ins55 Terms & Conditions

In these Terms & Conditions, the following terms shall have the meanings set out below unless the context requires otherwise:

Access to and use of the ins55 platform is conditional upon meeting the following eligibility criteria. You represent and warrant that at all times while using the Services:

• You are at least 21 years of age. ins55 does not permit any person under 21 years of age to register an Account or use any of its Services. Age verification may be required at any stage of the account lifecycle, including at registration, first withdrawal, or following a system-triggered review.
• You are acting solely on your own behalf as an individual and not on behalf of any corporate entity, third party, or group for purposes of pooling funds or coordinating betting activity.
• You are not subject to any self-exclusion order, voluntary exclusion agreement, or regulatory prohibition that would restrict your access to online gaming platforms.
• You are not an employee, contractor, director, officer, or immediate family member of any employee of ins55 or any of its affiliated software providers, payment processors, or studio partners.
• You are not registering or using the Services from a jurisdiction where online betting is explicitly prohibited by local law and where you are subject to that prohibition. It is your sole responsibility to determine whether your use of ins55 complies with the laws applicable to you in your jurisdiction.
• You have full legal capacity to enter into a binding agreement under the laws of your jurisdiction, and these Terms & Conditions constitute a legally binding obligation on you.

To access the full range of ins55 Services, you must complete the account registration process and have your Account approved by ins55. The following conditions apply to the registration and maintenance of your Account:

3.1 — One Account Per Person

Each individual may hold only one registered Account on the ins55 platform. Creating duplicate or multiple Accounts — whether under the same name, different names, or shared payment methods — is strictly prohibited. ins55 reserves the right to close all Accounts associated with a Member found to hold multiple Accounts and to confiscate any Balance therein pending investigation.

3.2 — Accuracy of Information

You must provide accurate, complete, and current personal information during registration, including your full legal name, date of birth, valid email address, and active Indonesian mobile number. You undertake to update this information promptly if it changes. Providing false or misleading registration information is a material breach of these Terms & Conditions and will result in Account suspension.

3.3 — Identity Verification (KYC)

ins55 applies Know Your Customer (KYC) verification procedures in accordance with its internal compliance framework and applicable international anti-money laundering standards. You may be required to submit government-issued identification, proof of address, or proof of payment method ownership at any time. Failure to complete KYC verification within the timeframe specified by ins55 may result in temporary restrictions on withdrawals or Account suspension.

3.4 — Account Currency

All ins55 Accounts are maintained in Indonesian Rupiah (IDR / Rp). All deposits, wagers, winnings, bonuses, and withdrawals are processed in IDR. ins55 does not charge foreign exchange fees on IDR transactions, but the platform does not maintain Accounts in any other currency.

You are solely responsible for maintaining the confidentiality and security of your Account login credentials, including your username and password. ins55 will not be liable for any losses or damages arising from unauthorized Account access resulting from your failure to maintain credential security.

• You must not share your ins55 Account credentials with any other person. Allowing a third party to access your Account — whether by sharing login details or by permitting supervised use — constitutes a breach of these Terms & Conditions.
• You must notify ins55 customer support immediately if you suspect unauthorized access to your Account or believe your credentials have been compromised. Contact us at [email protected] at any time.
• ins55 provides optional two-factor authentication (2FA) which we strongly recommend all Members enable. ins55 shall not be responsible for Account losses where a Member has chosen not to enable 2FA.
• ins55 staff will never request your password under any circumstances. Any communication claiming to be from ins55 and requesting your password should be treated as fraudulent and reported to [email protected] immediately.

5.1 — Accepted Payment Methods

ins55 accepts deposits and processes withdrawals via the following Indonesian payment channels: BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), Mandiri, CIMB Niaga, OVO, DANA, GoPay, ShopeePay, and LinkAja. All transactions are denominated in Indonesian Rupiah (IDR). ins55 reserves the right to add or remove payment methods at its discretion with reasonable notice to Members where practicable.

5.2 — Deposit Processing

Deposits via e-wallet (OVO, DANA, GoPay, ShopeePay, LinkAja) are credited to your ins55 Account Balance immediately upon confirmation from the payment provider. Bank transfer deposits (BCA, BRI, BNI, Mandiri, CIMB Niaga) are credited within a standard processing window of up to 30 minutes during normal Indonesian banking hours. ins55 does not apply deposit fees to any supported payment method.

5.3 — Withdrawal Processing

Withdrawal requests are processed in the order they are received. E-wallet withdrawals are targeted for completion within 15 minutes of request submission. Bank transfer withdrawals are processed within standard banking hours and may take up to 2 business hours during peak periods. ins55 reserves the right to apply enhanced verification checks prior to processing withdrawals exceeding specified thresholds.

