Terms & Conditions — jos55

In these Terms & Conditions, the following terms shall have the meanings set out below unless the context requires otherwise:

• "Platform" means the jos55 website, mobile interface, and all associated gaming, sportsbook, payment, and support services accessible at jos55.bio and any subdomain thereof.
• "Member" means any individual who has successfully completed the jos55 registration process and whose account has not been suspended or permanently closed.
• "Account" means the individual member account created upon successful registration, through which the Member accesses all Platform features.
• "Balance" means the sum of real-money funds held in a Member's Account at any given time, excluding bonus funds unless otherwise specified.
• "Bonus Funds" means any promotional credits, matched deposit amounts, free bet allocations, or cashback credits granted to a Member under a specific promotion, which are subject to rollover requirements before conversion to withdrawable Balance.
• "Rollover Requirement" (also referred to as "wagering requirement") means the total monetary value of qualifying bets that a Member must place before Bonus Funds or a bonus-linked Balance may be withdrawn.
• "KYC" means Know Your Customer — the identity and address verification process required by jos55 before processing a Member's first withdrawal.
• "IDR" or "Rp" means Indonesian Rupiah, the sole currency in which transactions on the Platform are denominated.
• "Supported Payment Methods" means the Indonesian bank transfer services (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, BSI, Bank Permata) and e-wallet services (OVO, DANA, GoPay, ShopeePay, LinkAja) that jos55 accepts for deposits and withdrawals at any given time.
• "Force Majeure Event" means any event outside jos55's reasonable control, including but not limited to natural disasters, telecommunications outages, regulatory actions, power failures, cyberattacks by third parties, or acts of war.

Access to and use of the jos55 Platform is strictly limited to individuals who satisfy all of the following eligibility criteria at the time of registration and throughout the duration of their membership:

• You must be a natural person — not a corporation, partnership, trust, or other legal entity.
• You must be at least 21 years of age. jos55 does not permit use of the Platform by individuals under 21, regardless of the legal gambling age in any given jurisdiction.
• You must be a resident of Indonesia and accessing the Platform from within Indonesia or from a jurisdiction in which your use of the Platform does not violate any applicable local law.
• You must not be an employee, contractor, director, officer, or immediate family member of any employee of jos55 or its affiliated gaming studio partners, unless express written permission has been obtained from the jos55 compliance team.
• You must not have been previously excluded, banned, or permanently closed from the Platform for any breach of these Terms.
• You must have the full legal capacity to enter into a binding contract under applicable Indonesian law.

To access the Platform, you must create a single jos55 Account by providing accurate, current, and complete information during the registration process. The following rules apply to Account registration and ongoing Account management:

• One account per person: Each Member is permitted to hold exactly one Account. Creating, operating, or benefiting from more than one Account — whether under your own name or a pseudonym — constitutes a material breach of these Terms and will result in permanent closure of all associated Accounts and forfeiture of all Balances and pending withdrawals.
• Accuracy of information: You must provide your legal full name, date of birth, current Indonesian residential address, and a valid contact email address. Providing false or misleading registration information is a breach of these Terms.
• Account security: You are solely responsible for maintaining the confidentiality of your username and password. You must not share your login credentials with any third party. jos55 will never ask for your password through any channel, including live chat, email, or telephone.
• Notification of changes: You must promptly update your Account information if any registered details change, particularly your contact email address and Indonesian residential address. Failure to maintain accurate information may delay KYC verification and withdrawal processing.
• Account currency: All jos55 Accounts are denominated exclusively in IDR. No currency conversion is offered or implied.

jos55 is committed to operating a safe and compliant platform. Before processing your first withdrawal — and at any point where jos55 deems verification necessary — you will be required to complete a Know Your Customer (KYC) identity verification process. The following documents are typically required:

KYC documents must be submitted in JPEG, PNG, or PDF format with a minimum resolution sufficient for legibility. jos55 reserves the right to request additional documentation at its discretion. Withdrawals will be held pending until KYC is satisfactorily completed. jos55 processes KYC submissions within one business day in most cases.

The following rules govern all deposit transactions made to your jos55 Account:

• Minimum deposit: Rp 25.000 per transaction. There is no maximum single deposit limit set by jos55, though individual banks and e-wallet providers may impose their own transfer limits.
• Supported methods: Deposits may be made via BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, BSI, Bank Permata (bank transfer), and OVO, DANA, GoPay, ShopeePay, LinkAja (e-wallet). The list of Supported Payment Methods may be updated from time to time.
• Currency: All deposits must be made in IDR. Transactions initiated in other currencies will be declined.
• Ownership: You may only deposit funds from a payment account registered in your own name. Third-party deposits are strictly prohibited and will trigger an immediate account review.
• Processing time: Deposits are typically credited to your jos55 Account within five minutes of the transaction being confirmed by the sending institution. jos55 is not responsible for delays caused by the Member's bank or e-wallet provider.
• No deposit fees: jos55 does not charge fees on deposits. Your bank or e-wallet provider may apply their own transaction fees, which are the Member's responsibility.
• Declined deposits: If a deposit does not appear in your Account within 30 minutes, contact customer support with the transaction receipt. Do not attempt the same deposit multiple times before confirming the status of the first transaction.

