Terms & Conditions

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

• "Platform" refers to the hmtoto website located at https://hmtoto.cam, including all subdomains, mobile-optimized pages, and any associated applications or services made available by the Company.
• "Member" / "User" refers to any individual who has successfully registered an account on the hmtoto Platform.
• "Account" means the personal account created by a Member following successful registration, through which the Member accesses the Platform's services.
• "Wager" / "Bet" refers to any financial stake placed by a Member on any game, sports event, lottery draw, or other wagering product available on the Platform.
• "Balance" means the total funds held in a Member's Account at any given time, comprising deposited funds and any credited bonus amounts separately tracked.
• "Bonus" refers to any promotional credit, free bet, cashback, or other non-cash incentive awarded by the Company at its sole discretion.
• "KYC" (Know Your Customer) refers to the identity verification process through which the Company confirms a Member's identity, age, and other eligibility criteria as required under its licensing obligations.
• "IDR" / "Rp" means Indonesian Rupiah, the primary transaction currency supported by the Platform.
• "WIB" means Western Indonesia Time (UTC+7), the default time zone used for all Platform operations, draw schedules, support hours, and transaction cut-off times.
• "Togel" refers to togel, Indonesia's traditional numbers lottery game, offered as a wagering product on the Platform.

Access to and use of the hmtoto Platform is restricted to persons who satisfy all of the following eligibility criteria at the time of registration and at all times during their use of the Platform:

• You must be a natural person (not a corporation, trust, or other legal entity).
• You must be at least 21 (twenty-one) years of age. hmtoto enforces a strict minimum age policy. Any person under the age of 21 is expressly prohibited from registering an account or placing any wager.
• You must be accessing the Platform of your own free will for personal recreational purposes.
• You must not be registered on any self-exclusion list maintained by hmtoto or any affiliated gaming operator.
• You must not be acting as an agent, proxy, or on behalf of any third party when registering or placing wagers.
• You must have the legal capacity to enter into a binding contract under the laws of your jurisdiction of residence.
• You must not be a current employee, contractor, agent, or close relative of any employee of the Company or its affiliates, subsidiaries, or technology providers.

hmtoto is operated under an international gaming license. It is the sole responsibility of each Member to independently determine whether accessing and using the Platform is lawful in their jurisdiction of residence. The Company makes no representation as to the legality of the Platform in any specific jurisdiction beyond its licensing territory.

To access the wagering services offered by hmtoto, you are required to create a Member Account. The following conditions apply to account registration and ongoing account management:

• One Account Per Person: Each individual may register only one Account on the Platform. The Company reserves the right to close duplicate accounts at its discretion. In cases of suspected duplicate accounts, bonus balances and any associated winnings may be forfeited.
• Accurate Information: You must provide accurate, complete, and current personal information during registration, including your full legal name, date of birth, residential address, and a valid contact email address.
• Account Security: You are solely responsible for maintaining the confidentiality of your username and password. You must not share your login credentials with any third party. The Company will not be liable for any losses arising from unauthorized access to your Account resulting from your failure to maintain adequate security of your credentials.
• Identity Verification (KYC): The Company may, at any time, require you to complete a KYC verification process. Required documents typically include a government-issued photo ID (KTP, passport, or SIM) and proof of residential address. Accounts that fail to complete KYC within the timeframe specified by the Company may be temporarily restricted or permanently closed.
• Contact Details: You must keep your contact information, including your registered email address and phone number, up to date at all times. Important communications regarding your Account, including security alerts and withdrawal confirmations, will be sent to your registered contact details.

All financial transactions on the hmtoto Platform are conducted in Indonesian Rupiah (IDR). The Company supports a range of local payment methods to facilitate convenient and secure transactions.

4.1 Deposits

• Minimum deposit amounts vary by payment method. For major bank transfers (BCA, BRI, BNI, Mandiri), the minimum deposit is Rp 25.000. For e-wallet transactions (OVO, DANA, GoPay, ShopeePay, LinkAja), the minimum deposit is Rp 10.000.
• Deposits are typically credited to your Account balance instantly upon confirmation. Processing times for certain bank transfers may extend up to 15 minutes during periods of high network load.
• The Company accepts no responsibility for delays attributable to third-party payment processors, bank systems, or e-wallet providers.
• All deposits must originate from a payment method registered in the Member's own name. Third-party deposits are strictly prohibited and will result in the immediate suspension of the receiving Account pending investigation.

