Terms & Conditions

In these Terms & Conditions, the following terms shall have the meanings ascribed to them below unless the context clearly requires otherwise:

• "naga22", "we", "us", "our" refers to the naga22 online betting and casino platform operated at naga22.cam and its associated mobile-optimized interfaces.
• "Platform" means the naga22 website, any mobile browser interface, and all services, tools, and content made available through them.
• "Member", "you", "your" refers to any individual who has registered a naga22 account or who accesses the Platform in any capacity.
• "Account" means the personal account registered by a Member on the Platform, used to access betting markets, casino games, and financial services.
• "Balance" means the total real-money funds held in a Member's Account at any given time, denominated in Indonesian Rupiah (IDR).
• "Bonus Funds" means any promotional credits, free bets, or wagering bonuses credited to a Member's Account under a promotion, distinct from real-money Balance until wagering requirements are satisfied.
• "Wager" / "Bet" means any financial stake placed by a Member on an outcome of a sporting event, casino game, lottery draw, or other wagering market offered on the Platform.
• "KYC" (Know Your Customer) means the identity verification process required before withdrawal of funds, including submission of a government-issued identity document and proof of ownership of the payment method used.
• "Prohibited Conduct" has the meaning ascribed in Clause 8 of these Terms.
• "IDR" / "Rupiah" means Indonesian Rupiah, the sole transaction currency on the naga22 Platform.

To be eligible to register and maintain a naga22 Account, you must satisfy all of the following conditions at the time of registration and on a continuing basis throughout your membership:

• You are at least 21 years of age on the date of account registration.
• You are a natural person (not a corporation, trust, or other legal entity) acting on your own behalf.
• You are accessing the Platform from a jurisdiction where online betting is not explicitly prohibited by the laws applicable to you personally.
• You are not a current or former employee, director, officer, contractor, or agent of naga22, nor a close family member or household associate of any such person, for the purposes of promotional participation.
• You have not previously had a naga22 Account suspended or permanently closed for breach of these Terms.
• You are not subject to a self-exclusion order that is currently active on the naga22 Platform or any partner platform.
• You have full legal capacity to enter into a binding agreement under the laws of your country of residence.

naga22 reserves the right to request documentary evidence of eligibility at any time and to suspend or close an Account pending verification. Providing false information in connection with any eligibility requirement constitutes a material breach of these Terms and may result in permanent account closure and forfeiture of any Balance or Bonus Funds.

Each individual is permitted to hold exactly one (1) naga22 Account. Creating, operating, or benefiting from multiple accounts — whether under the same or different personal details — constitutes a serious breach of these Terms and will result in the immediate suspension of all associated accounts, forfeiture of all balances, and a permanent ban from the Platform.

3.1 Registration Information

During registration, you are required to provide accurate, current, and complete information including but not limited to:

• Full legal name as it appears on your government-issued identity document (KTP or Passport).
• Date of birth confirming you are 21 years of age or older.
• A valid personal email address to which you have exclusive access.
• A mobile telephone number registered in your name.
• Bank account or e-wallet details for the payment method you intend to use for deposits and withdrawals.

3.2 Account Credentials

You are solely responsible for maintaining the confidentiality of your username and password. You must not share your login credentials with any third party. naga22 will never request your password under any circumstances. You agree to notify naga22 immediately via live chat or email if you suspect unauthorized access to your Account.

3.3 Account Currency

All naga22 Accounts are denominated exclusively in Indonesian Rupiah (IDR). No multi-currency accounts are available. All deposits, wagers, winnings, and withdrawals are processed in IDR. naga22 does not charge currency conversion fees as no conversion takes place on the Platform.

naga22 is committed to maintaining a secure, fraud-free platform. In accordance with internationally recognized anti-money-laundering (AML) and Know Your Customer (KYC) standards, naga22 requires all Members to complete identity verification before processing their first withdrawal and at any subsequent time at naga22's reasonable discretion.

4.1 Required Documents

For standard account verification, you will be required to submit:

• A clear copy of a valid government-issued photo ID — Indonesian National Identity Card (KTP) or valid passport.
• A selfie photograph holding your identity document next to your face, taken within the past 30 days.
• Proof of ownership of the bank account or e-wallet registered for withdrawals (e.g., a screenshot of your BCA, BRI, BNI, or Mandiri mobile banking app showing your name and account number, or an OVO / DANA / GoPay account screenshot).

