mio4d Terms & Conditions

In these Terms & Conditions, the following terms shall have the meanings ascribed to them below. Where the context requires, the singular includes the plural and vice versa.

To be eligible to open and maintain an Account on the mio4d Platform, you must satisfy all of the following conditions at the time of registration and on a continuing basis throughout the period your Account remains active:

• You are at least 21 years of age;
• You are a natural person — corporations, trusts, partnerships, and other legal entities may not register as Players;
• You have full legal capacity to enter into a binding agreement under the laws applicable to you;
• You are accessing the Platform from a jurisdiction where doing so is not prohibited by applicable law. You accept sole responsibility for determining and complying with the laws of your jurisdiction;
• You are not a current or former employee, officer, director, contractor, or immediate family member of any employee of mio4d or any of its affiliated companies;
• You have not previously had an Account on the Platform that was suspended, restricted, or permanently closed by mio4d for any reason;
• You are not registered on any self-exclusion programme or gambling block list that would prohibit you from accessing online gaming services.

mio4d reserves the right to request documentary evidence of eligibility at any time. Providing false information in connection with eligibility is a material breach of this Agreement and will result in immediate Account closure and forfeiture of any balance held therein.

Each Player may hold only one Account on the Platform. Creating multiple accounts — whether under the same identity or different identities — is strictly prohibited and constitutes grounds for immediate suspension of all associated accounts and forfeiture of all balances.

When registering, you agree to provide accurate, current, and complete information, including your:

• Legal full name (as it appears on your national identity card or passport);
• Date of birth;
• Valid email address;
• Mobile phone number registered in Indonesia;
• Preferred Indonesian bank account or e-wallet details for withdrawal purposes.

You are solely responsible for maintaining the confidentiality of your username and password. You must notify mio4d immediately at support [ at ] mio4d.app if you suspect any unauthorised access to your Account. mio4d will not be liable for any loss resulting from unauthorised use of your Account where you have failed to take reasonable steps to protect your credentials.

mio4d may, at its sole discretion, decline to accept a registration application without being required to provide a reason for doing so.

mio4d operates a mandatory Know Your Customer (KYC) verification programme in compliance with its international gaming licence obligations and applicable anti-money-laundering standards. KYC verification is required before any withdrawal request will be processed.

To complete KYC, you will be required to submit the following documents:

• Proof of Identity: A clear photograph or scan of your Indonesian National Identity Card (KTP) or valid passport;
• Proof of Age: Satisfied by the identity document above, confirming you are 21 years of age or older;
• Proof of Payment Method: A screenshot or photograph showing your name and account number for each bank account or e-wallet (BCA, BRI, BNI, Mandiri, OVO, DANA, GoPay, ShopeePay, LinkAja) linked to your Account;
• Source of Funds Declaration: Required at mio4d's discretion for accounts with cumulative deposits exceeding a threshold determined by our compliance team.

Documents must be legible, unaltered, and current. mio4d processes KYC submissions within one to three business days. You will be notified by email upon verification of your Account. Until KYC is completed, withdrawal functionality remains disabled.

All deposits on the mio4d Platform are processed in Indonesian Rupiah (IDR). mio4d accepts deposits via the following payment channels:

• Local Bank Transfer: BCA, BRI, BNI, Bank Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, BSI (Bank Syariah Indonesia);
• E-Wallets: OVO, DANA, GoPay, ShopeePay, LinkAja.

Deposits are credited to your Account balance within minutes of successful transfer confirmation. mio4d does not charge a deposit processing fee; however, your bank or e-wallet provider may apply its own transaction charges.

The following conditions apply to all deposits:

• Minimum deposit amounts are displayed at the time of transaction and may vary by payment method;
• Deposits must originate from a payment method registered in your own name. Third-party deposits are not permitted and will be reversed;
• mio4d reserves the right to request evidence linking the depositing payment method to the Account holder's verified identity;
• Deposits made during scheduled bank maintenance windows (commonly between 00:00 and 01:00 WIB) may experience processing delays. mio4d is not liable for delays caused by the payment processor or the Player's bank.

