Legal agreement governing your use of sm188 platform and services
Important Notice: By accessing or using sm188, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must not use our services. Please read this document carefully before creating an account or placing any bets. These terms constitute a legally binding agreement between you and sm188.
You must be 21 years or older
Residents of Indonesia only
Only one account per person
ID verification mandatory for withdrawals
In these Terms & Conditions, unless the context otherwise requires, the following terms shall have the meanings set forth below:
By accessing the sm188 website, creating an account, making a deposit, or placing any bet, you explicitly agree to be bound by these Terms & Conditions in their entirety. Your continued use of sm188 services constitutes ongoing acceptance of these terms, including any amendments or updates we may publish from time to time.
We reserve the right to modify, amend, or update these Terms & Conditions at any time without prior notice. Any changes will become effective immediately upon publication on this page. It is your responsibility to review these terms periodically. Your continued use of sm188 after changes have been posted constitutes your acceptance of the modified terms. If you do not agree with any changes, you must cease using our services immediately and may request account closure.
These Terms & Conditions should be read in conjunction with our Privacy Policy, Responsible Gaming Policy, and any specific rules or terms applicable to individual games, promotions, or betting markets. In the event of any conflict between these Terms & Conditions and game-specific rules, these general Terms shall prevail unless explicitly stated otherwise.
To use sm188 services, you must meet all of the following eligibility criteria. By creating an account, you represent and warrant that:
You are at least 21 years of age. sm188 strictly prohibits underage gambling. We reserve the right to request proof of age at any time, and accounts suspected of belonging to individuals under 21 will be immediately suspended pending verification. If you are found to be underage, your account will be permanently closed, all funds will be forfeited, and we may report the matter to relevant authorities.
You have the legal capacity to enter into a binding contract. You are not subject to any legal disability, restriction, or prohibition that would prevent you from entering into this agreement or using online gaming services.
You are a resident of Indonesia and are physically located within Indonesia when accessing sm188 services. Our services are specifically designed for the Indonesian market and are not available to residents or citizens of jurisdictions where online gambling is prohibited by law. You are responsible for ensuring that your use of sm188 complies with all applicable local, provincial, and national laws in your jurisdiction.
You are gambling with your own funds. The money you deposit and wager on sm188 belongs to you and is not borrowed, stolen, or obtained through illegal means. You have not been declared bankrupt, and you are not under any debt arrangement or composition with creditors.
You do not already have an existing account with sm188. Each person is permitted only one account. If we detect multiple accounts belonging to the same individual (through matching personal details, IP addresses, device fingerprints, payment methods, or other technical means), we reserve the right to close all duplicate accounts, void all bets placed from those accounts, and forfeit any funds or bonuses associated with them. The original account may be retained at our discretion.
You are not currently self-excluded from gambling services, either on sm188 or through any third-party self-exclusion program. If you have previously self-excluded, you must wait until the exclusion period has fully expired before attempting to register or use our services.
To access sm188 services, you must create a personal account by providing accurate, current, and complete information as prompted by our registration form. Required information typically includes your full legal name (as shown on your Indonesian KTP), date of birth, email address, phone number, residential address, and chosen password. All information must be truthful and accurate. Providing false or misleading information is a material breach of these terms and may result in immediate account termination and forfeiture of funds.
You are solely responsible for maintaining the confidentiality of your account credentials (username and password). You must not share your login details with any third party. Any activity conducted through your account will be deemed to have been authorized by you, and you will be held responsible for all transactions, bets, deposits, and withdrawals made using your credentials. If you suspect unauthorized access to your account, you must notify sm188 customer support immediately.
We strongly recommend using a strong, unique password that combines uppercase and lowercase letters, numbers, and special characters. Enable two-factor authentication if available. Do not use the same password you use for email, banking, or other sensitive accounts.
Before you can make your first withdrawal from sm188, you must complete Know Your Customer (KYC) verification. This process requires you to submit clear, legible copies of your Indonesian national identity card (KTP), a selfie holding your KTP, and potentially additional documentation such as proof of address (bank statement or utility bill from the last 3 months). Verification typically takes 1-24 hours but may take longer during peak periods or if additional documentation is required.
