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Terms & Conditions That Protect Your Account

When you open an account with kartoto, you're agreeing to a straightforward set of rules designed to keep your money safe, your withdrawals clear, and your access consistent.

Account security verified by emailWithdrawal requests processed within 24 hoursDeposits clear in under 60 seconds via DANA, OVO, GoPay and QRIS
Explore the Lobby Read FAQ
kartoto Terms & Conditions That Protect Your Account
GET HELP WITH TERMS

How to Contact Us About These Terms

If any part of our terms is unclear, or if you have a dispute about a transaction, account access or a payout, we have support channels open across multiple times of day…

Live Chat Real-time answers to term questions and account disputes. Open during platform hours. Connect directly from the lobby or your account settings.
Email Support Send documentation or formal inquiries about your account or these terms. We respond within 24 hours with written confirmation you can keep.
Account Messaging Open a ticket inside your account dashboard to log term violations, suspicious activity or withdrawal hold-ups. Track responses in one place.
SECURITY & YOUR DATA

How We Protect Your Account and Information

These terms include our commitment to keep your account secure, your payment data encrypted and your personal details private.

Password & Two-Factor

Your login is protected by password and optional two-factor authentication via SMS or email. You control access to your account. Reset your password anytime from the login screen.

Payment Data Encryption

Deposits and withdrawals are encrypted end-to-end. DANA, OVO, GoPay and QRIS transactions are processed through secure payment gateways — we never store your full bank details.

Account Verification

Before you withdraw, we verify your identity against your registered name and date of birth. This prevents fraud and keeps your money within your control.

Data Retention

Account data is kept for 5 years after closure to comply with local financial law. Transaction history is yours to download anytime. Request a full export via support.

Dispute Documentation

Every transaction, bonus applied and withdrawal request is logged with a timestamp. You can request full documentation of any account event for resolution.

Changes to Terms

If we update these terms, we notify you 14 days in advance via email and in-app message. You can accept the new terms or close your account before they take effect.

Terms & Conditions Questions From Our Players

These FAQs address the questions we hear most often about how our terms apply to your account, your money and your access to the lobby.

Your account cannot process deposits or withdrawals if your registered name, date of birth or identity details do not match the government ID we verify during registration. If you attempt to register with false information, we close the account immediately. Always use your correct legal name and date of birth.

No. The payment account must be registered in your name. When you deposit, we verify the account holder's identity matches your registered identity. Deposits from other people's accounts will be rejected or reversed, and your account may be suspended pending investigation.

Withdrawal requests are processed within 24 hours. Once approved, funds return to your DANA, OVO, GoPay, QRIS or bank account in under 60 seconds. If a withdrawal is delayed beyond 24 hours, contact support immediately with your withdrawal reference number for status.

You can close your account anytime from account settings. Before closure, you must withdraw or forfeit any remaining balance. Once closed, your account cannot be reopened. All transaction history remains on file for 5 years if you need to request past statements.

No. If we make material changes to these terms, we email you 14 days before they go live and post a notice in your account dashboard. You can accept the new terms or close your account before they take effect. Continuing to play after the notice date means you accept the new terms.

Account eligibility depends on local law. You must be legally permitted to hold an account where you are located. Your registered date of birth is verified during account creation and before any withdrawal is approved.

Open a support ticket via live chat, email or your account dashboard. Include your account reference number and transaction ID. We respond within 24 hours with documentation and next steps. For data requests, we provide a full export within 30 days of your request.

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