These Terms & Conditions govern all use of the stm88 platform and constitute a binding legal agreement between you and stm88. Please read them carefully before registering an account or placing any wager.
The following points summarise stm88's core commitments to every member. They do not replace the full Terms & Conditions below — please read all clauses in full.
You must be at least 21 years of age and a resident of Indonesia to hold a stm88 account. stm88 applies strict age-verification procedures and reserves the right to suspend any account found to be in breach of this requirement without prior notice.
All deposits and withdrawals on stm88 are processed in Indonesian Rupiah (IDR). Supported channels include BCA, BRI, BNI, Mandiri, CIMB Niaga, BSI, OVO, DANA, GoPay, ShopeePay, and LinkAja. No hidden conversion fees are applied to any transaction.
All promotional bonuses and free-bet offers issued by stm88 are subject to specific wagering requirements and validity periods detailed at the point of offer. Bonuses may not be withdrawn as cash until wagering conditions are fully met. Abuse of promotions will result in bonus forfeiture.
Each individual may hold only one stm88 account. Operating multiple accounts — whether personally or in connection with others — constitutes a material breach of these Terms and will result in immediate suspension of all associated accounts and forfeiture of outstanding balances.
All stm88 casino games, slot titles, and virtual sports products use independently certified Random Number Generator (RNG) technology. Published Return-to-Player (RTP) percentages are accurate and audited by the respective game provider. Any attempt to exploit game mechanics constitutes a breach of these Terms.
stm88 provides round-the-clock customer support in Indonesian. Our support team can be reached at [email protected] at any hour, including during Idul Fitri, Nyepi, and all Indonesian national holidays. Response time targets are set at under 30 minutes for email enquiries during standard operating conditions.
By accessing the stm88 platform, creating an account, or placing any wager, you confirm that you have read, understood, and unconditionally agree to be bound by these Terms & Conditions in their entirety. If you do not agree with any provision of these Terms, you must immediately cease using the stm88 platform.
In these Terms & Conditions, the following terms shall have the meanings assigned to them below unless the context expressly requires otherwise:
| Term | Definition |
|---|---|
| "stm88" / "the Platform" | The online gambling platform operated at https://stm88.bio, including all associated sub-pages, services, applications, and features made available to registered members. |
| "Member" / "You" | Any individual who has completed the stm88 account registration process and whose account has been approved, or any individual accessing the Platform prior to registration. |
| "Account" | The individual member account created upon successful registration, through which the member accesses Platform services, manages balances, and places wagers. |
| "Balance" | The total of real-money funds held in a member's account at any given time, expressed in Indonesian Rupiah (IDR), excluding bonus funds until wagering requirements are satisfied. |
| "Bonus Funds" | Any promotional credit, free bet, cashback, or other incentive awarded to a member that is subject to wagering or turnover requirements before conversion to withdrawable cash. |
| "Wager" / "Bet" | Any sum of real-money funds or bonus funds staked on a sporting event, casino game, virtual sports market, crash game, slot title, or togel (traditional numbers lottery) draw via the Platform. |
| "Prohibited Jurisdiction" | Any country or territory from which access to or use of the Platform is restricted or prohibited under applicable local law or by stm88's internal compliance policies. |
| "KYC" | Know Your Customer — the identity and address verification procedures that stm88 may require a member to complete before processing withdrawal requests or increasing transaction limits. |
| "Terms" | These Terms & Conditions as amended and updated by stm88 from time to time, including all supplementary rules, game-specific rules, promotional terms, and the Privacy Policy incorporated herein by reference. |
2.1 Age Requirement. You must be at least 21 years of age to register an account or place any wager on stm88. stm88 does not permit access to, or use of, any gambling service by persons under 21 years of age. This restriction is absolute and non-negotiable regardless of local minimum-age thresholds that may differ from this requirement.
2.2 Residency. The stm88 Platform is designed and operated for players resident in Indonesia. By registering, you confirm that you are a resident of Indonesia and that your use of the Platform is not prohibited by any law or regulation applicable to you in your jurisdiction of residence.
