toko Platform Account Terms

We at toko set out the conditions under which our platform operates and how users interact with our services. These terms apply to all accounts on toko, covering account creation, deposits and withdrawals, gameplay, bonuses, dispute resolution, and your legal rights when using our sportsbook and casino features.

Our services are available only where local law permits. We do not offer our services in jurisdictions where online gaming or wagering is prohibited. Users are responsible for verifying that their access to toko and participation in our markets comply with their own jurisdiction's laws and regulations.

By creating an account on toko and engaging with our platform—whether you are placing bets on Liga 1, Piala Indonesia, Piala AFF, Champions League, or enjoying our live-dealer and slot games—you agree to these terms.

Account Opening and User Eligibility

When you create an account on toko, you agree that you have read and understood these terms. We require accurate personal information during registration: your full name, date of birth, email address, and contact details. Providing false information breaches our terms and may result in account suspension or closure.

We at toko do not knowingly permit accounts from individuals in jurisdictions where online gaming is prohibited by local law. It is your responsibility to determine whether toko is accessible and legal in your location. We reserve the right to restrict or close accounts if we determine that access violates applicable law.

We enforce one account per person. Creating multiple accounts to circumvent limits, bonuses, or our terms violates our policy. If we detect duplicate accounts, we reserve the right to close all associated accounts and forfeit any balance.

Deposits, Withdrawals, and Payment Methods

We at toko accept deposits via multiple payment methods: DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, and bank transfers through mobile banking, local payment, online payment, e-wallet. Each payment method operates under its own terms; we are not responsible for delays, errors, or charges imposed by third-party payment providers.

Depositing funds into your toko account is at your own discretion. We do not guarantee any return on wagers placed. Your account balance reflects funds you have deposited, less any wagers settled or withdrawals processed. Unused balances remain in your account until you request withdrawal or continue playing.

During major holidays—Idul Fitri, Idul Adha, Imlek—banking and payment networks may operate on reduced schedules, extending processing times. We notify users of anticipated delays in advance.

Bonuses and Promotional Terms

We at toko occasionally offer bonuses and promotions to new or existing users. All bonuses are subject to specific terms: eligibility criteria, wagering requirements, game restrictions, maximum withdrawal limits, and validity periods. These terms are clearly stated in each promotional offer; it is your responsibility to read and understand them before accepting a bonus.

Bonuses are not cash; they are promotional credit that must be wagered according to the promotion's rules before withdrawal is permitted. Unused bonuses may expire if not claimed within the specified window. If we detect abuse—such as claiming bonuses across multiple accounts or using bonuses to exploit system errors—we reserve the right to forfeit the bonus and related winnings.

We may modify, pause, or discontinue promotional offers at any time without notice. Changes do not affect bonuses already credited to your account but may apply to future promotions.

User Conduct and Account Suspension

We at toko reserve the right to suspend or close accounts that violate our terms. Prohibited activities include: creating multiple accounts, providing false information, money laundering, using toko for illegal purposes, harassment or abuse of staff, or attempting to exploit system vulnerabilities or bugs.

If we suspend your account, we will notify you in writing with the reason. Suspended accounts cannot place new wagers but may request withdrawal of remaining balance, subject to KYC verification. Account closure is final; we do not restore closed accounts.

We monitor all accounts for unusual activity. If we detect patterns inconsistent with legitimate play—such as rapid, coordinated betting across multiple markets or sudden large withdrawals—we may temporarily restrict your account pending verification of legitimacy.

Our Dispute Resolution and Liability Policy

If you dispute a wager, payout, or account balance on toko, contact our support team within 30 days of the disputed transaction. Provide transaction details, dates, and your account statement. We investigate disputes within five business days and respond with findings. If a system error is confirmed—such as an incorrect payout calculation—we correct it and adjust your balance accordingly.

We at toko maintain transaction records for all wagers, deposits, and withdrawals. These records are available in your account history and serve as the authoritative reference for disputes. Video footage of live-dealer sessions is retained for 90 days and available for review if you dispute a game outcome.

• 1
  Report DisputeAction

  Contact toko support with your dispute details within 30 days of the disputed transaction.

• 2
  InvestigationProcess

  We investigate and respond within five business days with our findings and any corrective action.

• 3
  ResolutionOutcome

  If an error is confirmed, we correct your account balance immediately.

We at toko are not responsible for losses resulting from: system outages (provided they are not caused by our negligence), delays in payment processing by third-party providers, user error in account management, or force majeure events (natural disasters, government action, war). Our liability is limited to the balance in your account at the time of dispute.

All wagers on toko are final once placed and confirmed. Outcomes on live-dealer games and sportsbook markets cannot be reversed except in cases of demonstrated system error or fraud. For sportsbook markets on Liga 1, Piala Indonesia, Piala AFF, and Champions League, outcomes are determined by the official match result as published by the relevant league or governing body.

Data Protection and Privacy

We at toko collect personal data during account registration and KYC verification. Your data is encrypted using SSL and stored securely. We do not share your personal information with third parties except as required by law or to process payments through authorised payment processors.

You may request access to, correction of, or deletion of your personal data by contacting our support team. We comply with applicable data protection regulations. Your account can be permanently deleted; once deleted, all associated data is purged except where retention is mandated by law.

Jurisdiction and Governing Law

These terms are governed by the laws of the jurisdiction in which toko is licensed. If you believe toko violates local law in your jurisdiction, you are responsible for taking appropriate action in accordance with your local legal system. We do not accept responsibility for violations of local law that result from your choice to access toko from a restricted jurisdiction.

Any disputes arising from these terms or your use of toko are subject to binding arbitration or the jurisdiction's applicable legal process. You agree not to pursue legal action against toko in courts outside the jurisdiction of our license.