4.2 Enhanced Due Diligence

For high-volume accounts or where automated fraud signals are detected, naga22 may request additional documentation including proof of source of funds or enhanced account activity review. Failure to provide requested documentation within 14 calendar days may result in account suspension.

4.3 Data Handling

All KYC documents are handled in strict accordance with our Privacy Policy. Documents are stored using AES-256 encryption and accessed only by authorised naga22 compliance personnel.

5.1 Supported Deposit Methods

naga22 accepts deposits via the following payment channels, all denominated in IDR:

• Local bank transfers: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, BSI (Bank Syariah Indonesia), Bank Permata, Bank Danamon.
• E-wallets: OVO, DANA, GoPay, ShopeePay, LinkAj a.

Minimum deposit amounts and processing times vary by payment method. Deposits via e-wallet are typically credited to your Account within 60 seconds of confirmed transfer. Bank transfer deposits are credited upon receipt of cleared funds, generally within 5–15 minutes during banking hours (08:00–21:00 WIB).

5.2 Deposit Limits

The minimum deposit on naga22 is Rp 10.000. There is no standard maximum deposit limit for verified accounts; however, naga22 reserves the right to apply transaction limits at its discretion for risk management or regulatory compliance purposes. Members may also voluntarily set their own deposit limits through the Responsible Gaming tools available in their Account settings.

5.3 Withdrawal Policy

Withdrawal requests are subject to the following conditions:

• Your Account must have completed KYC verification (Clause 4) before your first withdrawal is processed.
• The minimum withdrawal amount is Rp 50.000.
• Withdrawals must be made to the same bank account or e-wallet used for your most recent deposit, unless you have submitted and received approval for a change of payment method via the KYC process.
• Withdrawal requests submitted before 22:00 WIB on a business day are typically processed within 5 minutes for e-wallets and within 15 minutes for bank transfers. Requests submitted after 22:00 WIB may be processed the following business day.
• naga22 does not charge withdrawal fees; however, your bank or e-wallet provider may apply their own transaction charges.
• naga22 reserves the right to delay or withhold a withdrawal pending completion of KYC, investigation of suspected Prohibited Conduct, or receipt of a regulatory inquiry.

5.4 Wagering Requirement Prior to Withdrawal

Real-money deposits that have not been subject to any wagering activity must be wagered at least one (1) time before a withdrawal request is approved. This requirement exists solely for payment fraud prevention purposes and does not constitute a bonus wagering requirement. Bonus Funds are subject to separate wagering requirements as described in Clause 6.

naga22 offers a range of promotional bonuses to eligible Members including welcome bonuses, reload bonuses, cashback offers, free bet credits, and VIP program rewards. All promotions are subject to specific terms published on the relevant promotion page, which form part of these Terms by reference. In the event of any conflict between promotion-specific terms and these general Terms, the promotion-specific terms shall prevail in respect of that promotion only.

6.1 General Bonus Conditions

• Bonus offers are available to eligible Members only. naga22 reserves the right to restrict bonus eligibility based on account history, payment method, or geographic location of access.
• Each promotional offer may be claimed once per Member, per household, per device, and per IP address unless explicitly stated otherwise in the promotion terms.
• Bonus Funds cannot be withdrawn until the applicable wagering requirement has been met in full. Wagering requirements are clearly stated on each promotion page and are typically expressed as a multiple of the bonus amount (e.g., 10x, 15x, or 20x).
• Only wagers placed on eligible game categories contribute toward wagering requirements. Contribution rates vary by game type: sports betting wagers generally contribute 100%; slot games contribute 100%; live casino games typically contribute 10%–20%. Specific contribution rates are listed on each promotion page.
• naga22 reserves the right to withdraw, amend, or cancel any promotional offer at any time without prior notice, provided that any bonus already credited and actively being wagered by a Member shall be honoured under the terms at the time of crediting.

6.2 Prohibited Bonus Practices

• Creating multiple accounts to claim bonuses more than once ("multi-accounting").
• Coordinating with other Members to collectively exploit bonus structures ("bonus syndication").
• Placing offsetting or low-risk bets designed to meet wagering requirements without genuine risk exposure ("bonus arbitrage" or "bonus scalping").
• Using VPN, proxy services, or other IP-masking tools to circumvent geographic or eligibility restrictions on promotions.

