Terms & Conditions — bni4d

In these Terms & Conditions, the following words and expressions carry the meanings set out below unless context requires otherwise:

2.1 To open and maintain a bni4d Account, you must satisfy all of the following conditions at all times:

• You are a natural person and an individual (not a corporation, trust, or other legal entity).
• You are at least 21 years of age.
• You are accessing the Platform from a jurisdiction in which doing so is not prohibited by applicable law.
• You are not acting as an agent, nominee, or trustee on behalf of any third party.
• You are not currently subject to a self-exclusion period on bni4d or any affiliated platform.
• You have not previously had a bni4d Account closed due to a violation of these Terms & Conditions.

2.2 bni4d reserves the right to request proof of eligibility at any time and to suspend an Account pending satisfactory verification. Provision of false eligibility information constitutes a material breach of these Terms & Conditions.

2.3 It is the Member's sole responsibility to ensure that accessing and using the Platform is lawful in their jurisdiction. bni4d makes no representation that the Platform is legal in all jurisdictions and expressly disclaims liability for any Member who uses the Platform in contravention of local law.

3.1 Single Account Policy. Each Member may hold exactly one (1) bni4d Account. Registration of multiple Accounts — whether under the same name, the same device, the same IP address, or the same payment method — is strictly prohibited. Where duplicate Accounts are identified, bni4d reserves the right to close all associated Accounts, void all pending bets, and forfeit all Bonus Funds.

3.2 Registration Information. During registration, Members must provide accurate, current, and complete information including their full legal name (as it appears on their Indonesian National Identity Card — KTP — or valid passport), date of birth, valid email address, and a secure password. Members must update their registration information promptly if any details change.

3.3 Account Security. Members are responsible for maintaining the confidentiality of their login credentials. You must not share your password with any third party. bni4d will never contact you requesting your password via email, live chat, or any other channel. Any suspected unauthorized access to your Account must be reported to bni4d support immediately at [email protected].

3.4 Account Transfer. Accounts are personal and non-transferable. Selling, assigning, or otherwise transferring your Account or any interest in it to another person is strictly prohibited and will result in immediate Account closure.

4.1 bni4d is committed to maintaining a safe, fair, and compliant platform. As part of this commitment, all Members are required to complete Know Your Customer (KYC) verification before their first withdrawal request is approved.

4.2 Documents Required. The standard KYC submission requires:

• A clear colour copy (photo or scan) of your Indonesian National Identity Card (KTP) or valid Indonesian passport.
• A selfie photograph holding the same identity document, clearly showing your face and the document in a single frame.
• Proof of ownership of the payment method linked to your Account (e.g., a screenshot showing your bank account name matching your registered name for BCA, BRI, BNI, or Mandiri).

4.3 Processing Time. KYC reviews are completed within one (1) business day during WIB business hours. Members will be notified by email of the outcome. Incomplete or unclear submissions will be returned with a request for resubmission; this resets the review clock.

4.4 Ongoing Verification. bni4d may request additional documentation at any time, including when a Member's cumulative withdrawal total exceeds certain thresholds or where unusual account activity is detected. Failure to comply with a KYC request within the stipulated timeframe may result in Account suspension.

4.5 Data Handling. All KYC documents are handled in strict accordance with bni4d's Privacy Policy. Documents are used solely for identity verification purposes and are stored securely with access restricted to authorised compliance personnel.

5.1 Currency. All deposits on the bni4d Platform are accepted in Indonesian Rupiah (IDR) only. bni4d does not accept deposits in any foreign currency. Transactions attempted in a non-IDR currency will be rejected.

5.2 Accepted Methods. bni4d currently accepts deposits via the following channels:

• Bank Transfer: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, BSI (Bank Syariah Indonesia), Bank Permata, Bank Danamon.
• E-Wallets: OVO, DANA, GoPay, ShopeePay, LinkAja.
• Cards: Visa, Mastercard (subject to issuer approval).

5.3 Minimum Deposit. The minimum single deposit is Rp 50.000. There is no maximum deposit limit imposed by bni4d, though individual bank or e-wallet daily limits may apply.

5.4 Deposit Processing. Deposits made via local bank transfer and e-wallet are typically credited to your bni4d Account within 5 minutes of the payment being confirmed by the payment gateway. bni4d is not responsible for delays caused by the Member's bank or e-wallet provider.

5.5 Own Funds. Members must only deposit funds that belong to them personally. Use of third-party payment methods — including a payment method registered in someone else's name — is strictly prohibited and will trigger a withdrawal hold pending investigation.

6.1 Eligibility to Withdraw. Withdrawals are only available to Members who have completed KYC verification. The withdrawal destination must be a bank account or e-wallet registered in the same legal name as the bni4d Account.

