Terms & Conditions HCM44 – A Complete Guide to Using the Malaysia Platform

The hcm44 platform is open to individuals who meet all of the following eligibility criteria. It is your responsibility to ensure you qualify before registering and using our services.

• Minimum age: You must be at least 18 years of age at the time of registration. hcm44 conducts periodic age verification checks and reserves the right to suspend any account suspected of being held by an underage individual.
• One account per individual: Each individual is permitted to hold only one active hcm44 account. Registering multiple accounts under the same identity is strictly prohibited and may result in the closure of all associated accounts along with the forfeiture of all balances and winnings.
• Accurate information: All information provided during registration — including your full name, phone number, and bank or e-wallet details — must be accurate and up to date. Providing false or inaccurate information may result in account suspension.
• KYC Process: hcm44 reserves the right to request identity verification documents (KYC) at any time, particularly before processing withdrawals that exceed certain thresholds. Required documents may include a copy of a valid Malaysian identity card or passport.
• One account per device/IP: While multiple members may play from the same network (such as family members sharing a connection), hcm44 reserves the right to investigate accounts that share a device or IP address to ensure no promotional abuse is taking place.

Hcm44 accepts deposits via a wide range of payment methods popular in Malaysia. All deposits are processed securely using 256-bit SSL encryption.

• Deposit methods must be in your name: Deposits may only be made using an e-wallet or online banking account registered in your own name. Deposits from third-party accounts are not accepted and funds may be returned or forfeited.
• Daily deposit limit: Your daily deposit limit depends on your VIP tier. New members have a daily deposit limit of RM 5,000. VIP Gold members and above enjoy higher deposit limits.
• Bonus funds cannot be withdrawn directly: Bonus amounts credited to your account (such as the Welcome Bonus) are bonus funds, not cash. They are subject to rollover requirements before they can be withdrawn. Please refer to Section 4 for the full bonus terms.
• Payer's responsibility: hcm44 is not responsible for any deposit delays or failures caused by technical issues on the part of your e-wallet provider or bank.

Hcm44 is committed to providing a fast, straightforward, and transparent withdrawal process for all members. The following terms and conditions apply to all hcm44 account withdrawals.

• Minimum withdrawal: The minimum withdrawal amount is RM 50 per transaction.
• Withdrawal methods: Withdrawals can be made to the same e-wallet you used for your deposit (Touch 'n Go eWallet, GrabPay, Boost, DuitNow) or via FPX bank transfer. For security purposes, funds will be credited back to the same account used for your original deposit.
• Processing time: Standard withdrawals (RM 50 – RM 9,999) are processed within 5 to 30 minutes. Withdrawals exceeding RM 10,000 require additional verification and may take up to 48 hours.
• Identity verification (KYC): Your first withdrawal may require a basic identity verification. This is a standard security procedure to protect your account from unauthorised access. The KYC process is typically completed within 2 hours.
• Rollover requirement: Your own deposited funds (excluding bonus funds) may be withdrawn at any time once the minimum one-time (1x) wagering requirement has been met. Bonus funds are subject to the rollover requirements stated in the relevant bonus terms (please refer to Section 4).
• Large jackpot withdrawals: Jackpot winnings exceeding RM 50,000 will be paid in instalments or through a special payment arrangement agreed upon with the member. hcm44 will contact the winner directly to coordinate payment.

Hcm44 offers a wide range of bonuses and promotions to members at every level. Each bonus carries its own specific terms, and the terms below are the general terms applicable to all hcm44 bonuses unless otherwise stated.

• Welcome Bonus (150% up to RM 800): Available to new members making their first deposit. The rollover requirement is 20x (deposit + bonus) for slots, or 30x for Live Casino games. The bonus must be used within 30 days of crediting or it will expire.
• Weekly VIP Cashback (5%–20%): Calculated based on net losses over a week (Monday to Sunday) and credited every Monday at 10:00 AM MYT. VIP cashback carries no rollover requirement — it is cash that can be withdrawn immediately.
• One bonus per promotion: Each member is entitled to any given bonus or promotion once only, unless stated otherwise. Attempting to claim the same bonus through multiple accounts constitutes fraud and will result in the closure of all accounts involved.
• Bonus adjustment: hcm44 reserves the right to withdraw, adjust, or modify the terms of any bonus if there is evidence of misuse, system exploitation, or conduct deemed to constitute bonus abuse.
• Eligible games: Not all games contribute equally toward meeting bonus rollover requirements. Slots typically contribute 100%, while Live Casino games may contribute between 10% and 50% depending on the game type.

All games on hcm44 — including slots, Live Casino, jackpots, Sports Betting, and e-sports — are governed by the following rules. It is your responsibility to understand the rules of each game before playing.