All wagers placed on naga22 are subject to the specific game rules and betting regulations applicable to the relevant product. These rules are available within each game or betting market interface on the Platform. The following general principles apply across all wagering products:

7.1 Sports Betting

• All sports bets, including football (bandar bola — sportsbook wagering), mix parlay (combination accumulator) tickets, and Asian handicap (voor bola) lines, are settled in accordance with naga22's official sports betting rules and the result confirmed by the relevant governing body (e.g., FIFA, AFC, PSSI for Indonesian football).
• In-play bets are accepted subject to market availability. Once confirmed, an in-play bet cannot be cancelled or amended.
• In the event that an event is postponed, abandoned, or voided by the governing body, naga22 will settle affected bets in accordance with its sports betting rules — generally returning stakes for voided selections.
• naga22 reserves the right to void any bet placed at an incorrectly published odds price due to a pricing error ("palpable error"). Members will be notified of any such voiding and stakes will be returned.

7.2 Casino & Slot Games

• All slot games from providers including Pragmatic Play, Pocket Games Soft, NetEnt, and Microgaming use certified Random Number Generators (RNGs) independently audited for fairness.
• Live casino games powered by Evolution Gaming are governed by the rules displayed within the live game interface. The dealer's ruling on any hand or spin outcome is final.
• Published Return-to-Player (RTP) percentages represent long-run theoretical averages and do not guarantee any particular outcome for an individual session.

7.3 Togel

Togel (Indonesia's traditional numbers lottery) draws on naga22 are settled based on the official result declared by naga22's certified draw system at the scheduled draw time (WIB). Draw schedules and prize structures are displayed on the togel product page. Results are final once the draw has been officially declared.

The following actions constitute Prohibited Conduct on the naga22 Platform. Engaging in any of the following may result in immediate account suspension, permanent closure, forfeiture of all balances and winnings, and — where applicable — referral to relevant authorities:

• Registering more than one Account on the Platform.
• Providing false, misleading, or fraudulent information at registration or during KYC.
• Using stolen, unauthorized, or third-party payment methods for deposits or withdrawals.
• Engaging in any form of match-fixing, collusion, or manipulation of sporting outcomes for the purpose of obtaining an unfair betting advantage.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with the Platform in a manner not sanctioned by naga22.
• Exploiting software bugs, glitches, or errors in the Platform to gain an unfair advantage. Any winnings derived from a demonstrable technical error will be voided.
• Engaging in money laundering, terrorist financing, or any other financial crime through the Platform.
• Harassing, threatening, or abusing naga22 staff or other Members via live chat, email, or any other communication channel.
• Attempting to access accounts belonging to other Members or to gain unauthorized access to any part of the Platform's back-end systems.
• Engaging in any form of bonus abuse as described in Clause 6.2.

All content on the naga22 Platform, including but not limited to the naga22 name, logo, trade dress, website design, software, text, graphics, images, audio-visual content, and game interfaces, is the exclusive intellectual property of naga22 or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial betting and gaming activities. You may not reproduce, distribute, publicly display, modify, reverse-engineer, or create derivative works from any Platform content without the express prior written consent of naga22.

Game content, artwork, and software provided by third-party studios including Pragmatic Play, Evolution Gaming, Pocket Games Soft, NetEnt, Microgaming, and Spribe remain the intellectual property of the respective studio and are used on the Platform under valid licensing agreements.

naga22 is committed to protecting your personal data. The collection, processing, storage, and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference and forms an integral part of this agreement.

By registering an Account, you consent to naga22 processing your personal data in accordance with the Privacy Policy, including the use of that data for account management, KYC verification, fraud prevention, regulatory compliance, and the delivery of promotional communications (where opted in).

naga22 applies AES-256 encryption to stored personal data and 256-bit SSL encryption to all data in transit. We do not sell personal data to third parties. Data is shared with third-party service providers only where necessary to operate the Platform (e.g., payment processors, KYC verification services, game studio APIs) and subject to appropriate data processing agreements.

naga22 recognizes that gambling can become problematic for some individuals. We take our duty of care seriously and have implemented the following safeguards:

• Deposit Limits: Set daily, weekly, or monthly deposit caps. Changes to increase a limit take effect after a 72-hour cooling-off period.
• Loss Limits: Cap the maximum amount you can lose over a defined period.
• Session Time Limits: Set a maximum duration for each gaming session. A notification will be displayed when your limit is reached.
• Reality Check Reminders: Receive periodic on-screen notifications of time elapsed and net session result.
• Self-Exclusion: Temporarily or permanently exclude yourself from the Platform. Temporary exclusions range from 24 hours to 6 months. Permanent self-exclusion cannot be reversed for a minimum of 5 years.