By making a deposit, you confirm that the funds being deposited are legitimately sourced and that you are not using the Platform to conduct or facilitate any form of money laundering.

Withdrawals are processed exclusively to payment methods that are (a) registered in the Account holder's verified name, and (b) the same method used for the most recent qualifying deposit where practicable. mio4d does not process withdrawals to third-party accounts under any circumstances.

The following conditions govern all withdrawal requests:

• Your Account must be fully KYC-verified before any withdrawal request can be processed;
• Your Real Money Balance must be clear of any active wagering requirements before it is eligible for withdrawal;
• Minimum withdrawal amounts are displayed within the Account dashboard and may vary by payment channel;
• mio4d targets a withdrawal processing time of under 15 minutes for standard requests. Processing times may be longer during periods of high volume or if additional compliance checks are required;
• mio4d does not charge a withdrawal fee for standard transactions. Expedited processing requests, where available, may incur a fee disclosed at the time of the request;
• mio4d reserves the right to request additional verification documentation for any withdrawal request, particularly where the cumulative withdrawal amount is significant or where the account activity pattern triggers a compliance review.

mio4d offers a range of promotional bonuses to eligible Players. The specific terms of each promotion — including the wagering requirement multiplier, eligible games, minimum deposit, maximum bonus amount, and expiry period — are published on the relevant promotion page and form part of this Agreement when accepted.

The following general conditions apply to all bonuses unless otherwise stated in the specific promotion terms:

• Bonuses are available to Players who have completed KYC verification unless the promotion is explicitly designated as a pre-KYC welcome offer;
• A maximum of one active bonus may be held at any time unless the promotion terms expressly permit stacking;
• Bonus funds are held separately from Real Money Balance and will be applied to wagers after Real Money Balance is exhausted, unless the Player selects otherwise;
• Wagering requirements must be met within the time period stated in the promotion. Expired bonuses are forfeited without compensation;
• Not all games contribute equally toward wagering requirements. Live casino games, togel markets, and certain table games typically contribute at a lower percentage than slots. Contribution rates are published in the promotion's full terms;
• Maximum bet limits apply while a wagering requirement is active. Placing a single bet exceeding the stated maximum while a bonus is active may result in forfeiture of the bonus and associated winnings;
• mio4d reserves the right to withdraw, amend, or cancel any promotion at any time. Where a bonus has already been accepted and wagering is in progress, mio4d will honour the original terms unless fraud or abuse is suspected.

Bonus Abuse Policy: mio4d employs automated and manual monitoring to detect patterns consistent with bonus abuse, including but not limited to: low-margin hedging strategies designed to complete wagering requirements with minimal risk, coordinated multi-account bonus harvesting, and exploiting software errors or misconfigured bonus parameters. Accounts found to be engaging in bonus abuse will have bonuses forfeited and may be restricted from future promotional offers.

All games available on the mio4d Platform are operated by certified third-party studios including Evolution Gaming, Pragmatic Play, NetEnt, Microgaming, Spribe, and Pocket Games Soft. The rules of each game are governed by the relevant studio's published rules, which are accessible within the game interface.

mio4d commits to the following fair play standards:

• All random number generators (RNGs) used in slot and table games are independently certified by recognised testing laboratories;
• Live casino games are dealt by professional dealers in certified studio environments subject to ongoing monitoring and audit;
• Sportsbook odds are set and managed independently without manipulation in favour of the house beyond the published margin;
• In the event of a technical failure during a game round — including server disconnection, software malfunction, or network interruption — the outcome of the interrupted round shall be determined in accordance with the relevant game provider's technical failure policy. mio4d will not be liable for losses attributable to connectivity issues on the Player's side.