Failure to complete KYC verification will result in withdrawal restrictions. We may also request updated documentation periodically or if we detect suspicious activity. You agree to provide all requested documentation promptly. Refusal to comply with KYC requests may result in account suspension or closure.
You must keep your account information current and accurate. If your contact details, address, or other personal information changes, you must update your account settings immediately or contact customer support. sm188 is not responsible for missed communications or failed transactions resulting from outdated account information.
Your sm188 account is personal to you and may not be transferred, sold, gifted, or otherwise assigned to any other person. You may not allow any other person to use your account or access our services through your credentials. Any attempt to transfer account ownership will result in immediate closure of all involved accounts and forfeiture of funds.
sm188 accepts deposits in Indonesian Rupiah (IDR) through various payment methods including bank transfers (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI, Bank Permata) and e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja). Minimum deposit amounts vary by payment method, typically ranging from Rp 20,000 to Rp 50,000. There is no maximum deposit limit, though individual banks or payment processors may impose their own limits.
Deposits are processed instantly in most cases, and funds are credited to your account within seconds to minutes. sm188 does not charge deposit fees, but your bank or payment provider may apply their own transaction charges. You are responsible for any fees imposed by third-party payment processors.
All deposits must originate from a payment account registered in your own name. Third-party deposits (deposits made from accounts not belonging to you) are strictly prohibited and will result in the deposited funds being returned to the source account, potential account suspension, and forfeiture of any associated bonuses.
You may request a withdrawal of your available account balance at any time, subject to completion of KYC verification and fulfillment of any applicable bonus wagering requirements. Withdrawals are processed to the same payment method used for your most recent deposit, or to a verified Indonesian bank account registered in your name.
Withdrawal processing times vary by payment method and VIP tier:
VIP Gold tier and above members receive priority processing with faster turnaround times. All withdrawals are processed 24/7, including weekends and Indonesian national holidays. However, some banks may not process incoming transfers outside of business hours, which may delay final receipt of funds.
sm188 does not charge withdrawal fees for most transactions. However, we reserve the right to deduct a processing fee from withdrawals below Rp 100,000 or from accounts with excessive withdrawal frequency (more than 5 withdrawals per day). There is no maximum withdrawal amount, though large withdrawals (over Rp 100,000,000) may be subject to additional verification and may be processed in multiple installments for security reasons.
Before you can withdraw deposited funds, you must wager at least 1x (one times) the deposit amount. This is a standard anti-money-laundering requirement and applies to all deposits, even if you do not claim any bonus. For example, if you deposit Rp 500,000, you must place at least Rp 500,000 in total bets before you can withdraw.
If you claim a bonus, additional wagering requirements will apply to the bonus amount as specified in the bonus terms. Failure to meet wagering requirements will result in withdrawal restrictions until requirements are fulfilled or the bonus is forfeited.
sm188 reserves the right to investigate any withdrawal request, particularly large withdrawals or withdrawals from accounts exhibiting unusual betting patterns. We may request additional documentation, delay processing pending investigation, or decline a withdrawal if we suspect fraudulent activity, bonus abuse, or violation of these terms. We will make reasonable efforts to complete investigations within 72 hours.
sm188 offers various bonuses and promotions to eligible players, including welcome bonuses, deposit match bonuses, cashback, free bets, and tournament prizes. Bonus eligibility, terms, and wagering requirements vary by promotion and are specified on the respective promotion page or in the promotional communication.
Unless otherwise stated, bonuses are available only to players who have completed KYC verification, have not previously self-excluded, and are not suspected of bonus abuse or fraudulent activity. We reserve the right to exclude any player from bonus eligibility at our sole discretion.
All bonuses are subject to wagering requirements, typically ranging from 10x to 40x the bonus amount depending on the promotion. You must wager the required amount before any bonus-related winnings can be withdrawn. Different games contribute differently toward wagering requirements:
For example, if you receive a Rp 1,000,000 bonus with a 30x wagering requirement, you must place Rp 30,000,000 in eligible bets before you can withdraw bonus-related winnings. Bets placed on excluded games or bets exceeding the maximum allowed bet size do not count toward wagering requirements.
