kargo Platform Account Terms

When you open an account on kargo, you enter into an agreement with our platform to use our services—sportsbook markets, live-dealer tables, slot games, and esports offerings—in accordance with our stated policies. These terms set out the conditions under which we operate, the rights and responsibilities you assume when you join kargo, and the frameworks we use to resolve disputes or manage your account.

Our kargo terms are designed to be clear and fair. We operate in supported jurisdictions only; we require verification of your identity and address before you can deposit or wager; we settle payouts promptly according to our game rules; and we maintain multilingual support to help you understand our policies and resolve any concerns. This document covers account opening, deposits and withdrawals, bonus terms, our approach to disputed outcomes, and the jurisdictional framework under which kargo operates.

By accessing kargo, you acknowledge that you have read and agreed to these terms. If you have questions about any provision, our support team—available in English, Indonesian, and Mandarin—can clarify our policies or direct you to relevant sections.

Account Opening and Verification on kargo

To use kargo, you must create an account by providing your email address, full name, date of birth, phone number, and a password. We use this information to set up your account and ensure accountability across our platform. After account creation, we require identity verification before you can deposit funds or place any wagers. This verification process is core to kargo's anti-money-laundering compliance and protects both you and our platform.

Our kargo verification process requires you to submit a copy of your national identity document (such as your KTP or passport) and proof of residence (a utility bill, bank statement, or rental agreement dated within three months). We review these documents within 24 business hours. Once verified, your account gains full access to our sportsbook (Liga 1, Piala AFF, MotoGP, badminton and international football), live-dealer tables (blackjack, roulette, baccarat, Dragon Tiger, Sic Bo), slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways), and esports markets (Mobile Legends, Free Fire, PUBG Mobile).

Account note: Your kargo account is personal and non-transferable. You are responsible for keeping your password secure and must notify us immediately if you suspect unauthorised access.

Deposits and Payment Methods on kargo

We at kargo accept deposits via major Indonesian payment channels: DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, and direct bank transfers to mobile banking, local payment, online payment, or e-wallet accounts. You select your preferred payment method during deposit, and funds typically appear in your kargo balance within minutes (e-wallets) or up to two business hours (bank transfers). Our platform displays your current balance in your account dashboard, updated in real time.

We do not impose account preferences within the normal transaction ranges of your chosen payment method; however, individual payment providers may enforce their own ceilings. If you have questions about whether a particular amount is possible via your chosen method, our support team can confirm availability. We also do not charge deposit fees—any amounts deducted are determined by your payment provider, not by kargo.

Our kargo Bonus and Promotion Terms

We occasionally offer promotional bonuses (such as welcome offers or seasonal bonuses) to new or returning players. Any bonus we advertise includes terms specifying the bonus amount, the wagering conditions you must fulfil to convert the bonus into withdrawable funds, and the games to which the bonus applies. We apply bonus terms consistently and transparently; all bonus promotions are displayed in your account under "Promotions" or "Active Bonuses."

Bonuses on kargo are offered at our discretion and may be withdrawn or modified at any time. If you have an active bonus and we change the terms, we notify you at least 48 hours in advance. Unused bonuses may expire according to the expiration date listed in the promotion details. We do not offer fixed bonus amounts as guarantees; all bonuses are subject to the specific terms published at the time of offer.

Withdrawals and Account Settlement

You can request a withdrawal from your kargo account at any time, using the same payment method through which you deposited (or an alternative method you have verified). Withdrawal requests are processed within our standard windows: e-wallet withdrawals typically settle within one to two hours, while bank transfers complete within one to two business hours during banking hours. Outside banking hours (evenings, weekends, or on Indonesian holidays such as Idul Fitri, Idul Adha, Imlek, or Nyepi), bank transfers are queued for processing the next business day.

Our kargo platform requires your withdrawal request to be confirmed via email or SMS before processing. This safeguard prevents unauthorised withdrawals if your account is compromised. Once confirmed, we debit the requested amount from your balance and initiate the transfer to your chosen payment method. You can track withdrawal status in your account under "Withdrawal History."

Withdrawal note: We reserve the right to request additional verification documents before processing large withdrawals, in compliance with anti-money-laundering regulations. This is standard practice and protects your account security.

Game Rules and Dispute Resolution

Each game category on kargo—sportsbook, live-dealer, slots, esports—operates under published rules that we make available before you wager. Our sportsbook displays odds and rules for Liga 1 matches and international football; our live-dealer tables show table limits and payout tables; our slots display return-to-player (RTP) percentages; and our esports markets clarify which events and outcomes are available. If an outcome or settlement is disputed, you can file a claim within 48 hours through your account or by contacting our support team.

We investigate disputes by cross-referencing the game record, broadcast data (for live events), random-number generator logs (for algorithmic games), and your account transaction history. If our investigation confirms an error in our favour, we correct the settlement and credit or debit your account accordingly. Our support team communicates the outcome within 72 business hours of your dispute filing. If you disagree with our resolution, you can escalate to our compliance officer through our Legal contact page.

Our kargo Account Restrictions and Termination

We at kargo reserve the right to suspend or close your account if we detect violations of these terms, including:

If we suspend your account, we notify you via email and provide a reason. If the suspension is temporary (pending investigation), we inform you of the expected resolution timeline. If the suspension is permanent, we release any remaining balance to your nominated payment method within 30 days, unless we are legally obligated to retain funds as part of an investigation.

Data Protection and Privacy on kargo

We at kargo collect personal information (name, date of birth, address, payment details, and gameplay data) to operate our platform, fulfill regulatory obligations, and prevent fraud. Our full Privacy Policy details how we store, use, and protect your data. We do not sell your personal information to third parties; we share data only with payment processors, regulatory bodies, and anti-fraud partners as necessary to operate securely.

