Terms & Conditions

Definitions

In these Terms & Conditions, the following terms carry the meanings assigned below unless context clearly requires otherwise:

• "matoto" / "the Company" / "we" / "us" / "our" — refers to the legal entity operating the online betting platform accessible at https://matoto.cam, incorporated and licensed under applicable international gaming jurisdictions.
• "Platform" — the matoto website (https://matoto.cam), any associated mobile-optimized versions, APIs, and related digital services.
• "User" / "Player" / "you" / "your" — any individual who accesses the Platform, whether or not a registered account holder.
• "Account" — the registered member account opened by a User upon successful completion of the registration process.
• "Wallet" — the in-platform balance attributed to a User's Account, denominated in Indonesian Rupiah (IDR / Rp).
• "Bet" / "Wager" — any amount staked by a User on a sports event, casino game, togel (lottery) draw, or any other gaming product offered on the Platform.
• "Bonus" — any promotional credit, free bet, cashback, or other incentive offered by matoto under specific terms and conditions.
• "KYC" — Know Your Customer; the identity and document verification procedures mandated under our compliance obligations.
• "WIB" — Western Indonesia Time (UTC+7), the reference time zone used for all scheduled events, withdrawal processing windows, and customer support hours.

Eligibility

Access to and use of the matoto Platform is conditional upon meeting each of the following eligibility criteria simultaneously:

1. Age: You must be at least 21 years of age. matoto strictly prohibits access by minors. By registering, you represent and warrant that you are 21 or older. We reserve the right to request age-verification documentation at any time.
2. Jurisdiction: You must be accessing the Platform from a jurisdiction where doing so is not explicitly prohibited by local law. Residents of jurisdictions that impose criminal liability on individual online gamblers are advised to seek independent legal counsel before participating.
3. Capacity: You must have full legal capacity to enter into binding agreements under the laws applicable to you.
4. Sole Account: You may hold only one (1) registered Account on the Platform. Duplicate or multi-account registration is prohibited and will result in immediate suspension and forfeiture of balances.
5. Not a matoto Employee: Employees, contractors, directors, officers, and immediate family members of matoto or its affiliated companies are not eligible to participate in real-money gaming on the Platform.
6. Not Self-Excluded: You must not have voluntarily placed yourself on a self-exclusion list or be subject to a formal exclusion order relating to the Platform.

Account Registration

To access real-money gaming products on the matoto Platform, you must create a registered Account. The registration process requires you to provide, at minimum:

• Your full legal name as it appears on government-issued identification
• A valid date of birth confirming you are 21 or older
• A valid, active email address owned and controlled solely by you
• A mobile phone number registered in your name
• A secure password of your choosing (minimum 8 characters, combining letters and numbers)

3.1 Accuracy of Information

All information provided during and after registration must be accurate, current, and complete. You undertake to update your Account details promptly whenever changes occur. matoto bears no liability for losses arising from outdated or inaccurate information provided by you.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. Do not share your username or password with any third party. You agree to notify matoto's support team immediately at [email protected] if you suspect unauthorized access to your Account.

3.3 Account Suspension and Closure

matoto reserves the right to suspend, restrict, or permanently close any Account at its sole discretion, including but not limited to cases involving fraud, breach of these Terms, abusive conduct toward staff, or failure to complete KYC verification within the required timeframe.

Identity Verification (KYC)

In accordance with our anti-money-laundering (AML) obligations and responsible gaming commitments, matoto applies Know Your Customer (KYC) procedures to all Accounts. Verification may be triggered at registration, before processing a withdrawal, after a significant change in account activity, or at any time determined necessary by our compliance team.

4.1 Documents Required

• Proof of Identity: National Identity Card (KTP), Passport, or Driver's License — must be government-issued, valid, and clearly legible.
• Proof of Address: Utility bill, bank statement, or official government correspondence dated within the past three (3) months, showing your registered address.
• Proof of Payment Method: Screenshot or scan of the bank account or e-wallet used to fund your matoto Account, confirming that the payment method belongs to you.

4.2 Verification Timeframe

matoto aims to complete KYC reviews within 24–48 hours of receiving all required documents. Pending verification, withdrawal requests may be held. We are not liable for delays caused by unclear, inconsistent, or incomplete documentation submitted by you.

Deposits

matoto accepts deposits exclusively through the following approved payment channels available to Indonesian players:

• Local Bank Transfer: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, BSI (Bank Syariah Indonesia)
• Electronic Wallets: OVO, DANA, GoPay, ShopeePay, LinkAja

5.1 Deposit Processing

Approved deposits are credited to your Wallet instantly or within a maximum of five (5) minutes under normal network conditions. matoto does not charge deposit fees; however, your bank or e-wallet provider may impose their own transaction charges, which are your sole responsibility.

