Terms & Conditions

1. Definitions

For the purposes of these Terms and Conditions, the following definitions shall apply throughout this document and all related policies published by ratu89:

2. Acceptance of Terms

By accessing or using any portion of the ratu89 platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions, our Privacy Policy, and our Responsible Gaming policy, all of which are incorporated herein by reference.

If you do not agree with any provision of these Terms, you must immediately cease all use of the platform. ratu89 reserves the right to modify these Terms at any time, and your continued use of the platform following publication of any modification constitutes acceptance of the revised Terms.

3. Eligibility

To use the ratu89 platform and create a real-money account, you must satisfy all of the following eligibility criteria:

1. You must be a resident of Indonesia and at least 21 years of age. Registration by individuals under 21 years of age is strictly prohibited. Any account found to belong to a minor will be immediately closed, and all funds held in the account will be forfeited pending investigation.
2. You must have full legal capacity to enter into binding agreements under the laws applicable to your place of residence.
3. You must not be a current employee, contractor, or immediate family member of ratu89 or any affiliated entity, unless explicitly authorized in writing by ratu89 management.
4. You must not be registered as a self-excluded player on ratu89 or have previously had an account closed for rule violations.
5. You must access the platform for personal entertainment purposes only, not on behalf of a third party or business entity.
6. You acknowledge that online gaming may be regulated differently depending on your specific location within Indonesia. You are solely responsible for confirming that your use of ratu89 is lawful under any local, provincial, or national regulations applicable to you.

4. Account Registration & KYC Verification

4.1 Registration Requirements

Each Player is permitted to maintain only one (1) registered account on ratu89. Operating multiple accounts is strictly prohibited and will result in permanent suspension of all associated accounts and forfeiture of balances. During registration, you must provide accurate, complete, and current information including:

• Full legal name (as it appears on your government-issued ID)
• Valid Indonesian mobile number
• Date of birth
• Email address (unique per account)
• Preferred banking/e-wallet method for transactions

4.2 Identity Verification (KYC)

ratu89 is required to conduct identity verification before processing withdrawals exceeding threshold amounts, and reserves the right to request KYC documentation at any time. Accepted documents include:

• Primary ID: Indonesian National Identity Card (KTP), Driver's License (SIM), or valid passport
• Proof of Address: Utility bill or bank statement dated within 90 days, displaying your registered address
• Payment Method Verification: Screenshot or statement from the BCA, BRI, BNI, Mandiri, OVO, DANA, or GoPay account used for transactions

Failure to complete KYC verification within 30 days of the first withdrawal request may result in temporary suspension of withdrawal privileges until documentation is provided and reviewed. ratu89 processes KYC submissions within 24-48 business hours and will notify you via email of the outcome.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your username and password. ratu89 will never ask for your password via email, live chat, or any other communication channel. If you suspect unauthorized access to your account, contact our support team immediately at [email protected]. ratu89 accepts no liability for losses resulting from unauthorized access caused by your failure to safeguard your credentials.

5. Deposits & Withdrawals

5.1 Deposits

All deposits must be made from a payment method registered in your own name. ratu89 does not accept third-party deposits. Supported deposit methods include major Indonesian banks (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata) and e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja). The minimum deposit amount is Rp 50.000 per transaction. All transactions are processed in Indonesian Rupiah (IDR).

Deposits are generally credited to your ratu89 account within minutes of successful bank confirmation. In rare cases of technical delays, please contact our 24/7 support team with your transaction reference number. ratu89 does not charge deposit processing fees; however, your bank or e-wallet provider may apply their own service charges.

5.2 Withdrawals

Withdrawals must be directed to a bank account or e-wallet registered in the same name as your ratu89 account. The minimum withdrawal amount is Rp 100.000 per transaction. Withdrawal requests are processed within 24 hours of submission under normal operating conditions, subject to the following conditions being met:

• Your account has passed KYC verification
• No active bonus wagering requirements remain outstanding on the funds being withdrawn
• Your account has not been flagged for security review
• The withdrawal does not trigger enhanced due diligence thresholds under our anti-money laundering (AML) procedures

ratu89 reserves the right to request additional documentation before processing withdrawals above Rp 10.000.000 per transaction. Withdrawal requests submitted during peak periods or Indonesian public holidays (Idul Fitri, Independence Day, and similar) may experience processing delays of up to 48 hours.

5.3 Anti-Money Laundering

ratu89 maintains a strict anti-money laundering policy in compliance with internationally recognized AML standards. We reserve the right to delay, suspend, or decline any transaction that we reasonably suspect is connected to money laundering, fraud, or any other illicit activity. Any Player found to be in breach of AML obligations will have their account immediately suspended, funds frozen pending investigation, and the matter reported to appropriate authorities.

