Swiss4Win Terms & Conditions – Malaysia Platform Terms of Use

In this Terms & Conditions document, the following terms carry the meanings as defined below:

• "Swiss4Win" refers to the sports betting and online entertainment platform operating under the domain swiss4win.click, including all sections and sub-sections of that platform.
• "Player" or "User" refers to any individual who registers for or uses the Swiss4Win service, including placing bets, playing table games, or using any feature on the platform.
• "Account" refers to a registered user profile that grants access to all Swiss4Win services, including deposits, betting, and withdrawals.
• "Platform" refers to the entire Swiss4Win website, mobile application (if applicable), and all services provided through it.
• "Bet" refers to any wager placed by a player through the Swiss4Win platform on any sport, match, or event.
• "Account Balance" refers to the total funds available in a player's account, including deposits, winnings, and any bonuses that have met the required rollover conditions.
• "Bonus" refers to any bonus credits, cashback, or promotions granted by Swiss4Win to players subject to specified conditions.

To register and use the Swiss4Win platform, you must fully meet all of the following eligibility requirements:

• You must be at least 18 years old at the time of registration. Swiss4Win does not permit anyone under this age to use the platform under any circumstances.
• You must be a resident of or physically located in Malaysia when using Swiss4Win's services.
• You must register one account only only. Holding more than one account (known as "multi-accounting") is strictly prohibited and may result in the suspension or closure of all associated accounts.
• The information you provide during registration — including your full name, phone number, and email address — must be truthful, accurate, and up to date.
• You are solely responsible for keeping your account password confidential. Swiss4Win will not be held liable for any losses resulting from password disclosure that occurs without our knowledge.

Swiss4Win reserves the right to request identity verification (KYC — Know Your Customer) at any time. This may include requesting a copy of your identification card, a recent utility bill, or other documents deemed necessary to verify your identity and address. Failure to provide the requested documents within the specified timeframe may result in account suspension.

Swiss4Win offers deposit and withdrawal methods tailored specifically for Malaysian users, utilizing familiar local payment platforms:

• Accepted Methods: Touch 'n Go eWallet, DuitNow, GrabPay, Boost, ShopeePay, FPX (Maybank2u, CIMB Clicks, RHB Online, Bank Islam Online, and other FPX-participating banks).
• Currency: All transactions are processed exclusively in Malaysian Ringgit (MYR). No foreign currency conversion is applied.
• Minimum Deposit Limit: RM30 per deposit transaction. The maximum limit depends on the player's account verification level.
• Deposit Processing Time: Deposits via e-wallet and DuitNow are typically processed within 2 minutes. FPX deposits may take up to 30 minutes depending on the respective bank's system.
• Minimum Withdrawal Limit: RM50 per withdrawal request.
• Withdrawal Processing Time: Approved withdrawal requests are typically processed within 2 to 15 minutes for e-wallet methods. Bank account withdrawals may take up to 1 business day.

Swiss4Win reserves the right to request additional verification before approving any withdrawal request, particularly for accounts that have not completed full identity verification. All withdrawals must be made using the same payment method as the original deposit, except in circumstances specified by Swiss4Win.

All Sports Betting at Swiss4win is subject to the following rules:

• Bet Acceptance: A bet is only considered valid once it has been confirmed by the Swiss4Win system and a bet reference number has been issued. Bets that have not received confirmation are not valid, even if the submit action was clicked.
• Locked Odds: The odds displayed at the time your bet is accepted are the odds that will be used to calculate your winnings, provided the bet is fully accepted by the system. Any odds change after bet confirmation will not affect existing bets.
• Minimum Bet: RM2 per bet for most markets. Different minimum bet amounts may apply to specific markets and will be displayed on the platform.
• Maximum Bet: Maximum betting limits vary by sport, match, and market. Swiss4Win reserves the right to reduce the maximum limit for specific players based on their betting patterns.
• Match Cancellation: If a match is cancelled, postponed for more than 48 hours, or not resolved within the timeframe set by Swiss4Win, all bets related to that match will be voided and the funds returned to the player's account balance.
• Official Results: Swiss4Win uses official results from recognised sports governing bodies — the Football Association of Malaysia (MFL) for the Malaysia Super League, the Badminton World Federation (BWF) for badminton, the NBA for basketball, and others — as the basis for settling all bets.
• In-Play Betting: In-play odds can change rapidly during a live match. Swiss4win reserves the right to suspend or halt acceptance of in-play bets at any time based on operational requirements.

Swiss4win offers a variety of bonuses and promotions to Malaysian players from time to time. All bonuses are subject to rollover requirements and the following general terms:

• Bonus Claims: Players must actively claim bonuses through the "Promotions" section of the Swiss4Win platform unless stated otherwise. Bonuses are not credited automatically, except for the welcome bonus for new registrations.
• Rollover Requirement: Every bonus received carries a rollover (turnover) requirement that must be fulfilled before any winnings derived from that bonus can be withdrawn. The rollover requirement for each bonus is clearly stated in the relevant promotion terms.
• Validity Period: All bonuses have a set validity period. Any unused bonuses or unfulfilled rollover requirements within the validity period will expire automatically with no compensation.
• Bonus Usage: Bonuses may not be used in conjunction with other bonuses unless stated otherwise in the relevant promotion's terms.
• One Bonus Per Individual/IP/Device: Swiss4Win offers one bonus per individual, IP address, device, and household. Any attempt to claim the same bonus more than once will result in the cancellation of that bonus.