• Game results are final: All game outcomes generated by an independently audited RNG (Random Number Generator) system are final and cannot be disputed. hcm44 has no control over these game results.
• Technical issues: In the event of a technical disruption or system failure during an active game, the affected round or bet may be voided and the wager refunded. hcm44 is not liable for any winnings or losses arising from technical issues beyond our control.
• Minimum and maximum bet limits: Each game has its own minimum and maximum betting limits, which are displayed directly within the game interface. hcm44 reserves the right to adjust these limits without prior notice.
• Sports Betting and e-sports: For Sports Betting (Malaysian Super League football, EPL, badminton) and e-sports (Mobile Legends MPL Malaysia, DOTA 2, CS2, Valorant, Free Fire), confirmed bets cannot be cancelled unless the match is officially called off. The odds displayed at the time of placing a bet are the odds that apply to that bet.
• Fraudulent attempts: Any attempt to exploit system vulnerabilities, use automated bots, or collude with other players or dealers for unauthorized gains is strictly prohibited and may result in immediate account closure.

The security of your account is a shared responsibility between hcm44 and you as the account holder. hcm44 invests heavily in technical security infrastructure, but there are also steps you need to take personally to keep your account protected.

• Password confidentiality: You are solely responsible for keeping your hcm44 account password confidential. Do not share your password with anyone, including family members or hcm44 support staff (we will never ask for your password).
• Unauthorized access: If you become aware of or suspect that your account has been accessed without your authorisation, please contact the hcm44 support team immediately via live chat. hcm44 is not liable for any losses arising from you sharing your login credentials with another party.
• Logging in from a public device: hcm44 strongly advises against logging into your account from public computers or shared devices (such as at cybercafes or public service centres). If you must do so, ensure you log out completely when you are done.
• Two-factor authentication (2FA): hcm44 offers two-factor authentication via your registered phone number. We strongly encourage all members to activate this security feature.

Hcm44 reserves the right to close or suspend any account for the reasons outlined below. These decisions are made to protect the integrity of the platform and the interests of all hcm44 members.

• Voluntary closure by member: You may request to close your hcm44 account at any time by contacting our support team. Before the account is closed, all valid balances (not subject to any unfulfilled rollover requirements) will be returned to you via your preferred payment method.
• Temporary suspension: hcm44 reserves the right to temporarily suspend an account for investigation if suspicious activity is detected. During the suspension period, you will be unable to deposit, play, or withdraw funds. You will be notified of the reason for the suspension and the expected duration.
• Permanent closure: Accounts may be permanently closed for the following reasons: multiple account registrations, use of false information, fraud or attempted fraud, bonus abuse, money laundering, or serious breach of any terms set out in this document.
• Balance forfeiture: In cases of account closure due to fraud or abuse, hcm44 reserves the right to forfeit all balances in the account, including deposited funds, bonus funds, and any pending winnings.
• Responsible gaming closure: If you request account closure for responsible gambling reasons (self-exclusion), hcm44 will process your request immediately and without question. This also covers accounts closed at a family member's request for protection purposes. Please refer to Section 8 for more details.

Hcm44 takes responsible gaming seriously. Our online entertainment platform is meant to be enjoyed as a source of fun — not as a solution to financial problems or a primary source of income.

• Personal deposit limit: You can set daily, weekly, or monthly deposit limits directly from your account settings. Limits take effect immediately once set and require a 7-day period to increase, but can be lowered at any time with immediate effect.
• Session time limits: hcm44 provides session time reminders that you can set to alert you on how long you have been playing in a single session.
• Cooling-off (temporary break): You can choose to take a "cooling-off" break from the hcm44 platform for 24 hours, 7 days, or 30 days. During this period, you will not be able to log in to your account. Your funds remain safe and will be accessible once the period ends.
• Self-exclusion: If you feel you have a problem with gambling, you may apply for self-exclusion for 6 months, 1 year, or permanently. Contact the hcm44 support team via live chat to submit your request. hcm44 will honour this request without question.
• Suspicious activity: The hcm44 team is trained to identify playing patterns that may indicate a gambling problem. Where this is the case, we may reach out to you proactively to share information on available support resources.

Hcm44 provides its platform and services "as is" and makes no warranties regarding their fitness for any particular purpose beyond what is expressly stated in these terms.

• Hcm44 is not liable for any direct or indirect financial losses arising from use of the platform, including losses from gambling activity.
• Hcm44 does not guarantee that the platform will always be available without interruption. Scheduled or unscheduled maintenance may cause the platform to be temporarily inaccessible.
• In the event that hcm44 is found liable for any loss, hcm44's maximum liability is limited to the total amount deposited within the 30 days prior to the claim being made.
• Hcm44 is not liable for any act or omission by third-party game providers (such as Pragmatic Play, Microgaming, NetEnt, or Evolution Gaming) that supply games to our platform.

These Terms and Conditions are governed by the applicable laws of the jurisdiction in which hcm44 is registered and operates. hcm44 operates under a valid international online gambling licence.

• Complaint resolution: If you have a complaint about any aspect of hcm44's services, your first step is to contact our customer support team via live chat or email at support@hcm44.best. We are committed to resolving all complaints within 5 business days.
• Independent dispute resolution body: If your complaint cannot be resolved satisfactorily through customer support, you may refer the dispute to an alternative dispute resolution (ADR) body recognised by our licensing regulatory authority.
• Terms update: hcm44 reserves the right to amend these Terms & Conditions at any time. Members will be notified of significant changes via in-platform notifications at least 7 days before the changes take effect. Continued use of the platform after the effective date constitutes acceptance of the updated terms.