6.2 Minimum Withdrawal. The minimum withdrawal amount is Rp 100.000 per transaction.

6.3 Processing Time. Withdrawal requests submitted between 08:00 and 22:00 WIB are typically processed within 15 minutes. Requests submitted outside these hours are queued for processing at the next available window. Processing times may be extended during peak periods, national holidays (including Idul Fitri, Idul Adha, and Christmas), or during scheduled maintenance.

6.4 Fees. bni4d does not charge a fee for standard withdrawals to Indonesian bank accounts or domestic e-wallets. The Member's bank or e-wallet provider may impose their own incoming transfer charges, which are outside bni4d's control.

6.5 Pending Wagering Requirements. Withdrawals will be placed on hold if the Member has an active Bonus with an unfulfilled Wagering Requirement. The Member may choose to forfeit the Bonus in order to release the withdrawal; forfeiture is irreversible.

6.6 Right to Review. bni4d reserves the right to delay processing any withdrawal for up to five (5) business days where additional compliance checks are deemed necessary. Members will be notified of any such delay and the reason, to the extent permissible under applicable law.

7.1 General. bni4d offers a range of promotional bonuses including welcome bonuses, deposit match bonuses, reload bonuses, free spins, cashback awards, and seasonal promotions tied to events such as BRI Liga 1 fixtures, EPL match days, Ramadhan, and Idul Fitri celebrations. Each promotion is subject to its own specific terms, which will be published on the relevant promotion page.

7.2 Wagering Requirements. Unless otherwise stated in the specific promotion terms:

• Sports betting bonuses carry a minimum 5× rollover requirement on the bonus amount.
• Casino and slots bonuses carry a minimum 30× rollover requirement on the bonus amount.
• Qualifying bets for sports wagering requirements must be placed at minimum odds of 1.50 (decimal) on pre-match or live markets.
• Wagering requirements must be met within 30 calendar days of the bonus being credited. Unused bonus balances expire after this period.

7.3 Bonus Abuse. The following activities constitute bonus abuse and will result in forfeiture of all Bonus Funds and, at bni4d's discretion, closure of the Account:

• Opening multiple Accounts to claim the same promotion more than once.
• Coordinating with other Members to hedge bets and lock in a risk-free profit from bonus funds.
• Using automated software, bots, or scripts to place bets.
• Arbitrage betting patterns that demonstrate no genuine recreational intent.

7.4 Right to Withdraw Promotions. bni4d reserves the right to modify, suspend, or terminate any promotion at any time without prior notice. Where a promotion is withdrawn before a Member has fulfilled the Wagering Requirement, bni4d will assess each case individually and may credit a proportional cash equivalent at its sole discretion.

8.1 Acceptance of Bets. All bets on the bni4d sportsbook are subject to acceptance by bni4d. The Platform reserves the right to refuse, limit, or void any wager at its sole discretion, including but not limited to situations where: (a) the odds were displayed in error; (b) the event has already commenced at the time of placement for pre-match markets; or (c) the Member has been flagged for suspicious betting patterns.

8.2 Void Bets. A bet will be declared void (and the stake returned) in the following circumstances: the relevant event is cancelled or postponed and not completed within 48 hours; an obvious pricing error occurred that a reasonable person would have identified; or the result is officially declared a no-contest by the governing body.

8.3 Live / In-Play Betting. Bets placed on live markets are accepted subject to network latency. bni4d reserves the right to void in-play bets where it can be demonstrated that the bet was placed after the relevant event milestone (goal, card, set win, etc.) had already occurred but before the price update reached the Member's interface.

8.4 Casino Game Rules. Each casino game title operates under the rules defined by its software provider. Return-to-player (RTP) percentages for all games are published in each game's information panel. Random number generation is certified by independent laboratories. bni4d does not alter game outcomes.

8.5 Togel Markets. Togel (Indonesia's traditional numbers lottery) draw results are taken from officially published draw data. bni4d accepts no liability for delays in the publication of official results. Winnings for togel markets are credited automatically upon result confirmation.

8.6 Maximum Winnings. bni4d reserves the right to apply maximum single-event payout caps. Current caps are published in the sportsbook rules section within your Member account. Winnings exceeding the applicable cap will be paid to the cap amount; the excess is forfeited.

9.1 Members must not engage in any of the following activities while using the bni4d Platform:

• Providing false, misleading, or fraudulent information during registration, KYC, or at any other point.
• Using the Platform for money laundering, terrorist financing, or any other criminal purpose.
• Colluding with other Members, platform employees, or third parties to gain an unfair advantage.
• Using automated software, scripts, bots, or artificial intelligence tools to place bets, access accounts, or interact with any Platform feature.
• Exploiting software bugs, errors, or vulnerabilities. Any such exploitation must be reported to bni4d immediately; exploited gains will be reversed.
• Attempting to access the accounts, data, or wallet balances of other Members.
• Engaging in abusive, threatening, or harassing conduct toward bni4d staff or other Members via any communication channel.
• Reverse-engineering, decompiling, or attempting to extract the source code of any bni4d software, app, or game.