5.4 — Withdrawal Restrictions

• Withdrawals may only be made to a payment method registered in the Member's own name. Third-party payment destinations are not permitted.
• ins55 may defer or hold withdrawal requests pending completion of KYC verification, resolution of an active responsible gaming restriction, or investigation of suspected fraudulent activity.
• Bonus Funds that have not met applicable wagering requirements are not eligible for withdrawal. Only cleared, real-money Balance that has satisfied all wagering conditions may be withdrawn.
• ins55 reserves the right to request supporting documentation to confirm the source of funds deposited into any Account prior to processing a withdrawal request.

ins55 offers various promotional offers to registered Members, including welcome deposit bonuses, cashback promotions, reload bonuses, and seasonal campaigns. All bonus offers are subject to specific Terms & Conditions that are displayed in full at the point of offer, in addition to the following general bonus rules:

• Wagering Requirements: All Bonus Funds are subject to wagering requirements before the associated winnings may be withdrawn. The specific wagering multiplier applicable to each offer is stated clearly within the promotion's individual terms. Wagering requirements must be completed within the validity period stated for each promotion.
• One Bonus Per Offer: Each promotional offer may be claimed once per Member, per household, per IP address, and per payment method. Attempts to claim the same offer multiple times through duplicate Accounts or shared payment methods will be treated as a violation of these Terms & Conditions.
• Game Contribution Rates: Not all games contribute equally toward wagering requirements. Live casino games, sportsbook bets, and certain RNG titles may contribute at reduced rates as stated within each promotion's specific terms. Slot games typically contribute at the full rate of 100%, but this is subject to variation by promotion.
• Bonus Forfeiture: ins55 reserves the right to void any bonus and associated winnings if a Member is found to have violated these Terms & Conditions, including by exploiting promotional mechanics in bad faith, placing low-risk hedge bets designed to clear wagering requirements without genuine play, or operating multiple Accounts to claim duplicate bonuses.
• Promotion Amendments: ins55 reserves the right to modify, suspend, or withdraw any promotional offer at any time. Bonus Funds already credited and subject to active wagering requirements will not be retroactively affected by promotion changes unless a technical error, fraud, or Terms & Conditions violation is involved.

All bets placed through the ins55 sportsbook and gaming products are subject to the specific product rules governing each game or market type, in addition to the following general betting conditions:

7.1 — Bet Acceptance

A bet is not confirmed until ins55 has issued a bet confirmation reference number and the stake has been deducted from your Account Balance. Any bet displayed as "pending" has not been accepted and will not be settled. In the event of a system error affecting bet placement, ins55 reserves the right to void affected bets and refund the stake.

7.2 — Sportsbook Markets

ins55 offers pre-match and in-play betting markets across a comprehensive range of sports including BRI Liga 1 (featuring Persija Jakarta, Persib Bandung, Bali United, and all other clubs), EPL, La Liga, Serie A, Bundesliga, Champions League, Piala AFF, FIFA World Cup qualifiers, badminton, MotoGP (including the Mandalika circuit), and e-sports. Mix parlay (multi-leg accumulator) and Asian handicap markets are available on eligible fixtures. Minimum and maximum stake limits apply per market and are displayed at the point of bet placement.

7.3 — Settlement and Voids

Bets are settled in accordance with the official result of the relevant event as determined by the relevant governing body or official results provider. In the event of a postponed, abandoned, or cancelled event, ins55 will apply the void and refund rules specified within the relevant sport's betting rules documentation. ins55 reserves the right to void any bet placed at manifestly incorrect odds resulting from a technical or human pricing error.

The following actions constitute prohibited conduct on the ins55 platform. Engaging in any prohibited conduct will result in Account suspension, permanent closure, forfeiture of Balance, and, where appropriate, referral to relevant law enforcement or regulatory authorities:

• Registering or operating more than one ins55 Account, whether under your own identity or under a false identity.
• Using another person's Account credentials, payment method, or personal identity to access the platform or process transactions.
• Using automated software, bots, scripts, algorithms, or any artificial intelligence tool to place bets, exploit game mechanics, or access the platform in a non-human manner.
• Engaging in any form of match-fixing, insider betting, or collusion with any other party to gain an unfair advantage on the ins55 sportsbook or any gaming product.
• Exploiting technical errors, system glitches, or software bugs to generate credits or winnings beyond what would have been earned under correct system operation. Any winnings generated through exploiting a technical error are void and will be reversed from your Account Balance.
• Attempting to launder funds through the ins55 platform by depositing and withdrawing without genuine gaming activity, or by structuring transactions to avoid internal monitoring thresholds.
• Engaging in abusive, threatening, or harassing conduct toward ins55 staff or other Members via any communication channel, including customer support, live chat, or any associated social channel.

