Legal agreement governing your use of stek88 online gaming services in Indonesia
Last Updated: January 2026
These Terms & Conditions constitute a legally binding agreement between you and stek88. By registering an account, depositing funds, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree with any provision contained herein, you must immediately cease using our platform. You must be at least 21 years of age and a resident of Indonesia to use stek88 services.
In these Terms & Conditions, unless the context otherwise requires, the following terms shall have the meanings assigned to them below:
By accessing the stek88 website, creating an account, or using any of our services, you expressly acknowledge and agree to be bound by these Terms & Conditions in their entirety, as well as our Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference. These Terms constitute the complete and exclusive agreement between you and stek88 concerning your use of our platform.
We reserve the right to modify, amend, or update these Terms at any time without prior notice. Any changes will become effective immediately upon posting to the website. It is your responsibility to review these Terms periodically. Your continued use of stek88 services following the publication of changes constitutes your acceptance of such modifications. If you object to any changes, your sole remedy is to cease using our services and close your account.
These Terms are available in English and are designed to comply with international gaming standards while respecting Indonesian market context. In the event of any inconsistency between translated versions and the English version, the English version shall prevail.
You must be at least 21 years of age to register an account and use stek88 services. This age requirement reflects Indonesian legal standards for gambling participation. By registering, you represent and warrant that you meet this minimum age requirement. We reserve the right to request proof of age at any time, including government-issued identification such as an Indonesian ID card (KTP), passport, or driver's license. Failure to provide satisfactory proof of age may result in immediate account suspension and forfeiture of funds.
You must be a resident of Indonesia or be physically located within Indonesian territory at the time of account registration and service use. stek88 services are intended exclusively for Indonesian players. We employ geolocation technology to verify your location. Use of VPNs, proxy servers, or other methods to mask your true location is strictly prohibited and constitutes grounds for account termination.
To create an account, you must provide accurate, current, and complete information as requested in our registration form. Required information includes your full legal name as it appears on government identification, date of birth, residential address in Indonesia, valid email address, and mobile phone number. You agree to maintain and promptly update your registration information to ensure accuracy.
You may register only one account per person. Multiple accounts, also known as "duplicate accounts," are strictly prohibited. This includes creating new accounts after self-exclusion or account closure. If we detect duplicate accounts, we reserve the right to close all such accounts, void all bets, and confiscate any funds or winnings. This policy exists to prevent bonus abuse, fraud, and to support responsible gaming measures.
During registration and before your first withdrawal, you will be required to complete identity verification (Know Your Customer or KYC procedures). This process requires submission of valid identification documents and may include proof of address and payment method verification. We implement these measures to prevent identity theft, fraud, money laundering, and underage gambling. Your account will remain in limited status until KYC verification is successfully completed.
You are solely responsible for maintaining the confidentiality of your account username and password. You must not share your login credentials with any third party. All activities conducted through your account are your responsibility, whether authorized by you or not. If you suspect any unauthorized access to or use of your account, you must notify us immediately through our customer support channels. stek88 shall not be liable for any loss or damage arising from unauthorized account access due to your failure to maintain credential security.
stek88 accepts deposits through various Indonesian payment methods including bank transfers via BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), Bank Mandiri, CIMB Niaga, OCBC NISP, and Bank Danamon, as well as e-wallet services including OVO, DANA, and GoPay. All deposits must be made from payment accounts registered in your own name. Third-party deposits are prohibited and will be rejected or returned.
Minimum deposit amounts vary by payment method but generally start at Rp 50,000. Maximum deposit limits apply according to your account status and verification level. Standard accounts may deposit up to Rp 100,000,000 per transaction, while VIP accounts enjoy higher limits. All deposit limits are clearly displayed in your account dashboard and during the deposit process.
Deposits made through Indonesian bank transfers during banking hours (typically 6:00 AM to 10:00 PM WIB) are usually credited to your account within 5 minutes. Deposits made outside banking hours are processed automatically when banks resume operations. E-wallet deposits are typically credited within 5-15 minutes. stek88 does not charge fees for deposits, though your bank or payment provider may impose their own transaction fees.
Once a deposit is credited to your account, it cannot be reversed except in cases of technical error on our part. All deposits are final and must be wagered according to our anti-money laundering policies before withdrawal. Specifically, deposited funds must be wagered at least once (1x rollover requirement) before you may request withdrawal of those funds.
