Terms & Conditions — pand4

In these Terms & Conditions, the following terms have the meanings ascribed to them below unless the context expressly requires otherwise:

To register and maintain an active pand4 account, you must satisfy all of the following eligibility requirements at all times:

• You must be a natural person (not a corporation, trust, or other legal entity).
• You must be at least 21 years of age. pand4 is strictly an adults-only platform. Access by individuals under 21 is prohibited.
• You must be accessing the Platform from a jurisdiction in which online gaming is not expressly prohibited by applicable law as it applies to you personally.
• You must not be a current or former employee, officer, director, contractor, or agent of pand4 or any of its affiliated entities, nor an immediate family member of any such person, unless prior written approval has been granted by pand4's compliance team.
• You must not have been previously excluded, suspended, or banned from the pand4 platform or any affiliated platform for a breach of these Terms & Conditions.
• You must be acting on your own behalf and not as an agent or representative of any third party.
• You must have the legal capacity to enter into a binding contract under the laws applicable to you.

pand4 reserves the right to request documentary proof of eligibility at any time. Failure to provide satisfactory documentation within the timeframe specified by pand4 may result in account suspension or closure.

To access pand4's real-money gaming Services, you must register a verified account. The following conditions apply to account registration and maintenance:

• One Account Per Person: Each individual may hold only one active pand4 account. Opening multiple accounts — whether under the same or different identities — constitutes a breach of these Terms & Conditions and may result in the forfeiture of all balances and permanent account closure.
• Accurate Information: You must provide complete, accurate, and current personal information during registration, including your full legal name, date of birth, Indonesian national identity number (NIK) or passport number, residential address, and a valid contact email address and mobile phone number.
• Account Security: You are solely responsible for maintaining the confidentiality of your username and password. pand4 strongly recommends enabling two-factor authentication (2FA) via Indonesian SMS OTP. You must notify pand4 immediately at [email protected] if you suspect any unauthorised access to your account.
• Non-Transferability: Your pand4 account is strictly personal and non-transferable. You may not sell, assign, or transfer your account or any funds within it to any third party.
• KYC Compliance: Before your first withdrawal, you will be required to complete pand4's Know Your Customer (KYC) process by submitting a valid government-issued photo ID (KTP or passport), proof of address, and — where required — proof of the payment method used for deposit.

pand4 reserves the right to decline any registration application without providing a reason. Account approval is at pand4's sole discretion and subject to ongoing compliance checks.

All financial transactions on pand4 are processed in Indonesian Rupiah (IDR / Rp). The following terms govern deposits and withdrawals:

4.1 Deposits

• The minimum deposit amount is Rp 25.000. There is no maximum deposit limit imposed by pand4, though individual payment providers may apply their own transaction limits.
• Accepted deposit methods include: BCA, BRI, BNI, Mandiri, CIMB Niaga, BSI (Bank Syariah Indonesia), Bank Permata, OVO, DANA, GoPay, ShopeePay, and LinkAja.
• Deposits are typically credited to your pand4 account within minutes of confirmation by the payment provider. pand4 is not responsible for delays caused by banking or e-wallet processing times outside its control.
• You must only deposit funds from payment methods registered in your own name. Third-party deposits are strictly prohibited and will result in account suspension pending investigation.
• pand4 does not charge a fee for deposits; however, your bank or e-wallet provider may apply their own transaction charges.

4.2 Withdrawals

• The minimum withdrawal amount is Rp 50.000.
• Withdrawals are processed to the same payment method used for the most recent deposit, wherever technically possible, to comply with anti-money-laundering requirements.
• pand4 targets an average withdrawal processing time of under 15 minutes, 24 hours a day including Indonesian public holidays. This target is indicative and not a contractual guarantee; processing times may be extended during periods of high transaction volume or when additional verification is required.
• pand4 does not charge withdrawal fees on its side. Bank transfer fees imposed by BCA, BRI, BNI, Mandiri, or other financial institutions are the responsibility of the player.
• Withdrawal requests may be subject to a security review. pand4 reserves the right to request additional KYC documentation before approving any withdrawal, particularly for large-value or first-time withdrawals.
• Funds originating from active Bonus balances that have not yet met the applicable wagering requirement are not eligible for withdrawal until the wagering requirement has been satisfied.

