Terms & Conditions Credit Free – Malaysia Platform User Guide

To register and use Credit Free's services, you must meet all of the following eligibility requirements. By completing the registration process, you confirm that you satisfy all of these criteria.

• Minimum age: You must be at least 18 years of age at the time of registration. Credit Free has a zero-tolerance policy toward underage registration and will terminate any account found to be in breach of this requirement without compensation.
• One account per individual: Each player is permitted to hold only one active account. Registering multiple accounts under the same individual — whether using different names, IP addresses, phone numbers, or payment methods — is prohibited and may result in the closure of all associated accounts.
• Accurate information: All information provided during registration must be accurate, truthful, and up to date. Credit Free reserves the right to request identity verification at any time, particularly before processing a first withdrawal or any withdrawal exceeding a specified limit.
• Personal use: A Credit Free account is for the personal use of the account holder only. Sharing accounts, transferring accounts to another party, or using someone else's account is strictly prohibited.

Credit Free accepts deposits via a range of secure and recognised Malaysian digital payment methods. All transactions are processed with 256-bit SSL encryption to keep your financial information safe.

• Accepted deposit methods: Touch 'n Go eWallet, DuitNow, GrabPay, Boost, ShopeePay, and FPX online banking (including Maybank2u, CIMB Clicks, and other local banks that support FPX).
• Minimum deposit limit: The minimum deposit is RM 20 per transaction. There is no general maximum deposit limit, though specific limits may apply depending on your account tier and Credit Free's discretion.
• Processing time: Deposits are typically credited to your Credit Free account within 30 seconds of bank confirmation. If your deposit has not been credited within 10 minutes, please contact customer support with proof of your transaction.
• Source of funds: You are responsible for ensuring that all deposited funds are legally yours. Credit Free bears no liability if you deposit funds that do not belong to you or that were obtained through unauthorised means.
• No processing fees: Credit Free does not charge any processing fees for deposits. However, your payment provider may apply their own charges — please check with them separately.

Credit Free is committed to processing all valid withdrawal requests promptly and accurately. The following outlines the withdrawal conditions and procedures that all members are required to follow.

• Withdrawal methods: Withdrawals can be made to the same payment method used for your deposit — Touch 'n Go eWallet, DuitNow, GrabPay, Boost, ShopeePay, or FPX. This is a standard security measure to prevent money laundering.
• Processing time: Withdrawals are typically processed within 5 to 30 minutes of a confirmed request. In certain cases that require a security review, processing may take up to 24 hours.
• Identity verification: Credit Free reserves the right to request identity verification (KYC) before processing any withdrawal, particularly for first-time withdrawals or amounts exceeding a specified limit. This process requires submission of a copy of your identification document and proof of your payment method.
• Rollover requirement: Withdrawal of bonuses or bonus-derived winnings is subject to the rollover requirements stated at the time the bonus offer was made. Deposits made without a bonus may be withdrawn at any time with no rollover conditions.
• No withdrawal fees: Credit Free does not charge any processing fees for withdrawals. However, your payment service provider may impose their own charges.

Credit Free offers a range of bonuses and promotions for both new and existing members. All bonus offers are subject to the specific terms stated alongside each offer, as well as the general conditions below.

• Rollover requirement: Every bonus comes with a rollover requirement (also known as a wagering requirement) that must be met before any winnings derived from the bonus can be withdrawn. The rollover is typically expressed as a multiplier (e.g., 20x), meaning the bonus amount must be wagered 20 times in total.
• One bonus per member: Each promotion may only be claimed once per member, per household, per device, or per IP address, unless otherwise stated in the promotion's terms.
• Bonus validity period: Every bonus has a stated validity period. Any bonus not used within that period will expire automatically with no compensation.
• Gaming eligibility: Not all games contribute equally toward rollover requirements. Live casino games such as baccarat and roulette may contribute at a different rate than other games. Please check the specific bonus terms for details.
• Right to decline or withdraw: Credit Free reserves the right to reject any bonus claim or withdraw a bonus already granted if there is evidence of misuse, an attempt to exploit the bonus system, or a violation of the general terms.

The Credit Free welcome bonus — offering a 100% match up to RM 500 on your first deposit — is an exclusive offer for new members only. Full rollover requirements for this bonus are stated on our promotions page. Please read and understand these terms before claiming any bonus.

