pan4d Terms & Conditions

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

By accessing the Platform, registering an account, making a deposit, or placing any wager, you unconditionally accept these Terms & Conditions in their entirety. If you do not agree with any provision contained herein, you must immediately cease using the Platform and close your account.

pan4d reserves the right to amend these Terms & Conditions at any time. Amendments take effect upon publication on the Platform. Continued use of the Platform after any such amendment constitutes acceptance of the revised Terms & Conditions. It is your responsibility to review this page periodically for updates.

To register and maintain an account on pan4d, you must satisfy all of the following eligibility criteria at the time of registration and on a continuing basis throughout your membership:

• You must be a resident of Indonesia and at least 21 years of age.
• You must be legally capable of entering into binding contracts under applicable law.
• You must not be registered on any self-exclusion list, whether maintained by pan4d or by any third-party responsible gaming body.
• You must not be accessing the Platform from any jurisdiction where online gambling is explicitly prohibited by local law, even if you are otherwise an Indonesian resident.
• You must be acting on your own behalf and not as an agent, representative, or nominee for any third party.
• You must not have had a pan4d account previously closed for breach of these Terms & Conditions.

pan4d reserves the right to request documentary proof of age, identity, and residency at any time, including but not limited to a national identity card (KTP), passport, or other government-issued identification. Failure to provide satisfactory documentation within the requested timeframe will result in account suspension until compliance is achieved.

Each eligible individual may register one account only on the Platform. The registration of multiple accounts — whether under the same identity, the same device, the same IP address, or the same payment method — is strictly prohibited. pan4d employs automated detection systems to identify duplicate accounts; any accounts found to be duplicates will be suspended and all associated balances will be voided.

During registration, you are required to provide accurate, complete, and current information. You undertake to keep your account information up to date at all times and to notify pan4d promptly of any changes via the customer support channel.

You are solely responsible for maintaining the confidentiality of your account credentials — including your username and password. pan4d will not be liable for any loss or damage arising from unauthorised access to your account resulting from your failure to safeguard your login details. If you suspect that your account has been accessed without your authorisation, you must contact pan4d support immediately.

pan4d reserves the right to refuse account registration or close an existing account at its sole discretion, without obligation to provide a reason, provided that any genuine wallet balance (excluding bonus funds) is returned to the Member through their nominated payment method.

pan4d operates a Know Your Customer (KYC) verification process in line with internationally recognised standards for online gaming platforms. KYC verification may be triggered at any point in a Member's lifecycle, including but not limited to: first withdrawal request, withdrawal requests exceeding Rp 5.000.000 in aggregate value, account recovery requests, and routine compliance audits.

Documents that may be requested during KYC include:

• Proof of Identity: National identity card (KTP), passport, or driver's licence (SIM).
• Proof of Age: Any government-issued document showing date of birth confirming you are 21 or older.
• Proof of Payment Method: Screenshot or statement confirming ownership of the bank account (BCA, BRI, BNI, Mandiri, CIMB Niaga, or other nominated institution) or e-wallet (OVO, DANA, GoPay, ShopeePay, LinkAja) used for deposits or withdrawals.

Withdrawal requests will remain pending until all required KYC documents have been submitted and verified by the pan4d compliance team. Verification typically completes within one (1) to three (3) business days from submission of complete documentation.

All deposits on the pan4d Platform are denominated in Indonesian Rupiah (IDR). pan4d supports deposits via the following methods:

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

Deposits are credited to a Member's wallet balance upon confirmation of receipt by pan4d's payment processing systems. Confirmation times vary by method; bank transfers may take up to 10 minutes during off-peak hours. E-wallet deposits are generally credited in real time.

pan4d does not charge deposit fees. However, your bank or e-wallet provider may apply their own transaction charges, for which pan4d accepts no responsibility.

You may only deposit funds from payment methods that are registered in your own name and match the personal details on your pan4d account. Deposits originating from third-party accounts — including joint accounts where your name is not the primary holder — are prohibited and will be returned, subject to applicable processing fees.

pan4d reserves the right to place a hold on, or reverse, any deposit that is suspected to be associated with fraudulent activity, money laundering, or a chargeback attempt, pending investigation.

Withdrawal requests may be submitted at any time from a Member's account dashboard, subject to the conditions set out in this section. Withdrawals are processed exclusively to the same payment method used for the most recent deposit, in order to prevent money laundering.

pan4d's target processing time for withdrawal requests is as follows:

• Bank Transfer (BCA, BRI, BNI, Mandiri, CIMB Niaga): Under 5 minutes for verified accounts during operational hours (07:00–24:00 WIB); up to 60 minutes at other times.
• E-Wallet (OVO, DANA, GoPay, ShopeePay, LinkAja): Near real-time for verified accounts.