pand4 offers a variety of bonuses and promotional offers to eligible registered players. All bonuses are subject to the following general terms, in addition to any specific terms communicated with each individual promotion:

• Bonuses are available exclusively to players who have completed account registration and, where required, KYC verification.
• Each promotion specifies its own eligibility criteria, minimum qualifying deposit, wagering requirement, game contribution rates, maximum bet restriction during bonus play, and expiry period. These specific terms are published on the relevant promotion page and take precedence over these general bonus terms where there is a conflict.
• Unless a promotion's specific terms state otherwise, the standard wagering requirement for deposit match bonuses is 30x the combined deposit and bonus amount. Wagering requirements must be met within 30 calendar days of the bonus being credited. Unmet bonus funds expire at the end of this period.
• During active bonus play, the maximum permitted bet per spin or per round is Rp 50.000 unless the promotion's specific terms state a different limit. Bets exceeding this limit while a bonus is active may result in the bonus and any associated winnings being voided.
• Not all games contribute equally to wagering requirements. Slot games from Pragmatic Play and Pocket Games Soft typically contribute 100%. Live casino games, including Evolution Gaming titles, typically contribute 10%. Sportsbook bets contribute at a rate specified in the relevant promotion. These rates are subject to change and are published on the promotions page.
• pand4 reserves the right to modify, cancel, or withdraw any promotion at any time with reasonable notice. In the event of a suspected technical error or abuse, pand4 reserves the right to void bonus awards and associated winnings pending investigation.
• Bonuses may not be transferred, sold, or assigned to any third party.
• pand4 will not pay out winnings derived from a bonus where it has reasonable grounds to believe the bonus was obtained or used in a fraudulent, abusive, or collusive manner.

All games available on pand4 are subject to the following rules in addition to any game-specific rules communicated within the game interface:

• Certified RNG: All pand4 casino and slot games use certified random number generators (RNGs) audited by independent testing laboratories. Results are determined purely by chance and are not manipulable by pand4 or any player.
• Published RTP: The theoretical return-to-player (RTP) percentage for each game is published within the game's information panel. Actual returns over any individual session may differ substantially from the published theoretical RTP.
• Technical Malfunction: In the event of a game, software, or connectivity malfunction, pand4 reserves the right to void the affected game round and refund the applicable wager. Game results that are voided due to technical error do not give rise to any payout obligation on pand4's part.
• Sportsbook Odds: Odds for all sportsbook markets — including BRI Liga 1, EPL, La Liga, Serie A, Bundesliga, Champions League, AFF Cup, and all other listed markets — are set by pand4 and are subject to change up to the moment a bet is accepted. The odds displayed at the time a bet slip is confirmed are the odds that apply to that wager.
• Bet Acceptance: pand4 reserves the right to reject or limit any bet at its sole discretion, including bets that exceed individual or aggregate risk limits.
• Obvious Errors: In the event that a price or odds is published due to an obvious error (e.g., a market priced significantly out of line with the true probability), pand4 reserves the right to void bets placed at the erroneous price after notifying affected players.

pand4 is committed to providing a safe, fair, and responsible gaming environment. We provide every registered player with a suite of tools designed to help maintain control over their gaming activity:

• Deposit Limits: Set daily, weekly, or monthly deposit limits directly from your account dashboard. Limit reductions take effect immediately; limit increases are subject to a 24-hour cooling-off period.
• Loss Limits: Set the maximum amount you are willing to lose over a defined period. Once the limit is reached, no further wagers can be placed until the limit period resets.
• Session Time Alerts: Configure in-session reminders to notify you when you have been playing for a specified duration.
• Reality Check Prompts: Receive periodic on-screen notifications displaying your net session result and time spent playing.
• Cooling-Off Period: Temporarily suspend your account for a period of between 24 hours and 6 weeks. During this period, you cannot log in, deposit, or wager.
• Self-Exclusion: Permanently exclude yourself from pand4. Self-exclusion requests are irrevocable for the minimum exclusion period chosen (between 6 months and 5 years or permanent). During self-exclusion, pand4 will take reasonable steps to prevent marketing communications from reaching you.

