Last updated: 12 June 2026 | Effective immediately upon account registration
These Terms and Conditions ("Agreement") constitute a legally binding contract between you ("Member", "User", "you") and payung44 ("payung44", "we", "us", "the Platform") governing your access to and use of the payung44 website located at payung44.co and all associated gaming services, products, and features offered thereon. By registering an account, depositing funds, or participating in any payung44 gaming activity, you acknowledge that you have read, understood, and agree to be bound by this Agreement in its entirety.
payung44 reserves the right to amend these Terms and Conditions at any time. Material changes will be communicated to registered Members via the email address or mobile number on file. Continued use of the payung44 platform following the effective date of any amendment constitutes your acceptance of the revised Terms.
1.1 The payung44 platform is strictly restricted to individuals who are twenty-one (21) years of age or older at the time of registration. By creating an account, you represent and warrant that you satisfy this age requirement. payung44 may request documentary proof of age at any time, and failure to provide satisfactory documentation may result in account suspension and forfeiture of any pending withdrawals.
1.2 Registration on payung44 is limited to one (1) account per individual, per household, and per device. The creation of duplicate or multiple accounts is strictly prohibited and constitutes grounds for immediate account termination and forfeiture of balances.
1.3 You must provide accurate, complete, and current information during registration, including your full legal name as it appears on a government-issued identification document (MyKad, passport, or equivalent), a valid Malaysian mobile telephone number, and a valid email address. Providing false registration information is a material breach of this Agreement.
1.4 payung44 reserves the right to decline any registration application at its sole discretion without obligation to provide reasons for such refusal.
Age Verification: payung44 conducts age and identity verification as part of the Know Your Customer (KYC) process. Accounts will not be permitted to withdraw funds until KYC documentation has been reviewed and approved. Misrepresentation of age is a serious breach that may be referred to relevant authorities.
2.1 You are solely responsible for maintaining the confidentiality of your payung44 account credentials, including your username, password, and any two-factor authentication codes. You must not share your login credentials with any third party under any circumstances.
2.2 You accept full responsibility for all activity conducted through your payung44 account, whether authorised by you or not, unless you have promptly notified payung44 of any suspected unauthorised access. payung44 strongly recommends enabling two-factor authentication (2FA) on your account as an additional security measure.
2.3 You must notify payung44 customer support immediately if you suspect that your account has been accessed without your authorisation, your login credentials have been compromised, or any transaction on your account was not initiated by you.
2.4 You agree that your payung44 account is for your personal use only. Commercial use, including the operation of your account on behalf of a third party or for the purpose of arbitrage, is prohibited.
3.1 All transactions on the payung44 platform are denominated in Malaysian Ringgit (MYR). payung44 accepts deposits via Touch n Go eWallet, Boost, FPX (online banking via Maybank, CIMB, Public Bank, and other participating financial institutions), and bank wire transfer.
3.2 The minimum deposit amount is RM 30. There is no maximum deposit limit for standard accounts; however, payung44 may impose enhanced due diligence requirements on large deposit transactions in accordance with applicable regulatory obligations.
3.3 Withdrawal requests are processed to your registered payment method only. payung44 does not transfer funds to third-party accounts. The minimum withdrawal amount is RM 50. Standard withdrawal processing times are as follows:
3.4 payung44 reserves the right to request supporting documentation before processing withdrawal requests, including but not limited to proof of identity, proof of payment method ownership, and source-of-funds documentation. This is a standard anti-money laundering requirement applicable to all licensed gaming platforms.
3.5 Deposits that cannot be matched to a registered payung44 account will be held for a period of 30 days pending verification. Unclaimed deposits will be returned to the originating payment method after this period.
4.1 All bets and wagers placed on the payung44 platform are final once confirmed. payung44 does not accept requests to cancel or amend confirmed bets except in circumstances where payung44 determines at its sole discretion that a manifest error has occurred.
4.2 Manifest Error: A manifest error is defined as an obvious and palpable mistake, including but not limited to incorrect odds, prices, or lines resulting from a technical malfunction or human data entry error. payung44 reserves the right to void any bet placed at odds or under conditions that resulted from a manifest error, regardless of whether the bet has already been settled.
4.3 payung44 reserves the right to limit stakes, restrict betting markets, or decline individual wagers at its discretion without providing reasons. This right is exercised to manage risk and is not an indication of any wrongdoing by the Member.
4.4 Where live in-play betting is available on the payung44 Sportsbook, bets are accepted subject to the availability of real-time data feeds. Delays in data transmission during live events (including Malaysia Super League, EPL, UFC, and other live sports) may result in bets being declined or, in the event of a manifest pricing error, voided after acceptance.
4.5 Random Number Generator (RNG) games and live casino games available through payung44 Casino are subject to the published rules of each individual game. RNG game outcomes are determined by certified random number generation technology and cannot be influenced by any party, including payung44.
5.1 payung44 may offer bonuses, free bets, cashback promotions, and other incentive programs to Members from time to time. Each promotion is subject to its own specific terms and conditions, which will be published on the relevant promotion page and shall be read in conjunction with this Agreement.
