus: RM 88 credited on the member's birthday. 20x wagering requirement.

Bonus funds cannot be withdrawn before wagering requirements have been fully met. If you choose to withdraw before the requirements are fulfilled, your original deposit amount may be withdrawn, but the bonus funds and any winnings derived from them will be forfeited. This policy is applied consistently and without exception.

SBK21 reserves the right to withdraw, modify, or void any bonus at any time if there is evidence of abuse, fraud, or a breach of terms. Abuse includes, but is not limited to, hedge betting, using multiple accounts to claim bonuses repeatedly, or using automated software to play.

All games offered on the platform SBK21 — covering live baccarat, roulette, blackjack, sic bo, dragon tiger, video slots, progressive jackpots, and all other games — operate in accordance with the international standard game rules set by their respective game providers.

6.1 Live Casino Games

SBK21's live casino tables are operated by certified human dealers from state-of-the-art studios. All rounds are conducted in real time and results are final. SBK21 has no control or influence over live casino game outcomes. Recordings of every round are retained and can be requested for dispute investigation within 30 days.

6.2 Digital Games (RNG)

Digital casino games, slots, and progressive jackpots use a Random Number Generator (RNG) that has been certified by independent international certification bodies. The Return to Player (RTP) value for each game is stated in the game information and represents a long-term statistical figure — results from individual sessions may vary significantly.

6.3 Game Disputes

If you believe there has been an error or irregularity in a game round, you must report it to the sbk21 support team within 72 hours of that round. sbk21 will investigate and provide a decision within 7 business days. sbk21's decision on game dispute matters is final.

SBK21 has a zero-tolerance policy toward all forms of fraud, money laundering, and illegal activity. We fully comply with Malaysia's Anti-Money Laundering requirements and cooperate with the relevant authorities whenever necessary.

The following activities are strictly prohibited on the SBK21 platform and will result in immediate account closure along with the freezing of all funds pending investigation:

• Using funds obtained through unlawful means to make deposits
• Using more than one account to circumvent limits or obtain multiple bonuses
• Using automated software, bots, or any unfair method to gain an advantage in games
• Systematically placing hedging bets to profit from bonuses without genuine risk
• Colluding with other players to manipulate game outcomes or unfairly obtain bonuses
• Using false information during registration or identity verification

SBK21 reserves the right to close or suspend any member account at any time, with or without prior notice, for the following reasons:

• Violation of any term in this document
• Suspected fraud or unlawful activity
• Accounts inactive for more than 12 consecutive months
• Self-closure request submitted by the member through the designated channel
• Instructions from relevant authorities

If your account is closed for legitimate, non-fraud-related reasons, your original deposit balance (after deducting any bonus funds that have not met the wagering requirements) will be returned within 5 to 10 business days. Any remaining bonus balance that has not fulfilled its wagering requirements will be forfeited.

8.1 Voluntary Account Closure

To voluntarily close your SBK21 account, contact our support team via live chat or email at support@sbk21.biz. The closure process takes 1 to 3 business days. Please ensure you have withdrawn all eligible funds before submitting your closure request.

SBK21 is committed to promoting responsible and safe gaming among all our Malaysian members. Casino games should be enjoyed purely as entertainment — not as a source of income or a way to resolve financial difficulties.

The sbk21 platform provides the following gambling management tools, which any member can activate at any time:

• Deposit Limit: Set daily, weekly, or monthly deposit limits to manage your spending
• Loss Limit: The account will end the gaming session once the set loss limit is reached
• Session Limit: Set a maximum duration for a single playing session before your account is temporarily locked
• Cool-Off Period: Suspend access to games for 24 hours, 48 hours, or 7 days
• Self-Exclusion: Request an account suspension for a longer period, from 1 month to 6 months

For more information on responsible gambling support resources and how to access these tools, please visit our Responsible Gambling us.

To the extent permitted by applicable Malaysian law, SBK21 and its affiliated companies, directors, employees, and agents shall not be liable for:

• Any financial losses incurred as a result of playing on the SBK21 platform
• Service disruptions caused by factors beyond our control, including internet outages, third-party server issues, or natural disasters
• Losses arising from unauthorised access to your account resulting from your own negligence in safeguarding your login credentials
• Any investment or financial decision made based on information obtained from the SBK21 platform

Sbk21's maximum liability in any circumstance shall not exceed the total amount you deposited into your account in the 30 days prior to the claim being made. This provision does not affect any user rights that cannot be excluded under Malaysian law.

SBK21 collects, processes, and stores members' personal data in accordance with Malaysia's Personal Data Protection Act 2010. Data collected is used solely for account management, transaction processing, fraud prevention, legal compliance, and service improvement.

SBK21 uses 256-bit SSL encryption for all data transmitted between your device and our servers. Your personal data will not be sold, leased, or shared with any third party for marketing purposes without your explicit consent.

For complete information on how SBK21 manages, protects, and processes your personal data, as well as your rights as a data subject, please read Privacy Policy detailed page.

SBK21 reserves the right to modify, add, or remove any part of these terms and conditions at any time. Members will be notified of any material changes via their registered email or in-platform notification at least 7 days before the changes take effect. Continued use of the SBK21 platform after the effective date of any amendment will be considered your acceptance of the updated terms.

These Terms and Conditions are governed by and construed in accordance with the laws of Malaysia. Any dispute arising from or in connection with these terms shall first be resolved amicably through negotiation. Should a resolution not be reached, the parties agree to settle the dispute through a mutually agreed method of arbitration.