Terms and Conditions frekredit — A Complete Guide to Using the Malaysia Platform

1 General Terms

These Terms and Conditions ("Agreement") are between you ("User") and frekredit ("Platform", "We"). This Agreement governs your access to and use of the website, mobile application, and all services provided by frekredit to users in Malaysia.

Frekredit reserves the right to update, modify, or improve these terms at any time without prior notice. You are responsible for reviewing this page periodically. Continued use of the platform following any changes constitutes acceptance of the updated terms.

This document is to be read together with Privacy Policy and Responsible Gaming Policy frekredit, which also forms part of the overall agreement between you and the platform.

2 Eligibility & Registration

To register and use the frekredit platform, you must meet the following requirements:

• Be at least 18 years of age at the time of registration.
• Be a Malaysian citizen or permanent resident with a valid Malaysian phone number.
• Never previously banned or blocked from using frekredit's services.
• Register for personal use only — not on behalf of third parties or at the direction of others.
• Not appearing on any self-exclusion list or gambling prohibition list of any relevant authority.

Frekredit reserves the right to request identity verification (KYC) at any time, including identification documents, proof of address, and any other relevant information. Failure to provide the requested documents within the specified timeframe may result in a temporary account suspension.

3 User Account

You are solely responsible for maintaining the confidentiality of your frekredit username and password. All activity occurring under your account is your responsibility, whether carried out by you or by any party who gains access due to your negligence.

Frekredit recommends that you enable two-factor authentication (2FA) through your account security settings. If you suspect your account has been accessed without authorisation, please contact the frekredit support team immediately via Live Chat, available 24 hours a day.

• Account information must be accurate, up to date, and reflect your true identity.
• Sharing your account with any other individual is strictly prohibited.
• Balance transfers between different user accounts are not permitted.
• Accounts inactive for more than 12 months may be subject to administrative fees.

4 Deposit & Payment

All deposits into a frekredit account must be made using a supported payment method and in the name of the same registered user. frekredit accepts a variety of payment methods including FPX, DuitNow, Touch 'n Go eWallet, GrabPay, Boost, and ShopeePay.

Deposits made via unauthorised methods, third-party accounts, or disputed funding sources will be held for review and may be returned to the original source after deduction of applicable administrative costs.

• The minimum deposit amount is RM10 for the majority of payment methods.
• Frekredit does not charge any processing fees for deposits.
• All deposits are processed in Malaysian Ringgit (MYR).
• Frekredit is not liable for delays caused by third-party payment providers.

5 Fund Withdrawal

Withdrawals from your frekredit account are subject to full identity verification and any rollover requirements tied to claimed bonuses. Withdrawals can only be made to an account registered under the same name as the user's frekredit account.

Withdrawal requests that meet all requirements will be processed within the stipulated timeframe based on the chosen method. Withdrawals may be delayed or reviewed if there is suspicious activity or signs of bonus system abuse.

• The minimum withdrawal amount is RM50 for most methods.
• Frekredit reserves the right to request additional verification before approving large withdrawal amounts.
• Withdrawals rejected by the payment provider will be credited back to the frekredit account within 1–3 business days.
• Any fees charged by third-party payment providers are the responsibility of the user.

6 Bonus & Promotions

All bonuses and promotions offered by frekredit are subject to specific conditions including rollover requirements, minimum bet limits while a bonus is active, and bonus validity periods. Detailed terms for each bonus are stated on the respective promotions page.

Frekredit reserves the right to cancel or modify the terms of any bonus at any time. Attempts to abuse the bonus system — including registering multiple accounts to claim new bonuses, bonus exploitation, or cross-account coordination — will result in all bonuses being voided and potential account closure.

7 Wagering Rules

All bets placed on frekredit are final once confirmed. Bets cannot be cancelled except through the Cash Out feature available on selected markets. frekredit reserves the right to void or adjust bets in the event of a technical error, incorrect odds being offered, or detectable fraud.