The following rules apply to all withdrawal requests made from your jos55 Account:

• Minimum withdrawal: Rp 50.000 per transaction.
• KYC requirement: KYC verification must be completed before any withdrawal is processed. Withdrawals submitted before KYC completion will be queued and processed only upon successful verification.
• Processing time: Withdrawals for fully verified Accounts are typically processed within 15 minutes during operational hours (07:00–23:00 WIB, seven days a week). Withdrawals submitted outside operational hours will be processed at the start of the next operational period.
• Destination account: Withdrawals will only be sent to an Indonesian bank account or e-wallet registered in the Member's own name. Third-party withdrawals are prohibited.
• Consistency rule: Wherever possible, funds are returned via the same payment method used for the original deposit. If this is not possible, the Member must provide an alternative method that passes ownership verification.
• Bonus restrictions: Funds subject to an active Rollover Requirement cannot be withdrawn until that requirement is fully met. Attempting to withdraw before rollover completion will result in automatic forfeiture of outstanding Bonus Funds.
• Withdrawal fees: jos55 does not charge withdrawal fees for standard transactions. Where a Member requests an expedited or non-standard processing method, a fee may apply and will be disclosed before confirmation.

jos55 offers a range of bonuses and promotional offers to both new and existing Members. All promotions are governed by the specific terms published alongside each offer, in addition to the general provisions below:

• Welcome bonus: A 100% deposit match up to Rp 1.000.000 is available to new Members on their first qualifying deposit. The welcome bonus is available once per Member, per household, and per device.
• Rollover requirements: Unless stated otherwise, bonus funds must be wagered at least 10 times (10x) the combined value of the deposit and bonus before any withdrawal is permitted. The applicable rollover multiplier for each promotion is stated clearly on the promotion page.
• Eligible games: Not all games contribute equally to rollover requirements. Live casino games typically contribute 10–15% per bet staked; slots contribute 100%; sportsbook bets contribute 100% on selections with minimum odds of 1.50. The contribution rates for each game category are published in the Bonus Terms section of the Platform.
• Bonus expiry: Bonus funds and associated rollover requirements expire 7 days from the date of issue unless a specific promotion states otherwise. Expired Bonus Funds are automatically removed from the Account.
• Abuse prevention: jos55 reserves the right to withhold, void, or reclaim bonus funds and any winnings derived from them where there is reasonable evidence of bonus abuse, including but not limited to: duplicate account creation, coordinated low-risk betting strategies designed to meet rollover requirements without genuine gameplay risk, and use of automated betting tools.
• Promotional changes: jos55 reserves the right to modify, suspend, or withdraw any promotion at any time. Changes take effect immediately upon publication and do not affect bonus funds already credited to Accounts prior to the change.

All games available on the jos55 Platform — including casino games, live dealer tables, slots, and sportsbook betting — are governed by the rules of the respective game provider and jos55's sportsbook terms. By placing a bet or participating in any game, you acknowledge and accept the following:

• Game outcomes are determined by certified Random Number Generators (RNG) for digital casino and slot games, and by live studio environments for live dealer games. jos55 does not manipulate game outcomes.
• Sportsbook odds are set by jos55 and may change up to the moment a bet is accepted. The odds confirmed at the time of bet placement are final.
• In the event of a technical fault during a game round or a live dealer session, jos55 reserves the right to void the affected bet and return the staked amount to the Member's Account. No winnings will be paid on voided rounds.
• jos55 reserves the right to void any bet that was placed or accepted in error, including bets placed at manifestly incorrect odds due to a pricing error.
• For sportsbook mix parlay (multi-leg accumulator) bets, if one leg of the accumulator is voided, the bet is recalculated as if that leg had not been included, with the remaining legs standing.

The following conduct is strictly prohibited on the jos55 Platform. Engaging in any of the following may result in immediate account suspension, permanent closure, forfeiture of Balance, and reporting to relevant authorities where applicable:

• Providing false, misleading, or fraudulent information during registration or KYC.
• Opening or operating more than one Account, whether under your own name or an alias.
• Using the Platform for money laundering, fraud, or any other illegal financial activity.
• Depositing funds from a payment account not registered in your own name.
• Using automated tools, bots, scripts, or software to interact with the Platform in any way.
• Exploiting software bugs, errors, or vulnerabilities in the Platform. Any such bugs must be reported to customer support immediately.
• Engaging in collusion with other Members or third parties to gain an unfair advantage in any game.
• Attempting to access another Member's Account without authorisation.
• Engaging in abusive, threatening, or discriminatory communication with any jos55 staff member or other Member via any support channel.
• Using a VPN, proxy, or other IP-masking technology to circumvent geographic or account-level restrictions placed by jos55.

