Terms & Conditions

1. Definitions

For the purposes of these Terms and Conditions, the following definitions shall apply:

• "naga11," "We," "Us," "Our" refers to the naga11 online gaming platform operated under the domain naga11.cam and all associated services.
• "You," "Your," "Player," "Member" refers to any individual who registers an account, accesses, or uses the naga11 platform.
• "Account" means the personal gaming account created by a Player upon successful registration with naga11.
• "Services" means all online gaming services provided by naga11, including but not limited to sports betting, live casino games, slot games, and togel (traditional Indonesian numbers lottery) draws.
• "Platform" refers to the naga11 website accessible at https://naga11.cam and any associated mobile applications or interfaces.
• "Deposit" means funds transferred by a Player into their naga11 Account via approved payment methods including Indonesian banks (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon) and e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja).
• "Withdrawal" means the transfer of funds from a Player's naga11 Account balance to their designated bank account or e-wallet.
• "Bonus" refers to promotional credits, free spins, cashback, or other incentives offered by naga11, subject to specific terms and wagering requirements.
• "KYC" (Know Your Customer) refers to the identity verification process requiring Players to submit government-issued identification (Indonesian National ID/KTP) and other documents to verify age, identity, and residency.
• "Wagering Requirement" means the number of times a Bonus amount must be wagered before it can be withdrawn as cash.

2. Acceptance of Terms

By registering an Account with naga11, accessing the Platform, or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not agree with any provision of these Terms, you must immediately cease using the Platform and close your Account.

naga11 reserves the right to amend, modify, or update these Terms and Conditions at any time without prior notice. Any changes will be effective immediately upon posting on the Platform. It is your responsibility to review these Terms periodically. Continued use of the Platform after changes have been posted constitutes acceptance of the revised Terms.

These Terms and Conditions constitute a legally binding agreement between you and naga11. By using our Services, you also agree to comply with all applicable laws and regulations of the Republic of Indonesia and your local jurisdiction regarding online gaming, gambling, and financial transactions.

3. Eligibility Requirements

To register an Account and use naga11's Services, you must meet all of the following eligibility criteria:

• Legal Capacity: You must have the legal capacity to enter into binding contracts under Indonesian law and the laws of your jurisdiction.
• Residency: You must be a resident of Indonesia or a jurisdiction where online gaming is not explicitly prohibited by law. It is your responsibility to ensure that your use of naga11 complies with local regulations.
• Single Account Policy: Each Player is permitted to register and maintain only one (1) Account with naga11. Creating multiple accounts to circumvent restrictions, abuse bonuses, or engage in fraudulent activity is strictly prohibited and will result in immediate account closure and forfeiture of all funds.
• Non-Exclusion Status: You must not be subject to self-exclusion, temporary suspension, or permanent ban from naga11 or any other gaming platform. If you have previously self-excluded from naga11, you must contact customer support and wait for the exclusion period to expire before creating a new Account.
• Personal Use Only: Your Account is for personal, recreational use only. Commercial use, professional gambling, syndicate betting, or using the Account on behalf of third parties is strictly forbidden.

naga11 reserves the right to refuse service, deny account registration, or close existing accounts for any Player who does not meet these eligibility requirements or who provides false, misleading, or incomplete information during registration.

4. Account Registration and Security

To use naga11's Services, you must create an Account by providing accurate, current, and complete information including your full legal name, date of birth, email address, phone number, residential address, and preferred password. You agree to:

• Provide Accurate Information: All information submitted during registration must be truthful and accurate. Providing false, fraudulent, or misleading information is grounds for immediate account termination.
• Verify Your Identity (KYC): naga11 requires all Players to complete identity verification by submitting a clear photo or scan of your Indonesian National ID (KTP) and a recent selfie holding your ID. This process may also require proof of address (utility bill, bank statement dated within the last 3 months). KYC verification is mandatory before processing your first withdrawal.
• Maintain Account Security: You are solely responsible for maintaining the confidentiality of your login credentials (username and password). You must not share your Account with any third party. Any activity conducted through your Account will be deemed your responsibility.
• Report Unauthorized Access: If you suspect unauthorized access to your Account or notice any suspicious activity, you must immediately notify naga11 customer support at [email protected]. We are not liable for losses resulting from unauthorized access if you fail to adequately protect your credentials.
• Update Information Promptly: You must notify naga11 of any changes to your contact information, payment details, or personal circumstances that may affect your Account status.

5. Deposits and Payments

naga11 accepts deposits in Indonesian Rupiah (IDR) via approved payment methods including bank transfers (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon) and e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja). The following terms apply to all deposit transactions:

Deposit Requirements

• Minimum and Maximum Limits: Each payment method has minimum and maximum deposit limits as displayed on the Platform. Minimum deposits typically start at Rp 25,000 for e-wallets and Rp 50,000 for bank transfers. Maximum limits vary by payment method and may be subject to change.
• Own Funds Only: You may only deposit funds that legally belong to you. Deposits made using third-party bank accounts, credit cards, or e-wallets not registered in your name will be rejected, and funds will be returned to the source account minus applicable transaction fees.
• Source of Funds: naga11 reserves the right to request documentation verifying the source of your deposited funds as part of anti-money laundering (AML) compliance. Failure to provide requested documentation may result in account suspension or closure.
• No Chargebacks: Once a deposit has been successfully credited to your Account, you may not request a chargeback, reversal, or refund unless the deposit was made in error by naga11. Disputing legitimate deposits with your bank or payment provider is considered fraud and will result in immediate account closure and referral to legal authorities.
• Processing Time: Deposits via BCA, BRI, BNI, Mandiri, and major e-wallets are typically processed instantly. Deposits via other banks may take up to 15 minutes. If your deposit has not been credited within 30 minutes, contact customer support with your transaction reference number.
• Deposit Fees: naga11 does not charge fees for deposits. However, your bank or e-wallet provider may apply standard transaction fees, which are beyond our control.

Promotional Deposits

Certain deposits may qualify for promotional bonuses (welcome bonus, reload bonus, deposit match bonus). Accepting a bonus means you agree to the specific terms of that promotion, including wagering requirements, eligible games, maximum bet limits, and expiry dates. Bonus terms are published on the Platform and take precedence over these general Terms for matters relating to that specific promotion.

6. Withdrawals

Players may request withdrawal of their Account balance to their registered bank account or e-wallet at any time, subject to the following conditions:

Withdrawal Requirements

• KYC Verification Required: Your Account must be fully verified (KYC completed) before your first withdrawal can be processed. Unverified accounts will have withdrawal requests placed on hold until identity verification is complete.
• Minimum Withdrawal: The minimum withdrawal amount is typically Rp 50,000. Withdrawal limits may vary by payment method and Player tier (Bronze, Silver, Gold).
• Withdrawal to Source Account: Withdrawals must be made to a bank account or e-wallet registered in your own name. We cannot process withdrawals to third-party accounts for security and AML compliance reasons.
• Wagering Requirement for Bonuses: If you have an active bonus on your Account, you must complete the wagering requirement before you can withdraw bonus funds. Real money deposits can be withdrawn at any time (subject to a minimum 1x wagering requirement to prevent money laundering).
• Processing Time: Withdrawal requests are typically processed within 15 minutes to 24 hours depending on your verification status, payment method, and Player tier. First-time withdrawals may take up to 48 hours for additional security verification. Withdrawals to BCA, BRI, BNI, and Mandiri are typically fastest. E-wallet withdrawals (OVO, DANA, GoPay) are processed within 1-4 hours.
• Withdrawal Limits: Daily, weekly, and monthly withdrawal limits apply based on your Account tier. Bronze members may have lower limits compared to Silver and Gold VIP members. Contact customer support to inquire about your specific limits.
• Withdrawal Cancellation: You may cancel a pending withdrawal request before it has been processed. Once a withdrawal has been approved and sent to your bank or e-wallet, it cannot be reversed.