2.3 Legal Capacity. You confirm that you are of full legal capacity to enter into a binding agreement, that you are not acting on behalf of a third party, and that any funds deposited to your account are owned by you and are not derived from criminal activity.
2.4 Self-Exclusion. You confirm that you are not currently subject to any voluntary or mandatory self-exclusion order from stm88 or any other gambling operator, and that you have not been diagnosed with or are not currently seeking treatment for a gambling addiction that would make participation in gambling services inadvisable.
stm88 applies mandatory age-verification checks at the point of registration and prior to processing the first withdrawal. Members who cannot satisfy age-verification requirements will have their accounts suspended and any balance held pending review. Providing false age information constitutes fraud and will be reported to the relevant authorities.
3.1 One Account Per Member. Each individual may hold only one active stm88 account. The opening of duplicate accounts — whether using the same or different personal details — constitutes a material breach of these Terms and will result in the suspension of all associated accounts and forfeiture of all balances held therein.
3.2 Accurate Information. You are required to provide accurate, complete, and current information at the time of registration and to update that information promptly should any details change. stm88 reserves the right to request documentary verification of any information provided at any time.
3.3 Account Security. You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. stm88 will not be liable for any losses arising from unauthorised access to your account resulting from your failure to maintain adequate security of your credentials. You must notify stm88 immediately at [email protected] if you suspect any unauthorised access to your account.
3.4 KYC Verification. stm88 may require you to complete Know Your Customer (KYC) identity verification at any stage of your membership. KYC documents typically required include a government-issued photo ID (Indonesian National Identity Card / KTP or passport) and proof of address. stm88 reserves the right to suspend deposits, withdrawals, and wagering activity pending satisfactory completion of KYC procedures.
3.5 Account Non-Transferability. Your stm88 account is personal to you and may not be transferred, sold, gifted, or otherwise made available to any third party. Allowing a third party to operate your account, whether or not for remuneration, constitutes a breach of these Terms.
4.1 Supported Payment Channels. stm88 accepts deposits and processes withdrawals via the following Indonesian banking and e-wallet channels: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, BSI (Bank Syariah Indonesia), OVO, DANA, GoPay, ShopeePay, and LinkAja. stm88 reserves the right to add or remove supported payment channels without prior notice.
4.2 Currency. All transactions on stm88 are denominated in Indonesian Rupiah (IDR). No foreign currency conversion is applied, and no currency conversion fee is charged on any deposit or withdrawal transaction.
4.3 Minimum and Maximum Limits. Minimum deposit and withdrawal amounts are set per payment channel and displayed at the point of transaction. stm88 reserves the right to adjust transaction limits from time to time and may apply enhanced limits to members who have not completed KYC verification.
4.4 Withdrawal Processing. stm88 targets processing of the majority of withdrawal requests within three minutes of submission. Processing times may be extended during periods of high transaction volume, during scheduled system maintenance windows, or where a withdrawal triggers an internal review for compliance or fraud-prevention purposes. stm88 does not guarantee withdrawal completion within any specific timeframe.
4.5 Source of Funds. All funds deposited to your stm88 account must be legally owned by you and must not be derived from any criminal activity, money laundering, fraud, or any other unlawful source. stm88 cooperates fully with law enforcement and regulatory authorities in relation to any investigation into suspected financial crime involving member transactions.
4.6 Withdrawal to Deposit Method. stm88 reserves the right to require that withdrawal funds be returned to the same payment method used for the original deposit, to a value not exceeding the deposited amount. This policy is applied as an anti-money-laundering control measure.
Bank transfer processing times may be subject to the operating hours of the receiving bank. Transfers to BCA, BRI, BNI, and Mandiri during standard Indonesian banking hours (08:00–21:00 WIB) are typically credited within minutes. Transfers outside these hours may be held until the next processing window of the receiving institution.
5.1 General Bonus Terms. All bonuses, free bets, cashback offers, reload promotions, and any other incentives offered by stm88 are subject to the specific terms and conditions published at the point of offer. In the event of any conflict between a specific promotion's terms and these general Terms, the specific promotion's terms shall prevail in relation to that promotion only.
