karuta Casino & Sportsbook Terms

We at karuta operate a live-dealer casino and sportsbook platform that accepts deposits via DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, local payment, online payment, and e-wallet, and we process withdrawals to the same payment methods within standard settlement windows. Our terms outline your rights and obligations when you open an account, fund it, place wagers on Liga 1, Piala AFF, live blackjack, roulette, slots, and esports, and request payouts.

These terms are not a rigid legal document designed to obscure. They describe what we, karuta, actually do—how we verify accounts, handle disputes, settle markets, and protect your funds. We frame access as jurisdiction-restricted: our services are available only where local law permits. Users are responsible for verifying that access and use comply with their own jurisdiction's law.

This page covers account eligibility, deposits and withdrawals, bonus conditions, market settlement, dispute resolution, and your data rights. If you have questions about any term, our support team can clarify in English or Indonesian.

Account Opening and Eligibility on karuta

When you join karuta, we require your email address, a secure password, your full legal name, date of birth, and a national ID number (KTP, passport, or other government-issued document). We use this information to verify your identity and confirm you meet our eligibility criteria. You must be 18 years or older and a resident of a jurisdiction where we legally operate.

We verify your phone number via SMS. This second step ensures we can contact you about account security, payment issues, and settlement questions. You can enable two-factor authentication for additional security during login and withdrawals.

Once your account is active, you can deposit and begin playing immediately. Your first withdrawal requires document verification—we ask for a photo of your ID and proof of address (utility bill, rental agreement, or bank statement). Verification typically completes within one to two business days. After that, withdrawals process subject to standard settlement times for your chosen payment method.

Deposits, Withdrawals, and Payment Methods on karuta

We support eight payment methods: e-wallets (DANA, e-wallet, mobile banking, local payment, online payment, e-wallet) and bank transfers (mobile banking, local payment, online payment, e-wallet). Deposits via e-wallet settle instantly. Bank transfers arrive within a few minutes once your bank confirms the transaction. We do not charge deposit fees; the amount you transfer is the amount you receive.

Withdrawals on karuta process to the payment method you deposited from, unless you have registered an alternative account. We do not charge withdrawal fees. E-wallet payouts typically complete within hours; bank transfers take one to two business days depending on the receiving institution. Withdrawals are subject to verification windows—if your account is flagged for compliance review, we may hold payouts for up to seven business days while we confirm legitimacy.

Bonus Terms and Conditions

We occasionally offer deposit bonuses or promotional credits. Any bonus is subject to specific terms—minimum deposit amount, expiration date, game eligibility, and rollover requirements. These terms are displayed clearly at the time you claim a bonus. We never impose hidden conditions or retroactively change bonus terms after you've accepted them.

Bonuses are not withdrawable cash; they are credits usable only for wagering. Winnings from bonus-funded wagers are withdrawable, subject to rollover completion. If you close your account while a bonus is active, any unclaimed bonus expires and cannot be reactivated.

Market Settlement and Dispute Resolution on karuta

We settle sports wagers (Liga 1, Piala AFF, Champions League, MotoGP, badminton, esports) based on the official result announced by the league, tournament body, or sports broadcast. Live-casino tables (blackjack, roulette, baccarat, Dragon Tiger) settle in real time as the game concludes. Slot games settle immediately based on the game outcome. If a market is void or disputed, we return your stake.

If you believe a settlement is incorrect, you have seven days to dispute it. Contact our support team with the bet details, screenshot, and your concern. We review the official broadcast and settlement rules, then respond within two business days. Most disputes resolve in your favor if settlement genuinely violated our published rules; some disputes are upheld if the settlement was correct.

We do not offer partial refunds or reconsiderations based on subjective opinion or bad luck. Settlement follows the rules published at the time you placed your wager. If our rules were unclear, we may offer a gesture of goodwill, but only if you contact us within the dispute window.

On karuta, settlement is based on official results, settlement rules are published before wagering closes, and disputes are resolved within two business days.

Your Rights and Our Commitments on karuta

We at karuta commit to protecting your account, processing your deposits and withdrawals fairly, and settling wagers according to published rules. We do not share your personal data with third parties except where required by law or to process your payments. Your transaction history is private and stored securely.

You retain the right to close your account at any time. Once closed, you cannot reopen it; you must create a new account if you want to use karuta again. Any balance in your closed account remains yours and can be withdrawn, subject to standard verification and settlement windows.

You are responsible for keeping your password confidential and for all activity on your account. If you suspect unauthorized access, contact us immediately. We will freeze your account and investigate. If fraud is confirmed, we will restore your balance.

Jurisdiction and Service Availability

Our services are available only where local law permits. We do not offer karuta in jurisdictions where online wagering is prohibited by law. If you are accessing karuta from Jakarta, Surabaya, Bandung, Medan, or Semarang, you are responsible for confirming that your use complies with local regulations.

We reserve the right to restrict or close accounts in jurisdictions where we become unable to legally operate. If this occurs, we will notify you and process a full withdrawal of your balance within 30 days.

Changes to These Terms

We may update these terms at any time. We will notify you of material changes via email and on our site. If you continue using karuta after a change, you accept the updated terms. If you disagree with a material change, you can close your account and request a withdrawal before the change takes effect.

These terms are governed by the jurisdiction in which karuta operates. Any dispute will be resolved first through our dispute process, then through binding arbitration if needed. You waive the right to class-action litigation.