Terms & Conditions

1 Introduction

Welcome to mycard99 ("we", "us", "our", "the Platform"). mycard99 is an online sports betting and live casino platform operated for and accessible to eligible players located in permitted jurisdictions, with a primary focus on serving the Malaysian market. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("the Player", "you", "your") and mycard99 governing your use of the Platform, including all services, features, promotions, and content accessible through mycard99.cam and any related subdomains or mobile interfaces.

By accessing the mycard99 website, creating a player account, making a deposit, or placing any wager, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and Responsible Gambling Policy, each of which is incorporated into these Terms by reference.

mycard99 reserves the right to amend, update, or replace these Terms at any time. Players will be notified of material changes via email or on-site notification. It is your responsibility to review the Terms periodically.

2 Definitions

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

• "Account" means a registered player account on the mycard99 Platform, held in the Player's name and associated with a unique username and verified identity.
• "Balance" means the aggregate of real money funds held in your Account at any given time, excluding any ring-fenced bonus funds.
• "Bonus Funds" means promotional credits awarded to a Player's Account subject to wagering requirements and bonus-specific terms.
• "Deposit" means any transfer of real money funds from a Player's external payment method into their mycard99 Account Balance.
• "Eligible Player" means any individual who satisfies the eligibility criteria set out in Section 3 of these Terms.
• "KYC" means Know Your Customer — the identity and address verification process required under anti-money laundering obligations.
• "MYR" / "RM" means Malaysian Ringgit, the primary transaction currency on the mycard99 Platform.
• "Platform" means the mycard99 website, mobile-optimised interface, and all associated services accessible at mycard99.cam.
• "Wager" means any bet, stake, or game round placed by a Player using real money or eligible Bonus Funds on the Platform.
• "Withdrawal" means the transfer of available real money Balance from a Player's Account to their nominated payment method.

3 Account Eligibility

To register and maintain an Account on mycard99, you must satisfy all of the following eligibility requirements at the time of registration and on a continuing basis:

1. You are a natural person (not a corporation, trust, partnership, or other legal entity);
2. You are at least 21 years of age. mycard99 enforces a strict 21+ minimum age policy. Players aged between 18 and 20 are not permitted to register regardless of the legal gambling age in their jurisdiction;
3. You are not located in a jurisdiction where online gambling is prohibited or restricted by applicable law;
4. You are not a current or former employee, contractor, officer, or director of mycard99, nor are you an immediate family member or household member of such a person;
5. You have not previously been excluded, banned, or suspended from the mycard99 Platform or had an Account closed for breach of these Terms;
6. You are acting on your own behalf and not as an agent for, or on behalf of, any third party;
7. You are of sound mind and are not registered with any gambling self-exclusion programme that would prohibit your access to online gambling services.

4 Account Registration & Verification

Each Player is permitted to hold one Account only on the mycard99 Platform. Registration of multiple accounts — whether using the same or different personal details, payment methods, or devices — constitutes a material breach of these Terms and will result in the closure of all associated accounts and forfeiture of any balances therein.

During registration, you are required to provide accurate, complete, and up-to-date information, including your full legal name, date of birth, Malaysian identity card number (or passport number for non-citizens), residential address, email address, and mobile phone number. You are responsible for maintaining the accuracy of this information and must notify mycard99 promptly of any changes.

Prior to processing any withdrawal or granting access to certain promotional features, mycard99 may require you to complete our KYC verification process. This typically involves submission of:

• A government-issued photo identification document (Malaysian MyKad, passport, or driving licence);
• Proof of residential address dated within the last three months (utility bill, bank statement, or official correspondence);
• Proof of payment method ownership where required (e.g., screenshot of e-wallet registered to the same name).

mycard99 reserves the right to request additional documentation where it deems necessary for the purposes of anti-money laundering (AML) compliance, fraud prevention, or identity verification. All submitted documents are handled in accordance with our Privacy Policy.

5 Deposits & Withdrawals

mycard99 supports the following Malaysian payment channels for deposits and withdrawals: Maybank2u, CIMB Clicks, Public Bank Online, Hong Leong Connect, Touch 'n Go eWallet, Boost, GrabPay, DuitNow, and FPX (Financial Process Exchange). Cryptocurrency deposits in BTC and USDT are also accepted. Supported channels and processing times are subject to change without prior notice.

Deposits:

• The minimum single deposit amount is RM30 unless stated otherwise in a specific promotion.
• Deposits via DuitNow and e-wallets (Touch 'n Go eWallet, Boost, GrabPay) are typically credited to your Account instantly.
• FPX bank transfer deposits are typically processed within 5 to 15 minutes.
• mycard99 does not charge fees for standard deposits; however, your payment provider may impose their own transaction fees.
• All deposits must originate from a payment method registered in your own name. Third-party deposits are strictly prohibited.

