panji Platform Account Terms
When you create an account on panji, you enter into a service agreement with us. We set out the terms that govern your use of our platform—account opening, deposits, withdrawals, bonus eligibility, dispute resolution, and the limits of our liability. Our goal is transparency: you should understand what we expect from you, and what you can expect from us.
These terms apply to all panji users, whether you're accessing our platform via Android APK, iOS browser, or desktop. Our services are available only where local law permits. We do not offer our services in jurisdictions where online wagering is prohibited, and users are responsible for verifying that their access and use comply with their own jurisdiction's law.
This page outlines our core policies. For specific questions about your account, deposits, or withdrawal requests, our support team is available via live chat and email during business hours. We respond in English and Indonesian.
Account opening and eligibility on panji
To open an account on panji, you must be legally permitted to use our services where you reside. You must provide accurate information—your real name, email address, date of birth, and identity document details. We do not permit multiple accounts per person. If we discover duplicate accounts, we close the additional accounts and may forfeit associated balances.
Our panji account opening process requires email verification. We send a confirmation link to your email address; you click the link to verify. We also conduct Know Your Customer (KYC) verification: you submit a photo of your identity document (national ID, passport, or driving licence) and a selfie. Our verification team reviews these documents and notifies you of approval status. Verification typically completes within one business day, though complex cases may take longer.
Once your panji account is verified, you can deposit funds and start playing. We require a verified account before you can withdraw; this protects both you and us against fraud and money laundering.
Deposits and payment on panji
We accept deposits via DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, and bank transfers through mobile banking, local payment, online payment, and e-wallet. Our deposit process is mobile-optimized and takes just a few taps on your phone. Most deposits process within seconds for e-wallets and within one business day for bank transfers.
When you deposit on panji, funds are added to your account balance and become available immediately. We do not charge deposit fees on most payment methods. Deposits are non-refundable—once you've transferred funds to us, that transaction cannot be reversed. If you deposit in error, contact our support team promptly; we may be able to assist with specific situations.
We undertake to process all legitimate deposits accurately. If your deposit does not appear in your panji account within the expected timeframe, contact our support team with your transaction receipt. We investigate discrepancies and credit your account if an error occurred on our end.
Withdrawals and verification on panji
You can withdraw funds from your panji account anytime. Navigate to Cashier, select Withdraw, choose your payment method, and enter the amount. We process withdrawal requests during our standard business hours. Funds are sent to your original payment method. Timing depends on your bank or e-wallet—most withdrawals reach you within one to three business days.
We may request additional verification before processing a withdrawal, especially if it's your first withdrawal or if the amount is unusually large. We may ask for proof of payment method ownership—for example, a screenshot of your mobile banking or local payment account showing the phone number you registered with panji. This is standard anti-fraud practice and protects your account from unauthorized access.
If a withdrawal is delayed or rejected, we notify you with an explanation. Common reasons include verification documents being unclear (we'll ask you to resubmit), payment method mismatches (the account name must match your panji account name), or temporary system issues. Our support team helps you resolve any withdrawal issues.
On panji, we handle your deposits and withdrawals with the same care we expect in return—accurate, timely, and transparent.
Bonus terms and promotions on panji
We occasionally offer promotional bonuses to new or existing players on panji. Any bonus offer includes specific terms—eligibility requirements, wagering conditions, time limits, and game restrictions. We publish these terms clearly when we announce the promotion. You must meet all conditions to claim and withdraw a bonus.
Bonuses on panji are not guaranteed and may be withdrawn or modified at our discretion. If you have questions about bonus eligibility or terms, our support team can clarify before you claim a promotion. Bonus funds are separate from your real-money balance; you typically must wager bonus funds a certain number of times before converting them to withdrawable funds.
Account suspension and closure on panji
We reserve the right to suspend or close your panji account if you violate these terms or our community standards. Violations include providing false information, attempting fraud, abusing bonuses, or using multiple accounts. We notify you of suspension and the reason. If we close your account due to breach, we may forfeit your account balance according to the severity of the violation.
You can close your panji account anytime. Submit a closure request via our support team, and we'll close your account within one business day. Any remaining balance is returned to your verified withdrawal method. Closure is permanent—you cannot reopen the same account.
Dispute resolution and liability on panji
If you dispute a transaction, game result, or account balance on panji, contact our support team with details. We investigate disputes and respond within three business days. Most disputes are resolved through account reconciliation or transaction reversal if an error occurred on our end.
If you cannot resolve a dispute with our support team, you may escalate to our management team. We handle escalations in order and typically respond within five business days. We aim to resolve all disputes fairly and transparently.
Our liability on panji is limited to the amount you have deposited in your account. We are not liable for indirect losses, lost profits, or consequential damages. We undertake to protect your data and funds, but we cannot guarantee zero risk—use panji at your own discretion and only with funds you can afford to lose.
Jurisdiction notice and compliance
Our panji platform is available only where local law permits. We do not offer our services in jurisdictions where online wagering is prohibited. Users are responsible for verifying that their access and use comply with their own jurisdiction's law. We cannot guarantee that our services are legal where you reside—check your local regulations before using panji.
These terms are governed by the laws applicable to our platform's jurisdiction of operation. Any legal action arising from these terms must be brought in the appropriate court for that jurisdiction. We encourage users in Jakarta, Surabaya, Bandung, and Medan to verify local regulations before using our platform.
Our panji platform commitments
We at panji are committed to fair play, transparent operations, and responsible customer service. We use certified random number generators for all games, conduct independent audits of our game fairness, and publish our Return to Player (RTP) percentages. We process all withdrawals promptly and do not withhold funds arbitrarily.
We also maintain strict data security. We use SSL encryption for all sensitive data, store your information securely, and do not share your personal details with third parties without your consent (except where required by law). Our support team is available during business hours to help with account issues, payment problems, or questions about these terms.
By using panji, you acknowledge that you have read and understood these terms and agree to comply with them. If you have questions about any aspect of these terms, contact our support team via live chat or email. We're here to help.