Terms & Conditions

1 Definitions

For the purposes of these Terms, the following definitions shall apply:

• "Platform" means the xototo website at https://xototo.cam, any associated mobile applications, and all services, games, and features made available thereon.
• "Account" means the registered player account created by you on the Platform.
• "Balance" means the total funds held in your xototo Account at any given time, including both Real Money Balance and Bonus Balance.
• "Real Money Balance" means funds deposited by you from personal bank or e-wallet sources and not subject to wagering requirements.
• "Bonus Balance" means promotional credits granted by xototo subject to applicable wagering requirements before withdrawal.
• "Wager" means any bet placed on a sporting event, casino game, lottery draw, or other product on the Platform.
• "KYC" means Know Your Customer — the identity and address verification process required under our compliance obligations.
• "Togel" means togel (Indonesia's traditional numbers lottery), comprising draws from Singapore (SGP), Hongkong (HK), Sydney (SDY), Macau, and other regional pools available on the Platform.
• "IDR / Rp" means Indonesian Rupiah, the sole currency accepted on the Platform.
• "WIB" means Western Indonesia Time (UTC+7), the default time zone used for all scheduled events and support hours.

2 Eligibility

To be eligible to open and maintain an Account with xototo, you must satisfy all of the following conditions at the time of registration and on a continuing basis throughout your use of the Platform:

• You are at least 21 years of age;
• You are a natural person (not a corporation, trust, or other legal entity);
• You are acting on your own behalf and not as an agent of any third party;
• Your use of the Platform does not violate any law, regulation, or ordinance applicable in your jurisdiction of residence;
• You are not a current or former employee, contractor, or immediate family member of any employee or contractor of xototo or any of its affiliated technology or payment partners;
• You have not previously been excluded or permanently banned from the xototo Platform or any sister platform operated by the Company.

3 Account Registration

To access the full range of xototo products you must create a single registered Account. The following rules govern Account registration and ongoing account management:

1. One Account Per Person. Each individual may hold only one active Account. Opening duplicate or multiple Accounts — whether using the same or different personal details — is strictly prohibited and constitutes grounds for immediate suspension of all associated Accounts.
2. Accurate Information. You must provide truthful, accurate, and complete information at registration, including your full legal name as it appears on your Indonesian national identity card (KTP), a valid email address, and a current mobile phone number.
3. Account Security. You are solely responsible for maintaining the confidentiality of your username, password, and any secondary authentication credentials. xototo will never request your password through any communication channel. You must notify us immediately at [email protected] if you suspect unauthorised access to your Account.
4. Account Currency. All Accounts are denominated in Indonesian Rupiah (IDR ). Currency conversion is not available; all deposits, wagers, and withdrawals must be conducted in IDR.
5. Account Transfers. Accounts are strictly personal and non-transferable. You may not sell, assign, or otherwise transfer your Account or any funds within it to any third party.

4 Identity Verification (KYC)

xototo operates a mandatory Know Your Customer (KYC) verification process in accordance with internationally recognised anti-money-laundering (AML) standards. The following conditions apply:

• You may be required to submit identity and address documentation at any point during your use of the Platform, including — but not limited to — prior to your first withdrawal, when your cumulative deposits exceed a defined threshold, or when our compliance team flags unusual account activity.
• Acceptable identity documents include a valid Indonesian national identity card (KTP), a valid Indonesian passport, or a valid Indonesian driving licence (SIM). All documents must be current and clearly legible.
• Proof of address may be requested in the form of a recent utility bill, bank statement from BCA, BRI, BNI, Mandiri, or another recognised Indonesian financial institution, dated within the last three months.
• Where funds have been deposited via an e-wallet such as OVO, DANA, or GoPay, we may request a screenshot of the registered e-wallet account to confirm ownership.
• xototo reserves the right to temporarily suspend withdrawal capabilities until KYC verification is completed to our satisfaction. Failure to provide requested documentation within 14 calendar days of the initial request may result in Account suspension.
• All submitted documents are processed securely and stored in accordance with our Privacy Policy.

5 Deposits & Withdrawals

5.1 Deposits

xototo accepts deposits via the following channels: BCA, BRI, BNI, Mandiri, CIMB Niaga, OVO, DANA, GoPay, ShopeePay, and LinkAja. All deposit transactions must originate from a payment account registered in your own name. Third-party deposits are strictly prohibited and will be returned upon discovery, less any applicable processing fees.

• Minimum deposit: Rp 10.000
• Maximum single deposit: Rp 50.000.000 (subject to payment channel limits)
• Deposits are credited to your Account balance within five minutes during normal banking hours (07:00–22:00 WIB). Transfers initiated outside these hours may be processed the following business day depending on the originating bank's clearing schedule.
• xototo does not charge a fee for deposits; however, your bank or e-wallet provider may apply their own transaction fees, for which xototo bears no responsibility.