6. Bonuses & Promotions

ratu89 offers a variety of bonuses and promotional offers to both new and existing players. All bonuses are subject to the specific terms published alongside each promotion, as well as the general bonus conditions set out in this section. In the event of a conflict between promotion-specific terms and these general Terms, the promotion-specific terms shall prevail.

6.1 General Bonus Conditions

• Bonuses are credited to a designated bonus wallet and are separate from real-money funds until wagering requirements are met.
• Each player is entitled to claim each promotion only once, unless the promotion explicitly states otherwise.
• Bonuses claimed through multiple accounts or via abusive bonus-hunting behavior (as determined by ratu89 at its sole discretion) will be voided without notice.
• ratu89 reserves the right to modify, suspend, or terminate any promotion at any time without prior notice.

6.2 Wagering Requirements

Unless stated otherwise in the specific promotion terms, all bonuses carry a wagering requirement of 30x the bonus amount before the bonus balance (and associated winnings) becomes eligible for withdrawal. For example, a bonus of Rp 100.000 requires total wagers of Rp 3.000.000 before withdrawal. Not all game types contribute equally to wagering requirements:

• Slots: 100% contribution
• Live Dealer (Blackjack, Baccarat, Roulette): 10% contribution
• Sports Betting (bandar bola — fixed-odds football markets): 50% contribution on qualifying pre-match bets at minimum odds of 1.60
• Lottery / Togel (Indonesia's traditional numbers lottery game): 50% contribution
• Poker and other table games: 5% contribution

If your account balance reaches zero before wagering requirements are met, any remaining bonus funds will be forfeited. ratu89 sets a maximum bet limit of Rp 50.000 per round while a bonus is active. Exceeding this limit may result in voiding of the bonus and associated winnings.

6.3 Expiry

Bonus funds that have not been wagered and cleared within 30 calendar days of the credit date will automatically expire and be removed from the account without notice. It is the Player's responsibility to track bonus expiry dates.

7. Gameplay Rules & Fair Play

ratu89 is committed to providing a fair, transparent, and enjoyable gaming environment for all players. The following rules govern conduct on the platform and apply to all game types including sports betting, live dealer games, slots, lottery, and all other offerings.

7.1 Prohibited Conduct

The following activities are strictly prohibited and will result in immediate account suspension, permanent ban, and forfeiture of funds:

• Collusion: Coordinating with other players to manipulate game outcomes, share information in live dealer games, or engage in chip dumping in poker.
• Automated Play: Using bots, macros, scripts, artificial intelligence tools, or any automated system to place bets or make decisions on your behalf.
• Exploit Abuse: Deliberately exploiting software bugs, glitches, or errors in games or payment systems to gain an unfair advantage.
• Arbitrage Betting: Systematically exploiting odds discrepancies across markets to guarantee profit regardless of outcome, in a manner that constitutes abuse of the platform's sportsbook offering.
• Fraudulent Chargebacks: Initiating unauthorized chargebacks or payment reversals with your bank or e-wallet provider after using deposited funds.
• Identity Fraud: Providing false personal information, using another person's identity, or operating accounts on behalf of third parties.

7.2 Game Integrity

All games available on ratu89 use certified Random Number Generators (RNGs) that have been independently tested and verified for statistical fairness and unpredictability. Published RTP (Return to Player) percentages represent long-term statistical averages calculated over millions of game rounds and do not guarantee individual session results. ratu89 does not manipulate game outcomes and has no ability to influence results once a round has been initiated.

7.3 Sports Betting Rules

Specific rules governing individual sports markets, settlement procedures, void bet conditions, and mix parlay (multi-leg accumulator bet) payouts are published in our Sports Betting Rules document accessible from the Help section of the platform. In the event of a dispute regarding bet settlement, ratu89's decision, made in accordance with the published rules, is final and binding.

8. Responsible Gaming

ratu89 is committed to promoting responsible gaming and minimizing the risk of gambling-related harm. You must be at least 21 years of age to open a real-money account. We actively encourage all players to use the responsible gaming tools available in their account settings, including deposit limits, loss limits, session time limits, reality-check reminders, and self-exclusion. Full details of these tools and resources are provided on our Responsible Gaming page.

If you believe your gambling has become problematic, please contact our support team at [email protected] to activate a self-exclusion period. Self-exclusion requests are processed immediately and remain in effect for the duration selected. ratu89 will not send promotional communications to self-excluded players and will take all reasonable steps to prevent re-registration during the exclusion period.

9. Intellectual Property

All content on the ratu89 platform — including but not limited to text, graphics, logos, button icons, images, audio clips, game interfaces, and software — is the property of ratu89 or its licensed content providers and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the platform for personal entertainment purposes only.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from ratu89 without prior written consent from ratu89 or the respective rights holder. Unauthorized use of our intellectual property will be pursued vigorously through all available legal remedies.

