stm88 Terms of Use

We at stm88 operate a gaming and sportsbook platform accessible via Android app, iOS browser, and desktop. These terms outline the conditions under which you may use our services, including account registration, deposits and withdrawals, game rules, dispute resolution, and jurisdiction restrictions. By accessing stm88, you agree to these terms in full.

Our platform hosts live-dealer tables (blackjack, roulette, baccarat, Dragon Tiger), sportsbook markets (Liga 1, Piala AFF, Champions League, Premier League, MotoGP, esports), and slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways). We process deposits and withdrawals through Indonesian payment methods: DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, and bank transfer (mobile banking, local payment, online payment, e-wallet). All services are available only where applicable law permits.

This document sets out our account policies, settlement rules, bonus terms, and user responsibilities. If you have questions about these terms, contact our support team via in-app chat or email.

Account Registration and Access on stm88

To use stm88, you must create an account by providing your email address, phone number, and setting a password. We require your full legal name, date of birth, and national ID number during registration. You are responsible for keeping your password confidential and for all activity on your account. If you believe your account has been compromised, contact us immediately.

We verify account eligibility based on your jurisdiction and age. Services on stm88 are available only where local law permits. You certify that you are of legal age in your jurisdiction and that your use complies with all applicable laws. We do not knowingly service jurisdictions where online wagering is prohibited.

Your account on stm88 is personal and non-transferable. You may not share your account credentials with others or allow another person to use your account. We reserve the right to suspend or terminate your account if we detect fraud, abuse, or breach of these terms.

Deposits and Withdrawals on stm88

We accept deposits via DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, and bank transfer (mobile banking, local payment, online payment, e-wallet). Minimum deposit is our welcome offer. Deposits typically process within minutes for mobile wallets and instant for mobile banking. Bank transfers may take several hours during business hours or the next business day outside office hours.

Withdrawals use the same payment methods you have linked to your stm88 account. Minimum withdrawal is our welcome offer. We process withdrawals subject to account verification (KYC) requirements. New accounts may have temporary daily limits (e.g., our welcome offer) until verification completes. Once your identity and address documents are approved, standard limits apply.

All withdrawal requests go through a standard review queue to prevent fraud and money laundering. Withdrawals typically process within a few hours for mobile wallets and one business day for bank transfers. We do not charge withdrawal fees; any fees are imposed by your payment provider.

Game Rules and Settlement on stm88

Each game category on stm88 (live-dealer, sportsbook, slots) has specific rules governing play and settlement. Live-dealer outcomes are final once the hand or spin concludes and is recorded. Sportsbook wagers settle according to official results published by the relevant sports authority. Slot games are RNG-driven (random number generator) and settle instantly.

Disputes regarding settlement must be raised within 7 days of the event. We review game recordings, transaction logs, and official results to resolve disputes. If we identify a settlement error on our part, we issue a manual correction. If your dispute falls outside the 7-day window or lacks supporting evidence, we close it without further review.

We maintain detailed records of all bets, outcomes, and account activity. These records are retained for 12 months and are available for dispute resolution. Our support team can pull game recordings, hand histories, or transaction details upon request.

Bonus Terms and Wagering on stm88

We occasionally offer promotional bonuses to new or existing users. Any bonus comes with specific terms: a wagering requirement (e.g., "play the bonus amount N times before withdrawal"), game restrictions (certain games may not count toward wagering), and an expiry date. These terms are displayed clearly when you claim a bonus.

Bonuses are non-transferable and apply only to the account to which they are credited. If you use a bonus and then request a withdrawal before completing the wagering requirement, your bonus is forfeited and only your original deposit (or net winnings, if applicable) is withdrawn.

We reserve the right to void any bonus if we detect abuse or fraud. Examples include: placing bets on both sides of a market simultaneously to lock in the bonus, using multiple accounts to claim duplicate bonuses, or colluding with other users. If abuse is detected, we may forfeit the bonus and your related winnings.

1. Create your stm88 account

   Provide email, phone, password, and national ID number. Account creation is instant.