Withdrawals:

• Withdrawals may only be processed to a verified payment method registered in your name and matching the identity on your Account.
• The minimum single withdrawal amount is RM50.
• Withdrawals are subject to any outstanding wagering requirements on active bonus funds. Real money balances without bonus conditions may be withdrawn at any time.
• mycard99 targets a processing time of 3 minutes for e-wallet and DuitNow withdrawals and 5 to 15 minutes for bank transfers under normal operating conditions. Processing times may be extended where additional verification is required.
• mycard99 reserves the right to perform enhanced due diligence checks before processing withdrawals above certain thresholds, in accordance with applicable AML obligations.

6 Bonuses & Promotions

mycard99 offers a range of promotional bonuses to eligible Players, including welcome deposit bonuses, reload bonuses, birthday bonuses, cashback offers, and referral bonuses. All bonuses are subject to the following general conditions and any additional promotion-specific terms communicated at the time of the offer.

• Eligibility: Bonuses are available exclusively to verified Eligible Players aged 21 and above. Bonuses may not be available to Players in certain jurisdictions or to Players who have previously claimed the same offer type.
• Wagering Requirements: Most bonuses at mycard99 carry a wagering requirement expressed as a multiplier (e.g., "35x"). This means the bonus amount — and in some cases the deposit amount — must be wagered the specified number of times using qualifying game types before any winnings derived from those bonus funds may be withdrawn. Wagering requirements for each active promotion are displayed in the promotion terms.
• Minimum Deposit: Bonuses requiring a qualifying deposit will specify the minimum deposit amount (e.g., RM50). Deposits below the stated minimum will not trigger the bonus.
• Validity Period: All bonuses expire within the period stated in the relevant promotion terms. Expired bonuses and associated winnings are automatically removed from the Account.
• Contribution Rates: Different game categories contribute to wagering requirements at different rates. Sports bets, slots, live casino, and fishing games may each have different contribution percentages. Specific contribution tables are provided in individual promotion terms.
• Bonus Abuse: mycard99 actively monitors for bonus abuse, including but not limited to: exploiting low-edge bets to satisfy wagering requirements, coordinated wagering between linked accounts, and misuse of the referral programme. Where abuse is identified, mycard99 reserves the right to void the bonus, cancel associated winnings, and close the Account without prior notice.

7 Betting Rules

All sports wagers placed on mycard99 are subject to the following general betting rules and to any sport-specific or event-specific rules published on the Platform:

• Bets are accepted and settled in accordance with official results from the relevant governing body (e.g., Football Association of Malaysia for Liga Super Malaysia, UEFA for European competitions, UFC for MMA events).
• In the event that a match or event is abandoned, postponed, or cancelled, mycard99's settlement policy will apply as set out in the sport-specific rules. Generally, bets on abandoned matches are voided and stakes returned unless the event is completed within a specified rescheduling window.
• mycard99 reserves the right to limit stake amounts, refuse bets, and restrict access to certain markets at its sole discretion, including for Players identified as professionally engaged in sports betting.
• In-play (live) wagers are subject to a brief acceptance delay. A bet is not confirmed until mycard99 has issued an on-screen confirmation with a unique bet reference number.
• In the event of a manifest pricing error (palpable error), mycard99 reserves the right to void the affected wager and return the stake to the Player's Account, regardless of the original settlement.
• Maximum win limits per bet and per day apply and are displayed on the Platform. Winnings exceeding these limits are subject to review and may be adjusted to the stated maximum.

8 Prohibited Conduct

The following conduct is strictly prohibited on the mycard99 Platform. Engaging in any prohibited conduct may result in immediate Account suspension, forfeiture of funds, and reporting to relevant authorities where legally required:

• Providing false, misleading, or fraudulent registration information;
• Using the Platform to facilitate money laundering, terrorist financing, or any other criminal activity;
• Registering or using more than one Account (multi-accounting);
• Using another person's Account or payment credentials without authorisation;
• Engaging in collusion with other Players or with any Platform employee;
• Employing automated betting software, bots, scripts, or any form of artificial intelligence to place wagers or interact with the Platform;
• Exploiting technical errors, software glitches, or pricing anomalies to generate fraudulent profit;
• Engaging in match-fixing, insider betting, or any conduct that compromises the integrity of sporting events;
• Attempting to reverse-engineer, hack, or interfere with the Platform's software, security mechanisms, or data infrastructure;
• Harassing, threatening, or using offensive language towards mycard99 staff or other Players via any communication channel.

9 Intellectual Property

All content on the mycard99 Platform, including but not limited to the brand name, logo, website design, software code, text, graphics, images, game interfaces, promotional materials, and data compilations, is the proprietary intellectual property of mycard99 or its licensed content providers. All rights are reserved.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal entertainment purposes in accordance with these Terms. This licence does not confer any right to copy, reproduce, distribute, publicly display, modify, create derivative works from, or commercially exploit any Platform content without the express prior written consent of mycard99.