7. Bonuses and Promotions

naga11 offers various bonuses and promotions including welcome bonuses, deposit match bonuses, cashback offers, reload bonuses, free spins, and loyalty rewards. All bonuses are subject to specific terms and conditions, which are displayed on the Platform at the time the bonus is offered. By accepting a bonus, you agree to comply with its terms. General bonus conditions include:

General Bonus Terms

• Wagering Requirements: All bonuses carry a wagering requirement, which is the number of times you must wager the bonus amount (and sometimes the deposit amount) before you can withdraw bonus funds as cash. Typical wagering requirements range from 5x to 40x depending on the promotion. Wagering progress is displayed in your Account dashboard.
• Eligible Games: Not all games contribute equally to wagering requirements. Slots typically contribute 100%, while table games (Blackjack, Roulette, Baccarat) may contribute 10%-50%, and some games may be excluded entirely. Check the specific promotion terms for game contribution rates.
• Maximum Bet Limit: While wagering a bonus, you may be restricted to a maximum bet per spin or hand (typically Rp 25,000 to Rp 50,000). Exceeding the maximum bet limit may void the bonus and any winnings derived from it.
• Bonus Expiry: Bonuses and associated wagering requirements must be completed within a specified time period (typically 7-30 days from the date the bonus is credited). Expired bonuses and any associated winnings will be removed from your Account.
• One Bonus at a Time: You may only have one active bonus on your Account at any given time. You must complete or forfeit your current bonus before claiming a new one.
• Bonus Abuse: Creating multiple accounts to claim bonuses repeatedly, using betting strategies designed solely to meet wagering requirements with minimal risk (e.g., betting on all outcomes of a roulette spin), or any other form of bonus abuse will result in bonus forfeiture, account closure, and confiscation of funds.
• Right to Refuse: naga11 reserves the right to refuse, cancel, or reclaim any bonus at our sole discretion if we determine that the bonus has been obtained fraudulently or if you have violated the bonus terms.

8. Gameplay and Betting Rules

When placing bets or playing games on naga11, you agree to abide by the following rules:

General Gameplay Rules

• Game Rules: Each game on naga11 (sports betting, casino games, slots, togel lottery) has its own specific rules, payout structures, and betting options. It is your responsibility to understand the rules of any game before placing bets. Game rules are accessible within each game interface.
• Bet Finality: Once a bet has been placed and confirmed, it cannot be canceled, changed, or reversed. Ensure all bet details (amount, selection, odds) are correct before confirming. naga11 is not responsible for user error in placing bets.
• Odds and Payouts: Odds for sports betting are determined by naga11 based on market conditions and may change in real-time. Once a bet is placed, the odds at the time of placement are locked in. Payouts for casino games and slots are determined by the game's published Return to Player (RTP) percentage and paytable.
• Technical Malfunctions: In the event of a technical malfunction, system error, or software failure that affects game outcomes or bet settlement, naga11 reserves the right to void affected bets and refund the stake. Malfunctions void all pays and plays.
• Disputed Outcomes: All game outcomes are determined by certified Random Number Generators (RNG) for casino games and official results from licensed sports leagues and togel lottery operators. If you dispute a game outcome, you must contact customer support within 7 days of the event with detailed information. naga11's decision on disputed outcomes is final.
• Collusion and Syndicate Betting: Collusion with other players, syndicate betting, or using the Platform to facilitate illegal betting rings is strictly prohibited. Any suspicion of coordinated betting activity will result in account suspension and investigation.

Sports Betting Specific Rules

• All sports bets are settled based on official results from the governing sports body (e.g., FIFA for football, UEFA for Champions League, PSSI for BRI Liga 1).
• Live (in-play) betting odds update in real-time. Bets placed during live matches are subject to slight delays for risk management purposes.
• If a match is abandoned, postponed, or canceled, bets will typically be voided and stakes refunded unless the match resumes within 48 hours.
• Cashout functionality allows you to settle your bet before the event ends. Cashout value is calculated dynamically based on current match state and odds. naga11 reserves the right to refuse cashout requests at our discretion.

