These Terms & Conditions govern your use of the zipo99 platform, including all betting, gaming, and banking services. By accessing or using any zipo99 product, you agree to be bound by these terms in full. Please read them carefully before registering or placing any wager.
In these Terms & Conditions, the following terms shall have the meanings ascribed to them below unless the context clearly indicates otherwise:
| Term | Meaning |
|---|---|
| "Platform" | The zipo99 website, mobile browser interface, and all associated services accessible at zipo99.pro. |
| "Member" / "User" | Any individual who has registered a zipo99 account and is at least 21 years of age. |
| "Account" | The personal betting account opened by a Member on the zipo99 Platform. |
| "Balance" | The total sum of IDR (Indonesian Rupiah) funds held in a Member's Account at any given time, comprising deposited funds and any credited bonus amounts. |
| "Bet" / "Wager" | Any real-money stake placed on a sportsbook market, casino game, slot, togel (Indonesia's traditional numbers lottery) draw, or any other wagering product available on the Platform. |
| "Bonus Funds" | Non-withdrawable promotional credits awarded by zipo99 subject to wagering requirements as specified in the applicable promotion's terms. |
| "KYC" | Know Your Customer — the identity verification process zipo99 conducts to confirm a Member's identity, age, and payment method ownership before processing withdrawals. |
| "Wagering Requirement" | The number of times a Bonus amount must be wagered on eligible games before it or any associated winnings may be withdrawn. |
| "IDR" | Indonesian Rupiah — the sole currency accepted on the zipo99 Platform for deposits, withdrawals, and account balances. |
| "Prohibited Jurisdiction" | Any country or territory from which zipo99 does not accept registrations or wagers, as determined by zipo99 at its sole discretion. |
The zipo99 Platform is strictly available to individuals who are 21 years of age or older. By registering an account, you represent and warrant that you meet this minimum age requirement. zipo99 reserves the right to request proof of age at any time and to suspend or permanently close any account where the age requirement cannot be verified. Any winnings accrued on an account found to belong to a person under the age of 21 will be voided and forfeited without exception.
The zipo99 Platform is designed and operated for the Indonesia market. You must be physically located in Indonesia at the time of registration and when placing wagers. zipo99 does not knowingly accept members from jurisdictions where online betting is explicitly prohibited under local law. It is your sole responsibility to ensure that your use of the Platform is lawful in your jurisdiction before registering or depositing.
By accepting these Terms & Conditions, you confirm that you have full legal capacity to enter into a binding agreement, that you are not acting on behalf of another person, and that you are not a professional sports player, referee, official, or other individual to whom betting restrictions may apply under applicable sporting regulations.
Each Member is permitted to hold one (1) Account only. Registering multiple accounts — whether under the same name, different names, shared devices, or shared payment methods — is strictly prohibited and constitutes grounds for immediate account closure and forfeiture of all balances. If you have forgotten your login credentials, use the account recovery function rather than creating a new account.
To use the zipo99 Platform, you must complete the registration process by providing accurate, complete, and current information including your full legal name, date of birth, residential address, email address, and a valid Indonesian mobile phone number. Providing false or misleading information during registration is a material breach of these Terms & Conditions.
You are solely responsible for maintaining the confidentiality of your username and password. You must not share your login credentials with any third party. zipo99 will not be liable for any loss or damage arising from unauthorised access to your Account where such access results from your failure to keep your credentials secure. You must notify zipo99 immediately at [email protected] if you suspect any unauthorised use of your Account.
zipo99 is committed to operating a safe and transparent platform. As part of our KYC process, Members may be required to submit one or more of the following documents:
Failure to complete KYC within 14 days of a verification request will result in suspension of withdrawal privileges until verification is complete. zipo99 reserves the right to withhold pending withdrawals during the KYC review period.
You must keep your registered information up to date. If any of your details change — including your email address, phone number, or bank account — you must update them promptly by contacting customer support. zipo99 cannot be held responsible for failed communications or payment processing errors resulting from outdated account information.
zipo99 accepts deposits and processes withdrawals exclusively in Indonesian Rupiah (IDR) via the following channels:
zipo99 does not accept cash payments, cryptocurrency transfers, or third-party payment processors. All deposits must originate from a payment method registered in the Member's own name. Third-party deposits are strictly prohibited.