If you believe that gaming is negatively affecting your life or the life of someone close to you, we encourage you to visit our dedicated Responsible Gaming page for self-assessment resources and guidance on professional support organisations available throughout Indonesia.

The following activities are strictly prohibited on pand4 and may result in immediate account suspension, forfeiture of balances, and permanent ban, as well as referral to law enforcement authorities where applicable:

• Opening or operating more than one account on the platform.
• Providing false, misleading, or fraudulent personal information during registration or KYC verification.
• Using stolen, unauthorised, or fraudulently obtained payment instruments to make deposits.
• Engaging in money laundering, structuring transactions to evade reporting thresholds, or using pand4 for any other purpose connected with financial crime.
• Exploiting software bugs, glitches, errors, or loopholes in pand4's platform for personal gain. Any such exploitation must be reported to pand4 immediately; failure to do so constitutes a breach of these Terms & Conditions.
• Using automated tools, bots, scripts, or artificial intelligence to place bets, spin reels, or otherwise interact with pand4's Services in a non-human manner.
• Colluding with other players in live dealer games, poker, or any other multiplayer game format to gain an unfair advantage.
• Abusing bonus offers through systematic exploitation, including but not limited to: bonus hunting across multiple accounts, arbitrage strategies designed to lock in risk-free profit from promotions, and coordinated bonus abuse with other players.
• Attempting to hack, disrupt, or compromise the security or integrity of pand4's platform, servers, or networks.
• Accessing pand4 through a virtual private network (VPN), proxy, or other circumvention tool for the purpose of misrepresenting your geographic location or bypassing access restrictions.

All content on the pand4 platform — including but not limited to the pand4 brand name, logo, trademarks, website design, software, game interfaces, graphics, text, and promotional materials — is the exclusive intellectual property of pand4 or is used under licence from the applicable rights holder.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use pand4's platform solely for your personal, non-commercial entertainment purposes. This licence does not permit you to:

• Copy, reproduce, distribute, publish, or display any part of the pand4 platform without prior written consent.
• Create derivative works based on pand4's intellectual property.
• Reverse-engineer, decompile, or disassemble any software forming part of the pand4 platform.
• Use pand4's brand name, logo, or trademarks in any manner that implies affiliation with, endorsement by, or sponsorship from pand4.

Any unauthorised use of pand4's intellectual property is a breach of these Terms & Conditions and may give rise to civil and criminal liability.

pand4 collects, processes, stores, and uses your personal data in accordance with its Privacy Policy, which is incorporated into these Terms & Conditions by reference. By registering a pand4 account, you consent to the collection and use of your personal data as described in the Privacy Policy.

Key data practices include:

• Personal data collected during registration and KYC is used to verify your identity, process transactions, detect fraud, and comply with applicable legal and regulatory requirements.
• pand4 employs 256-bit SSL encryption for all data in transit and maintains strict access controls for data at rest.
• pand4 does not sell your personal data to third parties for marketing purposes. Data may be shared with licensed third-party game providers (such as Evolution Gaming, Pragmatic Play, and Pocket Games Soft), payment processors, and compliance service providers strictly as necessary to deliver the Services.
• You have the right to request access to, correction of, or deletion of your personal data held by pand4, subject to applicable legal retention requirements. Requests should be directed to [email protected].