10 Limitation of Liability

To the fullest extent permitted by applicable law, mycard99's aggregate liability to any Player in connection with their use of the Platform shall not exceed the total amount deposited by that Player into their Account in the ninety (90) days immediately preceding the event giving rise to the claim.

mycard99 shall not be liable for:

• Any loss of profits, revenue, data, or goodwill arising out of or in connection with your use of the Platform, whether direct, indirect, consequential, or incidental;
• Service interruptions, downtime, or errors caused by third-party infrastructure providers, including payment processors, internet service providers, or telecommunications networks;
• The conduct, actions, or omissions of third parties;
• Any unauthorised access to your Account resulting from your failure to maintain the confidentiality of your login credentials.

Nothing in these Terms shall limit or exclude liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

11 Responsible Gambling

mycard99 is committed to promoting responsible gambling and providing a safe, fair, and enjoyable environment for all players. Gambling is intended as a form of entertainment and should never be pursued as a method of generating income or recovering financial losses.

The following responsible gambling tools are available to all registered Players at no cost and may be activated at any time via your Account settings or by contacting support:

• Deposit Limits: Set daily, weekly, or monthly caps on the total amount you may deposit to your Account;
• Session Time Reminders: Configure notifications to alert you after a specified duration of continuous play;
• Cool-Off Period: Temporarily suspend your Account for a period of 24 hours to 6 weeks;
• Self-Exclusion: Permanently close your Account for a minimum period of six months, up to a lifetime exclusion. Self-exclusion requests are irrevocable during the exclusion period.

If you believe your gambling behaviour is becoming problematic, we encourage you to visit our Responsible Gambling page and to seek support from qualified counselling services. For more information on responsible gambling practices, please refer to our dedicated Responsible Gambling Policy.

12 Suspension & Termination

mycard99 reserves the right to suspend, restrict, or permanently close any Player Account, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms;
• Failure to complete KYC verification within a specified timeframe;
• Suspected fraudulent activity, money laundering, or criminal conduct;
• Receipt of a chargebank or payment reversal from a Player's payment provider;
• The Player's Account has been inactive for a continuous period of 12 months;
• Regulatory requirements or instructions from a competent authority.

You may close your Account at any time by submitting a written request via email to our support team. Upon closure, any available real money Balance net of any outstanding obligations will be refunded to your verified payment method within a reasonable timeframe, subject to satisfactory KYC verification.

13 Amendments to These Terms

mycard99 may amend, update, or replace these Terms at any time. Where changes are material — affecting Players' rights, obligations, or the core terms of service — mycard99 will provide at least seven (7) days' advance notice via email or prominent on-site notification before the changes take effect.

For minor or non-material amendments (such as typographical corrections, clarifications, or updates to reflect changes in applicable law), changes may take effect immediately upon publication on the Platform. The "Last Updated" date at the top of this page will always reflect the most recent revision.

Your continued use of the mycard99 Platform following the effective date of any amended Terms constitutes your acceptance of those amendments. If you do not agree to the amended Terms, you must cease using the Platform and may request Account closure in accordance with Section 12.

14 Dispute Resolution

In the event of a dispute arising from your use of the mycard99 Platform, including disputes regarding bet settlement, bonus terms, Account closure, or payment processing, you should first contact our customer support team with full details of the complaint. We aim to acknowledge all complaints within 24 hours and provide a substantive response within 72 hours.

The following escalation procedure applies to unresolved disputes:

1. Step 1 — Informal Resolution: Submit your complaint via the mycard99 live chat or email support channel, providing your Account username, a clear description of the issue, and any supporting evidence.
2. Step 2 — Formal Complaint: If the initial response does not resolve the matter to your satisfaction, you may submit a formal written complaint requesting escalation to our senior disputes team.
3. Step 3 — External Review: Where a dispute remains unresolved following exhaustion of our internal process, you may seek independent review through any applicable dispute resolution body as specified in your jurisdiction.

Disputes must be raised within sixty (60) days of the event giving rise to the complaint. mycard99 will not consider disputes raised outside this timeframe except where prohibited by applicable law.

15 Governing Law

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter or formation, shall be governed by and construed in accordance with internationally recognised principles applicable to online gaming and e-commerce service agreements. The Platform is operated in accordance with applicable international online gaming regulatory standards.

Players are responsible for ensuring that their use of mycard99 complies with all laws and regulations applicable in their own jurisdiction. mycard99 makes no representation that the Platform or its content is appropriate or lawful for use in all locations.

16 Contact Us

If you have any questions, concerns, or requests relating to these Terms and Conditions, or if you wish to raise a formal complaint, you may contact the mycard99 support team through the following channels:

When contacting support regarding a dispute or Account matter, please have your Account username, registered email address, and a clear description of your query ready to facilitate a prompt resolution.