Your data is stored on encrypted servers in secure data centres. We conduct annual security audits and maintain compliance with data protection standards applicable in supported jurisdictions. If you wish to access, update, or delete your personal data, you can request this through your account settings or by contacting our support team.

Jurisdiction and Service Availability

Our kargo platform operates only in jurisdictions where online gaming is permitted under applicable law. We do not knowingly accept registrations or allow wagering from regions where such services are prohibited. If we discover that you are accessing kargo from a restricted jurisdiction, we suspend your account and return any remaining balance to your payment source.

Users are responsible for verifying that access to kargo is legal in their own jurisdiction before creating an account or depositing funds. Our Legal page provides guidance on service availability by region. If you have questions about whether kargo operates in your location, contact our compliance team through that page.

Changes to Our kargo Terms

We reserve the right to modify these terms at any time. If we make material changes—such as fee structures, withdrawal terms, or bonus conditions—we notify all active players at least 14 days in advance via email and by posting updates on our platform. Your continued use of kargo after the notification period constitutes acceptance of the updated terms. If you do not agree with changes, you may close your account and request withdrawal of your balance before the new terms take effect.

Contact and Escalation

If you have questions about these terms or our policies, our multilingual support team—available in English, Indonesian, and Mandarin—responds via live chat (typically within one hour), email (within four business hours), or phone (standard business hours). For legal or compliance inquiries, use our Legal Inquiry contact form, and our compliance officer will respond within 48 business hours. For account-specific disputes, file a ticket through your account dashboard, and our resolution team investigates within 72 hours.

These terms, together with our Privacy Policy and game-specific rules, constitute the complete agreement between you and kargo. By accessing our platform, you acknowledge that you have read, understood, and agree to be bound by these provisions.

Legal and Jurisdiction Framework

Service availability

Our kargo platform is available only in jurisdictions where online gaming and wagering are permitted under applicable local law. We do not knowingly offer our services in regions where such activities are restricted or prohibited by statute. Our approach is to verify player location through multiple signals—including payment method origin, IP address geolocation, and self-reported address during account registration—and to enforce access restrictions consistently.

We recognise that gaming regulations vary globally and are subject to change. If a jurisdiction in which kargo previously operated enacts new restrictions, we notify affected players and cease offering services in that region. Conversely, if a jurisdiction relaxes restrictions and permits gaming, we evaluate whether to expand kargo's presence there. Our commitment is to operate transparently within the legal frameworks of each supported region.

Players are solely responsible for determining whether access to kargo is legal in their own jurisdiction. We provide general guidance through our Terms and Privacy Policy, but we cannot offer legal advice specific to your location. If you are uncertain about the legality of online gaming where you reside, we recommend consulting a local legal professional before creating an account or depositing funds with us.

Account eligibility

To open an account on kargo, you must meet eligibility criteria set by applicable law in your jurisdiction. We do not set a fixed age threshold across all regions; instead, we require that you be of legal age to enter into gaming contracts under the laws of your residence. During account creation, you certify your compliance with age and legal requirements. We verify this claim through identity documents during our KYC process.

If we discover that an account holder is below the legal age for gaming in their jurisdiction, we immediately close the account, suspend all funds, and initiate contact with the account holder to determine whether funds should be returned to a parent or guardian. We take underage account creation seriously and investigate such cases to prevent recurrence.

Beyond age, players must be of sound mind, legally entitled to enter binding contracts, and not subject to any court order or legal restriction prohibiting gaming. If you believe you fall into any restricted category, do not attempt to create a kargo account. If you have already created an account and your circumstances change, contact our support team immediately to discuss account closure or other available options.

Local-law responsibility

By accessing and using kargo, you accept full personal responsibility for ensuring that your use complies with the laws of your own jurisdiction. We operate transparently by publishing our Terms and explaining our service scope, but we cannot monitor every local regulation across all regions where players might attempt access. The burden of legal compliance rests entirely with you.

Specifically, you warrant that:

If local authorities in your jurisdiction take enforcement action against online gaming operators or players, we will cooperate as required by law. If you face legal consequences for using kargo in a jurisdiction where we later determine services were not legally available, we are not liable for your legal costs or damages. This underscores the importance of verifying local law before participation.

Data and privacy scope

We collect personal data—including your name, address, date of birth, payment information, and gameplay records—to operate kargo and fulfill regulatory obligations. Our full Privacy Policy explains our data practices in detail, including storage, retention, and sharing with third parties. For KYC purposes specifically, we retain identity and address documents for the duration of your account and for a minimum of five years after account closure, in compliance with anti-money-laundering regulations.

We share player data with payment processors (to execute deposits and withdrawals), financial-crime prevention partners (to detect and prevent money laundering and fraud), and regulatory authorities (when legally required). We do not sell personal data for marketing purposes. If you wish to request access to, correction of, or deletion of your personal data, submit a request through your account settings or email our privacy team. We respond to such requests within 30 days, subject to legal obligations to retain certain data.

Contact for legal inquiries

For legal questions, compliance matters, or to report a violation of these terms or applicable law, contact our Legal and Compliance team through our Legal Inquiry page. Provide your account number (if applicable), a clear description of your inquiry or concern, and any supporting documents. Our compliance officer reviews your submission and responds within 48 business hours.

For urgent matters—such as suspected account compromise, fraud, or a legal emergency—use our live chat support to escalate to a manager. Our support team operates in English, Indonesian, and Mandarin and maintains standard response windows of under one hour for urgent escalations and under four business hours for general legal inquiries. We maintain a formal record of all legal inquiries and resolutions for audit and transparency purposes.

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