Terms & Conditions

1. Definitions and Interpretation

In these Terms and Conditions, unless the context otherwise requires:

• "catoto", "we", "us", or "our" refers to the online betting platform operated at catoto.cam and all associated services.
• "User", "you", or "your" refers to any individual who registers an account, accesses the website, or uses any services provided by catoto.
• "Account" means the personal betting account created by you upon successful registration on the catoto platform.
• "Services" refers to all betting, gaming, and related entertainment services offered through the catoto platform, including but not limited to sports betting, live casino games, slot machines, togel (lottery), and sabung ayam (cockfighting) streaming.
• "Funds" refers to monetary balances deposited into your Account, including deposits, winnings, bonuses, and any other credits.
• "Bet" or "Wager" means any stake placed on a betting market, game, or event through the catoto platform.
• "Bonus" refers to promotional credits, free bets, or other incentives provided by catoto subject to specific terms and conditions.

2. Acceptance of Terms

By accessing, registering an account, or using any service provided by catoto, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy and Responsible Gaming policies. These terms constitute a legally binding agreement between you and catoto.

If you do not agree with any part of these Terms and Conditions, you must not use our services. Continued use of the catoto platform after any modifications to these terms constitutes your acceptance of the updated terms.

3. Eligibility and Account Registration

3.1 Age and Residency Requirements

To register an account and use catoto's services, you must meet the following eligibility criteria:

• You must be at least 21 years of age or the legal age of majority in your jurisdiction, whichever is higher.
• You must be a resident of Indonesia or another jurisdiction where online gambling is legally permitted.
• You must not be a resident of any jurisdiction where access to online gambling services is prohibited by law.
• You must be legally capable of entering into binding contracts under applicable law.
• You must not be acting on behalf of another person or entity when using our services.

3.2 Account Creation

When registering for a catoto account, you agree to:

• Provide accurate, current, and complete information as requested during the registration process.
• Maintain and promptly update your account information to keep it accurate and current.
• Create only one account per person. Multiple accounts are strictly prohibited and may result in closure of all accounts and forfeiture of funds.
• Keep your account credentials (username and password) confidential and secure.
• Notify catoto immediately of any unauthorized access to or use of your account.

3.3 Account Verification (KYC)

catoto is committed to preventing fraud, money laundering, and underage gambling. As part of our regulatory obligations, we reserve the right to request identity verification documents at any time. You agree to provide the following when requested:

• Valid government-issued identification (Indonesian National Identity Card / KTP, passport, or driver's license)
• Proof of address (utility bill, bank statement, or government correspondence dated within the last 3 months)
• Proof of payment method ownership (bank statement or e-wallet account confirmation)
• Selfie photograph holding your identification document

Failure to provide requested verification documents within a reasonable timeframe may result in temporary suspension of your account and restrictions on withdrawals until verification is completed. All submitted documents are handled in accordance with our Privacy Policy and stored securely using bank-level encryption.

4. Deposits and Withdrawals

4.1 Deposits

catoto supports deposits via Indonesian bank transfers (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI, Bank Permata) and major e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja). When making deposits:

• The minimum deposit amount is Rp 20,000 unless otherwise specified in promotional materials.
• All deposits must originate from a payment method registered in your own name. Third-party deposits are strictly prohibited.
• Deposits are typically credited to your account instantly, though processing times may vary depending on your payment provider.
• catoto does not charge fees for deposits. However, your bank or e-wallet provider may apply their own transaction fees.
• You are responsible for ensuring sufficient funds in your payment method and for any fees charged by your payment provider.