Swiss4Win reserves the right to modify, suspend, or cancel any bonus or promotion at any time with reasonable notice to affected players. Players suspected of abusing the bonus system — including bonus arbitrage, low-risk wagering using bonus funds, or any other form of promotional fraud — may face action including bonus forfeiture and account closure.

The table games and Live Casino section of Swiss4Win — including baccarat, blackjack, roulette, poker, and slots — is subject to the following additional rules:

• Provider Decision: All Live Casino game outcomes are governed by the respective licensed game software providers, not by Swiss4Win directly. Results generated by these providers are final and cannot be disputed.
• Technical Disruption: In the event of a disconnection during an ongoing Live Casino game, Swiss4Win will refer to server records to determine the outcome of the relevant bet. No unilateral deductions will be made.
• Betting Limit: Each table game has minimum and maximum betting limits displayed on the platform before the game begins. Players must adhere to these limits.
• Responsible Conduct: Casino games involve a significant element of chance. Swiss4Win encourages all players to set appropriate limits and avoid chasing losses.

Swiss4Win takes responsible gaming seriously. We provide a range of tools and resources to help players manage their betting experience:

• Deposit Limit: Players may set daily, weekly, or monthly deposit limits via the "Account Settings" section. Limits take effect immediately when reduced and are subject to a 24-hour waiting period when increased.
• Betting Limit: Players can set a maximum limit per individual bet to prevent impulsive, unplanned wagering.
• Loss Limit: Players may set daily, weekly, or monthly loss limits. Once a limit is reached, the Swiss4win system will prevent the player from placing additional bets until the limit period resets.
• Cooling-Off Period: Players may request a playing break of 24 hours, 48 hours, or 7 days via account settings. During this period, access to betting and gaming will be restricted.
• Self-Exclusion: Players may apply for full self-exclusion for 30 days, 90 days, 180 days, or permanently. A permanent self-exclusion cannot be reversed within a minimum period of 12 months.

Swiss4Win is also committed to identifying signs of problem gambling among our players. If our team detects concerning patterns, we reserve the right to reach out to the player in question and suggest appropriate support measures.

The following actions are strictly prohibited on the Swiss4Win platform and may result in immediate account suspension or closure, with or without prior notice:

• Multi-Accounting: Registering or using more than one Swiss4Win account, whether under your own name or using another person's identity.
• Identity Fraud: Providing false information during registration or the identity verification process, including the use of falsified documents or another person's information without their consent.
• Money Laundering: Using the Swiss4Win platform for money laundering or any other unlawful financial activity.
• System Exploitation: Using automated software (bots), scripts, or other technical means to gain an unfair advantage in betting or gameplay.
• Bonus Abuse: Registering multiple accounts to claim bonuses, colluding with other players to manipulate rollover requirements, or any other form of promotional fraud.
• Physical Betting Prohibited: Betting on sporting events in which the player has a direct influence on the outcome, including family members who are participating in the event in question.
• Use by Minors: Allowing or facilitating any individual under the age of 18 to use your Swiss4win account.

Swiss4Win reserves the right to suspend or close any account under the following circumstances:

• Violation of any rules set out in these terms and conditions.
• Failure to complete identity verification within the stipulated timeframe.
• Activity suspected to be related to fraud, money laundering, or misuse of the platform.
• Requests from relevant authorities in accordance with applicable law.
• Accounts that have been inactive for more than 12 consecutive months.

Players may also close their own account at any time by contacting the Swiss4Win support team via email or Live Chat. Any valid remaining balance will be returned to the player via the original payment method within 5 working days of the account closure being processed, subject to completion of identity verification.

Swiss4Win provides this betting and entertainment platform on an "as-is" basis. While we strive to keep the platform running without interruption, Swiss4Win cannot guarantee completely uninterrupted service at all times due to technical factors beyond our control.

• Swiss4win is not liable for any losses arising from internet service disruptions, player device failures, or third-party interference beyond our control.
• Betting results are final once confirmed by the Swiss4Win system. Swiss4Win is not liable for any losses arising from valid betting outcomes, including losses resulting from unexpected sporting results.
• Swiss4Win is not responsible for any taxes or other legal obligations that may be imposed on players in relation to their winnings. Players are solely responsible for complying with applicable tax laws in Malaysia.

Swiss4Win reserves the right to update or amend these terms and conditions at any time. Where material changes are made, we will notify players via in-platform notifications or their registered email address at least 7 days before the changes take effect.

Continued use of the Swiss4Win platform after the effective date of any changes to the terms constitutes your acceptance of the updated terms. If you do not agree with the changes made, you should cease using the Swiss4Win platform and may request account closure along with a refund of any valid remaining balance.

We encourage all players to review this Terms & Conditions page periodically to stay informed of the latest terms governing the use of the Swiss4Win platform.

If you have any questions, concerns, or complaints regarding the Swiss4Win terms and conditions, please reach us through the following channels:

• Email: support@swiss4win.click — for written enquiries and official complaints requiring a documented record.
• Live Chat: Available directly within the Swiss4Win platform, 24 hours a day, 7 days a week. Response times are typically under 2 minutes.
• Service Language: The Swiss4Win support team operates in both Malay and English to ensure clear communication for all Malaysian players.

For formal complaints, please include your account number, a detailed description of the issue, and any relevant supporting evidence. Swiss4Win is committed to handling all complaints within 5 business days of receipt. If you are not satisfied with the initial decision, you have the right to request a review, which will be handled by Swiss4Win management within 10 business days.