All games offered on Credit Free — including Live Casino, Sports Betting, baccarat, roulette, badminton, and virtual sports — are subject to the following rules.

• Final decision: All game outcomes settled by the Credit Free system are final and binding, unless there is clear evidence of a technical failure.
• Technical disruption: If an internet disruption or technical issue occurs during an active game, Credit Free will attempt to restore the game to its last valid state. If restoration is not possible, the affected bets may be voided and the funds returned.
• Unauthorised betting: Credit Free reserves the right to void any bets placed through unauthorised methods, including the use of bots, automated scripts, or exploitation of system errors. Winnings obtained through such means will not be paid out.
• Bet limit: Each game and table has clearly stated minimum and maximum bet limits. These limits are subject to change at Credit Free's discretion.
• Sports Betting: For Sports Betting on the Malaysia Super League, EPL, BWF badminton tournaments, and other events, Credit Free reserves the right to decline or restrict any bet at any time without being required to provide a specific reason.

The security of your Credit Free account is a shared responsibility between you and Credit Free. Please observe the following security measures.

• Password: Use a strong, unique password for your Credit Free account. Do not share your password with anyone, including the Credit Free support team — we will never ask for your password through any channel.
• Unauthorised access: If you suspect that your account has been accessed by an unauthorised party, change your password immediately and contact Credit Free support for a security review.
• Activity responsibility: All activity conducted under your account — including betting, deposits, and withdrawals — is your responsibility unless there is clear evidence that the account was accessed without your authorisation.
• Two-factor authentication: Credit Free encourages the use of two-factor authentication (2FA) for added protection. This is available in your account security settings.

Credit Free believes that online gaming should be an enjoyable form of entertainment — not a source of stress or financial hardship. We provide a range of tools to help you play in a healthy and controlled manner.

• Deposit limit: You can set daily, weekly, or monthly deposit limits in your account settings. Limits take effect immediately, and any reduction in limits requires a waiting period before coming into force.
• Loss limit: Set a loss limit to control the maximum amount you can lose within a given period. Once this limit is reached, you will be unable to place new bets until the limit resets.
• Self-exclusion: You can take a temporary break from the Credit Free platform for 24 hours, 7 days, 30 days, or 6 months. During the break period, your account will not be accessible for wagering.
• Permanent self-exclusion: If you feel that gambling is negatively affecting your life, you may choose to permanently self-exclude. This option is irreversible, and Credit Free will not accept any new registration from the same individual.

For more information on responsible gaming tools and support resources, please visit the Responsible Gaming If you or someone you know is struggling with gambling, please seek help from a professional.

Protecting members' personal data is a top priority for Credit Free. All information you provide to us is processed in accordance with our privacy policy and the data protection laws in force in Malaysia.

• Data collection: Credit Free collects the personal information necessary to provide our services — including your name, phone number, email address, and payment details. We do not collect information beyond what is required for this purpose.
• Data usage: Your information is used for account management, transaction processing, service-related communications, identity verification, and compliance with legal requirements.
• Data security: All data is stored with encryption and protected by industry-grade security infrastructure, including 256-bit SSL.
• Data sharing: Credit Free does not sell or share your personal data with third parties for marketing purposes without your consent. Data may be shared with service providers that support Credit Free's operations, subject to strict confidentiality agreements.

For details on how we handle your personal data, please read our Privacy Policy Credit Free in full.

Credit Free reserves the right to suspend or terminate any member's account under the following circumstances, with or without prior notice.

• Violation of any part of these Terms & Conditions.
• Fraud, attempted fraud, or conduct that harms other members or the integrity of the platform.
• Providing false information during registration or the KYC process.
• Multiple account registration.
• Use of bots, automated software, or any unauthorised method to participate in games.
• Money laundering activities or suspicious financial transactions.

If your account is suspended for reasons unrelated to a terms violation, your deposit balance (excluding bonuses) will be refunded via your original payment method within 5 business days. To appeal an account termination, please contact support@creditfree.xyz within 30 days of the termination date.

Credit Free reserves the right to amend, update, or replace any part of these Terms & Conditions at any time. Changes take effect immediately upon being published on this website with a revised update date.

It is the member's responsibility to review these Terms & Conditions periodically. Continued use of the Credit Free platform following any amendments constitutes acceptance of the updated terms. If you do not agree with any changes made, you must stop using Credit Free's services and contact us to close your account.