5.2 Wagering Requirements. Unless stated otherwise, bonus funds awarded to your account are subject to a wagering requirement before they may be converted to withdrawable cash. The applicable wagering multiplier (e.g., 5x, 10x, 20x of the bonus amount) will be stated clearly in the promotion details. Bonus funds and any winnings derived from them will be forfeited if the wagering requirement is not met within the stated validity period.
5.3 Eligible Games. Not all games on the stm88 Platform may contribute equally — or at all — toward satisfying a bonus wagering requirement. Game contribution percentages will be specified in the individual promotion terms. As a general guide:
5.4 One Bonus at a Time. Unless a promotion explicitly states otherwise, only one bonus may be active on a member's account at any time. Claiming a new bonus before an existing bonus wagering requirement is satisfied will result in forfeiture of the existing bonus and its associated winnings.
5.5 Bonus Abuse. stm88 actively monitors bonus usage for patterns consistent with abuse, collusion, arbitrage, or exploitation of promotional terms in bad faith. Where stm88 determines, in its reasonable opinion, that a member has engaged in bonus abuse, stm88 reserves the right to void all bonus funds, void winnings derived from bonus funds, and/or suspend the member's account.
5.6 stm88 Discretion. stm88 reserves the right to withdraw, modify, or discontinue any promotion at any time without prior notice. Promotions are offered at stm88's sole discretion and may be targeted to specific member segments.
6.1 Acceptance of Bets. All wagers placed on stm88 are subject to acceptance by stm88 at its sole discretion. stm88 reserves the right to refuse, limit, or void any wager without providing a reason, including but not limited to wagers that would result in a disproportionate liability for the Platform.
6.2 Minimum and Maximum Stakes. Minimum and maximum wager amounts are displayed within each product section and may vary by sport, market, game type, and member account status. stm88 may adjust stake limits without prior notice.
6.3 Errors and Manifest Mistakes. stm88 reserves the right to void any bet placed at odds or on terms that were offered as a result of a manifest error, technical fault, or software malfunction — including incorrectly displayed odds, incorrect market descriptions, or duplicate market listings. Where a bet is voided under this clause, all stakes will be returned to the member's account.
6.4 Sportsbook Settlement. Sportsbook markets will be settled in accordance with the official result of the relevant governing body (e.g., FIFA for football, BWF for badminton, Dorna Sports for MotoGP). In cases of dispute, stm88's settlement decision, made in good faith with reference to available official sources, shall be final.
6.5 Live Betting. Live in-play bets are accepted subject to real-time odds availability. stm88 may suspend live markets at any time during an event. Bets accepted before a market suspension will be honoured at the accepted odds unless they are voided under Clause 6.3.
6.6 RNG Games. All RNG-based products on stm88 — including slot titles from Pragmatic Play, NetEnt, Microgaming, and Pocket Games Soft — use certified random-number generation. Published RTP percentages represent long-run statistical averages and do not guarantee any specific outcome for any individual session or spin.
The following conduct is strictly prohibited on the stm88 Platform. Any member found to have engaged in prohibited conduct may have their account immediately suspended, all balances forfeited, and the matter referred to appropriate authorities where applicable:
8.1 Ownership. All content on the stm88 Platform — including but not limited to text, graphics, logos, icons, images, audio clips, software, and the overall compilation of the Platform — is the property of stm88 or its content licensors and is protected by applicable intellectual property laws.
8.2 Limited Licence. stm88 grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial wagering and entertainment purposes. This licence does not include the right to reproduce, distribute, modify, publicly display, or create derivative works from any Platform content.
8.3 Restrictions. You may not scrape, data-mine, frame, mirror, or systematically extract any content from the stm88 Platform without express prior written consent from stm88. Breach of this clause may result in account termination and legal action.
9.1 Privacy Policy. stm88's collection, use, storage, and processing of your personal data is governed by the stm88 Privacy Policy, which is incorporated into these Terms by reference. By agreeing to these Terms, you also agree to the Privacy Policy. You are encouraged to review the Privacy Policy in full at /privacy-policy.
9.2 Data for Compliance. stm88 may share your personal data with regulatory authorities, law enforcement agencies, or financial intelligence units where required by applicable law or where stm88 has a reasonable belief that such sharing is necessary to prevent or investigate financial crime, fraud, or money laundering.