Togel Lottery Specific Rules

• All togel bets are based on official draw results from Singapore Pools (Togel SGP), Hong Kong Jockey Club (Togel HK), and other licensed lottery operators.
• Results are published immediately after official draw times (Togel SGP: 17:45 WIB Wednesday/Saturday/Sunday; Togel HK: 23:00 WIB daily; Togel SDY: 14:00 WIB daily).
• Payouts are calculated based on the bet type (4D, 3D, 2D, Colok Bebas, Colok Jitu, etc.) and published payout tables.
• If an official draw is canceled or delayed, all bets for that draw will be voided and stakes refunded.

9. Responsible Gaming

naga11 is committed to promoting responsible gaming and preventing gambling-related harm. We provide tools and resources to help you stay in control of your gaming activity:

Self-Limit Tools

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts to control your spending.
• Loss Limits: Cap the maximum amount you can lose within a chosen time period.
• Session Time Reminders: Receive alerts after playing for a set duration to remind you to take breaks.
• Wagering Limits: Restrict the total amount you can wager per day, week, or month.
• Cool-Off Period: Temporarily suspend your Account for 24 hours, 7 days, or 30 days if you need a break from gaming.
• Self-Exclusion: Permanently close your Account if you feel gambling is negatively impacting your life. Self-exclusion is irreversible for a minimum period (typically 6 months to 5 years).

All self-limit tools are accessible via your Account settings under "Responsible Gaming." Limits take effect immediately and cannot be increased until the cooling-off period expires (typically 24-48 hours). For more information, visit our dedicated Responsible Gaming page.

10. Prohibited Activities

The following activities are strictly prohibited on naga11 and will result in immediate account suspension, fund forfeiture, and potential legal action:

• Underage Gambling: Creating an account or gambling if you are under 21 years of age.
• Fraudulent Activity: Providing false information during registration, using stolen payment methods, creating multiple accounts, or any form of fraud or deception.
• Money Laundering: Using naga11 to launder illegally obtained funds or engaging in suspicious financial activity.
• Bonus Abuse: Creating multiple accounts to claim bonuses repeatedly, using exploitative betting strategies, or violating bonus terms.
• Collusion and Cheating: Colluding with other players, using automated betting software (bots), exploiting software bugs, or any other form of cheating.
• Hacking and Unauthorized Access: Attempting to gain unauthorized access to other players' accounts, naga11's systems, or interfering with the Platform's operation.
• Chargebacks and Payment Disputes: Disputing legitimate deposits with your bank or payment provider to fraudulently reclaim funds.
• Insider Betting: Placing bets based on non-public information (e.g., match-fixing, insider knowledge of sporting events).
• Commercial Use: Using your Account for commercial purposes, professional gambling, or on behalf of third parties.

naga11 employs sophisticated fraud detection systems and regularly reviews account activity for suspicious behavior. If we detect prohibited activity, we will immediately suspend your Account pending investigation. Confirmed violations will result in permanent account closure, forfeiture of all funds (deposits and winnings), and reporting to relevant authorities where applicable.

11. Limitation of Liability

To the fullest extent permitted by Indonesian law, naga11 and its owners, operators, employees, affiliates, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Platform or Services, including but not limited to:

• Loss of funds due to your own error, negligence, or failure to follow proper betting procedures.
• Losses resulting from technical malfunctions, system downtime, internet connectivity issues, or third-party payment processor failures.
• Unauthorized access to your Account due to your failure to maintain the confidentiality of your login credentials.
• Disputes with other players, gaming outcomes, or bet settlements where naga11 has acted in accordance with these Terms.
• Changes to Indonesian law, regulatory requirements, or payment provider policies that affect your ability to use the Platform.
• Any losses incurred while gambling, which is inherently risky and subject to chance.

Gaming Disclaimer: Online gambling involves risk, and there is no guarantee of winning. naga11 does not promise or suggest that you can consistently profit from gambling. All games operate with a house edge (casino games) or margin (sports betting), which means the operator has a mathematical advantage over time. You should only gamble with funds you can afford to lose, and you acknowledge that gambling is a form of entertainment, not a reliable source of income.