You may request withdrawal of funds from your account balance at any time, subject to completion of KYC verification and fulfillment of any bonus wagering requirements. Withdrawals are processed to the same payment method used for deposits whenever possible. You may withdraw to Indonesian bank accounts registered in your name. Minimum withdrawal amount is Rp 100,000; maximum single withdrawal is Rp 50,000,000 for standard accounts.
Your first two withdrawals per calendar week are free of charge. Additional withdrawals within the same week incur a processing fee of Rp 25,000 per transaction. This fee structure encourages consolidation of withdrawal requests and helps us manage operational costs while keeping the majority of withdrawals free for our players.
Withdrawal requests are manually reviewed for security purposes. Most withdrawals are approved and processed within 1-6 hours during business days. During peak periods, weekends, or public holidays, processing may extend up to 24 hours. Your first withdrawal may require additional verification time of up to 48 hours as we conduct enhanced identity checks. Once approved, funds are transferred to your designated Indonesian bank account according to interbank clearing schedules, typically arriving within 24 hours of approval.
We reserve the right to request additional documentation before processing withdrawals, particularly for large amounts, unusual betting patterns, or if we have reason to believe the account may have been compromised. This may include requesting photos of identification, proof of address, source of funds verification, or video verification calls. Such requests are made in accordance with our regulatory obligations and commitment to responsible gaming.
stek88 offers various bonuses and promotions including welcome bonuses, deposit bonuses, cashback offers, reload bonuses, and tournament prizes. All bonuses are subject to specific terms and conditions that are disclosed at the time of the offer. Bonus terms include wagering requirements (the amount you must bet before bonus funds can be withdrawn), eligible games, maximum bet limits while playing with bonus funds, time limits for fulfilling requirements, and any other restrictions.
Wagering requirements typically range from 10x to 40x the bonus amount, depending on the promotion type. For example, a Rp 100,000 bonus with 25x wagering requires you to place Rp 2,500,000 in total bets before the bonus funds and associated winnings can be withdrawn. Not all games contribute equally to wagering requirements. Slots usually contribute 100%, while table games may contribute 10-20% or be excluded entirely. Specific contribution rates are listed in each promotion's terms.
Bonuses are intended for recreational players and must be used in accordance with their terms. Bonus abuse includes but is not limited to: creating multiple accounts to claim the same bonus multiple times, using betting strategies designed solely to meet wagering requirements with minimal risk (such as betting on all outcomes of an event), collaborating with other players to manipulate bonus systems, or any other activity that violates the spirit of the promotion. We reserve the right to void bonuses, cancel associated winnings, and terminate accounts engaged in bonus abuse.
You may opt out of bonus offers at any time by contacting customer support. If you prefer to play without bonus restrictions, you may request that your account be excluded from all promotional offers. Additionally, you may forfeit an active bonus at any time, which will remove both the bonus funds and any winnings derived from those bonus funds from your account, while preserving your original deposited funds and winnings from those funds.
All bets are subject to the specific rules of the game or sport on which they are placed. Detailed rules for sports betting, casino games, poker, and other products are available in the respective game sections of our website. You are responsible for understanding the rules before placing bets. In the event of any discrepancy between game-specific rules and these general Terms, the game-specific rules shall prevail.
All bets are final once confirmed. You cannot cancel or modify a bet after confirmation except in cases of obvious technical error on our part, such as incorrect odds displayed due to system malfunction. We reserve the right to void any bet if we determine that the bet was placed after the outcome was already known, if obvious errors in odds or lines occurred, if betting markets were left open in error, or if we have evidence of fraudulent or manipulative betting activity.
For sports betting, bets are settled based on official results as determined by the relevant sports governing body. If an event is postponed or rescheduled, bets typically remain valid if the event takes place within 48 hours of the original scheduled time. If the event is postponed beyond 48 hours or cancelled entirely, bets are generally voided and stakes returned, unless otherwise specified in the specific sport's rules.
In the case of Indonesian football including BRI Liga 1 matches featuring clubs like Persija Jakarta, Persib Bandung, Bali United, and others, bets are settled according to official results announced by the Indonesian Football Association (PSSI). For international competitions including the English Premier League, La Liga, Serie A, Bundesliga, and Champions League, bets are settled according to the respective league or tournament governing bodies.
stek88 is committed to promoting responsible gaming practices and providing a safe entertainment environment. We offer comprehensive tools to help you maintain control over your gaming activity including deposit limits (daily, weekly, monthly), loss limits, session time limits, reality check reminders, and self-exclusion options ranging from 24 hours to permanent account closure.
