Terms & Conditions

1 Introduction

These Terms and Conditions ("Agreement", "Terms") constitute a legally binding contract between you ("Player", "User", "you") and ikfcu ("ikfcu", "we", "us", "our"), the operator of the online gaming platform accessible at https://ikfcu.cam ("Platform", "Website"). This Agreement governs your use of all services, products, games, promotions, and features made available through the Platform.

By creating an account, accessing the Platform, making a deposit, claiming a bonus, or participating in any betting or gaming activity on the Platform, you confirm that you have read, understood, and unconditionally accepted these Terms in their entirety. If you do not agree with any provision of these Terms, you must not register an account or use the Platform.

ikfcu reserves the right to update, modify, or replace these Terms at any time. Continued use of the Platform following the publication of any amendments constitutes acceptance of the revised Terms. Players are encouraged to review this page periodically.

2 Definitions

For the purposes of this Agreement, the following terms shall have the meanings ascribed to them below:

• "Account" means the registered player account created on the Platform by an individual User.
• "Balance" means the total available funds in a Player's Account, including both real-money funds and any applicable bonus credits.
• "Bonus" means any promotional credit, free bet, cashback, or incentive offered by ikfcu subject to applicable wagering requirements and bonus terms.
• "KYC" means Know Your Customer — the identity and age verification process required before certain account activities (including withdrawals) may be completed.
• "Platform" means the website, mobile interface, and all associated services operated by ikfcu at https://ikfcu.cam.
• "Real Money Funds" means the Player's deposited funds, net of any bonus credits, that are held in the Account.
• "Services" means all gaming, betting, casino, sportsbook, live dealer, and related services offered through the Platform.
• "Wagering Requirement" means the number of times a Bonus amount must be wagered before associated winings may be withdrawn.
• "MYR" or "RM" means Malaysian Ringgit, the currency in which the majority of transactions on the Platform are conducted.

3 Account Eligibility

To register and maintain an Account on the ikfcu Platform, you must satisfy all of the following eligibility requirements at the time of registration and at all times during your continued use of the Platform:

1. You must be a natural person of at least 21 years of age. ikfcu strictly enforces a 21+ age policy in accordance with internationally recognised responsible gambling standards. Persons under the age of 21 are prohibited from registering, depositing, or engaging in any gambling activity on the Platform.
2. You must be legally permitted to participate in online gambling activities under the laws and regulations applicable in your country, state, or jurisdiction of residence.
3. You must not be a resident of any jurisdiction in which access to or participation in online gambling services is prohibited by applicable law.
4. You must have full legal capacity to enter into a binding agreement under the laws of your jurisdiction.
5. You must not be registered on any self-exclusion list administered by ikfcu or any other gambling regulatory body to which ikfcu is subject.
6. You must not be an employee, director, officer, or close associate of ikfcu or any of its affiliated entities, service providers, or software suppliers.
7. You must provide accurate, current, and complete registration information. Provision of false information constitutes a material breach of this Agreement.

4 Account Registration & Management

Each individual is permitted to hold onlyone (1) registered Account on the Platform. The creation of multiple accounts by the same individual ("multi-accounting") is strictly prohibited and may result in immediate account closure and forfeiture of all balances.

You are solely responsible for maintaining the confidentiality of your Account login credentials, including your username, password, and any two-factor authentication details. You must not share your login credentials with any third party. ikfcu shall not be liable for any loss or damage arising from unauthorised access to your Account that results from your failure to maintain credential security.

If you suspect that your Account has been accessed without authorisation, you must notify our support team immediately via live chat or email at [email protected].

KYC Verification: ikfcu is required to verify the identity of all players before processing withdrawals and in accordance with our anti-money laundering (AML) obligations. You will be required to provide, at minimum: a valid government-issued photo identification (Malaysian MyKad, Passport, or Driver's Licence), proof of address (a utility bill or bank statement dated within 3 months), and a selfie holding your identification document. Failure to complete KYC verification may result in restrictions on Account functionality including the inability to withdraw funds.

5 Deposits & Payments

ikfcu accepts deposits through a range of payment methods tailored for Malaysian players, including but not limited to: Touch'n Go eWallet, Boost, GrabPay, Maybank, CIMB, Public Bank, Hong Leong Bank, DuitNow, FPX, and cryptocurrency (Bitcoin/BTC, Ethereum/ETH, Tether/USDT, Litecoin/LTC). The minimum deposit amount varies by payment method, starting fromRM 30 for most e-wallets and cryptocurrency, and RM 50 for bank transfers.