Service Availability: naga11 makes no guarantee that the Platform will be available at all times without interruption. We reserve the right to suspend, modify, or discontinue any part of the Services at any time for maintenance, upgrades, legal compliance, or any other reason. We are not liable for any inconvenience or losses resulting from service interruptions.

12. Account Termination and Suspension

naga11 reserves the right to suspend or permanently close your Account at any time, with or without notice, for any of the following reasons:

• Violation of any provision of these Terms and Conditions.
• Failure to complete KYC verification within a reasonable timeframe.
• Providing false, misleading, or incomplete information during registration or KYC verification.
• Engaging in prohibited activities such as fraud, money laundering, bonus abuse, collusion, or underage gambling.
• Requesting self-exclusion or cool-off period as part of responsible gaming measures.
• Extended period of account inactivity (typically 12 months or more).
• Legal or regulatory requirements mandating account closure.
• Any other reason determined by naga11 at our sole discretion.

Voluntary Account Closure: You may request voluntary closure of your Account at any time by contacting customer support. Before closing your Account, you must withdraw your remaining balance. Any active bonuses will be forfeited upon account closure. Once an Account is closed, it cannot be reopened except in cases where the closure was temporary (cool-off period) and the specified time period has elapsed.

Effect of Termination: Upon account termination, your access to the Platform and Services will be immediately revoked. If your Account is closed due to Terms violations, naga11 reserves the right to forfeit your remaining balance and any pending withdrawals. If your Account is closed at your request or due to self-exclusion, your remaining balance will be returned to you via your registered payment method after deducting any applicable processing fees.

Obligations Survive Termination: Provisions of these Terms regarding intellectual property rights, limitation of liability, dispute resolution, and governing law shall survive termination of your Account.

13. Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which naga11 is licensed to operate, without regard to conflict of law principles. By using the Platform, you consent to the exclusive jurisdiction of the courts in that jurisdiction for the resolution of any disputes arising from these Terms or your use of the Services.

Dispute Resolution Process

If you have a dispute with naga11 regarding your Account, a bet settlement, a withdrawal, or any other matter, you must first attempt to resolve the issue by contacting our customer support team at [email protected]. Provide detailed information about your dispute, including your Account username, transaction IDs, screenshots, and any other relevant documentation.

naga11 will investigate your dispute and respond within 7 business days with our findings and proposed resolution. If you are not satisfied with our response, you may escalate the dispute to naga11's management team for further review. Most disputes are resolved amicably through this internal process.

If a dispute cannot be resolved through customer support, you agree to submit the matter to binding arbitration in accordance with the arbitration rules of the jurisdiction where naga11 is licensed. Arbitration proceedings shall be conducted in English, and the arbitrator's decision shall be final and binding on both parties. You waive your right to participate in class action lawsuits or class-wide arbitration against naga11.

Time Limit for Disputes: You must raise any dispute with naga11 within 30 days of the incident giving rise to the dispute (e.g., the date of a disputed bet, withdrawal, or account action). Disputes raised after 30 days will not be considered.

14. Contact Information

If you have questions about these Terms and Conditions, need assistance with your Account, or wish to report a problem, please contact naga11 customer support through the following channels:

• Email: [email protected] (Please note: displayed as plain text only for security reasons. Copy and paste this address into your email client.)
• Live Chat: Available 24/7 through the Platform interface. Average response time: 2-5 minutes.
• WhatsApp: +62 821 1234 5678 (Indonesian-speaking agents available 24/7)
• In-App Messaging: Send a message directly through your naga11 Account dashboard for non-urgent inquiries.

Our customer support team is available around the clock to assist Indonesian players with account issues, payment questions, technical problems, and responsible gaming support. All communications with naga11 are confidential and protected by our Privacy Policy.

Office Hours for Management Issues: For escalated disputes or management-level inquiries, our office hours are Monday-Sunday, 09:00-22:00 WIB (Western Indonesia Time).