10. Limitations of Liability

To the fullest extent permitted by applicable law, ratu89 and its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the platform, including but not limited to:

• Loss of gaming funds due to unauthorized account access resulting from your failure to safeguard credentials
• Interruption of service caused by technical failures, maintenance, internet connectivity issues, or force majeure events
• Losses arising from your reliance on information published on the platform, including RTP data, odds, and promotional content
• Delays in deposit or withdrawal processing caused by third-party banks or e-wallet providers (BCA, BRI, BNI, Mandiri, OVO, DANA, GoPay, etc.)
• Any indirect financial loss arising from participation in gaming activities on the platform

ratu89's total aggregate liability to you for any direct damages arising under these Terms shall not exceed the amount deposited by you in the 30-day period immediately preceding the event giving rise to the claim.

11. Privacy & Data Protection

Your privacy is important to ratu89. The collection, storage, use, and disclosure of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms and Conditions. By registering an account, you consent to the processing of your personal data as described therein.

ratu89 implements industry-standard technical and organizational measures to protect your data against unauthorized access, loss, destruction, or alteration. We do not sell personal data to third parties. Data may be shared with payment processors, identity verification providers, and regulatory authorities where required by law or necessary to perform our contractual obligations to you.

12. Suspension & Termination

12.1 Termination by Player

You may close your ratu89 account at any time by contacting our support team. Prior to account closure, any pending withdrawal requests will be processed according to standard procedures, and any active bonus funds subject to outstanding wagering requirements will be forfeited.

12.2 Termination by ratu89

ratu89 reserves the right to suspend, restrict, or permanently close any account at its sole discretion, with or without prior notice, in circumstances including but not limited to:

• Breach of any provision of these Terms and Conditions
• Engagement in Restricted Activities as defined in Section 7
• Failure to complete KYC verification within required timeframes
• Reasonable suspicion of money laundering, fraud, or other criminal activity
• Provision of false, inaccurate, or misleading registration information
• Account inactivity exceeding 12 consecutive months with a remaining balance below Rp 50.000

Where an account is closed due to a rule violation, ratu89 reserves the right to void all pending bets and withhold funds pending investigation. If the investigation concludes no wrongdoing occurred, any withheld funds will be returned to the Player.

13. Amendments to These Terms

ratu89 reserves the right to amend, update, or replace these Terms and Conditions at any time. When material changes are made, we will notify registered Players via the email address associated with their account and/or by displaying a prominent notice on the platform for a minimum of 7 days before the changes take effect.

If you do not agree with any amended Terms, you must stop using the platform and may request account closure before the effective date of the changes. Continued use of ratu89 after the effective date of any amendment constitutes your acceptance of the revised Terms. We encourage you to review this page periodically to stay informed of any updates. The "Last Updated" date at the top of this document indicates when the most recent revision was made.

14. Governing Law & Dispute Resolution

These Terms and Conditions, and any dispute or claim arising out of or in connection with them (including non-contractual disputes), shall be governed by and construed in accordance with the principles of international gaming law and the applicable regulations of the jurisdiction in which ratu89 holds its operating license.

14.1 Informal Resolution

In the event of a dispute, ratu89 encourages Players to first contact our customer support team to seek an informal resolution. Our support team will endeavor to address all complaints within 5 business days. Disputes regarding game outcomes or account balances should be submitted with supporting evidence (screenshots, transaction IDs, timestamps) for expedited review.

14.2 Formal Dispute Resolution

If an informal resolution cannot be reached within 30 days of the initial complaint submission, either party may escalate the matter to binding arbitration conducted by a mutually agreed independent arbitration body. The arbitration shall be conducted in English. The arbitrator's decision shall be final and binding on both parties and may be enforced in any court of competent jurisdiction.

14.3 Class Action Waiver

To the fullest extent permitted by law, you agree that any dispute resolution proceedings will be conducted on an individual basis only, and not as part of a class, consolidated, or representative action. You expressly waive any right to participate in class action litigation against ratu89.

15. Contact Information

For questions, complaints, or requests relating to these Terms and Conditions, please contact the ratu89 support team through any of the following channels:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 via the chat interface on the ratu89 platform
• WhatsApp: +62 812-3456-7890 (displayed for reference — not a clickable link; business hours 08:00–22:00 WIB)

For legal notices or formal dispute submissions, please direct correspondence to the email address above with the subject line "Legal Notice — [Your Account ID]". We aim to acknowledge all formal correspondence within 2 business days.

If you have questions specifically about our data handling practices, please refer to our Privacy Policy or contact our Data Protection contact via the same support email with the subject line "Privacy Inquiry".