All deposits must be made from payment accounts registered in the same name as your ikfcu Account. Deposits made from third-party accounts are strictly prohibited and may be flaged for investigation. ikfcu reserves the right to decline any deposit or return funds to the originating source where verification cannot be completed.

Deposits are credited to your Account balance in real time upon successful processing. ikfcu does not charge internal processing fees on deposits; however, third-party payment providers may impose their own transaction fees, for which ikfcu accepts no responsibility.

6 Withdrawals

Players may request withdrawals of Real Money Funds at any time, subject to the following conditions being met:

• The Account must be fully KYC-verified prior to the first withdrawal request.
• Any applicable Wagering Requirements on active Bonuses must be satisfied in full before Bonus-linked funds may be withdrawn.
• The requested withdrawal amount must not exceed the Player's applicable daily or monthly withdrawal limit, as determined by their VIP tier.
• The Account must be in good standing with no outstanding compliance queries or suspicious activity flags.
• Withdrawals must be directed to a payment method registered in the same name as the ikfcu Account.

ikfcu endeavours to process withdrawal requests within the following indicative timeframes: e-wallet withdrawals (Touch 'n Go, Boost, GrabPay) — typically under 5 minutes; DuitNow/FPX bank transfers — typically 5 to 15 minutes; direct bank wire — typically 15 to 60 minutes. These timeframes are indicative and not guaranteed; processing may take longer during peak periods, public holidays, or where additional verification is required.

ikfcu reserves the right to delay or withold withdrawal processing where fraud, money laundering, or breach of these Terms is suspected, pending the completion of an internal investigation.

7 Bonuses & Promotions

All bonuses, promotions, free bets, cashback offers, and other incentives provided by ikfcu are subject to the specific bonus terms applicable to each promotion, in addition to these General Terms. In the event of any conflict between specific bonus terms and these General Terms, the specific bonus terms shall prevail.

General bonus conditions that apply to all promotions unless otherwise stated:

• Only one (1) welcome bonus is available per player, per household, per IP address, and per payment method.
• Bonuses must be claimed within the stated eligibility window following a qualifying deposit.
• Wagering requirements must be completed within the specified validity period (typically 7 to 14 days, as stated per promotion). Uncompleted wagering requirements result in the forfeiture of the Bonus and any associated winnings.
• ikfcu reserves the right to cancel or modify any promotion at any time without prior notice.
• Bonuses obtained through fraudulent means, including the use of multiple accounts or false registration information, will be voided and the relevant Account may be closed.
• Bonuses are subject to a maximum cashout limit as specified in individual promotion terms unless otherwise stated.

8 Betting Rules & Game Terms

All bets placed on the Platform are subject to the specific rules applicable to the relevant product category (sports betting, live casino, slots, etc.), which are published separately and are incorporated by reference into this Agreement.

Sports Betting: ikfcu offers betting markets on a wide range of sporting events including Liga Super Malaysia, English Premier League (EPL), UEFA Champions League, UFC, and other international events. All sports betting is subject to standard pre-match and in-play rules. Bets on markets that are void, abandoned, or declared incomplete will be settled as void and stakes returned.

Casino Games: All casino games, including but not limited to live dealer baccarat, roulette, blackjack, and slot machines, use certified Random Number Generator (RNG) technology or real-time video streaming with live dealers. ikfcu does not manipulate game outcomes. Published RTP (Return to Player) figures are theoretical long-term averages and do not guarantee individual session outcomes.

In the event of a technical malfunction, disconnection, or systems error that affects the outcome of a game or bet, ikfcu reserves the right to void the affected round and return the Player's stake. ikfcu accepts no liability for losses arising from technical failures outside its reasonable control.

9 Prohibited Activities

The following activities are strictly prohibited on the Platform and constitute a material breach of this Agreement:

• Registering more than one Account (multi-accounting).
• Providing false, misleading, or fraudulent registration or KYC information.
• Using the Platform for any money laundering, fraud, or other criminal activity.
• Using automated betting systems, bots, scripts, or any software designed to gain an unfair advantage.
• Exploiting software errors, bugs, or pricing errors to place advantageous bets.
• Coluding with other players in any multi-player game or tournament.
• Using third-party payment accounts or payment accounts not registered in your own name.
• Accessing the Platform from a jurisdiction where online gambling is prohibited by law without disclosure.
• Attempting to reverse-engineer, copy, or otherwise replicate the Platform's software, data feeds, or intellectual property.
• Engaging in behaviour that harasses, intimidates, or abuses ikfcu staff or other players.

Where any of the above prohibited activities are identified or reasonably suspected, ikfcu reserves the right to immediately suspend or terminate the relevant Account, withold or forfeit all funds pending investigation, and refer the matter to law enforcement authorities where applicable.

10 Responsible Gambling

ikfcu is committed to providing a safe gambling environment. We enforce a strict minimum age requirement of 21 years and maintain a comprehensive suite of responsible gambling tools accessible through your Account settings, including:

• Deposit Limits: Set daily, weekly, or monthly deposit caps to control your spending.
• Loss Limits: Define maximum loss thresholds over a chosen period.
• Session Time Reminders: Receive notifications after defined periods of continuous play.
• Cool-Off Periods: Take a temporary break from the Platform (24 hours to 6 weeks).
• Self-Exclusion: Permanently or temporarily exclude yourself from the Platform. Self-exclusion requests are processed immediately and may be permanent upon request.

Players experiencing difficulties with gambling are encouraged to seek assistance. ikfcu supports the work of responsible gambling organisations and recommends that players in distress contact appropriate support services. For more information, please visit our Responsible Gambling page.

11 Intellectual Property

All content on the Platform — including but not limited to text, graphics, logos, icons, images, audio clips, video, software, data compilations, and the underlying source code — is the property of ikfcu or its licensors and is protected by applicable intellectual property laws. Unauthorised reproduction, distribution, or modification of any Platform content is strictly prohibited.

Nothing in these Terms grants you any rights in respect of any intellectual property owned by or licensed to ikfcu, except the limited right to access and use the Platform in accordance with these Terms.

12 Limitation of Liability

To the fullest extent permitted by applicable law, ikfcu shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, arising out of or in connection with your use of the Platform.

ikfcu's total aggregate liability to you in connection with this Agreement, whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise, shall not exceed the total amount of Real Money Funds held in your Account at the time the relevant claim arose.

The Platform is provided on an "as is" and "as available" basis. ikfcu makes no representations or warranties of any kind, express or implied, regarding the availability, accuracy, or reliability of the Platform or its content.

13 Account Suspension & Termination

ikfcu reserves the right, at its sole discretion, to suspend, restrict, or permanently close any Account at any time, including but not limited to the following circumstances:

• Breach of any provision of these Terms.
• Failure to complete KYC verification within the required timeframe.
• Suspected fraudulent activity, money laundering, or collusion.
• Receipt of a chargeback or reversal of a deposited payment.
• Identification that the Player does not meet the Account Eligibility requirements.
• Compliance with any legal, regulatory, or governmental requirement.

You may close your Account at any time by contacting our support team. Upon closure of an Account in good standing, any verified Real Money Funds balance will be returned to you via your registered payment method, subject to completion of KYC verification where not already completed.

14 Governing Law & Disputes

This Agreement shall be governed by and construed in accordance with applicable international gaming laws and the laws of the jurisdiction in which ikfcu holds its operating licence. Any dispute arising out of or in connection with this Agreement that cannot be resolved informally through our customer support process shall be subject to binding arbitration in accordance with the rules of the relevant licensing jurisdiction.

Players are encouraged to resolve disputes in the first instance by contacting our 24/7 support team via live chat or email. ikfcu endeavours to respond to formal dispute submissions within five (5) business days.

Nothing in this clause shall restrict either party's right to seek injunctive or other equitable relief from a court of competent jurisdiction where necessary to prevent irreparable harm.

15 Amendments to These Terms

ikfcu reserves the right to amend, update, or replace these Terms at any time. Where material changes are made, ikfcu will endeavour to provide reasonable notice via in-platform notification, email, or publication of an updated effective date on this page.

Your continued use of the Platform following the publication of amended Terms constitutes your acceptance of the revised Agreement. If you do not accept the amended Terms, you should cease using the Platform and contact support to close your Account.

ikfcu recommends that Players review this page regularly to remain informed of the current Terms.

16 Contact Us

If you have any questions, concerns, or formal requests relating to these Terms and Conditions, please contact our support team through the following channels:

• Live Chat: Available 24/7 directly on the Platform — fastest way to reach us.
• Email: [email protected] (plain text — not a clickable link)
• Responsible Gambling Enquiries: Visit our Responsible Gambling page for self-exclusion requests and support resources.

Our support team is available around the clock to assist players across Kuala Lumpur, Penang, Johor Bahru, Petaling Jaya, Shah Alam, and throughout Malaysia. Average live chat response time is under 2 minutes.