4.2 Withdrawals

• Withdrawals will only be processed to a bank account or e-wallet registered in the Member's own name, matching the KYC-verified identity on file.
• A minimum wagering requirement equivalent to the total deposited amount must be met before a withdrawal request can be submitted, unless the Member has completed full KYC verification at the Gold loyalty tier or above.
• Standard withdrawal processing times are: same-day for BCA, BRI, BNI, and Mandiri (subject to bank cut-off times in WIB); and within 24 hours for other supported banks and e-wallets.
• The Company reserves the right to conduct enhanced due diligence on withdrawal requests exceeding Rp 50.000.000 per transaction. This may extend the processing time by up to 3 business days.
• Bonus balances are not directly withdrawable. They must be converted to real-money balance through eligible wagering activity in accordance with the bonus wagering requirements set out in Clause 5.

The Company offers various promotional bonuses to both new and existing Members. Acceptance of any bonus constitutes acceptance of the specific bonus terms applicable to that promotion, as well as the general bonus conditions set out in this Clause.

• Wagering Requirements: All bonuses are subject to wagering requirements. Unless stated otherwise in the specific promotion's terms, the standard wagering requirement is 10x (ten times) the bonus amount. This means that if you receive a bonus of Rp 100.000, you must place total eligible wagers of at least Rp 1.000.000 before the bonus can be converted to withdrawable funds.
• Eligible Games: Not all games contribute equally toward wagering requirements. Live casino games and sports betting typically contribute 100%. Certain low-margin games, including but not limited to baccarat banker bets and certain table game side bets, may contribute at a reduced rate. Specific contribution rates are published within each promotion's terms.
• Expiry: Bonuses must be used within the validity period specified in the individual promotion. Unused bonuses will expire and be removed from the Member's Account automatically without prior notice beyond the original promotion disclosure.
• Abuse and Collusion: The Company reserves the right to withhold or reclaim bonus amounts — and any winnings derived from them — if it determines that a Member has abused the bonus system. Abuse includes, but is not limited to, the use of multiple accounts to claim the same promotion, arbitrage betting across accounts, and the use of prohibited software to gain an unfair advantage.
• Seasonal Promotions: From time to time, the Company may offer promotions tied to Indonesian cultural events and public holidays, including Idul Fitri, Ramadhan, Indonesian Independence Day (17 August), and Nyepi. These promotions are announced on the Platform's homepage and are governed by their specific terms.
• Right to Withdraw Promotions: The Company reserves the right to modify, suspend, or permanently wit hdraw any promotion at any time without prior notice. Changes to active promotions will be communicated via the Platform's announcements section.

All games and wagering products available on the hmtoto Platform are governed by their respective game-specific rules, which are accessible within each game interface. The following general conditions apply across all wagering activity:

• Finality of Results: All game outcomes, once settled by the Platform's system, are final and binding. The Company will not reverse a settled result except in cases of a documented system error that materially affected the outcome.
• Sports Betting: Sports betting markets, including BRI Liga 1, EPL, La Liga, Serie A, Bundesliga, Champions League, Piala AFF, and FIFA World Cup fixtures, are governed by the Company's Sports Betting Rules document. Mix parlay (accumulator) bets require all selections to win for the bet to return a profit; a single losing selection voids the entire accumulator's winnings.
• Togel: Togel (Indonesia's traditional numbers lottery) draw results are sourced from officially designated reference markets. Dispute over draw results must be submitted within 24 hours of the result being published on the Platform.
• Live Casino: Live dealer game results are determined by the outcome of physical events (card deals, wheel spins) captured on video stream. In the event of a stream interruption, bets already placed and confirmed prior to the interruption will be settled based on the recorded outcome of that round.
• E-Sports: E-sports betting markets for Mobile Legends MPL, PUBG Mobile, and Free Fire are settled in accordance with the official match result as declared by the relevant tournament organizer. Abandoned or forfeited matches will be voided and stakes returned.
• Sabung Ayam: Sabung ayam (cockfighting) markets — including Meron (the favored side) and Wala (the underdog side) selections — are settled on the declared winner of each fight. Fights declared a draw (BDD) will result in stakes being voided and returned to Members.
• System Errors: In the event of a manifest error in odds, game configuration, or payout calculation, the Company reserves the right to void the affected bets and return stakes to Members' Accounts. Winnings resulting from a manifest error will not be honored.

hmtoto is committed to promoting responsible gaming across its entire platform. The Company provides a suite of responsible gaming tools available to all Members at no cost and without restriction:

• Deposit Limits: Members may set daily, weekly, or monthly deposit limits on their Account. Once set, a deposit limit reduction takes effect immediately. An increase to an existing limit is subject to a 72-hour cooling-off period before taking effect.
• Session Time Reminders: Members may configure session duration alerts that notify them when a specified period of continuous play has elapsed.
• Cooling-Off Periods: Members may request a temporary account suspension of between 24 hours and 6 weeks. During a cooling-off period, the Account will be inaccessible for all wagering activity.
• Self-Exclusion: Members who feel that gambling is negatively impacting their wellbeing may request permanent self-exclusion. Self-excluded accounts cannot be reopened for a minimum period of 12 months and only following a mandatory review process.
• Age Verification: The Company enforces a strict 21+ minimum age policy and conducts periodic age verification checks on Member Accounts.