5.2 Withdrawals

Withdrawal requests must be submitted to the same payment method used for the most recent deposit, subject to the channel's availability. xototo processes all approved withdrawal requests within 24 hours of submission (WIB). The following conditions apply:

• Minimum withdrawal: Rp 50.000
• Maximum single withdrawal: Rp 100.000.000 per transaction
• All active wagering requirements attached to your Bonus Balance must be fully met before Bonus Balance funds become eligible for withdrawal.
• xototo reserves the right to request additional KYC documentation before processing any withdrawal deemed unusual in size or frequency.
• Withdrawals to bank accounts (BCA, BRI, BNI, Mandiri, and others) must be made to an account bearing the same name as the registered xototo Account.

6 Bonuses & Promotions

xototo offers a range of promotional bonuses to both new and existing players. All bonuses are subject to the following general terms, in addition to any specific terms communicated at the point of offer:

• Wagering Requirements. Unless stated otherwise, all bonus funds carry a wagering requirement. This requirement specifies the total value of wagers you must place before any portion of the Bonus Balance, or winnings derived from it, may be withdrawn. Wagering requirements are displayed on the relevant promotion page at the time the bonus is claimed.
• Eligible Games. Not all games on the Platform contribute equally to wagering requirements. Contribution percentages for each game category are published in the specific promotion terms. Wagers placed on games with a 0% contribution do not count toward wagering requirements.
• Bonus Expiry. All bonuses expire within the timeframe specified in the individual promotion terms. Expired bonus funds and associated wagering progress are forfeited automatically.
• Seasonal Promotions. xototo regularly runs promotional events tied to Indonesian cultural occasions such as Idul Fitri, Ramadhan, and Indonesian Independence Day (17 August). These promotions carry their own specific terms communicated at the time of launch.
• Abuse Policy. xototo employs automated and manual monitoring to detect bonus abuse, including but not limited to: opening multiple Accounts to claim the same bonus, placing opposing wagers to exploit a promotion, or systematically exploiting offer mechanics. Accounts found to be engaged in such conduct will have all bonuses forfeited and may be permanently suspended.
• Right to Amend. xototo reserves the right to alter, suspend, or cancel any promotion at any time. Where possible, reasonable advance notice will be given.

7 Game Rules

Each game category available on the xototo Platform is governed by its own specific ruleset, accessible within the game interface. The following general provisions apply across all game types:

• Sportsbook. Bets on sporting events — including BRI Liga 1, EPL, La Liga, Serie A, Bundesliga, Champions League, Piala AFF, and esports titles — are settled in accordance with the official result declared by the relevant governing body. In the event of postponement, cancellation, or abandonment, xototo's sportsbook rules (published separately) determine settlement outcomes. Mix parlay (accumulator) bets require all selections to win for the ticket to be paid out.
• Live Casino. Results generated by live dealer tables (baccarat, roulette, blackjack, and others) powered by our studio partners (including Evolution Gaming, Pragmatic Play Live, and others) are final and binding once the round is closed. Any technical malfunction that prevents a round from completing will result in the wager being voided and the stake returned.
• Togel. Togel (Indonesia's traditional numbers lottery) results are determined by the official draw result of the relevant lottery pool (SGP, HK, SDY, Macau, and others). Ticket purchases close at the time specified for each draw. xototo does not control or influence draw outcomes.
• Sabung Ayam. Sabung ayam (traditional cockfighting) markets settle on the outcome declared by the venue operator — either Meron (the favored side) or Wala (the underdog side) — upon completion of each bout. Markets are suspended during any interruption to the live feed.
• Slot Games. All slot games use certified Random Number Generators (RNG) audited by independent testing laboratories. Return-to-Player (RTP) percentages for each title are available within the game information panel.

8 Prohibited Conduct

The following actions constitute a material breach of these Terms and may result in immediate Account suspension, permanent closure, forfeiture of all balances, and reporting to relevant authorities:

• Opening or operating more than one Account on the Platform;
• Providing false, inaccurate, or misleading information during registration or KYC;
• Using the Platform for any money laundering, fraud, or financial crime purpose;
• Employing automated bots, scripts, artificial intelligence tools, or any other software to gain an unfair advantage over other players or the Platform;
• Colluding with other players to manipulate the outcome of any game or wager;
• Abusing the xototo bonus system, including creating duplicate Accounts to claim the same promotion multiple times;
• Exploiting software errors, glitches, or loopholes — any winnings generated through such exploitation will be voided;
• Engaging in harassment, abusive language, or threatening behaviour toward xototo staff or other players via any communication channel;
• Accessing the Platform using a VPN, proxy, or other IP masking technology to circumvent geographic or account restrictions.