Frekredit uses fraud detection software to identify unusual betting patterns. Bets suspected of being linked to match-fixing, hedging, or system exploitation will be reviewed and may be voided.

• Match results verified by sports data providers are final.
• Bets on postponed or cancelled fixtures will be fully refunded.
• Frekredit reserves the right to limit the wagering of certain users without providing a reason.
• Betting using insider information or information not available to the public is prohibited.

8 User Conduct

Frekredit users are required to interact with the platform and fellow users in a respectful, honest, and responsible manner. Any behaviour that damages another user's experience or the integrity of the platform will not be tolerated.

• The use of automated software, bots, or any unauthorised tools to access the platform is strictly prohibited.
• Attempting to hack, disrupt, or attack frekredit's systems is a serious offence that may result in legal action.
• Communications containing threats, offensive language, or inappropriate content directed at the support team will not be entertained.
• Users are not permitted to trade, sell, or transfer their account to any other party.
• Using the platform for money laundering purposes is strictly prohibited and will be reported to the relevant authorities.

9 Security & Privacy

Frekredit takes the protection of all users' personal data seriously. All information collected during the registration process and use of the platform is managed in accordance with frekredit Privacy Policy in detail.

All communications between your device and frekredit's servers are protected with 256-bit SSL encryption. Your payment information is processed through a PCI-DSS certified payment gateway and is not stored directly on frekredit's servers.

You agree not to share, sell, or transfer your account information to any party. frekredit will never request your password via email, SMS, or Live Chat under any circumstances.

10 Account Suspension & Closure

Frekredit reserves the right to suspend or close a user's account without prior notice in the event of a terms violation, suspected fraud, or any activity that compromises the integrity of the platform or other users.

• Account closure due to a breach of terms may result in the forfeiture of any bonus-related balance.
• Net balances unrelated to bonuses will be returned once the investigation is complete and no fraud is found.
• Users may request to close their own account at any time through account settings or by contacting customer support.
• Self-exclusion requests will be processed within 24 hours and cannot be reversed for the specified duration.

11 Responsible Gaming

Frekredit is committed to promoting responsible gaming. We provide a range of self-control tools accessible directly from the user account, including daily deposit limits, weekly loss limits, temporary account pause options, and long-term self-exclusion.

Users who need assistance with gambling-related issues are encouraged to reach out to relevant support organisations in Malaysia. Further information is available on the Responsible Gaming frekredit.

• The frekredit platform is strictly for users aged 18 and above.
• Users may set their own personal limits at any time through account settings.
• Decreased limits take effect immediately; increased limits are subject to a 24-hour waiting period.

12 Limitation of Liability

Frekredit is not liable for any indirect, incidental, or consequential losses arising from the use of the platform, including but not limited to financial losses resulting from betting outcomes, service disruptions, or technical failures beyond frekredit's control.

Frekredit strives to keep the platform running smoothly 24 hours a day, but cannot guarantee complete freedom from technical disruptions, scheduled maintenance, or unforeseen events. In such situations, frekredit will work to minimise downtime and notify users promptly.

13 Terms Amendment

Frekredit reserves the right to amend, add to, or remove any part of these Terms and Conditions at any time. Any significant changes will be communicated to users via in-app notifications or their registered email address.

The last updated date is shown at the top of this page. Continued use of the platform following any amendment constitutes your acceptance of the updated terms. If you do not agree with the changes, you have the right to close your account and withdraw any remaining balance.

14 Contact Us

If you have any questions regarding frekredit's Terms & Conditions, you may reach our team via:

• Live Chat in the frekredit app or website — available 24/7
• Support email: [email protected] (not clickable — copy manually)
• Section FAQ containing answers to frequently asked questions

The frekredit support team is committed to responding within a reasonable timeframe and resolving every inquiry thoroughly and fairly. For formal complaints, please provide your account number and relevant details to expedite the process.