9.2 bni4d employs real-time fraud-detection and anti-collusion monitoring systems. Accounts flagged by these systems may be suspended pending investigation without prior notice.

10.1 Voluntary Closure. Members may request Account closure at any time by contacting bni4d support at [email protected]. Before closure, all pending bets will be settled according to their outcomes and any remaining real-money balance will be returned to the Member's nominated payment method within five (5) business days.

10.2 Involuntary Suspension. bni4d may suspend or close an Account at any time, with or without prior notice, where it has reasonable grounds to believe the Member has breached these Terms & Conditions, including the prohibited conduct provisions in Clause 9.

10.3 Consequences of Closure for Cause. Where an Account is closed due to a breach by the Member: (a) all pending bets will be voided; (b) all Bonus Funds will be forfeited; (c) real-money balances may be withheld pending the outcome of any investigation; and (d) bni4d reserves the right to report the matter to relevant authorities.

10.4 Responsible Gaming Closure. Members who request Account closure on the grounds of problem gambling will be processed under bni4d's self-exclusion programme. See our Responsible Gaming page for details on cooling-off periods, self-exclusion durations, and support resources.

11.1 To the maximum extent permitted by applicable law, bni4d's total liability to any Member in connection with the Platform — whether arising in contract, tort, statute, or otherwise — shall not exceed the total amount deposited by that Member in the 30 days preceding the event giving rise to the claim.

11.2 bni4d shall not be liable for:

• Loss of profits, loss of data, loss of opportunity, or any indirect or consequential losses arising from use of the Platform.
• Service interruptions caused by scheduled maintenance, third-party infrastructure failures, internet connectivity issues, or Force Majeure events.
• Losses arising from a Member's failure to keep their account credentials secure.
• Delays in deposit crediting or withdrawal processing caused by the Member's bank or e-wallet provider.
• Any tax liability incurred by a Member as a result of winnings received through the Platform.

11.3 The Platform is provided on an "as is" and "as available" basis. bni4d does not warrant that the Platform will be uninterrupted, error-free, or free of viruses or harmful components.

12.1 All content on the bni4d Platform — including but not limited to software, text, graphics, logos, icons, images, audio clips, video clips, data compilations, and the overall look and feel of the site — is the property of bni4d or its content suppliers and is protected by applicable intellectual property laws.

12.2 Members are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal, recreational betting and gaming purposes. This licence does not permit:

• Copying, reproducing, distributing, or publicly displaying any Platform content without prior written consent from bni4d.
• Using the bni4d name, logo, or brand assets in any manner that could imply endorsement or affiliation without authorisation.
• Scraping, data-mining, or extracting odds, results, or other data from the Platform for commercial purposes.

12.3 Game content provided by third-party software studios (Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Pocket Games Soft, Spribe, and others) remains the intellectual property of those studios and is subject to their respective licence terms.

13.1 These Terms & Conditions and any dispute or claim arising out of or in connection with them — whether contractual, tortious, or otherwise — shall be governed by and construed in accordance with the laws of the jurisdiction in which bni4d holds its international operating licence.

13.2 bni4d operates as an internationally licensed online betting and gaming platform. It does not represent that its services are legal in any specific jurisdiction and expressly disclaims liability for Members who access the Platform from jurisdictions where such access is prohibited.

13.3 Dispute Resolution. In the event of any dispute between a Member and bni4d, the Member should first contact [email protected] with a written description of the complaint. bni4d aims to respond to all formal complaints within five (5) business days. If the matter cannot be resolved through internal escalation, bni4d will refer the dispute to its licence jurisdiction's designated dispute resolution body.

13.4 Nothing in this clause limits a Member's statutory consumer rights where applicable under local law.

14.1 For any questions relating to these Terms & Conditions, account issues, or general platform support, Members may contact bni4d through the following channels:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 via the chat widget on the Platform (English and Bahasa Indonesia supported)
• Response Times: Email queries are acknowledged within 24 hours and resolved within 5 business days (WIB). Live chat average first-response time is under 3 minutes.

14.2 For responsible gaming queries — including requests for self-exclusion, deposit limits, or referrals to gambling-harm support services — please visit the dedicated Responsible Gaming page or state "Responsible Gaming Request" in the subject line of your email for priority routing.

14.3 bni4d is committed to resolving all Member complaints fairly and promptly. Formal complaints should include: your registered username, a description of the issue, relevant dates and transaction IDs, and any supporting documentation. Anonymous complaints cannot be investigated.