Terms & Conditions

The following terms, when used throughout these Terms & Conditions, carry the meanings set out below unless the context expressly requires otherwise.

To be eligible to open and maintain a swip5 Account, you must satisfy all of the following conditions at the time of registration and on a continuing basis throughout the duration of your membership:

• You are an individual natural person (not a corporation, trust, or other legal entity) and you are at least 21 years of age.
• You are a resident of Indonesia or are otherwise legally permitted to access online gaming services under the laws applicable to your jurisdiction.
• You have not previously had a swip5 Account suspended or permanently closed for Prohibited Conduct.
• You are not acting on behalf of another individual or entity when registering or transacting on the Platform.
• You are not a current employee, contractor, affiliate, or immediate family member of a swip5 employee or affiliate partner, unless swip5 has provided prior written consent.
• You are of sound mind and capable of entering into a legally binding agreement.

swip5 reserves the right to request proof of eligibility at any time and to suspend account access pending verification. Providing false information in relation to any eligibility criterion constitutes a material breach of these Terms and will result in immediate account closure and forfeiture of any Balance held.

Each eligible individual is permitted to hold one Account only. Registration of multiple Accounts — whether under the same name, address, device, IP address, payment method, or any combination thereof — constitutes Prohibited Conduct and will result in the suspension of all associated accounts and permanent forfeiture of all balances.

When registering, you are required to provide accurate, current, and complete information including your full legal name, date of birth, residential address in Indonesia, a valid email address, and a mobile number. You are responsible for keeping this information up to date. Failure to maintain accurate registration details may result in withdrawal delays or account suspension.

You are solely responsible for maintaining the confidentiality of your login credentials. swip5 will not be liable for any loss or damage arising from unauthorised access to your Account resulting from your failure to keep your credentials secure. You must notify swip5 immediately at [email protected] if you suspect that your Account has been accessed without your authorisation.

All deposits to your swip5 Account must be made in Indonesian Rupiah (IDR) via an approved payment method registered in your own name. The following payment methods are currently supported: BCA, BRI, BNI, Mandiri, CIMB Niaga, OVO, DANA, GoPay, ShopeePay, and LinkAja.

The minimum deposit amount is Rp 10.000. Maximum deposit limits may vary by payment method and account tier; your applicable limits are displayed within the Cashier section of your Account at the time of deposit.

• Deposits made from payment accounts not registered in your name will be refused and returned to the originating account.
• swip5 does not accept cash deposits, cryptocurrency payments, or deposits via third-party payment intermediaries not listed as approved methods.
• In the event that a deposit is credited to your Account in error, you are obligated to notify swip5 immediately. Failure to do so and use of erroneously credited funds constitutes Prohibited Conduct.
• Deposit processing times are typically instant for e-wallets and within five minutes for bank transfer methods, subject to the processing schedules of the relevant financial institutions.

swip5 reserves the right to conduct enhanced due diligence on large or unusual deposits and to request supporting documentation in connection with any transaction. Failure to provide requested documentation within a reasonable timeframe may result in the suspension of the relevant funds pending review.

Withdrawal requests may only be submitted once KYC verification has been completed in full. All withdrawals are processed in IDR and must be directed to a bank account or e-wallet registered in the same name as your swip5 Account. The minimum withdrawal amount is Rp 50.000.

swip5 targets the following withdrawal processing timelines for verified accounts:

• E-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja): typically under one minute upon approval.
• Bank transfers (BCA, BRI, BNI, Mandiri, CIMB Niaga): typically within the same business day upon approval, subject to inter-bank clearing schedules.

These timelines are targets and not guarantees. swip5 reserves the right to conduct additional security checks on any withdrawal request, which may extend processing times. You will be notified via the email address on your Account if additional verification is required.

swip5 does not charge fees for standard withdrawal processing. However, your bank or e-wallet provider may apply their own transfer fees, for which swip5 accepts no responsibility.

swip5 offers a range of promotional bonuses including welcome bonuses, reload bonuses, cashback, free spins, and slot tournament prizes. Each promotion is subject to its own specific terms, including a Wagering Requirement, time limit, eligible games list, and maximum withdrawal cap, which will be communicated at the time the promotion is offered or accepted.