5.2 Minimum and Maximum Deposits

Minimum single deposit: Rp 10,000. Maximum single deposit limits vary by payment method and Account tier; please consult the Platform's payment information page for current figures. matoto may adjust deposit limits at any time without prior notice.

5.3 Third-Party Deposits

Deposits must originate from a payment account registered in your own name. Deposits received from third-party accounts will be declined and returned where technically possible. Attempts to circumvent this rule may result in Account suspension and KYC investigation.

Withdrawals

6.1 Withdrawal Eligibility

Withdrawals are available to Users whose Accounts are in good standing, have passed applicable KYC verification, and whose Wallet balance meets the minimum withdrawal threshold. Withdrawal requests submitted while a pending KYC review is in progress may be held until verification is complete.

6.2 Processing Time

matoto targets a withdrawal processing time of 15 minutes from approval for standard requests submitted during operational hours (06:00–23:00 WIB). Requests submitted outside these hours, or flagged for additional review, may take up to 24 hours. Bank settlement times may add to this window and are outside matoto's control.

6.3 Minimum and Maximum Withdrawals

Minimum single withdrawal: Rp 50,000. Daily maximum withdrawal limits apply and are communicated within the Platform. VIP Account tiers may carry enhanced withdrawal limits.

6.4 Withdrawal Method

Funds will be returned exclusively to a payment method previously used to deposit into your Account and registered in your own name. matoto does not send withdrawals to third-party accounts under any circumstances.

6.5 Withdrawal Fees

matoto does not charge platform-level withdrawal fees. Your bank or e-wallet provider may apply their own transfer charges.

Bonuses & Promotions

matoto offers a range of promotional incentives to eligible Players. All bonuses are governed by these General Terms together with any specific terms attached to the individual promotion, which in the event of conflict shall take precedence.

7.1 General Bonus Conditions

• Bonuses are non-transferable and may only be used by the Account holder to whom they were granted.
• Only one bonus may be active in your Wallet at any given time unless the specific promotion states otherwise.
• Bonus funds are subject to wagering requirements before any associated winnings may be withdrawn. Wagering requirements are stated clearly on each promotion page.
• matoto reserves the right to cancel any bonus at its sole discretion if it suspects the offer is being abused, exploited, or claimed in bad faith.
• Bonuses have defined validity periods. Unclaimed or unwagered bonus funds expire automatically at the end of the stated validity window.

7.2 Wagering Requirements

Unless otherwise stated on the specific promotion page, the following default wagering contribution rates apply:

• Slot games: 100% contribution toward wagering requirements
• Live casino games (baccarat, roulette, blackjack): 10% contribution
• Table games (RNG): 10% contribution
• Sports betting: 50% contribution
• Togel (lottery) games: 20% contribution

7.3 Bonus Abuse

matoto employs automated and manual systems to detect bonus abuse, including but not limited to: opening multiple accounts to claim the same promotion, using low-risk staking strategies designed to extract bonus value without genuine play, and coordinated exploitation by groups of players. Confirmed bonus abuse will result in forfeiture of all bonus funds and associated winnings, and may lead to permanent Account closure.

7.4 Maximum Bet Under Bonus

While any bonus is active in your Wallet, the maximum permitted bet per spin, hand, or market selection is Rp 50,000 unless the specific promotion states a higher limit. Bets placed above this threshold during an active bonus period may be voided without notice.

Betting & Gaming Rules

8.1 General Betting Rules

All bets placed on the matoto Platform are final once confirmed. It is your responsibility to verify the details of your bet — including selection, stake, and odds — before confirming. matoto does not accept requests to amend or cancel confirmed bets except in circumstances outlined below.

8.2 Obvious Errors

matoto reserves the right to void any bet where there has been an obvious pricing or system error, including incorrect odds caused by a technical fault or data feed failure. We will make reasonable efforts to notify affected Players promptly and will refund the original stake in such cases.

8.3 Sports Betting

All sports betting markets — including football (bandar bola, i.e., football bookmaking), basketball, badminton, MotoGP, and e-sports — are governed by the specific sport rules published in the Platform's Sports Betting Help section. In the event of match abandonment, postponement, or other exceptional circumstances, settlement rules specific to each sport apply. Where no specific rule addresses a situation, matoto's determination shall be final.

8.4 Live Betting

Live (in-play) betting is subject to slight delays between action on the field and odds updates on the Platform. matoto reserves the right to suspend live markets at any time. Bets accepted before a suspension will stand; bets submitted during a suspended market period will be rejected automatically.