ins55 is committed to the promotion of responsible gaming and takes its duty of care to Members seriously. The platform provides the following tools to support Members in maintaining control over their gaming activity:

• Deposit Limits: Members may set daily, weekly, or monthly deposit limits from within their Account settings. Deposit limits take effect immediately when reduced. Requests to increase a deposit limit are subject to a mandatory 7-day cooling-off period before the increase is applied.
• Loss Limits: Members may set maximum loss thresholds over defined time periods. Once a loss limit is reached, no further bets or casino wagers may be placed until the defined period resets or the Member adjusts the limit subject to the applicable cooling-off period.
• Session Time Reminders: Members may configure session time alerts within their Account dashboard. Alerts notify the Member when a defined period of continuous play has elapsed.
• Self-Exclusion: Any Member may apply a voluntary self-exclusion to their Account for a period of between 24 hours and 6 months (temporary) or permanently. During any self-exclusion period, the Account is locked against deposits and wagering. Permanent self-exclusions are irrevocable. To request self-exclusion, contact [email protected] or use the self-exclusion tool in your Account dashboard.
• Reality Checks: ins55 may display periodic on-screen notifications during extended gaming sessions to prompt reflection on time and spend.

All content, software, trademarks, trade names, logos, graphics, design elements, and other intellectual property displayed on or forming part of the ins55 platform are the exclusive property of ins55 or its licensed third-party providers, including but not limited to Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Pocket Games Soft, and Spribe.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the ins55 platform for your own personal entertainment purposes in accordance with these Terms & Conditions. This licence does not extend to any reproduction, modification, distribution, reverse engineering, data scraping, or commercial exploitation of any ins55 intellectual property or third-party content delivered through the platform.

Any unauthorized use of ins55 intellectual property may result in Account termination and may expose you to civil and criminal liability under applicable intellectual property law.

To the fullest extent permitted by applicable law, ins55, its operators, directors, employees, affiliates, and technology partners shall not be liable to you for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, including but not limited to:

• Loss of Account Balance or winnings resulting from unauthorized Account access where ins55 followed its standard security procedures and the unauthorized access was not caused by ins55's own negligence.
• Temporary or permanent platform unavailability due to scheduled maintenance, technical failure, third-party service disruption, or force majeure events including but not limited to natural disasters, government actions, or widespread telecommunications failures.
• Losses arising from your reliance on information, odds, or data displayed on the platform that was subsequently found to contain a technical error, provided that ins55 corrects the error and notifies affected Members within a reasonable timeframe.
• Any financial loss arising from your decision to participate in any gambling or betting activity on the platform. Gambling involves financial risk and past outcomes do not predict future results.

Nothing in these Terms & Conditions shall operate to limit or exclude liability for fraud, fraudulent misrepresentation, death, or personal injury caused by ins55's negligence, to the extent that such limitation or exclusion is prohibited by applicable law.

ins55 reserves the right to amend, update, or replace these Terms & Conditions at any time. Where changes are material, ins55 will provide notice to registered Members via email to their registered address or via an in-platform notification prior to the amendment taking effect.

Your continued use of the ins55 platform following the effective date of any amendment constitutes your acceptance of the updated Terms & Conditions. If you do not agree with any amendment, you should cease using the platform and contact ins55 support to discuss the closure of your Account and withdrawal of any remaining Balance.

The most current version of these Terms & Conditions is always available at ins55.onl/terms-conditions and supersedes all prior versions. The effective date displayed at the top of this document confirms the version currently in force.

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which ins55 holds its primary gaming licence. Any dispute arising out of or in connection with these Terms & Conditions, including any dispute regarding their existence, validity, interpretation, or performance, shall be referred in the first instance to ins55 customer support for informal resolution.

If a dispute cannot be resolved informally within 30 days of formal written notice from you to ins55, either party may refer the matter to binding arbitration under the rules of an internationally recognized arbitration body, the seat of which shall be in the jurisdiction of ins55's primary licensing authority. The language of arbitration proceedings shall be English.

Notwithstanding the above, ins55 retains the right to seek injunctive or other equitable relief in any competent court of jurisdiction in respect of any breach or threatened breach of these Terms & Conditions relating to intellectual property, Account security, or prohibited conduct.

If you have any questions, concerns, or requests relating to these Terms & Conditions, your ins55 Account, or any aspect of the Services provided by ins55, please contact our customer support team. Support is available 24 hours a day, 7 days a week, including Indonesian public holidays.

Customer Support Email: [email protected]

Platform Address: ins55.onl

All formal legal notices to ins55 must be submitted in writing via the customer support email above with the subject line "Legal Notice — [Nature of Notice]". ins55 will acknowledge receipt of formal legal notices within 5 business days.