Bonus abuse, including but not limited to creating multiple accounts to claim bonuses multiple times, exploiting software vulnerabilities, placing opposite bets to clear wagering requirements with minimal risk, or any other activity designed to guarantee profits from bonuses, is strictly prohibited. If we detect bonus abuse, we reserve the right to void all bonuses and associated winnings, confiscate funds, and permanently close your account.
You may forfeit an active bonus at any time by contacting customer support. Upon forfeiting a bonus, any bonus funds and winnings derived from the bonus will be removed from your account. Your deposited funds (minus any wagered amounts) will remain available.
While an active bonus is being wagered, you may not place individual bets exceeding Rp 50,000 per round/spin/bet. Bets exceeding this limit will not count toward wagering requirements and may result in bonus forfeiture and confiscation of winnings.
Most bonuses must be wagered within a specified time period, typically 7 to 30 days from the date of bonus credit. If wagering requirements are not met within the validity period, the bonus and any associated winnings will expire and be removed from your account.
All bets placed on sm188 are subject to acceptance by us. We reserve the right to refuse, limit, or void any bet at our sole discretion, particularly if we suspect the bet was placed using insider information, exploiting errors in odds or game results, or in violation of these terms. If a bet is voided, your stake will be returned to your account.
Bets are settled based on official results as determined by the relevant sports governing body, game provider, or event organizer. In the case of sports betting, we use official league and tournament results. For casino games, results are determined by the game provider's random number generator (RNG) and cannot be disputed.
If an event is abandoned, postponed, or canceled, bets will be voided and stakes returned unless otherwise specified in sport-specific rules. For football (soccer) matches, if a match is abandoned after 75 minutes of play, most bets will stand. Matches postponed and rescheduled within 48 hours will generally be treated as continuing bets; postponements longer than 48 hours typically result in voided bets.
If obvious errors are made in odds, results, or bet acceptance (commonly known as "palpable errors"), we reserve the right to void affected bets even after settlement. Examples of obvious errors include decimal point mistakes (odds of 100.0 instead of 1.00), incorrect match dates or teams, or results posted before an event has concluded. If you believe you have benefited from an obvious error, you must notify customer support immediately.
sm188 imposes minimum and maximum bet limits on different markets and games. Limits vary based on sport, market type, game, and your account status. High-stakes players may request limit increases by contacting VIP support. We reserve the right to lower limits or refuse bets from players exhibiting suspicious betting patterns or suspected of arbitrage betting.
You may set personal deposit limits, loss limits, session time limits, and self-exclusion periods through your account settings. Once set, responsible gambling limits cannot be increased immediately; increase requests are subject to a 24-hour cooling-off period. Limits can be decreased or removed immediately. We encourage all players to use these tools to maintain control over their gambling activity.
The following activities are strictly prohibited on sm188. Engaging in any prohibited activity may result in immediate account suspension, forfeiture of funds, and potential legal action:
sm188 maintains strict anti-money laundering (AML) policies. You may not use our platform to launder money or conduct any illegal financial transactions. We monitor all transactions for suspicious activity and will report suspected money laundering to relevant authorities. Accounts suspected of money laundering will be immediately frozen pending investigation.
Any attempt to access sm188 services while under the age of 21 is strictly prohibited. We employ age verification measures and will close any accounts found to belong to minors. If you become aware of underage gambling on our platform, please report it to customer support immediately.
sm188 services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free from viruses or other harmful components. You use sm188 at your own risk.
sm188 is not liable for losses or damages resulting from technical issues including but not limited to server downtime, internet connectivity problems, software malfunctions, hardware failures, or third-party service interruptions. If a technical issue affects game results or bet settlement, we will make reasonable efforts to resolve the issue fairly, but we cannot guarantee compensation for lost opportunities or potential winnings.
sm188 provides access to games and content from third-party providers such as Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, and others. We are not responsible for the accuracy, fairness, or functionality of third-party games. Disputes regarding game outcomes should be directed to the game provider, and we will assist in facilitating communication where appropriate.