9 Intellectual Property

All content on the xototo Platform — including but not limited to the brand name, logo, website design, graphics, text, software code, game interfaces, and promotional materials — is the exclusive intellectual property of xototo or its licensed content suppliers. No part of the Platform may be reproduced, distributed, modified, reverse-engineered, or used for commercial purposes without the prior written consent of xototo. Users are granted a limited, non-exclusive, non-transferable licence to access and use the Platform solely for personal entertainment purposes in accordance with these Terms.

10 Privacy & Data

xototo is committed to protecting your personal information. The collection, storage, use, and sharing of your data is governed by our Privacy Policy, which forms an integral part of these Terms and is incorporated herein by reference. By accepting these Terms, you also accept the Privacy Policy in full. Key points include:

• We collect personal and financial data solely for the purposes of Account management, KYC compliance, fraud prevention, and service improvement.
• Your data will not be sold to third parties. It may be shared with regulated payment processors (BCA, BRI, BNI, Mandiri, OVO, DANA, GoPay, ShopeePay), KYC verification providers, and legal or regulatory authorities where required by law.
• All data is stored using industry-standard 256-bit SSL encryption. Access is restricted to authorised personnel only.
• You may request a copy of your personal data or request deletion of your Account data by contacting our support team. Certain records may be retained for the period required by applicable compliance obligations.

11 Responsible Gaming

xototo is committed to promoting safe and responsible gaming for all players. The Platform provides the following player-protection tools, accessible through your Account settings at any time:

• Deposit Limits. Set daily, weekly, or monthly deposit caps to manage your spending.
• Session Time Limits. Configure automatic session reminders or time-out cut-offs after a defined period of play.
• Self-Exclusion. Request a temporary cooling-off period (7 days to 6 months) or a permanent self-exclusion from the Platform.
• Reality Checks. Enable on-screen notifications at defined intervals showing your total session time and net gaming balance.

If you believe your gambling habits are becoming problematic, please visit our dedicated Responsible Gaming page or contact our support team immediately. All responsible-gaming requests are treated with the utmost confidentiality. The Platform is strictly for adults aged 21 and above.

12 Limitation of Liability

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

• Any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to access the Platform;
• Loss of profits, loss of data, or loss of goodwill;
• Any interruption, suspension, or termination of the Platform caused by circumstances beyond our reasonable control, including but not limited to server outages, telecommunications failures, acts of government, or natural disasters;
• The accuracy, completeness, or fitness for purpose of any third-party content, game software, or odds data displayed on the Platform;
• Unauthorised access to your Account resulting from your own failure to secure your login credentials.

In all circumstances, xototo's maximum aggregate liability to you shall not exceed the total amount deposited by you into your Account in the 30-day period immediately preceding the event giving rise to the claim.

13 Termination

xototo reserves the right to suspend, restrict, or permanently close any Account at its sole discretion, with or without prior notice, where it has reasonable grounds to believe that:

• You have breached any provision of these Terms;
• Your Account has been used for fraudulent, illegal, or abusive activity;
• Continuing to operate your Account would expose xototo to legal, regulatory, or reputational risk;
• You have requested self-exclusion under our Responsible Gaming programme.

Upon termination, any Real Money Balance remaining in your Account (net of applicable deductions) will be returned to your verified payment method following completion of any outstanding KYC or compliance checks. Bonus Balances are forfeited upon Account closure in all circumstances.

You may also close your Account voluntarily at any time by contacting our support team. Voluntary closure requests take effect within 48 hours of verification.

14 Governing Law

These Terms shall be governed by and construed in accordance with internationally recognised principles of commercial law and the regulations of the jurisdiction in which xototo holds its operating licence. Any dispute arising out of or in connection with these Terms that cannot be resolved amicably between the parties within 30 days of written notice shall be submitted to binding arbitration before a mutually agreed neutral arbitration body. The arbitration shall be conducted in English. The arbitral award shall be final and binding on both parties.

Nothing in this clause shall prevent xototo from seeking emergency injunctive or other equitable relief from a court of competent jurisdiction where necessary to protect its intellectual property or prevent imminent harm to the Platform or its users.

15 Amendments

xototo reserves the right to revise, update, or replace these Terms at any time. When material changes are made, we will notify registered players via the email address associated with their Account and/or by posting a prominent notice on the Platform at least seven (7) calendar days before the changes take effect. Your continued use of the Platform after the effective date of any revised Terms constitutes your acceptance of the updated provisions. We recommend reviewing this page periodically. The date at the top of this document reflects the most recent revision.

16 Contact Us

If you have any questions, concerns, or complaints regarding these Terms and Conditions, please contact our support team through the following channel:

Our support team is available 24 hours a day, 7 days a week, and includes native Indonesian-speaking agents. Response times for email enquiries are typically within 2 hours during peak hours (08:00–24:00 WIB) and within 6 hours during off-peak periods. For urgent account security matters, please mark your email subject line as "URGENT – Account Security" to ensure priority handling.