All content on the jos55 Platform — including but not limited to logos, graphics, game interfaces, text, software, code, domain names, and trade names — is the property of jos55 or its licensed content providers. Nothing in these Terms grants you any right, title, or interest in jos55's intellectual property. You may not reproduce, copy, distribute, modify, reverse-engineer, or commercially exploit any part of the Platform's content without the prior written consent of jos55.

The jos55 name and logo are protected trade marks. Unauthorised use of the jos55 mark — including in domain names, social media handles, or marketing materials — is prohibited and may result in legal action.

jos55 collects and processes personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference. By registering an Account, you consent to the collection, storage, and processing of your personal data as described in the Privacy Policy. In summary:

• Personal data is collected for the purposes of account management, KYC compliance, fraud prevention, and customer support.
• jos55 does not sell your personal data to third parties for marketing purposes.
• Data is retained for as long as your Account is active and for the period required by applicable record-keeping obligations after closure.
• You have the right to request access to, correction of, or deletion of your personal data by contacting our support team, subject to any legal retention requirements that override deletion requests.

jos55 is committed to promoting responsible gaming and providing a safe environment for all Members. The Platform is intended for entertainment purposes only. We strongly encourage all Members to set personal limits and to seek help if they feel their gaming behaviour is becoming problematic.

• Deposit limits: Members may set daily, weekly, or monthly deposit caps directly from their Account dashboard. Reductions to existing limits take effect immediately. Requests to increase limits are subject to a mandatory 24-hour cooling-off period.
• Time-out: Members may activate a voluntary time-out of 24 hours, 7 days, or 30 days. During a time-out, login to the Account is disabled and no deposits or bets may be placed.
• Self-exclusion: Members may request short-term (3 months, 6 months, 12 months) or permanent self-exclusion. Permanent self-exclusion cannot be reversed. During any self-exclusion period, jos55 will take reasonable steps to prevent the excluded Member from opening a new Account.
• Reality checks: The Platform provides optional session duration reminders to help Members stay aware of the time spent gaming.

For further guidance, please review our dedicated Responsible Gaming page. If you are concerned about your gambling, please contact our 24/7 support team.

To the fullest extent permitted by applicable law, jos55 and its officers, directors, employees, and agents shall not be liable for any loss or damage arising from or in connection with your use of the Platform, including but not limited to:

• Loss of winnings or gaming profits resulting from Platform unavailability, technical faults, or Force Majeure Events.
• Any indirect, incidental, consequential, or punitive damages, regardless of the cause or the theory of liability.
• Losses resulting from unauthorised access to your Account where such access results from your failure to maintain adequate credential security.
• Losses arising from your reliance on information published on the Platform, including game rules, odds, or promotional terms that were subsequently corrected.

Where jos55 is found liable for any direct loss or damage, jos55's total aggregate liability to you shall not exceed the total value of deposits made by you to your Account in the 30-day period immediately preceding the event giving rise to the claim.

Nothing in this clause limits or excludes jos55's liability for fraud, wilful misconduct, or any other liability that cannot be excluded or limited under applicable law.

Either party may terminate the Member's Account under the following circumstances:

• Voluntary closure by Member: You may close your Account at any time by contacting customer support. Any real-money Balance remaining in your Account at the time of closure will be withdrawn to your registered payment method after identity confirmation, provided KYC has been completed and no active bonus rollover obligations remain.
• Closure by jos55 for breach: jos55 reserves the right to suspend or permanently close any Account, with or without prior notice, where there is reasonable evidence of a breach of these Terms, fraudulent activity, money laundering, or any prohibited conduct as described in Clause 9. In cases of confirmed fraud or breach, any Balance in the Account may be forfeited.
• Closure by jos55 for inactivity: Accounts that have recorded no login activity for a continuous period of 12 months may be classified as inactive. jos55 will make reasonable efforts to contact the Member via their registered email before any administrative action is taken on an inactive Account.

jos55 reserves the right to amend these Terms & Conditions at any time. Where changes are material, jos55 will provide notice to Members via the registered email address or via a prominent notice on the Platform at least 7 days before the amended Terms take effect. Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the amended Terms, you must close your Account before the effective date.

The most current version of these Terms is always available at jos55.bio/terms-conditions. The "Last Reviewed" date at the top of this document indicates when the Terms were most recently updated.

These Terms & Conditions and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws applicable to the jurisdiction in which jos55 is incorporated and licensed. To the extent permitted by law, you agree to submit to the exclusive jurisdiction of the competent courts in that jurisdiction for the resolution of any dispute.

Where any provision of these Terms is found to be invalid, unlawful, or unenforceable by a competent court, that provision shall be deemed severed from the remainder of the Terms, which shall continue in full force and effect.

If you have any questions about these Terms & Conditions, wish to make a complaint, or need to contact the jos55 compliance or support team for any purpose related to these Terms, please use the following contact method:

For general account support, deposits, withdrawals, and game-related queries, please use the live chat function available on the Platform or visit our FAQ page for answers to common questions.