9.3 Marketing Communications. With your consent, stm88 may send you promotional communications regarding new games, promotions, and platform updates. You may withdraw consent to marketing communications at any time by contacting [email protected].
10.1 Platform Availability. stm88 endeavours to maintain continuous Platform availability but does not guarantee uninterrupted access. The Platform may be temporarily unavailable due to scheduled maintenance, technical issues, force majeure events, or circumstances outside stm88's reasonable control. stm88 shall not be liable for any losses arising from Platform unavailability.
10.2 Exclusion of Consequential Loss. To the maximum extent permitted by applicable law, stm88 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform, including but not limited to loss of profits, loss of data, or loss of goodwill.
10.3 Cap on Liability. stm88's maximum aggregate liability to any member in respect of any claim arising under or in connection with these Terms shall not exceed the total value of deposits made by that member to their stm88 account in the 12 months preceding the event giving rise to the claim.
10.4 Gambling Losses. stm88 is not liable for any financial losses incurred through gambling activity on the Platform. You acknowledge that gambling involves inherent risk and that losses are a normal and foreseeable outcome of wagering. stm88 strongly encourages all members to set deposit limits and to use all available responsible gaming tools.
If you believe that gambling is negatively affecting your financial situation, relationships, or mental health, please visit our Responsible Gaming page immediately. You can activate a self-exclusion or deposit limit at any time by contacting [email protected].
11.1 Termination by Member. You may close your stm88 account at any time by submitting a written request to [email protected]. Upon closure, any remaining real-money balance will be returned to your registered payment method within seven business days, subject to the completion of any pending KYC verification and the absence of any outstanding bonus wagering obligations.
11.2 Termination by stm88. stm88 reserves the right to suspend or permanently close any member account at its sole discretion, with or without prior notice, where stm88 reasonably believes that: (a) the member has breached any provision of these Terms; (b) continued operation of the account poses a financial, legal, or reputational risk to stm88; or (c) the member is located in or has accessed the Platform from a Prohibited Jurisdiction.
11.3 Effect of Termination. Upon termination of an account, all Bonus Funds and winnings derived solely from Bonus Funds shall be immediately forfeited. Real-money balances will be returned subject to Clause 11.1 procedures, unless the account was terminated due to a breach of these Terms, in which case stm88 reserves the right to withhold the balance pending investigation.
12.1 Applicable Law. These Terms & Conditions and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the jurisdiction in which stm88 holds its international operating licence. The specific governing jurisdiction is available upon request by contacting [email protected].
12.2 Dispute Resolution. In the event of any dispute between you and stm88, you agree to first attempt to resolve the matter informally by contacting our support team. If the matter cannot be resolved informally within 30 days, it shall be referred to binding arbitration under the rules of an internationally recognised arbitration body, as designated by stm88.
12.3 Language. These Terms are written in English. In the event of any inconsistency between any translated version and the English version, the English version shall prevail.
13.1 Right to Amend. stm88 reserves the right to amend, update, or replace these Terms & Conditions at any time. Amended Terms will be posted to this page with an updated effective date. It is your responsibility to review these Terms periodically.
13.2 Continued Use. Your continued use of the stm88 Platform following the posting of amended Terms constitutes your acceptance of those amended Terms. If you do not agree with any amendment, you must close your account in accordance with Clause 11.1 prior to the effective date of the amended Terms.
13.3 Material Changes. Where stm88 determines that an amendment constitutes a material change to your rights or obligations, stm88 will endeavour to provide reasonable advance notice via your registered email address. The absence of such notice, however, does not invalidate the amended Terms.
For all enquiries relating to these Terms & Conditions — including account disputes, KYC requirements, withdrawal issues, bonus queries, and responsible gaming support — please contact the stm88 support team:
stm88 is committed to responding to all formal complaints and account disputes within five business days of receipt. Where a dispute involves a large sum or requires investigation, stm88 will acknowledge receipt and provide a preliminary response within 48 hours.
Now that you've reviewed our Terms & Conditions, step into the full stm88 experience — live sportsbook, premium casino tables, thousands of slots, and more, all in Rupiah.