Processing times stated above are targets, not guarantees. Delays may occur due to bank system maintenance, national holidays, or additional compliance review. pan4d will not be liable for losses arising from payment processing delays outside its direct control.

Withdrawals may only be processed from real money (cash) wallet balance. Bonus funds may not be withdrawn until all applicable wagering requirements have been satisfied in full. pan4d reserves the right to conduct additional verification checks before processing any withdrawal, including requesting updated KYC documentation.

pan4d offers a range of bonuses and promotions to eligible Members from time to time. Each promotion is governed by its own specific terms, published on the relevant promotion page. In the event of a conflict between a specific promotion's terms and these general Terms & Conditions, the specific promotion's terms will prevail for matters directly related to that promotion.

The following general conditions apply to all bonuses and promotions on the pan4d Platform unless expressly stated otherwise:

• Bonuses are available to registered Members who are in good standing only. Members whose accounts are under review, suspended, or restricted are not eligible.
• Each bonus offer may only be claimed once per Member, per household, per device, and per IP address, unless the specific promotion states otherwise.
• All bonuses are subject to a minimum wagering requirement before any bonus-derived winnings may be withdrawn. The applicable wagering multiplier is stated on each promotion's dedicated page.
• Wagers placed on certain game categories (e.g., specific table games or low-RTP slots) may not count, or may count at a reduced rate, toward satisfying bonus wagering requirements. Refer to the individual promotion page for contribution percentages.
• Bonus funds and winnings derived from bonus funds may not be transferred to another account, exchanged for cash before wagering requirements are met, or used to open positions on external platforms.
• pan4d reserves the right to withdraw, modify, or cancel any bonus at any time, provided that existing wagering obligations already in progress are honoured.
• Any indication of bonus abuse — including but not limited to matched betting, arbitrage, use of betting bots, or coordinated wagering across multiple accounts — will result in immediate cancellation of the relevant bonus and may result in permanent account closure.

All bets and wagers placed on the pan4d Platform are subject to the specific rules applicable to the relevant product — sportsbook, live casino, slots, togel (Indonesia's traditional numbers lottery), Domino QQ, or any other game. Product-specific rules are accessible within each game or betting section of the Platform.

The following general rules apply to all wagers:

• Once confirmed, a bet cannot be cancelled, amended, or reversed by the Member, except where pan4d explicitly offers a "Cash Out" or "Bet Edit" feature for the relevant market.
• pan4d reserves the right to void any bet that was placed on an event where the odds were clearly published in error (e.g., due to a pricing system fault or manifest human error). In such cases, the staked amount will be returned to the Member's wallet balance.
• Maximum bet limits apply per market and per event. These limits are displayed within the betting interface. Bets placed in excess of stated limits may be partially accepted or returned at pan4d's discretion.
• In the event of a disputed game outcome, pan4d's decision — informed by the relevant game provider's certified result records — shall be final and binding.
• pan4d does not accept bets from individuals who have inside knowledge of an event, or who are directly involved in the event being wagered upon (e.g., players, officials, or coaches in a match).

For togel draw games, results are determined by officially published draw outcomes from the relevant draw authority. pan4d publishes all draw results transparently within the Platform immediately upon confirmation.

For live casino games hosted by third-party providers such as Evolution Gaming and Pragmatic Play Live, the outcome of each round is determined by the certified random-number generation or physical dealing process operated by the provider. pan4d is not responsible for technical faults originating within a third-party game provider's system; in such cases, the provider's terms and resolution process will apply.

pan4d is firmly committed to the promotion of responsible gaming. Gambling should be an enjoyable leisure activity; it is not and should never be treated as a source of income, a means to recover financial losses, or a coping mechanism for personal difficulties.

pan4d provides the following responsible gaming tools to all Members, accessible directly from the account dashboard:

• Deposit Limits: Set daily, weekly, or monthly caps on the amount you can deposit into your account.
• Loss Limits: Restrict the maximum amount you can lose within a defined rolling time window.
• Session Time Alerts: Receive notifications after a set period of continuous play to remind you to take a break.
• Cooling-Off Period: Temporarily suspend your account for a defined period (24 hours, 7 days, or 30 days) with immediate effect.
• Self-Exclusion: Permanently close your account and opt out of all pan4d marketing communications. Self-exclusion requests are processed within 24 hours and cannot be reversed for a minimum of six (6) months.

For full details on responsible gaming tools and external support resources, please visit our dedicated Responsible Gaming page.