The minimum deposit amount is Rp 10.000. Maximum deposit and withdrawal limits are determined by account tier, payment method, and any applicable promotional conditions. zipo99 reserves the right to adjust limits at its discretion with reasonable notice to affected Members.
Withdrawal requests submitted by verified Members are processed within 15 minutes under normal operating conditions for bank transfer payouts. E-wallet withdrawals via OVO, DANA, and GoPay are typically settled within 60 seconds of approval. Processing times may be extended during periods of high transaction volume, national bank holidays, or when additional security or KYC verification is required. zipo99 is not responsible for delays caused by the receiving bank or e-wallet provider after funds have been dispatched.
The following conditions apply to all withdrawal requests:
An Account that has had no login activity for a continuous period of 12 months will be classified as dormant. A dormant account maintenance fee of Rp 50.000 per month may be applied to dormant account balances to cover administrative costs. zipo99 will make reasonable efforts to contact the Member via their registered email prior to applying dormancy fees. Members may reactivate a dormant account at any time by logging in and contacting customer support.
zipo99 offers a range of bonuses and promotional offers to eligible Members. All bonuses are subject to the specific terms stated in the applicable promotion, as well as the general bonus terms set out in this clause. In the event of any conflict between promotion-specific terms and these general terms, the promotion-specific terms shall prevail.
Unless stated otherwise in the promotion terms, all Bonus Funds are subject to a minimum wagering requirement before conversion to withdrawable cash. Wagering requirements are calculated on the total Bonus Funds credited, not on the deposit amount. Only wagers placed on eligible games count towards wagering requirements; certain game categories (including but not limited to certain live dealer tables, progressive jackpot slots, and togel draws) may contribute at a reduced rate or not at all, as specified per promotion.
zipo99 operates a zero-tolerance policy on bonus abuse. Activities that constitute bonus abuse include, but are not limited to: opening multiple accounts to claim the same promotion, exploiting promotional terms through low-risk hedging strategies, using automated betting tools, and colluding with other Members to satisfy wagering requirements. Members found to have engaged in bonus abuse will have their Bonus Funds and any associated winnings voided and may have their accounts permanently closed.
Bonus Funds that are not wagered within the validity period specified in the relevant promotion will expire automatically and be removed from the Member's Balance without notice or compensation.
All sportsbook bets are subject to the specific rules applicable to the relevant sport and market type. zipo99 offers Asian handicap, 1X2, over/under, correct score, and mix parlay (multi-leg accumulator) markets, among others. Mix parlay bets require all selections to be correct for a payout; a void selection will reduce the accumulator accordingly. Voor bola (Indonesian handicap-style) markets are settled according to the handicap lines published at the time the bet is accepted. In the event of a disputed settlement, zipo99's decision is final.
Live casino games are provided by Evolution Gaming. Results are determined by the respective game's rules as administered by the live dealer or the random number generator (RNG) where applicable. In the event of a disconnection during a live game, any bet already confirmed by the server before the disconnection will be settled normally. zipo99 is not responsible for internet connectivity issues on the Member's end.
All slot and RNG-based games are provided by certified third-party studios including Pragmatic Play, NetEnt, Microgaming, Spribe, and Pocket Games Soft. Games are tested and certified for fairness by independent testing bodies. Return-to-Player (RTP) percentages for individual games are available on request. zipo99 does not manipulate RNG outcomes.
zipo99 reserves the right to void any bet placed in error, based on incorrect odds caused by a technical malfunction, or where there is clear evidence of fraud or market manipulation. Members will be notified and their stakes refunded promptly in the event a bet is voided.
The following activities are strictly prohibited on the zipo99 Platform. Engaging in any prohibited conduct may result in immediate account suspension, permanent closure, forfeiture of balance, and referral to relevant authorities where applicable:
All content on the zipo99 Platform — including but not limited to the zipo99 brand name, logo, graphic design, written content, software, game interfaces, data feeds, and odds — is the exclusive intellectual property of zipo99 or its licensed content partners and is protected under applicable intellectual property law. You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform for personal entertainment purposes only. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any part of the Platform without the prior written consent of zipo99.
zipo99's collection, use, and protection of your personal data is governed by our Privacy Policy, which forms part of these Terms & Conditions by reference. By registering an Account, you consent to the collection and processing of your personal data as described in the Privacy Policy. zipo99 employs 256-bit SSL encryption on all data transmitted between your browser and our servers. We do not sell, rent, or share your personal data with third parties for marketing purposes without your explicit consent.