The following general bonus rules apply to all promotions unless a specific promotion's terms expressly state otherwise:

• Only one welcome bonus may be claimed per Member, per household, and per device or IP address.
• Bonuses are non-transferable and have no cash value until all applicable Wagering Requirements are satisfied.
• If a Member requests a withdrawal before satisfying the Wagering Requirement applicable to an active bonus, swip5 reserves the right to deduct the Bonus Funds and any derived winnings from the withdrawal amount.
• Wagering Requirements must be satisfied within the validity period stated in the relevant promotion terms. Upon expiry, any unsatisfied Bonus Funds and derived winnings will be forfeited automatically.
• Not all games contribute equally to Wagering Requirements. Contribution rates by game category are disclosed in the applicable promotion terms. Bets placed on games with 0% contribution do not count toward the Wagering Requirement.
• swip5 reserves the right to amend, suspend, or withdraw any promotion at any time with reasonable notice. Any Wagering Requirements already in progress at the time of amendment will be honoured under the terms applicable when the bonus was accepted.

Any Member found to be exploiting bonus offers through systematic low-risk wagering strategies (commonly referred to as bonus abuse) may have their promotional privileges suspended and any bonus-derived winnings voided. swip5 determines what constitutes bonus abuse in its reasonable discretion.

swip5 provides access to casino games, live dealer tables, sports betting markets, esports betting markets, and slot tournaments operated in conjunction with certified third-party game providers including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Pocket Games Soft. All RNG-based game outcomes are independently audited and certified by recognised testing laboratories.

The following conduct is strictly prohibited on the Platform and constitutes grounds for immediate account suspension and forfeiture of all associated balances:

• Use of automated betting systems, bots, scripts, or artificial intelligence tools to place wagers or interact with the Platform in place of a human player.
• Collusion with other players to gain an unfair advantage in any game or market.
• Exploitation of software bugs, glitches, or errors in game mechanics, whether or not such exploitation results in financial gain.
• Match-fixing, spot-fixing, or placing wagers based on advance knowledge of a predetermined outcome in any sporting event.
• Arbitrage betting strategies designed to exploit discrepancies in odds across markets with the primary intent of generating risk-free profits rather than legitimate sporting engagement.
• Any form of money laundering or use of the Platform to process funds derived from illegal activities.

swip5 cooperates fully with law enforcement agencies and regulatory authorities in connection with investigations into suspected financial crime or fraudulent activity. We reserve the right to freeze Account funds for a reasonable period pending the outcome of any such investigation.

swip5 is committed to promoting responsible gaming across all its products. Gambling should be an enjoyable leisure activity. If it ceases to be enjoyable or begins to cause financial, emotional, or social harm, swip5 provides the following tools — all accessible immediately from your Account settings:

• Deposit Limits: Set daily, weekly, or monthly deposit caps on your Account. Limit reductions take effect immediately; limit increases are subject to a 24-hour cooling-off period.
• Session Time Reminders: Configure alerts to notify you after a set period of continuous play.
• Cooling-Off Period: Temporarily suspend your Account for a defined period ranging from 24 hours to 6 months. During this period, you will not be able to log in or receive promotional communications.
• Self-Exclusion: Permanently close your Account and prevent re-registration for a minimum of five years. Self-exclusion requests are irrevocable for the duration of the exclusion period.

If you are concerned about your gaming habits, we encourage you to contact our support team at [email protected] at any time. Our Indonesian-speaking support agents are available 24/7 and can assist with activating any responsible gaming tool immediately.

swip5 strictly enforces its 21+ age policy. Parents and guardians are encouraged to use content filtering software to prevent minors from accessing online gambling platforms.

swip5 reserves the right to suspend or permanently close any Account at its reasonable discretion, including but not limited to the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Failure to complete KYC verification within the required timeframe.
• Reasonable suspicion of fraudulent activity, money laundering, or collusion.
• Registration of duplicate accounts.
• Provision of false or misleading information at registration or during KYC.
• Conduct that is abusive, threatening, or harassing toward swip5 staff or other members.
• Chargebacks filed through a bank or payment provider against deposits made to swip5.

In the event of an Account suspension pending investigation, swip5 will notify you via the registered email address and provide a reasonable opportunity to respond before any final determination is made, except where immediate action is required to prevent ongoing harm or financial loss to the Platform or other Members.

You may request voluntary Account closure at any time by contacting [email protected]. Any real-money Balance remaining at the time of voluntary closure will be processed for withdrawal in accordance with the standard withdrawal terms, provided all applicable Wagering Requirements have been satisfied and KYC is complete.

To the fullest extent permitted by applicable law, swip5's total aggregate liability to any Member in connection with these Terms, the Platform, or any transaction shall not exceed the total amount deposited by that Member into their Account in the 30-day period immediately preceding the event giving rise to the claim.

swip5 shall not be liable for any of the following, whether arising in contract, tort, or otherwise:

• Loss of profits, revenue, business, or anticipated savings.
• Loss of data or corruption of data.
• Indirect, consequential, special, or punitive damages of any kind.
• Platform downtime, service interruptions, or technical failures beyond swip5's reasonable control, including but not limited to internet outages, server failures, cyberattacks, or force majeure events.
• Errors in game outcomes resulting from technical faults, provided such errors are corrected as soon as reasonably practicable and affected wagers are voided and refunded.

Nothing in these Terms limits swip5's liability for fraud, willful misconduct, or any other liability that cannot be excluded or limited under applicable law.

swip5 collects, processes, and stores your personal data in accordance with its Privacy Policy, which forms part of these Terms and is available at swip5.net/privacy-policy. By registering an Account, you consent to the processing of your personal data as described in the Privacy Policy.

Personal data collected during registration and KYC is used solely for the purposes of account management, identity verification, fraud prevention, and compliance with applicable legal obligations. swip5 does not sell personal data to third parties. Data is shared with third parties only where necessary to provide the services described on the Platform (for example, with payment processors and game providers) or where required by law.

All data transmitted between your device and the Platform is protected by 256-bit TLS encryption. swip5 conducts regular security audits and penetration testing to maintain the integrity of its data infrastructure.

All content on the Platform, including but not limited to the swip5 brand name and logo, website design, software, graphics, text, game interfaces, and promotional materials, is the exclusive intellectual property of swip5 or its licensed suppliers and is protected by applicable intellectual property law.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial entertainment. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any Platform content without prior written consent from swip5.

swip5 reserves the right to amend these Terms & Conditions at any time. Material changes will be communicated to registered Members via the email address on file no fewer than seven days before the amended Terms take effect. Continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms.

If you do not agree with any amendment, you should cease using the Platform and request Account closure before the effective date of the change. Any real-money Balance held at the time of closure will be processed for withdrawal in the standard manner, provided withdrawal conditions are met.

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which swip5 holds its international gaming licence. Any dispute arising out of or in connection with these Terms that cannot be resolved through good-faith negotiation shall be referred to binding arbitration conducted in English under the rules of a recognised international arbitration body.

Nothing in this clause limits swip5's right to seek interim or injunctive relief in any court of competent jurisdiction to protect its intellectual property rights or prevent imminent financial harm.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or arbitral tribunal of competent jurisdiction, the remaining provisions shall continue in full force and effect.

If you have any questions, concerns, or complaints regarding these Terms & Conditions, or if you wish to exercise any right provided herein, please contact the swip5 support team using the details below. Our Indonesian-speaking agents are available 24 hours a day, seven days a week.