The following activities are strictly prohibited on the pan4d Platform. Engaging in any prohibited activity may result in immediate account suspension, forfeiture of wallet balance, and referral to relevant law enforcement authorities:

• Registering more than one account or registering an account on behalf of another person.
• Using automated software, bots, scripts, or artificial intelligence to place wagers or exploit platform features.
• Engaging in arbitrage betting, matched betting across accounts, or any systematic strategy designed to guarantee profit irrespective of game outcome.
• Exploiting technical errors, display glitches, or pricing anomalies — sometimes referred to as "software exploitation" or "advantage play" beyond the scope of standard game strategy.
• Using stolen, fraudulent, or third-party payment methods to fund your account.
• Using the Platform for any form of money laundering, terrorist financing, or other financial crime.
• Colluding with other Members to manipulate game outcomes or share privileged information in multiplayer games.
• Providing false information during registration, KYC, or any other compliance process.
• Attempting to access, interfere with, or disrupt pan4d's systems, servers, or data.

All content on the pan4d Platform — including but not limited to the pan4d brand name, logo, website design, graphics, text, software, game interfaces, and data compilations — is the exclusive intellectual property of pan4d or its licensed content providers, and is protected by applicable international copyright, trademark, and intellectual property laws.

Members are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal entertainment purposes in accordance with these Terms & Conditions. This licence does not include the right to reproduce, copy, distribute, publicly display, or create derivative works from any Platform content without prior written authorisation from pan4d.

To the fullest extent permitted by applicable law, pan4d and its directors, officers, employees, contractors, and licensors shall not be liable for:

• Any loss of profits, loss of revenue, loss of data, or indirect, incidental, special, or consequential damages of any kind arising from your use of, or inability to use, the Platform.
• Any interruption, delay, or error in the Platform caused by circumstances beyond pan4d's reasonable control, including force majeure events such as natural disasters, government actions, or telecommunications failures.
• Any losses arising from unauthorised access to your account resulting from your failure to maintain the security of your login credentials.
• The conduct, content, or reliability of third-party game providers whose products are made available on the Platform.
• Any tax liability you may incur in connection with winnings obtained through the Platform. You are solely responsible for understanding and fulfilling any applicable tax obligations under Indonesian law or any other jurisdiction applicable to you.

In all cases where pan4d is found to be liable, its total aggregate liability to any Member shall not exceed the total amount deposited by that Member in the twelve (12) months immediately preceding the event giving rise to the claim.

pan4d's collection, use, storage, and sharing of your personal data is governed by the pan4d Privacy Policy, which forms an integral part of these Terms & Conditions and is incorporated herein by reference. By registering an account on the Platform, you acknowledge that you have read and understood the Privacy Policy.

In summary, pan4d collects personal data solely for the purposes of account management, identity verification (KYC), payment processing, fraud prevention, customer support, and the delivery of personalised gaming experiences. pan4d does not sell Member personal data to third parties for marketing purposes.

These Terms & Conditions and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with internationally recognised gaming and commercial law principles, as applied by pan4d's licensing jurisdiction.

In the event of a dispute between a Member and pan4d, the following resolution process applies:

1. Step 1 — Contact Support: The Member must first raise the dispute with pan4d's customer support team via live chat or email at [email protected]. pan4d will acknowledge the dispute within 24 hours and aim to provide a substantive response within five (5) business days.
2. Step 2 — Escalation: If the Member is not satisfied with the outcome of Step 1, the dispute may be escalated to pan4d's compliance team by submitting a written summary of the issue via email. The compliance team will review the matter and issue a final internal determination within 14 business days.
3. Step 3 — Independent Review: If the matter remains unresolved after Step 2, both parties agree to pursue resolution through a mutually agreed independent arbitration body before commencing any formal legal proceedings.

Nothing in this clause limits a Member's statutory rights under applicable Indonesian consumer protection legislation.

A Member may close their account at any time by contacting pan4d customer support. Upon voluntary closure, any genuine cash wallet balance will be returned to the Member's nominated payment method within five (5) business days, subject to the completion of any outstanding KYC requirements. Bonus funds that have not yet met their wagering conditions will be forfeited upon closure.

pan4d may suspend or permanently terminate a Member's account immediately and without prior notice if:

• The Member has breached any provision of these Terms & Conditions.
• The Member has provided false or misleading information during registration or KYC.
• Continued operation of the account presents a legal, regulatory, or reputational risk to pan4d.
• The Member is found to be under the age of 21.
• The Member has initiated a chargeback against a pan4d deposit.

In cases of termination for cause, pan4d reserves the right to withhold some or all of the wallet balance pending investigation, and to permanently bar the individual from future registration on the Platform.

If you have any questions, concerns, or complaints relating to these Terms & Conditions, or wish to exercise any rights described herein, please contact pan4d using the details below. All email addresses are displayed as plain text and are not clickable links.

For enquiries specifically related to data and privacy rights, please refer to the Privacy Policy page for the dedicated data protection contact pathway.