4.2 Withdrawals

You may request withdrawals of your available balance at any time, subject to the following conditions:

• The minimum withdrawal amount is Rp 50,000 for bank transfers and Rp 20,000 for e-wallets.
• Withdrawals must be made to a payment method registered in your own name matching the name on your catoto account.
• All withdrawals are subject to identity verification. We reserve the right to request additional documentation before processing a withdrawal.
• Withdrawal processing times typically range from 5-30 minutes for bank transfers and 2-10 minutes for e-wallets during banking hours, though actual times may vary.
• catoto does not charge withdrawal fees for amounts above Rp 100,000. Withdrawals below this threshold may incur an administrative fee of Rp 5,000.
• Bonus funds and pending rollover requirements may restrict your ability to withdraw until wagering conditions are met.

5. Bonuses and Promotions

5.1 General Bonus Terms

catoto offers various bonuses and promotions to enhance your gaming experience. All bonuses are subject to specific terms and conditions, which will be clearly communicated at the time of the offer. General provisions include:

• Bonuses are offered at catoto's sole discretion and may be modified or withdrawn at any time without prior notice.
• Each bonus is subject to wagering requirements (rollover) that must be completed before withdrawal of bonus funds or associated winnings.
• Unless otherwise stated, bonuses are valid for 30 days from the date of activation. Unused or incomplete bonuses expire after this period.
• Only one bonus may be active per account at any given time unless explicitly stated otherwise.
• Bonus abuse, including but not limited to creating multiple accounts or coordinating with other players to exploit promotions, will result in forfeiture of all bonuses and potential account closure.

5.2 Welcome Bonus

New members at catoto are eligible for a first deposit bonus of up to 100% match up to Rp 20,000,000. This bonus is subject to:

• Minimum qualifying deposit of Rp 50,000
• 5x rollover requirement on sports betting markets with minimum odds of 1.50
• 3x rollover requirement on slots and live casino games
• Bonus and winnings become withdrawable only after rollover requirements are fully met

6. Betting Rules and Game Conduct

6.1 Sports Betting

When placing sports bets on catoto, including football betting on BRI Liga 1, EPL, La Liga, and other leagues:

• All bets are final once confirmed. You cannot cancel or modify a bet after placement unless explicitly permitted by catoto.
• catoto reserves the right to void bets placed on obvious pricing errors, technical glitches, or events with incorrect information.
• Settlement of bets is based on official results as determined by the relevant sports governing body.
• In the event of a match postponement, bets remain valid if the event is rescheduled within 48 hours. Otherwise, bets are voided and stakes refunded.
• Live in-play betting odds are subject to rapid change. Bets are accepted at the odds displayed at the moment of confirmation.

6.2 Casino Games

All casino games offered by catoto, including live dealer games from Evolution Gaming and Ezugi, and slots from Pragmatic Play, Microgaming, and NetEnt, are governed by:

• Random Number Generator (RNG) certification by independent testing agencies such as eCOGRA and iTech Labs to ensure fairness.
• Published Return to Player (RTP) percentages, which represent theoretical long-term payouts and do not guarantee individual session outcomes.
• Game-specific rules available within each game interface. You are responsible for understanding game rules before playing.
• Live casino games are recorded and archived. Video evidence may be reviewed to resolve disputes.

6.3 Togel and Lottery Games

For togel markets offered on catoto, including Togel Singapore, Togel Hongkong, Togel Sydney, and Togel Macau:

• Results are sourced directly from official lottery pools and posted immediately after official draws.
• Bets must be placed before the published closing time for each market. Late bets will not be accepted.
• Winning payouts are calculated based on the bet type, stake amount, and published payout rates.
• catoto is not responsible for delays or errors in official lottery results published by third-party lottery operators.