Any attempt to exploit software bugs, use prohibited third-party tools to gain an unfair advantage, engage in collusion with other Players, or manipulate game outcomes through any means constitutes a material breach of this Agreement. mio4d will void all wagers associated with exploitative activity and reserves the right to close the offending Account and retain the balance pending investigation.

mio4d is committed to promoting responsible gaming and takes its duty of care to Players seriously. The Platform provides the following player-controlled tools, all accessible from the Account dashboard at no cost:

• Deposit Limits: Set daily, weekly, or monthly caps on the amount you can deposit;
• Loss Limits: Set a maximum amount you are willing to lose within a defined period;
• Session Time Reminders: Receive notifications after a defined period of continuous play;
• Cooling-Off Period: Take a short break from gambling for a period of 24 hours, 7 days, or 30 days;
• Self-Exclusion: Permanently or temporarily exclude yourself from the Platform. Self-exclusion requests are actioned within 24 hours and cannot be reversed during the exclusion period.

If you believe that your gambling may be causing harm to yourself or others, we strongly encourage you to visit our dedicated Responsible Gaming page for detailed guidance and support resources. You may also contact our support team at any time to request that a responsible gaming tool be applied to your Account immediately.

Underage Gambling: mio4d has a zero-tolerance policy toward underage gambling. If we have reason to believe that an Account is being operated by or on behalf of a person under 21 years of age, the Account will be suspended immediately and all balances frozen pending investigation.

The following conduct is strictly prohibited on the mio4d Platform. Engaging in any of the activities listed below constitutes a material breach of this Agreement and may result in Account suspension, permanent closure, forfeiture of balances, and, where applicable, referral to relevant law enforcement authorities:

• Registering more than one Account, whether under the same or different identity;
• Providing false, misleading, or fraudulent information during registration, KYC, or any other interaction with mio4d;
• Depositing funds derived from criminal activity or using the Platform to launder money or finance terrorism;
• Using automated software, bots, scripts, or artificial intelligence tools to place wagers or interact with the Platform in any way not intended for human Players;
• Colluding with other Players, game dealers, or mio4d employees to gain an unfair advantage;
• Exploiting software errors, pricing discrepancies, or misconfigured game parameters for profit;
• Attempting to reverse-engineer, copy, modify, distribute, or create derivative works from any component of the Platform;
• Engaging in any form of harassment, abuse, threats, or discriminatory conduct toward mio4d staff or other Players via any communication channel on the Platform;
• Charging back, disputing, or reversing a payment processed through a bank or e-wallet that has been accepted by the Platform, except in cases of documented fraud reported to mio4d prior to initiating the dispute.

All content on the mio4d Platform — including but not limited to the mio4d brand name and logo, website design, user interface elements, graphics, text, software, game content licensed from third-party studios, and all other proprietary materials — is the intellectual property of mio4d or its licensors and is protected by applicable 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 gaming activities. This licence does not permit you to:

• Copy, reproduce, republish, upload, post, transmit, or distribute any Platform content;
• Use the mio4d brand, logo, or trade marks in any way without prior written consent;
• Frame or mirror any portion of the Platform on another website or application.

Any unauthorised use of mio4d's intellectual property will result in immediate termination of your Account and may expose you to civil and criminal liability.

To the fullest extent permitted by applicable law, mio4d's total aggregate liability to any Player arising out of or in connection with this Agreement — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the total amount deposited by that Player in the 30-day period immediately preceding the event giving rise to the claim.

mio4d shall not be liable for any of the following, whether or not such losses were foreseeable or mio4d had been advised of their possibility:

• Loss of profits, revenue, goodwill, or anticipated savings;
• Indirect, consequential, incidental, or special losses;
• Losses arising from the Player's failure to comply with this Agreement;
• Losses attributable to the actions or omissions of third-party game providers, payment processors, or telecommunications providers;
• Service interruptions caused by scheduled maintenance, emergency maintenance, denial-of-service attacks, or force majeure events including but not limited to natural disasters, power outages, telecommunications failures, or acts of government.