5.2 Wagering requirements, minimum odds restrictions, game contribution percentages, time limits, and maximum bonus conversion limits apply to all bonus funds unless explicitly stated otherwise in the specific promotion terms.
5.3 payung44 reserves the right to withdraw, modify, or cancel any bonus or promotion at any time without prior notice. In such circumstances, the bonus or any associated winnings accrued to date will be forfeited.
5.4 Bonus abuse — including but not limited to the creation of multiple accounts to claim the same promotion, collusion between Members to exploit bonus structures, or any other practice deemed by payung44 to be contrary to the spirit of promotional offers — is prohibited and will result in account termination and forfeiture of any associated funds.
6.1 The following conduct is strictly prohibited on the payung44 platform:
Consequences of Prohibited Conduct: Violation of any of the prohibitions listed above may result in immediate account suspension, permanent account termination, forfeiture of account balance, recovery of any funds paid out in connection with the prohibited conduct, and where applicable, referral to law enforcement authorities.
7.1 payung44 is committed to promoting responsible gaming. The platform provides every Member with access to the following responsible gaming tools directly from their account settings: deposit limits (daily, weekly, monthly), session time limits and reality check reminders, cooling-off periods (temporary suspension), and permanent self-exclusion.
7.2 If you wish to self-exclude from payung44, you may do so by accessing the Responsible Gaming section of your account settings or by contacting payung44 customer support. Self-exclusion requests will be processed within 24 hours. During a self-exclusion period, payung44 will take reasonable steps to prevent you from re-registering or accessing the platform.
7.3 payung44 does not extend credit to Members. All gaming activity must be funded from your personal MYR wallet balance. If gambling is adversely affecting your financial situation, relationships, or mental health, please visit our Responsible Gaming page for further information and support resources.
8.1 All content on the payung44 platform — including but not limited to the payung44 brand name, logo, website design, software, game interfaces, text, graphics, and data compilations — is the intellectual property of payung44 or its licensed content providers and is protected by applicable copyright, trademark, and intellectual property laws.
8.2 You are granted a limited, non-exclusive, non-transferable licence to access and use the payung44 platform for personal gaming purposes only. You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any payung44 content without prior written authorisation.
9.1 The payung44 platform is provided on an "as is" and "as available" basis. payung44 makes no representations or warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or uninterrupted service availability.
9.2 To the maximum extent permitted by applicable law, payung44 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the payung44 platform, including but not limited to loss of winnings, loss of data, or financial loss arising from technical malfunctions, service interruptions, or connectivity issues.
9.3 payung44's total aggregate liability to you for any claim arising from this Agreement shall not exceed the total net deposits made by you to payung44 in the thirty (30) days immediately preceding the event giving rise to the claim.
10.1 payung44 reserves the right to suspend or terminate any Member account at any time, with or without notice, if payung44 reasonably believes that the Member has violated this Agreement, engaged in fraudulent activity, or if required to do so by a regulatory or legal authority.
10.2 Upon account termination for cause, any remaining balance may be forfeited at payung44's discretion, subject to applicable regulatory requirements. Upon voluntary account closure by the Member, any remaining MYR balance will be returned to the Member's registered payment method after completion of final KYC and AML verification checks.
10.3 A Member who wishes to close their payung44 account voluntarily may do so by contacting customer support via live chat or email. Account closure requests will be processed within 5 business days.
11.1 This Agreement and all matters arising out of or in connection with it shall be governed by and construed in accordance with applicable international gaming regulations and the laws of the jurisdiction in which payung44 holds its operating licence.
11.2 In the event of a dispute between you and payung44, you should first contact payung44 customer support to seek an informal resolution. payung44 will endeavour to respond to all formal dispute submissions within 10 business days.
11.3 If a dispute cannot be resolved through informal means, it may be referred to an independent dispute resolution service as specified by payung44's regulatory authority. The decision of the independent dispute resolution service shall be final and binding on both parties.
For any queries relating to these Terms and Conditions, please contact the payung44 compliance and support team through the following channels:
All payung44 services are exclusively available to persons aged 21 or older. Age verification is mandatory before first withdrawal.
All deposits, bets, and withdrawals are processed in Malaysian Ringgit with no currency conversion fees via Touch n Go, Boost, or FPX.
payung44 enforces a strict one-account-per-individual policy. Duplicate accounts are terminated and associated balances forfeited.
Deposit limits, session timers, cooling-off periods, and permanent self-exclusion are built into every payung44 account as standard.
payung44 is required to verify member identity and conduct anti-money laundering checks prior to processing withdrawal transactions.
For any dispute or compliance query, payung44 customer support is available around the clock via live chat, with formal queries acknowledged within 2 business days.
Our support team is available 24/7 to help with any queries about your account, transactions, or these Terms. Alternatively, log in to manage your account settings and responsible gaming tools directly.
Log In to payung4421+ only. Gambling involves financial risk. Please play responsibly.