8.5 Casino and Slot Games

All casino and slot games use certified Random Number Generator (RNG) technology audited by independent testing laboratories. Game malfunction voids all plays and returns stakes. Historical results do not influence future outcomes.

8.6 Togel Markets

Togel (Indonesia's traditional numbers lottery) draw results are sourced directly from the official output pools of the respective international lottery organizations (Singapore Pools, Hongkong Pools, Sydney Pools, Macau, etc.). Any dispute regarding draw results must be submitted within 24 hours of the draw announcement. matoto's review of the official source data shall be final.

Responsible Gaming

matoto is committed to promoting safe, responsible, and enjoyable gaming. We provide the following tools to help you maintain control over your gambling activity:

• Deposit Limits: Set daily, weekly, or monthly caps on funds deposited into your Account.
• Session Time Limits: Configure alerts or automatic logout after a defined play duration.
• Loss Limits: Restrict losses within a defined period to prevent chasing behavior.
• Self-Exclusion: Temporarily or permanently suspend your Account. Temporary exclusions range from 24 hours to 6 months. Permanent self-exclusion cannot be reversed.
• Reality Checks: Receive periodic pop-up notifications summarizing your session duration and net result.

If you believe gambling is negatively affecting your wellbeing or that of someone you know, please contact our support team immediately at [email protected] or via Live Chat. Full guidance is available on our Responsible Gaming page. All players must be 21 or older.

Prohibited Conduct

The following activities are strictly prohibited on the matoto Platform. Violation of any item in this clause may result in immediate Account suspension, forfeiture of balances, and referral to relevant authorities:

• Using automated bots, scripts, or software to interact with the Platform in a manner not sanctioned by matoto
• Colluding with other players to manipulate game or betting outcomes
• Using stolen, fraudulent, or unauthorized payment methods to fund your Account
• Engaging in money laundering, structuring transactions to evade detection, or using the Platform for any illegal financial activity
• Opening multiple Accounts to exploit bonuses or circumvent previous Account restrictions
• Threatening, abusing, or harassing matoto staff or other players
• Attempting to reverse-engineer, decompile, or tamper with Platform software or security systems
• Providing false or misleading information at any stage of your Account lifecycle

Intellectual Property

All content on the matoto Platform — including but not limited to the brand name, logo, website design, graphics, written copy, software code, game interfaces, and data compilations — is the exclusive intellectual property of matoto or its licensed third-party providers. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal entertainment purposes.

You may not reproduce, distribute, publicly display, modify, create derivative works of, or commercially exploit any Platform content without the prior written consent of matoto. Unauthorized use will be pursued to the fullest extent permitted under applicable intellectual property law.

Limitation of Liability

To the maximum extent permitted by applicable law, matoto and its officers, directors, employees, agents, and licensors shall not be liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform
• Losses resulting from internet connectivity failures, device malfunctions, or third-party service outages beyond matoto's reasonable control
• Unauthorized access to your Account resulting from your failure to safeguard login credentials
• Fluctuations in odds, game outcomes, or draw results that are adverse to your interests
• Delays in deposit or withdrawal processing caused by banking institutions or e-wallet providers

Privacy & Data

matoto collects, processes, and stores personal data in accordance with our Privacy Policy, available at https://matoto.cam/privacy-policy. By registering an Account, you acknowledge and consent to the data practices described therein.

We implement industry-standard technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. Personal data is retained only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law.

Governing Law

These Terms & Conditions are governed by and shall be construed in accordance with the laws of the jurisdiction in which matoto holds its primary gaming license. Any dispute arising out of or relating to these Terms that cannot be resolved through good-faith negotiation shall be submitted to binding arbitration under the rules of a recognized international arbitration body, conducted in English.

Nothing in this clause limits matoto's right to seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or prevent irreparable harm.

Amendments

matoto reserves the right to modify these Terms & Conditions at any time. Material changes will be communicated to registered Account holders via email to the address on file and/or through a prominent notice on the Platform no fewer than seven (7) days before the change takes effect, except where earlier implementation is required by law or regulatory mandate.

Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with a proposed amendment, you must cease using the Platform and contact us to arrange withdrawal of your remaining balance before the effective date.

Contact Us

For questions, complaints, or clarification regarding these Terms & Conditions, please contact the matoto support team through any of the following channels:

• Email: [email protected] (plain text — not a clickable link; response within 6 hours during 09:00–21:00 WIB)
• Live Chat: Available 24/7 directly on the Platform; average first response under 2 minutes
• In-App Messaging: Accessible via your Account dashboard with full conversation history