Nothing in this clause shall limit mio4d's liability for death or personal injury caused by mio4d's negligence, fraud, or any other liability that cannot be excluded by law.

mio4d collects, processes, and stores personal data in accordance with its Privacy Policy, which forms an integral part of this Agreement. By registering an Account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

In summary, mio4d collects personal data for the following primary purposes:

• Verifying your identity and age as part of the KYC process;
• Processing deposits, withdrawals, and account transactions;
• Detecting and preventing fraud, money laundering, and other prohibited conduct;
• Providing customer support;
• Sending promotional communications where you have opted in to receive them;
• Complying with obligations under mio4d's international gaming licence.

mio4d does not sell your personal data to third parties. Data may be shared with regulated third-party service providers (payment processors, KYC verification services, game studios) strictly on a need-to-know basis and subject to confidentiality obligations. Please review the full Privacy Policy for complete details.

Closure by the Player: You may request closure of your Account at any time by contacting mio4d support. Before closure is processed, any pending withdrawal requests will be completed and any remaining Real Money Balance will be returned to your registered payment method. Bonus balances and associated winnings subject to incomplete wagering requirements will be forfeited upon voluntary closure.

Closure by mio4d: mio4d reserves the right to suspend, restrict, or permanently close any Account at its sole discretion, including but not limited to where:

• The Player has breached any provision of this Agreement;
• mio4d has reasonable grounds to suspect fraud, money laundering, or other criminal activity;
• The Player is found to be ineligible under Clause 2 (Eligibility);
• The Player's continued access to the Platform poses a compliance, reputational, or legal risk to mio4d;
• mio4d is required to do so by an instruction from a licensing authority or other competent regulatory body.

Where an Account is closed by mio4d due to breach of this Agreement, mio4d reserves the right to retain the Account balance pending investigation. Where mio4d-initiated closure is not related to Player breach, any verified Real Money Balance will be returned to the Player's registered payment method within 10 business days.

This Agreement is governed by the laws of the jurisdiction in which mio4d holds its international gaming licence. Any dispute arising out of or in connection with this Agreement shall first be submitted to mio4d's internal dispute resolution process by contacting the support team at support [ at ] mio4d.app.

mio4d commits to acknowledging all formal dispute submissions within 48 hours and providing a substantive written response within 14 business days. Where a dispute cannot be resolved through the internal process, either party may refer the matter to binding arbitration under the rules of a recognised arbitral institution as specified by the applicable gaming licence.

mio4d reserves the right to amend these Terms & Conditions at any time. Where amendments are material — meaning they affect Player rights, withdrawal conditions, or bonus terms in a significant way — mio4d will provide at least 7 days' advance notice by publishing the updated terms on the Platform and, where practicable, notifying registered Players by email.

For minor amendments (typographical corrections, clarifications that do not change substantive rights, or updates required for regulatory compliance), changes may take effect immediately upon publication. The "Last Updated" date at the top of this document will reflect the date of the most recent revision.

Your continued use of the Platform following the effective date of any amendment constitutes your acceptance of the revised Terms & Conditions. If you do not accept a material change, you must cease using the Platform and request Account closure in accordance with Clause 14 before the change takes effect.

For any questions, complaints, or disputes relating to these Terms & Conditions or your Account, please contact the mio4d support team through the following channels:

• Live Chat: Available 24/7 through the Platform after logging in to your Account;
• Email: support [ at ] mio4d.app — please include your registered username and a clear description of your enquiry. Response times are typically within 24 hours;
• Indonesian-Speaking Support: Native Indonesian-speaking agents are available during peak WIB hours (Western Indonesia Time, UTC+7) to assist players based in Jakarta, Surabaya, Bandung, Medan, Bali, Yogyakarta, and across the archipelago.

mio4d is committed to resolving all player enquiries fairly, promptly, and transparently. If you feel your concern has not been adequately addressed after following the internal dispute process, you may escalate to the relevant dispute resolution body specified under your applicable licensing framework.