To the maximum extent permitted by applicable law, pand4's total aggregate liability to any player for any claim arising out of or in connection with these Terms & Conditions or the use of the pand4 platform shall be limited to the total amount deposited by that player in the 30-day period immediately preceding the event giving rise to the claim.

pand4 expressly excludes liability for:

• Loss of profits, loss of data, loss of goodwill, or any other indirect, consequential, or economic losses, whether or not such losses were foreseeable at the time of the relevant event.
• Service interruptions, downtime, or inaccessibility caused by factors outside pand4's reasonable control, including but not limited to: internet service provider failures, power outages, acts of God, government action, or cyber-attacks by third parties.
• Losses arising from the player's failure to maintain account security, including unauthorised access resulting from the player's own negligence.
• Decisions made by third-party payment providers, banks, or e-wallets including BCA, BRI, BNI, Mandiri, OVO, DANA, or GoPay that affect the availability or timing of payment processing.

Nothing in these Terms & Conditions limits pand4's liability for fraud, fraudulent misrepresentation, death, or personal injury caused by pand4's own negligence, to the extent such limitation is prohibited by applicable law.

12.1 Termination by Player: You may close your pand4 account at any time by contacting our support team at [email protected]. Before closure, any remaining real-money balance (excluding uncleared bonus funds that have not met wagering requirements) will be returned to you via your registered payment method, subject to KYC verification being complete.

12.2 Termination by pand4: pand4 reserves the right to suspend or permanently close any account, with immediate effect and without prior notice, where:

• pand4 reasonably believes the player has breached any provision of these Terms & Conditions.
• The player has engaged in prohibited conduct as defined in Clause 8.
• pand4 is required to do so by applicable law, regulation, or order of a competent authority.
• The player has failed to complete KYC verification within the timeframe requested by pand4.
• pand4 determines, in its sole discretion, that continuing to provide services to the player presents an unacceptable legal, regulatory, reputational, or financial risk.

In the event of account closure by pand4 due to a breach of these Terms & Conditions, any balance in the account — including both real-money and bonus funds — may be forfeited at pand4's discretion. pand4 will provide written notification of the reason for closure where legally permissible.

pand4 operates as a licensed and regulated international online gaming platform. These Terms & Conditions are governed by and shall be construed in accordance with the laws of the jurisdiction in which pand4 holds its operating licence. Details of pand4's licence are available upon written request to [email protected].

Any dispute arising out of or in connection with these Terms & Conditions that cannot be resolved through pand4's internal complaints process (see Clause 15) shall be referred to binding arbitration conducted in English under the rules of the applicable arbitral institution designated by pand4's licensing authority. The arbitral award shall be final and binding on both parties.

Nothing in this clause prevents a player from seeking interim injunctive or other equitable relief from a court of competent jurisdiction where necessary to protect their immediate interests.

pand4 reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, pand4 will:

• Publish the revised Terms & Conditions on this page with an updated Effective Date.
• Notify registered players via the email address associated with their account at least 7 calendar days before the changes take effect, where the changes materially affect player rights or obligations.
• In cases of urgent regulatory or legal necessity, pand4 may implement changes with immediate effect and provide notice as soon as reasonably practicable thereafter.

Your continued use of the pand4 platform following the publication of revised Terms & Conditions constitutes your acceptance of those revised terms. If you do not agree to the revised terms, you must cease using the platform and may request account closure in accordance with Clause 12.1.

If you have any questions, concerns, or complaints relating to these Terms & Conditions or to your pand4 account, please contact us through one of the following channels:

• Live Chat: Available 24/7 directly on the pand4 platform — our fastest response channel.
• Email: [email protected] — for formal complaints and account-related enquiries requiring a written record.
• WhatsApp: +62 800 PAND4 (available 08:00–24:00 WIB).

pand4 operates a formal complaints resolution process. All written complaints received by email will be acknowledged within 24 hours and a substantive response provided within 5 business days. If you are not satisfied with pand4's response, you may escalate your complaint to pand4's licensing authority in accordance with Clause 13.

All correspondence with pand4's support team is conducted in English. Indonesian-speaking agents are available via live chat around the clock for players who prefer to communicate in Bahasa Indonesia, though formal legal correspondence must be in English.