Last Updated: January 1, 2026

Table of Contents

1. Definitions

For the purposes of these Terms and Conditions, the following definitions apply:

2. Acceptance of Terms

By creating an Account, accessing our Website, or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy and Responsible Gaming guidelines. These terms constitute a legally binding agreement between you and axa88.

If you do not agree with any part of these Terms and Conditions, you must not use our Services. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting to the Website. Your continued use of the Services after changes are posted constitutes acceptance of the modified terms.

It is your responsibility to review these Terms and Conditions regularly to ensure you are aware of any changes. The "Last Updated" date at the top of this document indicates when the most recent revisions were made.

3. Eligibility Requirements

To use axa88 Services, you must meet all of the following eligibility criteria:

Age Requirement

You must be at least 21 years of age. This is a strict requirement with no exceptions. axa88 takes age verification seriously and implements robust procedures to prevent underage gambling. Any User found to be under 21 will have their Account immediately suspended, all bets voided, and any funds forfeited.

Legal Capacity

You must have the legal capacity to enter into binding contracts under the laws of your jurisdiction. You must not be subject to any legal restrictions that would prevent you from using online betting services.

Geographic Location

Our Services are intended for residents of Indonesia. You represent and warrant that you are accessing our platform from a location where online betting is not explicitly prohibited by local law. It is your sole responsibility to ensure that your use of axa88 complies with the laws of your jurisdiction.

Single Account Policy

Each User is permitted to maintain only one Account with axa88. Creating multiple accounts is strictly prohibited and will result in immediate suspension of all accounts and forfeiture of any balances or winnings. This policy exists to prevent bonus abuse, maintain fair play, and comply with anti-money laundering regulations.

Important: By registering an Account, you confirm that all information provided is accurate, complete, and up-to-date. You agree to notify us immediately of any changes to your personal information. Providing false or misleading information is grounds for immediate Account termination.

4. Account Registration

To access axa88 betting services, you must create a personal Account by providing accurate information during the registration process. The registration process requires the following:

Required Information

Account Security

You are solely responsible for maintaining the confidentiality of your Account login credentials. You must not share your username or password with any third party. Any activity that occurs under your Account is your responsibility, whether or not authorized by you. You agree to immediately notify axa88 of any unauthorized use of your Account or any other breach of security.

We recommend using a strong, unique password that combines uppercase and lowercase letters, numbers, and special characters. Enable two-factor authentication when available for additional security.

Account Limitations

axa88 reserves the right to refuse registration or to suspend or terminate any Account at our sole discretion, particularly if we suspect fraudulent activity, violation of these terms, or if required by law. We may request additional documentation to verify your identity at any time.

5. Account Verification (KYC)

In accordance with international anti-money laundering regulations and responsible gaming standards, axa88 implements a Know Your Customer (KYC) verification process. All Users must complete identity verification before making their first withdrawal, and may be required to reverify periodically or when requested.

Required Documentation

To verify your Account, you must provide clear, legible copies of the following documents:

Verification Timeline

Our verification team typically processes submitted documents within 1-24 hours during business days. You will receive email notification once your Account is verified. During the verification period, you may continue to play and bet, but withdrawal requests will be held pending verification completion.

Payment Method Verification

For deposits and withdrawals via Indonesian banks (BCA, BRI, BNI, Mandiri, etc.) or e-wallets (OVO, DANA, GoPay, ShopeePay), we may request proof that the payment method is registered in your name. This protects both you and axa88 from fraud and unauthorized transactions.

6. Deposits and Withdrawals

Deposits

axa88 accepts deposits via all major Indonesian banks including BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI, and Bank Permata, as well as e-wallets including OVO, DANA, GoPay, ShopeePay, and LinkAja. All deposits are credited to your Account instantly upon confirmation by the payment provider.

Minimum and maximum deposit amounts vary by payment method and will be displayed during the deposit process. There are no fees charged by axa88 for deposits, though your bank or payment provider may impose their own transaction fees.

Withdrawals

Withdrawal requests are typically processed within 5 minutes for verified accounts using Indonesian banks or e-wallets. First-time withdrawals require completed KYC verification. You may only withdraw to a payment method registered in your own name.

Minimum withdrawal amount is Rp 50,000. Maximum daily withdrawal limits apply based on your VIP tier and account history. Withdrawals must be made using the same method as your deposit where possible, in accordance with anti-money laundering regulations.

Wagering Requirements

All deposits must be wagered at least once before withdrawal to comply with anti-money laundering regulations. Bonus funds are subject to specific wagering requirements detailed in the Bonuses section below. Attempting to withdraw funds without meeting wagering requirements may result in the transaction being declined and potential account review.

Anti-Money Laundering: axa88 is committed to preventing money laundering and terrorist financing. We reserve the right to request source of funds documentation for large deposits or unusual transaction patterns. Suspicious activity will be reported to relevant authorities.

7. Bonuses and Promotions

axa88 offers various bonuses and promotions to enhance your gaming experience. All bonuses are subject to specific terms and conditions which will be clearly stated in the promotional offer. By accepting any bonus, you agree to comply with these specific terms.

General Bonus Terms

Welcome Bonus

New Users may be eligible for a welcome bonus on their first deposit. Welcome bonuses are typically 100% match bonuses up to a specified maximum amount (e.g., Rp 1,000,000) with 30x wagering requirements. You must opt-in to receive the welcome bonus before making your first deposit.