You may set or adjust these limits at any time through your account settings. Limit increases require a 24-hour cooling-off period before taking effect, while limit decreases and self-exclusion requests take effect immediately. If you feel that gambling is negatively impacting your life, finances, or relationships, we strongly encourage you to use our self-exclusion tools and seek support from professional resources. Contact our customer support team for assistance with responsible gaming tools or for referrals to gambling addiction support services.
stek88 has zero tolerance for underage gambling. You must be 21 years or older to use our services, in accordance with Indonesian legal standards. We implement robust age verification procedures during account registration and before first withdrawal. If we discover that an account holder is under 21 years of age, we will immediately close the account, void all bets, and confiscate all funds. No exceptions will be made to this policy under any circumstances.
While we strive to ensure 24/7 service availability, stek88 does not guarantee uninterrupted access to our platform. We reserve the right to suspend or discontinue services temporarily for maintenance, upgrades, technical issues, or other operational reasons. We are not liable for any losses, damages, or missed betting opportunities resulting from service interruptions, whether planned or unplanned. Scheduled maintenance will be announced in advance whenever possible.
To the maximum extent permitted by law, stek88, its operators, employees, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to lost profits, lost data, or business interruption. Our total liability to you for all claims arising from your use of stek88 services shall not exceed the amount you have deposited into your account during the six months preceding the claim.
The following activities are strictly prohibited and constitute material breach of these Terms:
Violation of any prohibited activity may result in immediate account termination, forfeiture of all funds, and reporting to relevant authorities. We cooperate fully with law enforcement investigations.
All content on the stek88 website including text, graphics, logos, images, software, game displays, and user interface designs are the property of stek88 or our licensed content providers and are protected by Indonesian and international copyright, trademark, and intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes only. You may not reproduce, distribute, modify, transmit, display, perform, or create derivative works from any content on our platform without express written permission.
The stek88 name, logo, and all related branding are trademarks of our company. Game titles, provider logos, and sports league names are the intellectual property of their respective owners and are used under license. Unauthorized use of any trademarks appearing on our platform is strictly prohibited.
These Terms & Conditions shall be governed by and construed in accordance with international gaming regulations and the laws applicable to online gaming operations. Given the international nature of online gaming and the regulatory framework under which stek88 operates, disputes are subject to binding arbitration rather than litigation in Indonesian courts.
Any dispute, controversy, or claim arising out of or relating to these Terms, including the breach, termination, or validity thereof, shall be resolved through good-faith negotiation between the parties. If a dispute cannot be resolved through direct communication with our customer support team within 30 days, it may be escalated to formal arbitration. The arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding on both parties.
You may close your account at any time by contacting customer support. Upon voluntary account closure, you may withdraw any remaining balance subject to fulfillment of wagering requirements and verification procedures. Closed accounts cannot be reopened without completing a new registration process and full verification.
stek88 reserves the right to suspend or terminate your account at any time, with or without notice, for any reason including but not limited to: violation of these Terms, suspicious or fraudulent activity, providing false information during registration, abuse of bonuses, prolonged account inactivity (accounts with zero balance inactive for 12 consecutive months may be closed), or at our sole discretion for business or regulatory reasons. Upon account termination by stek88, you forfeit any unredeemed bonus funds and associated winnings, though legitimately earned winnings from deposited funds will be returned to you subject to verification and after deduction of any amounts owed to us.
If you have questions about these Terms & Conditions or require assistance with any aspect of our services, please contact our customer support team through the following channels:
Our Indonesian-speaking support team is trained to handle all inquiries including technical issues, payment questions, bonus clarifications, responsible gaming support, and general platform assistance. We aim to resolve all issues on first contact whenever possible.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or regulatory authority, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent as closely as possible.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of stek88. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.
These Terms, together with our Privacy Policy and Responsible Gaming Policy, constitute the entire agreement between you and stek88 regarding your use of our services and supersede all prior agreements and understandings, whether written or oral, relating to the subject matter herein.
These Terms cover all aspects of your relationship with stek88 including account management, payments, bonuses, and dispute resolution.
Our Terms are designed to protect both players and the platform, ensuring fair treatment and secure gaming environment for all.
We review and update these Terms periodically to reflect regulatory changes, new features, and industry best practices.
These Terms are tailored for Indonesian players with references to local payment methods, age requirements, and market conditions.
Our customer support team is here to help clarify any aspect of these Terms & Conditions. We're available 24/7 to assist you.