Terms and Conditions pana21 – Complete Platform Usage Guide

Welcome to pana21. This platform is operated and owned by pana21 Entertainment Limited, a duly registered company holding a valid operating licence. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User") and pana21.

By accessing, registering, or using any services provided through pana21.app or any related platform, you automatically agree to be bound by all provisions in these Terms. If you do not agree with any part of these Terms, please stop using the platform immediately.

These Terms should be read together with pana21's Privacy Policy and Responsible Gaming Policy, all of which form part of the overall agreement between you and our platform.

To use pana21's services, you must meet all of the following eligibility requirements:

• Age 18 years and above at the time of registration and throughout continued use of the platform.
• Not residing in a jurisdiction that prohibits or restricts access to online gambling services.
• Not listed on any active gambling self-exclusion programme.
• Making gambling decisions freely without pressure from any party.
• Not acting as a representative or agent for any third party while using the platform.

When registering an account on pana21, you agree to provide complete, accurate, and up-to-date information. This includes your full name, date of birth, email address, phone number, and a valid identification document.

Each individual may only hold one active account on pana21. Registering multiple accounts — whether using the same name, email address, phone number, or payment method — is prohibited and may result in:

• Closure of all related accounts without prior notice.
• Freezing of funds across all associated accounts.
• Cancellation of all related bonuses and wins.
• Reporting to the relevant authorities where fraudulent elements are present.

You are solely responsible for keeping your account password secure and not sharing it with anyone. pana21 will not be liable for any losses resulting from unauthorized access to your account due to your own negligence.

Pana21 supports a wide range of deposit and withdrawal methods popular in Malaysia, including DuitNow, Maybank2U, CIMB Clicks, Public Bank, Touch 'n Go eWallet, and Boost. All transactions are processed through secure payment channels with 256-bit SSL encryption.

Deposit Policy:

• The minimum deposit limit is RM 10 to RM 30 depending on the selected payment method.
• All deposits must be made using a payment method registered under the same user's name.
• Successful deposits are typically credited to your account in under 3 minutes.
• Pana21 does not charge any processing fees for standard deposits.

Withdrawal Policy:

• Withdrawals can only be made to a bank account or e-wallet registered under the same user's name.
• Withdrawals to local Malaysian banks are typically processed within 15 minutes to 3 hours.
• All first-time withdrawals require a completed identity verification (KYC).
• Pana21 reserves the right to request additional supporting documents for withdrawals that exceed certain limits.

Pana21 offers a variety of bonuses and promotions from time to time, including welcome bonuses, deposit bonuses, cashback, and VIP program rewards. All bonuses are subject to specific terms and conditions stated alongside each offer.

General terms applicable to all pana21 bonuses:

• Wagering requirements must be met before any winnings from bonuses can be withdrawn.
• Bonuses are non-transferable between accounts and have no cash value.
• Pana21 reserves the right to revoke any bonus at any time if there is evidence of abuse.
• Each player is entitled to the welcome bonus once only.
• Unused bonuses within the specified period will expire automatically.

All games available on pana21 are powered by licensed and fair software. Casino games use a Random Number Generator (RNG) that has been verified by independent testing bodies to ensure game outcomes are random and cannot be manipulated.

The following apply to all gaming activities on pana21:

• Results of completed games are final and cannot be disputed unless there is clear evidence of a technical failure.
• In the event of a technical disruption during a live game, pana21 reserves the right to cancel or suspend the relevant wagers.
• Any bets placed during a system maintenance period will not be recognised.
• Wins resulting from any technical error or display glitch are void.

Use of the pana21 platform is subject to the condition that you will not engage in any of the following activities:

• Using automated software, bots, or scripts to play or interact with the platform.
• Sharing your account or allowing others to use your account.
• Abusing the bonus system through low-risk wagering strategies designed to unfairly fulfill wagering requirements.
• Engaging in any form of money laundering or suspicious financial activity.
• Uploading, sending, or distributing content that is unlawful, defamatory, or threatens public safety.
• Attempting to hack, breach, or disrupt the pana21 security systems.
• Colluding with other players to manipulate game outcomes.

Pana21 respects user privacy and is committed to protecting your personal data in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA). The collection, processing, and use of your personal data is governed by the pana21 Privacy Policy, which can be found at Privacy Policy page us.

In brief, pana21 collects and uses your data for the following purposes:

• Identity verification and mandatory KYC process.
• Secure processing of financial transactions.
• Delivering effective customer support services.
• Detecting and preventing fraud and suspicious activities.
• Sending promotional information and platform updates (with your consent).

Pana21 believes that gambling should be an enjoyable form of entertainment, not a source of stress or financial hardship. We provide a range of self-control tools to help players manage their gaming activity responsibly.

Responsible gaming tools available at pana21 include:

• Deposit limit — Set daily, weekly, or monthly deposit limits according to your means.
• Play time limit — Set a maximum session time to avoid playing for too long.
• Temporary Break — Suspend your account for a set period if you need a break.
• Self-Exclusion — Close your account permanently if you feel gambling is becoming a problem.

More information on responsible gaming can be found at Responsible Gaming page us. We encourage all players to play within their means.

Pana21 reserves the right to suspend or close a user's account at any time for the following reasons:

• Violation of any section of these Terms and Conditions.
• Fraud, system manipulation, or bonus abuse.
• Failure to complete the KYC process within the specified period.
• Suspicious activities related to money laundering.
• Requests from regulatory authorities or law enforcement agencies.

If your account is closed due to a terms violation, pana21 reserves the right to hold the funds in that account until the investigation is complete. Valid funds will be returned once the investigation concludes, provided no fraudulent activity is found.

Users who wish to voluntarily close their account may contact the pana21 customer support team at any time. Any valid remaining balance will be processed for withdrawal within a reasonable timeframe after the request is received.

To the extent permitted by applicable Malaysian law, pana21 shall not be liable for any indirect, consequential, special, or punitive losses arising from the use of this platform.

Pana21 makes no guarantee that:

• The platform will be available without interruption at all times.
• The system will be completely free of bugs or technical errors.
• Information displayed on the platform is always accurate and up to date at all times.

Nevertheless, pana21 is committed to providing high-quality service and will make every effort to resolve any technical issues in the shortest time possible.

Pana21 reserves the right to modify, add, or amend these Terms and Conditions at any time without prior notice. Changes take effect immediately upon being published on pana21.app. It is your responsibility to review this page periodically.

Continued use of the platform following any changes constitutes acceptance of the amended terms. If you do not agree with the changes, please stop using the platform and contact us to close your account.

These Terms and Conditions are governed by the laws of Malaysia. Any dispute arising from or in connection with these Terms shall first be resolved through good-faith negotiation, and if that fails, through arbitration appointed by pana21.