How We Handle Rules, Rights and Responsibilities

The terms that govern your hibikiwin16 account exist to make the relationship between us and you clear. Your account is personal — it cannot be transferred, shared or operated on behalf of another person. When you use DANA, OVO or GoPay to fund your account, the

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   transaction records tied to those wallets form part of your account verification history. We may request proof that the wallet you use matches the name on your account before processing certain actions, including withdrawals. Eligibility to access our services depends on whether your region and activity

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   type are permitted under applicable local law. If your location or account status falls outside eligible criteria, we may restrict or suspend access without prior notice. Our liability in any dispute is limited to the balance held in your account at the time the dispute is

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   raised. We do not accept liability for losses arising from connectivity issues, device failure or third-party payment delays outside our control. All policy terms are subject to revision. Where a material change affects your account conditions, we will communicate this through the contact channel registered to

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   your account. Continuing to use the service after a notified change constitutes acceptance of the updated terms.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.