For comprehensive guidance on responsible gambling tools, resources, and support contacts, please visit our dedicated Responsible Gaming page. Players who feel that gambling is becoming a problem are encouraged to seek help promptly — early intervention significantly improves outcomes.

To the fullest extent permitted by applicable law, naga22's aggregate liability to any Member for any claim arising out of or in connection with these Terms, the Platform, or any service provided thereunder shall not exceed the total real-money deposits made by that Member to their Account in the 30-day period immediately preceding the event giving rise to the claim.

naga22 shall not be liable — whether in contract, tort, statute, or otherwise — for any of the following categories of loss, even if naga22 has been advised of the possibility of such losses:

• Loss of profits, revenue, or anticipated savings.
• Loss of business, goodwill, or reputation.
• Loss or corruption of data.
• Indirect, special, incidental, or consequential losses of any kind.
• Service interruptions arising from scheduled maintenance, unscheduled outages, telecommunications failures, force majeure events (including acts of God, natural disasters, governmental actions, pandemics, or civil unrest), or third-party infrastructure failures beyond naga22's reasonable control.

naga22 makes no warranty, express or implied, that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components. The Platform is provided on an "as is" and "as available" basis. naga22 does not guarantee that any particular sporting event, casino game, or lottery draw will be available at any specific time.

13.1 Termination by naga22

naga22 reserves the right to suspend, restrict, or permanently close any Account at any time and without prior notice if naga22 reasonably determines that:

• The Member has engaged in Prohibited Conduct (Clause 8).
• The Member has provided false or fraudulent information at any stage.
• Continued operation of the Account poses a risk to naga22, other Members, or the integrity of the Platform.
• naga22 is required to do so by a regulatory authority, law enforcement body, or court order.

In the event of account closure due to Prohibited Conduct, naga22 reserves the right to forfeit any remaining Balance and Bonus Funds. Where closure is not due to Member breach, naga22 will process withdrawal of any outstanding real-money Balance following completion of KYC verification.

13.2 Voluntary Closure by Member

You may request closure of your Account at any time by contacting naga22 Customer Support via live chat or email. Before closure, any outstanding Balance will be returned to your verified withdrawal method, subject to satisfaction of the minimum withdrawal requirements in Clause 5.3. Voluntary account closure does not circumvent any active self-exclusion obligation.

naga22 reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, naga22 will notify active Members via the email address registered to their Account and/or via a prominent notice displayed on the Platform. The amended Terms will take effect 7 calendar days after notification, or immediately where required by law or to address an urgent security or compliance matter.

Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the amended Terms, you must cease using the Platform and contact Customer Support to initiate Account closure.

It is your responsibility to review these Terms periodically. The "Last Reviewed" date at the top of this page indicates when the most recent revision was made.

These Terms & Conditions are governed by and construed in accordance with internationally recognized principles of commercial and gaming law as applied by the jurisdiction under which naga22 holds its operating licence. Nothing in this Clause limits any statutory rights you may hold as a consumer under the laws of your country of residence.

In the event of any dispute arising out of or in connection with these Terms, the Parties agree to first attempt resolution through good-faith negotiation. If negotiation fails within 30 calendar days, the dispute shall be referred to and finally resolved by binding arbitration conducted in the English language under internationally recognized arbitration rules. The arbitration shall take place in a mutually agreed neutral venue. The arbitral award shall be final and binding on both Parties.

Nothing in this Clause shall prevent naga22 from seeking urgent interim or injunctive relief from a court of competent jurisdiction where necessary to protect its intellectual property rights, prevent Prohibited Conduct, or comply with a regulatory requirement.

If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact naga22 through the following channels. All communications should be in English or Bahasa Indonesia.

For responsible gaming support, deposit limit changes, or self-exclusion requests, please visit our Responsible Gaming page or contact support directly via live chat. Self-exclusion requests are actioned within 24 hours of receipt.