7. Prohibited Activities

The following activities are strictly prohibited on the catoto platform and may result in immediate account suspension, fund forfeiture, and legal action:

• Using automated betting software, bots, or scripts to place bets
• Exploiting software bugs, glitches, or vulnerabilities for financial gain
• Colluding with other players or engaging in syndicate betting to manipulate outcomes
• Using VPNs, proxies, or other methods to conceal your location or identity
• Engaging in fraudulent activity, including chargeback fraud or using stolen payment methods
• Creating multiple accounts to abuse bonuses or circumvent restrictions
• Harassing other players or customer support staff
• Attempting to reverse-engineer or decompile any aspect of the catoto platform

8. Account Suspension and Closure

8.1 Suspension by catoto

catoto reserves the right to suspend or close your account at any time if:

• You breach any provision of these Terms and Conditions
• We suspect fraudulent, illegal, or abusive activity
• You fail to provide requested verification documents within a reasonable timeframe
• Your account remains inactive for more than 12 consecutive months
• We are required to do so by law or regulatory authorities

In the event of account suspension for suspected breach, catoto will investigate the matter thoroughly. If the breach is confirmed, any remaining balance may be forfeited. If no breach is found, your account will be reinstated and funds released.

8.2 Self-Exclusion and Voluntary Closure

You may request voluntary account closure at any time by contacting customer support. As part of our Responsible Gaming commitment, you may also request self-exclusion for a specified period (6 months, 1 year, 2 years, or permanent). During self-exclusion:

• Your account will be immediately locked and you will not be able to log in
• You will not receive promotional materials or marketing communications
• Any pending bets will be settled according to their outcomes
• Your remaining balance will be returned to your registered payment method
• Self-exclusion is irreversible for the chosen period and cannot be undone early

9. Limitation of Liability

To the fullest extent permitted by applicable law:

• catoto provides services on an "as is" and "as available" basis without warranties of any kind, express or implied.
• We do not guarantee uninterrupted or error-free operation of the platform. Technical issues, server downtime, or internet connectivity problems may occur.
• catoto is not liable for any loss of profits, loss of funds, or indirect damages arising from your use of our services.
• Our total liability to you for any claim arising from your use of catoto shall not exceed the amount of funds deposited into your account in the 12 months preceding the claim.
• catoto is not responsible for errors in third-party data feeds, including sports results, odds providers, or lottery draw results.
• You acknowledge that gambling involves risk and that losses are possible. catoto does not guarantee winnings or profitability.

10. Intellectual Property

All content on the catoto platform, including but not limited to text, graphics, logos, images, software, and data compilations, is the property of catoto or its licensors and is protected by Indonesian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the catoto platform for personal entertainment purposes only. You may not:

• Reproduce, distribute, or publicly display any content from the platform without written permission
• Modify, adapt, or create derivative works based on catoto's proprietary content
• Use catoto's name, logo, or trademarks without authorization
• Frame or mirror any part of the website on another server or website

11. Dispute Resolution

If you have a complaint or dispute regarding any aspect of catoto's services:

1. Contact our customer support team via live chat, WhatsApp, or email with full details of your complaint.
2. Our support team will investigate the matter and respond within 48 hours (or 5 business days for complex cases).
3. If you are not satisfied with the initial response, you may escalate the matter to our senior management team for review.
4. We will make every reasonable effort to resolve disputes fairly and promptly.

By agreeing to these Terms and Conditions, you agree that any dispute arising from your use of catoto shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be subject to the exclusive jurisdiction of Indonesian courts.

12. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Indonesia. Any legal action or proceeding related to your access to or use of catoto shall be brought exclusively in the courts of Indonesia, and you consent to the jurisdiction of such courts.

13. Amendments to Terms

catoto reserves the right to amend, modify, or update these Terms and Conditions at any time without prior notice. Material changes will be communicated via email or prominent notice on the website. Your continued use of catoto's services after such changes constitutes acceptance of the updated terms. We recommend reviewing these Terms and Conditions periodically to stay informed of any modifications.

14. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be deemed severed from these terms. The remaining provisions shall continue in full force and effect and shall not be affected by the invalidity of the severed provision.

15. Contact Information

If you have any questions, concerns, or require clarification regarding these Terms and Conditions, please contact catoto customer support:

• Email: [email protected]
• Live Chat: Available 24/7 on the catoto website
• Customer Support Hours: 24 hours a day, 7 days a week