Members who require assistance with responsible gaming tools, or who wish to discuss concerns about their gambling behavior, are encouraged to contact the hmtoto support team at any time. Support is available 24/7 in both Indonesian and English. For further guidance, please visit our dedicated Responsible Gaming page.

All content published on the hmtoto Platform — including but not limited to the brand name, logo, visual design, software, text, graphics, icons, data compilations, and game content supplied by third-party providers — is the exclusive property of the Company or its licensors and is protected by applicable intellectual property laws.

• Members are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Platform solely for personal recreational wagering purposes.
• No part of the Platform may be reproduced, distributed, modified, publicly displayed, sold, or exploited for any commercial purpose without the prior written consent of the Company.
• The use of automated tools, bots, scrapers, or any software designed to extract data from, interfere with, or manipulate the Platform is strictly prohibited and may result in immediate Account termination and legal action.
• Third-party game content (including games supplied by Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Pocket Games Soft) remains the intellectual property of the respective provider and is licensed to the Company for display on the Platform.

To the fullest extent permitted by applicable law, the Company's total aggregate liability to any Member arising out of or in connection with their use of the Platform — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the total amount of funds deposited by that Member into their Account during the 12-month period immediately preceding the event giving rise to the claim.

• The Company shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, loss of data, loss of goodwill, or service interruption, however caused and regardless of the theory of liability.
• The Company does not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. Members access the Platform at their own risk.
• The Company shall not be liable for losses arising from events outside its reasonable control, including force majeure events such as natural disasters, acts of government, internet service disruptions, or widespread payment system failures.
• Members acknowledge that sports results, game outcomes, and draw results are determined by independent third parties and that the Company has no influence over such outcomes beyond its role as a wagering intermediary.

Either the Member or the Company may terminate a Member Account, subject to the following conditions:

• Member-Initiated Closure: A Member may request closure of their Account at any time by contacting the support team. Any verified real-money balance remaining in the Account at the time of closure will be refunded to the Member via their most recently used withdrawal method, subject to identity verification and any outstanding wagering requirements on bonus funds.
• Company-Initiated Closure: The Company reserves the right to suspend, restrict, or permanently close a Member Account without prior notice in circumstances including, but not limited to: violation of these Terms & Conditions; fraudulent, abusive, or collusive activity; provision of false registration information; underage gambling; money laundering; or any conduct that the Company determines poses a risk to the integrity of the Platform or other Members.
• Balance on Closure: Where the Company closes an Account due to a Member's breach of these Terms & Conditions, any bonus balance and winnings derived from bonus activity may be forfeited. Decisions regarding the treatment of verified real-money balances will be made on a case-by-case basis following investigation.
• Survival of Terms: Clauses relating to intellectual property, limitation of liability, dispute resolution, and governing law shall survive the termination of a Member Account and remain in full force and effect.

These Terms & Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which the Company is incorporated and licensed to operate as an online gaming provider. Any dispute arising out of or in connection with these Terms & Conditions that cannot be resolved through the Company's internal dispute resolution process shall be referred to binding arbitration in accordance with the rules of the relevant arbitral institution in the Company's licensing jurisdiction.

Members acknowledge that the Company is licensed and regulated as an international online gaming operator and that its regulatory obligations are governed by its licensing jurisdiction, not by the laws of Indonesia. It remains the Member's sole responsibility to determine the legality of online wagering in their place of residence before registering an Account.

The Company reserves the right to amend, update, or replace these Terms & Conditions at any time. Where changes are material — meaning they substantively alter Members' rights or obligations — the Company will provide at least 7 days' advance notice via a prominent announcement on the Platform and, where practicable, via email to all registered Members' contact addresses.

Continued use of the Platform following the effective date of any amendment constitutes the Member's acceptance of the revised Terms & Conditions. If a Member does not agree to the revised terms, they must cease using the Platform and may request closure of their Account in accordance with Clause 10.

The "Last Updated" date displayed at the top of this page reflects the date on which the most recent substantive revision to these Terms & Conditions was made effective.

If you have any questions, concerns, or formal complaints regarding these Terms & Conditions or any aspect of your experience with the hmtoto Platform, please contact our support team through any of the following channels: