Panda95 Terms & Conditions — Platform Usage Guide

Please read these terms and conditions carefully before using the panda95 platform. By registering or using any of our services, you agree to be bound by all provisions set out below.

Effective date: 1 January 2026 | Current version

Document Contents

Acceptance of Terms
Account Creation & Security
User Responsibilities & Rules
Payments, Deposits & Withdrawals
Liability Limits & Account Policy
Intellectual Property, Third-Party Links & Changes to Terms

Key Summary

Users must be 18 years and above to use the panda95 platform.
Each individual is only permitted to hold one account active at any one time.
All transactions are conducted in Malaysian Ringgit (RM / MYR).
Panda95 reserves the right to suspend or close any account that violates these terms without prior notice.
These terms are governed by the applicable laws of Malaysia.

1. Acceptance of Terms

By accessing, registering for, or using any part of the panda95 platform (website, mobile app, or related services), you confirm that you have read, understood, and agreed to be bound by these Terms & Conditions. If you do not agree with any provision stated herein, please discontinue use of this platform immediately.

These terms form a legally binding agreement between you as the user and panda95 as the platform operator. This agreement takes effect as soon as you complete the account registration process or begin using any of the services provided.

Panda95 reserves the right to update, amend, or replace any part of these terms at any time. Notice of changes will be displayed within the platform. Continued use of the platform following any amendment constitutes your acceptance of the updated terms.

2. Account Creation & Security

Account Eligibility Requirements

You must be at least 18 years of age.
You must be an individual with full legal capacity to enter into a binding agreement.
Only one account per individual is permitted. Holding multiple accounts may result in closure of all associated accounts and forfeiture of balances.
All registration information provided must be accurate, complete, and up to date.

Account Security Responsibilities

You are solely responsible for maintaining the confidentiality of your password and account login details.
Do not share your login details with any other party.
You are solely responsible for all activity that occurs under your account.
Report any unauthorised access to panda95 support immediately.

Panda95 uses SSL encryption to protect all user data. However, you are responsible for ensuring that your device is free from malware and that your internet connection is secure.

3. User Responsibilities & Rules

Users of the panda95 platform agree to comply with all of the following usage rules. Violation of any of these rules may result in account suspension or closure without compensation.

Prohibited Activities

Using the platform for any unlawful or unauthorised purpose.
Attempting to hack, disrupt, or compromise the security of panda95's systems.
Using automated software, bots, or scripts to access or manipulate the platform.
Creating fake accounts or using another person's identity.
Engaging in fraud, money laundering, or any other illegal financial activity through this platform.
Distributing obscene, inciteful, or harmful content through the platform.

User Responsibilities

Users are solely responsible for all betting decisions made. panda95 is not liable for any financial losses incurred as a result of a user's betting decisions. All confirmed bets are final and cannot be reversed.

4. Payments, Deposits & Withdrawals

All financial transactions on the panda95 platform are conducted in Malaysian Ringgit (RM / MYR). Users are responsible for ensuring that all payment details provided are accurate and valid.

Deposit

Deposits can be made via supported payment methods, including TNG eWallet, FPX, Maybank2u, and CIMB Clicks.
Minimum and maximum deposit amounts are subject to set limits and may change from time to time.
Successful deposits will be credited to your account within the timeframe specified for each payment method.
Panda95 is not responsible for delays caused by third-party financial institutions.

Withdrawal

Withdrawal requests are subject to an identity verification process, which may be required.
Withdrawals can only be made to a bank account or digital wallet registered under the same user's name.
Withdrawal processing times vary depending on the chosen method and may take one to three business days.
Panda95 reserves the right to decline or place on hold any withdrawal requests deemed suspicious while an investigation is conducted.

5. Liability Limits & Account Policy

Panda95 Liability Limits

The panda95 platform is provided on an "as is" and "as available" basis. panda95 makes no warranty that the service will be available at all times without interruption, free of errors, or that it will meet any specific user expectations. To the fullest extent permitted by law, panda95 shall not be liable for any direct, indirect, incidental, or consequential loss arising from use of the platform.

Account Suspension & Closure

Panda95 reserves the right to suspend or close a user's account under the following circumstances:

The user violates any provision of these Terms & Conditions.
There is reasonable suspicion of fraud, money laundering, or other illegal activity.
The user provided false or misleading information during registration or verification.
The account has been found inactive for an extended period in accordance with the platform's current policy.

If an account is closed due to a violation, any remaining balance may be forfeited without compensation. If the closure is at the user's request, any valid balance will be refunded upon completion of the relevant verification process.

6. Intellectual Property, Third-Party Links & Changes to Terms

Intellectual Property

All content on the panda95 platform — including text, graphics, logos, icons, images, audio clips, digital downloads, and software — is the property of panda95 or its content licensors and is protected under Malaysian intellectual property law. Users may not copy, distribute, modify, or create derivative works from any platform content without explicit written permission.

Third-Party Links

The panda95 platform may contain links to third-party websites or services. These links are provided solely for user convenience and do not constitute an endorsement or validation by panda95 of the content, policies, or practices of those websites. panda95 is not responsible for the content, privacy policies, or practices of any third-party websites.

Changes to Terms & Applicable Law

Panda95 reserves the right to amend, modify, or update these Terms & Conditions at any time. Users will be notified of any material changes via an in-platform notice. Continued use of the platform after such changes take effect constitutes acceptance of the updated terms.

These Terms & Conditions are governed by and construed in accordance with the laws of Malaysia. Any disputes arising in connection with these terms shall be resolved through the appropriate Malaysian courts. If you have any questions regarding these terms, please contact the panda95 support team at [email protected].