To the fullest extent permitted by applicable law, zipo99 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Platform. This includes but is not limited to loss of profits, loss of data, loss of goodwill, or business interruption.
zipo99's total aggregate liability to any Member in connection with these Terms & Conditions shall not exceed the total amount deposited by that Member into their Account during the 30-day period immediately preceding the event giving rise to the claim.
zipo99 does not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. You access and use the Platform entirely at your own risk. zipo99 is not liable for losses resulting from events outside its reasonable control, including but not limited to acts of God, government actions, internet service outages, banking system failures, or natural disasters.
zipo99 reserves the right to suspend, restrict, or permanently terminate any Member's Account at any time and without prior notice if we reasonably determine that the Member has breached these Terms & Conditions, engaged in fraudulent or abusive conduct, or poses a risk to the integrity of the Platform or other Members. In such cases, zipo99 may withhold the Account balance pending investigation and, where fraud or criminal conduct is established, forfeit the balance entirely.
You may close your Account at any time by contacting customer support at [email protected]. Upon receiving a closure request, zipo99 will process any outstanding verified withdrawal of your real-money balance within the standard processing timeframe. Bonus Funds that have not met the applicable Wagering Requirement at the time of closure will be forfeited.
Members who wish to take a break from betting for responsible gaming reasons may request a self-exclusion period through the zipo99 customer support team. Self-exclusion periods are available from 30 days to permanent exclusion. During a self-exclusion period, the Member's Account will be inaccessible, and zipo99 will take reasonable steps to prevent the creation of new accounts by the same individual. For more information, visit our Responsible Gaming page.
These Terms & Conditions and any dispute or claim arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with internationally recognised principles of commercial law. zipo99 operates the Platform as an internationally licensed online gaming service. Any disputes that cannot be resolved through our internal customer support process shall be submitted to binding arbitration under the rules of an internationally recognised arbitration body, conducted in English.
Nothing in this clause limits any mandatory rights you may have under the consumer protection laws applicable in your jurisdiction. If you are a resident of Indonesia, you acknowledge that the regulation of online gambling remains the subject of ongoing legislative developments and that you accept full personal responsibility for ensuring your use of the Platform complies with applicable local law.
zipo99 reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, zipo99 will notify registered Members via email to their registered address or via a notice displayed on the Platform upon login. The effective date of any updated Terms & Conditions will be clearly stated at the top of this page. Your continued use of the Platform following the effective date of any amendment constitutes your acceptance of the revised Terms & Conditions. If you do not agree to any amendment, you must cease using the Platform and close your Account before the effective date.
If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the zipo99 support team using the details below. Our Indonesian-speaking support agents are available 24 hours a day, seven days a week, covering WIB (UTC+7), WITA (UTC+8), and WIT (UTC+9).
For responsible gaming support, deposit limit requests, or self-exclusion enquiries, please reference "Responsible Gaming Request" in your subject line to ensure your message is directed to the appropriate team immediately.
A summary of the key protections zipo99 extends to every registered Member under these Terms & Conditions.
Verified Members receive bank transfer withdrawals within 15 minutes and e-wallet settlements in as little as 60 seconds — backed by our published processing commitment and compensation policy for missed timelines.
Every data exchange between your device and our servers is protected by industry-standard 256-bit SSL/TLS encryption. Your IDR balance, banking details, and personal information are never transmitted in plaintext.
Every zipo99 promotion states its wagering requirements, eligible games, validity period, and maximum withdrawal cap upfront — no hidden conditions buried in footnotes. If it is not written in the promotion terms, it does not apply.
Our KYC verification is straightforward: government ID, proof of address, and payment method confirmation. The process is handled securely, documents are reviewed within 24 hours, and approved Members face no withdrawal delays thereafter.
Deposit limits, session time-outs, reality checks, and self-exclusion are available to all Members at no cost. zipo99 enforces a strict 21+ policy and actively supports Members who request a break from betting.
Native Indonesian-speaking agents are on hand around the clock via live chat and email — covering WIB, WITA, and WIT time zones. Disputes, KYC queries, and bonus questions are handled by trained staff, not automated bots.
Now that you know your rights and obligations on zipo99, you are ready to enjoy Indonesia's most trusted English-language sportsbook and casino. Login to your account, explore the sportsbook, or browse our FAQ for any remaining questions. 21+ only. Play responsibly.
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