Gambling inherently involves financial risk. You acknowledge that you may lose money when using sm188 services. We are not liable for any financial losses you incur through gambling, nor are we liable for any consequential, incidental, or indirect damages arising from your use of our platform.
To the maximum extent permitted by law, sm188's total liability to you for any claim arising from your use of our services shall not exceed the total amount you have deposited into your account in the 90 days preceding the claim, or Rp 10,000,000, whichever is lower.
You agree to indemnify, defend, and hold harmless sm188, its owners, operators, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services, your violation of these terms, or your violation of any applicable laws or third-party rights.
We reserve the right to suspend or restrict access to your account at any time if we reasonably believe you have violated these Terms & Conditions, engaged in fraudulent activity, or pose a risk to the integrity of our platform. During suspension, you will not be able to place bets, make deposits, or request withdrawals. We will investigate the matter and notify you of our findings.
We may terminate your account and these Terms & Conditions immediately and without prior notice if:
Upon termination, you will forfeit all bonuses and promotional funds. Any remaining real-money balance (after deduction of any amounts owed to sm188) will be returned to you following completion of any necessary investigations, provided you have completed KYC verification. We reserve the right to withhold funds if we have reasonable grounds to suspect fraudulent activity or money laundering.
You may close your account at any time by contacting customer support and requesting account closure. Before closure, you must withdraw all remaining funds (subject to completion of wagering requirements and KYC verification). Once your account is closed, you may not create a new account without our express written permission.
If your account remains inactive (no login, deposit, or bet) for 12 consecutive months, it will be classified as dormant. We may charge a monthly dormancy fee of Rp 50,000 or 10% of the remaining balance (whichever is lower) to cover account maintenance costs. Dormant accounts with zero balance may be closed automatically. You may reactivate a dormant account by logging in and contacting customer support.
These Terms & Conditions and any disputes arising from your use of sm188 shall be governed by and construed in accordance with the laws of Curacao, where our operating license is issued. However, we acknowledge that our services are specifically designed for the Indonesian market and will respect Indonesian legal and cultural norms in our operations and dispute resolution processes.
If you have a complaint or dispute with sm188, we encourage you to first contact our customer support team. Most issues can be resolved quickly through direct communication. If customer support cannot resolve your issue to your satisfaction, you may escalate the matter by emailing [email protected] with "Formal Complaint" in the subject line. We will investigate and respond within 10 business days.
If we cannot resolve a dispute through our internal complaints process, you agree to submit the dispute to mediation before pursuing any legal action. If mediation is unsuccessful, the dispute shall be resolved through binding arbitration in accordance with the arbitration rules of Curacao. The arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding on both parties.
You agree to resolve disputes with sm188 on an individual basis and waive any right to participate in class-action lawsuits or class-wide arbitration. Each party may bring claims against the other only in their individual capacity.
Any claim or dispute arising from your use of sm188 must be filed within 6 months of the date the cause of action arose. Claims filed after this period will be time-barred and dismissed.
If you have questions, concerns, or require assistance regarding these Terms & Conditions or any aspect of our services, please contact sm188 customer support:
Email: [email protected]
Live Chat: Available 24/7 through your account dashboard
WhatsApp: Available during business hours (Indonesian-speaking support)
Response Time: Most inquiries are answered within 2-5 minutes during peak hours (09:00-23:00 WIB), with 24/7 coverage for urgent matters.
For formal complaints or legal matters, please use the email address above with "Formal Complaint" or "Legal Inquiry" in the subject line. We will respond to all formal communications within 10 business days.
Language Clarification: These Terms & Conditions are written in English. In the event of any translation into other languages, the English version shall prevail in case of discrepancies or disputes. Although sm188 serves the Indonesian market and provides Indonesian-speaking customer support, our legal documentation is maintained in English to ensure clarity and international legal consistency.
Last Updated: January 2026
Version 2.1
Our support team is here to help clarify any aspect of these terms
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