Cashback Offers

Weekly or monthly cashback offers return a percentage of your net losses over a specified period. Cashback is typically credited as bonus funds with lower wagering requirements (often 1x or no wagering). Cashback eligibility and percentages may vary by VIP tier.

Withdrawal During Active Bonus

If you request a withdrawal while bonus funds or incomplete wagering requirements remain in your account, the bonus and any winnings derived from it will be forfeited. Your deposited funds and any winnings from those funds remain available for withdrawal.

8. Betting Rules

General Betting Rules

All bets placed on axa88 are governed by these general rules as well as specific rules for each betting market or game type. In the event of any discrepancy, game-specific rules take precedence over general rules.

Sports Betting

For sports betting including football (bandar bola), all bets are settled based on official results at the conclusion of regular time unless otherwise stated. Extra time and penalty shootouts are not included unless specifically stated in the market description.

For mix parlay (accumulator) bets combining multiple selections, all selections must win for the bet to be successful. If any match is postponed or abandoned, specific rules apply depending on the market type.

Asian Handicap and Over/Under markets follow standard Asian betting rules. In case of a draw result after the handicap is applied, stakes are refunded.

Casino Games

All casino games including slots, table games, and live dealer games use certified Random Number Generators (RNG) or live dealer systems that ensure fair and random outcomes. Return to Player (RTP) percentages are displayed for each game.

In live dealer games, the dealer's decision is final. Any disputes should be raised with customer support immediately, and may be reviewed via video footage.

Disconnections

If you experience a disconnection during a game round, the round will be completed automatically according to the game rules. In sports betting, if disconnection occurs before bet confirmation, no bet is placed. After confirmation, the bet stands regardless of disconnection.

9. Responsible Gaming

axa88 is committed to promoting responsible gaming and providing a safe entertainment environment. We encourage all Users to gamble responsibly and within their means. Gambling should be an enjoyable recreational activity, not a way to make money or solve financial problems.

Available Tools

We provide the following responsible gaming tools to help you maintain control:

Getting Help

If you feel that gambling is becoming a problem, please contact our customer support team immediately or visit our Responsible Gaming page for resources and support information. We can help you set limits or self-exclude from the platform.

For additional support, consider contacting professional organizations that specialize in problem gambling counseling and treatment.

10. Prohibited Activities

The following activities are strictly prohibited when using axa88 Services. Violation of these prohibitions may result in immediate Account suspension, forfeiture of funds, and potential legal action:

axa88 employs sophisticated fraud detection systems and manually reviews suspicious activity. We cooperate with law enforcement and regulatory authorities when investigating potential criminal activity.

11. Limitation of Liability

To the fullest extent permitted by applicable law, axa88 and its officers, directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from your use of our Services, including but not limited to:

Force Majeure

axa88 shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, government action, labor disputes, internet service provider failures, or cyber attacks.

Maximum Liability

In no event shall axa88's total liability to you for all damages, losses, and causes of action exceed the amount of funds in your Account balance or Rp 10,000,000, whichever is lower.

Disclaimer: axa88 Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our Services will be uninterrupted, error-free, or completely secure.

12. Account Suspension and Termination

axa88 reserves the right to suspend, restrict, or terminate your Account and refuse any current or future use of our Services at our sole discretion, with or without notice, for any reason including but not limited to:

User-Initiated Closure

You may close your Account at any time by contacting customer support. Upon closure, any remaining balance will be returned to you via your registered payment method after deducting any applicable fees. Bonus funds and incomplete wagering requirements will be forfeited.

Effects of Termination

Upon Account termination or suspension:

13. Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with international gaming regulations and the laws of the jurisdiction where axa88 operates under license. Any disputes arising from these terms or your use of our Services shall be resolved as follows:

Internal Dispute Resolution

In the first instance, any disputes should be raised with our customer support team at [email protected]. We will make every reasonable effort to resolve complaints internally within 14 business days of receipt.

Arbitration

If internal resolution is unsuccessful, disputes may be submitted to binding arbitration in accordance with the rules of international commercial arbitration. The arbitration shall be conducted in English, and the decision of the arbitrator shall be final and binding on both parties.

Limitations Period

Any claim or dispute must be raised within 90 days of the event giving rise to the complaint. Claims made after this period may be rejected regardless of merit.

14. Contact Information

If you have any questions about these Terms and Conditions or need assistance, please contact us:

Our customer support team is fluent in both Indonesian and English and is ready to assist you with any questions or concerns regarding your Account, our Services, or these Terms and Conditions.

Thank you for choosing axa88. We are committed to providing you with a safe, fair, and entertaining online betting experience.

Age Verification

All users must be 21 years or older. Strict age verification procedures are enforced to prevent underage gambling.

Account Security

You are responsible for maintaining the confidentiality of your login credentials and all account activity.

Binding Agreement

By using axa88, you agree to these Terms and Conditions. Please read them carefully before creating an account.

24/7 Support

Our customer support team is available around the clock to answer questions about our terms and your account.

Fair Play

We are committed to fair gaming practices and transparent terms. All games use certified RNG systems.

Responsible Gaming

Gambling should be entertaining. We provide tools to help you stay in control and gamble responsibly.

Need More Information?

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