2. Deposit via local payment, online payment, e-wallet, mobile banking, or bank transfer

   Funds appear in your balance within minutes (wallets) or hours (bank).

3. Upload ID and address proof for KYC verification

   Verification completes within 1-2 hours during business hours. Withdrawal limits lift once approved.

4. Withdraw your balance anytime after KYC approval

   Request returns to your registered payment method within standard processing windows.

User Responsibilities and Conduct

You are responsible for your account activity. You agree to use stm88 only for lawful purposes and in compliance with these terms. Prohibited conduct includes: using automated tools (bots, scrapers) to access our platform; attempting to gain unauthorized access to our systems; engaging in fraud or money laundering; placing bets on behalf of others; and any form of harassment or abuse toward our staff or other users.

We monitor accounts for suspicious patterns and reserve the right to investigate, limit, or terminate accounts that breach these terms or pose a risk to our operations. If we detect fraud or abuse, we may forfeit your balance and report the incident to relevant authorities.

You acknowledge that gambling involves risk and that outcomes on stm88 (live-dealer games, sportsbook, slots) are subject to standard house advantages and volatility. Past results do not guarantee future outcomes.

Data Protection and Privacy

We collect and store your personal data (name, phone, email, national ID) to operate your account, process payments, and comply with KYC regulations. Your data is encrypted during transmission and storage using industry-standard TLS 1.2. We do not sell your data to third parties. Our data retention policy retains account records for 12 months after closure to support dispute resolution and compliance audits.

You have the right to request access to your personal data or to request deletion (subject to regulatory holds). Contact our support team or refer to our Privacy Policy for details.

stm88 operates transparently. Your account, deposits, and withdrawals are protected by encryption. Disputes are resolved fairly based on recorded evidence.

Dispute Resolution and Liability

If you dispute a transaction, settlement, or account issue, contact our support team within 7 days. Provide as much detail as possible: transaction ID, game recording timestamp, or bet slip reference. We investigate using our internal records and, where applicable, third-party sources (e.g., official sports results).

Our support team will respond within one business hour during business hours (08:00–22:00 Jakarta time, daily). We aim to resolve disputes definitively. If evidence is inconclusive or a dispute falls outside our review window, we notify you of our decision and the reasoning.

For disputes that cannot be resolved internally, we may refer the matter to a neutral third party or arbitration process as permitted by your jurisdiction. You agree to submit disputes to the processes outlined in this policy rather than pursuing litigation directly.

Jurisdiction and Legal Notice

Our services on stm88 are available only where applicable law permits. We do not actively market or operate in jurisdictions where online wagering is prohibited. If you access stm88 from a restricted jurisdiction, you do so at your own risk, and we assume no liability for regulatory consequences.

These terms are governed by the laws of our operational jurisdiction (details available upon request). By using stm88, you consent to the jurisdiction and venue specified in these terms for any legal proceedings.

We may update these terms at any time. Changes are effective immediately upon posting on this page. Your continued use of stm88 after an update constitutes acceptance of the new terms. If you do not agree with any change, you may request account closure.

Account Closure and Termination

You may request account closure anytime by contacting our support team. Upon closure, we transfer any remaining balance to your registered payment method (within standard processing windows), then mark your account as closed. A closed account cannot be reactivated; creating a new account requires a fresh registration.

We may terminate your account if you breach these terms, engage in fraud, or pose a risk to our operations. Termination may result in forfeiture of your balance. We will notify you of termination and provide a reason where legally permissible.

Contact and Support

For questions about these terms, account issues, or disputes, contact our support team:

• In-app chat: available 08:00–22:00 Jakarta time daily
• Email: support address available in your account settings
• Response time: typically under 1 hour during business hours

We serve users across Jakarta, Surabaya, Bandung, Medan, and Semarang with localized support in English and Indonesian. Payment processing is handled by our licensed payment partners supporting DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, and bank transfer.

By creating an account on stm88, you acknowledge that you have read, understood, and agree to be bound by these terms. We operate in compliance with applicable law where we are licensed to do so. Services are available only where local law permits. If you have any questions about our terms or operations, reach out to our support team for clarification.