Terms & Conditions

1. Definitions

In these Terms & Conditions, unless the context otherwise requires, the following terms shall have the meanings set forth below:

• "pand4," "We," "Us," or "Our" refers to the operator of the website located at https://pand4.cam and all associated services.
• "User," "You," or "Your" refers to any individual who registers for, accesses, or uses the pand4 platform.
• "Account" refers to the personal gaming account created by a User to access pand4 services.
• "Services" refers to all gaming products offered by pand4, including sports betting, live casino games, slot games, and any other gaming or entertainment products available on the platform.
• "Indonesian Rupiah" or "IDR" or "Rp" refers to the official currency of the Republic of Indonesia, which is the primary transaction currency on pand4.
• "Deposit" refers to the transfer of funds from Your personal bank account or e-wallet to Your pand4 Account.
• "Withdrawal" refers to the transfer of funds from Your pand4 Account to Your verified bank account or e-wallet.

2. Acceptance of Terms

By creating an Account with pand4, accessing our website, or using any of our Services, You acknowledge that You have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy and Responsible Gaming policies. If You do not agree with any provision of these Terms, You must immediately cease using pand4 and close Your Account by contacting customer support.

pand4 reserves the right to amend, modify, or update these Terms & Conditions at any time without prior notice. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the platform after such changes constitutes Your acceptance of the new Terms. We recommend reviewing this page periodically to stay informed of any updates.

3. Eligibility Requirements

To register and use pand4 Services, You must meet all of the following eligibility criteria:

• Age Requirement: You must be at least 21 years of age. pand4 reserves the right to request proof of age at any time, and failure to provide valid identification will result in Account suspension and forfeiture of any winnings.
• Residency: You must be a legal resident of Indonesia with a valid Indonesian National Identity Card (KTP Nasional). Players accessing pand4 from outside Indonesia do so at their own risk and are responsible for compliance with their local laws.
• Legal Capacity: You must have the legal capacity to enter into binding agreements under Indonesian law. Persons who are legally incapacitated, declared bankrupt, or subject to gambling-related court orders are prohibited from using pand4.
• Single Account Policy: Each individual may maintain only one Account with pand4. Creating multiple Accounts (also known as duplicate accounts or multi-accounting) is strictly prohibited and will result in immediate closure of all Accounts and forfeiture of all balances and winnings.
• Non-Exclusion: You have not previously self-excluded from pand4 or any other online gambling platform. If You have self-excluded, You must not attempt to create a new Account during the exclusion period.

4. Account Registration and Verification

4.1 Registration Process

To use pand4 Services, You must create an Account by providing accurate, complete, and current information, including but not limited to Your full legal name, date of birth, email address, mobile phone number, and residential address. You agree to keep Your Account information up to date at all times. Providing false, misleading, or outdated information is grounds for immediate Account termination.

4.2 Know Your Customer (KYC) Verification

pand4 is committed to preventing fraud, money laundering, and underage gambling. As part of our regulatory compliance obligations, we require all Users to complete a verification process before processing withdrawals. You agree to provide the following documents upon request:

• Proof of Identity: A clear, color photograph or scan of Your Indonesian National Identity Card (KTP Nasional) showing all four corners and legible text, or a valid passport.
• Proof of Address: A recent utility bill, bank statement, or government-issued document (dated within the last three months) showing Your registered residential address.
• Selfie Verification: A photograph of Yourself holding Your identity document next to Your face to confirm You are the legitimate Account holder.

Verification typically completes within 1 to 24 hours. Failure to provide requested documents within 30 days will result in Account suspension and withdrawal restrictions. pand4 reserves the right to request additional verification at any time, particularly for large withdrawals or suspicious activity.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of Your Account credentials (username and password). You must not share Your login information with any third party. Any activity conducted through Your Account will be deemed to have been authorized by You. If You suspect unauthorized access to Your Account, You must immediately notify pand4 customer support and change Your password. pand4 is not liable for any losses resulting from unauthorized Account access caused by Your failure to protect Your credentials.

5. Deposits and Withdrawals

5.1 Deposit Methods and Processing

pand4 accepts deposits via the following methods: Indonesian bank transfers (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, BSI) and e-wallet services (OVO, DANA, GoPay, ShopeePay, LinkAja). All deposits are processed in Indonesian Rupiah (IDR). The minimum deposit amount is Rp 50,000. There is no maximum deposit limit for verified Accounts, though individual payment providers may impose their own transaction limits.

Deposits are typically credited to Your Account within 1 to 5 minutes. If Your deposit does not appear after 15 minutes, please contact customer support with Your transaction reference number. You may only deposit funds from a bank account or e-wallet registered in Your own name. Third-party deposits (deposits made from another person's account) are strictly prohibited and will be rejected. pand4 does not charge any fees for deposits, though Your bank or payment provider may impose their own charges.

5.2 Withdrawal Policies

Withdrawals may only be processed to a bank account or e-wallet registered in Your name and verified through our KYC process. The minimum withdrawal amount is Rp 100,000. The maximum withdrawal amount per transaction is Rp 50,000,000 for standard Users and unlimited for VIP Diamond and Black Diamond tier members.

Withdrawal processing times vary by payment method and Account verification status. For verified Accounts, most bank transfers (BCA, BRI, BNI, Mandiri) are processed within 15 minutes during business hours (Monday to Friday, 9:00 AM to 5:00 PM WIB). Outside business hours and on weekends, processing may take 2 to 4 hours. First-time withdrawals require additional verification and may take up to 24 hours. E-wallet withdrawals typically process within 30 minutes to 2 hours.

Before processing a withdrawal, pand4 reserves the right to conduct additional security checks, including but not limited to verifying the source of funds and reviewing betting patterns for signs of fraud or money laundering. Withdrawals may be delayed or denied if we detect suspicious activity or if You have not met bonus wagering requirements. You may have a maximum of three pending withdrawal requests at any time.

5.3 Anti-Money Laundering (AML) Policy

pand4 maintains strict anti-money laundering procedures in compliance with international standards. You may not use pand4 as a payment processing service or to launder funds. All deposits must be wagered at least once before withdrawal. If You attempt to withdraw without placing any bets, pand4 reserves the right to charge a processing fee of up to 10% of the withdrawal amount. Accounts suspected of money laundering or fraudulent activity will be immediately frozen, and all funds may be confiscated pending investigation and potential referral to law enforcement authorities.

6. Bonuses and Promotions

6.1 General Bonus Terms

pand4 offers various bonuses and promotional offers, including welcome bonuses, deposit bonuses, cashback rewards, and VIP exclusive promotions. All bonuses are subject to specific terms and conditions, including wagering requirements, eligible games, maximum bet limits, and expiration dates. These terms will be clearly stated in the promotional material for each offer.

Wagering requirements specify how many times You must wager the bonus amount (or deposit plus bonus amount) before You can withdraw any winnings derived from the bonus. For example, a 30x wagering requirement on a Rp 100,000 bonus means You must place bets totaling Rp 3,000,000 before the bonus and associated winnings can be withdrawn. Different game types contribute different percentages toward wagering requirements: slots typically contribute 100%, while table games may contribute only 10% to 20%.

6.2 Bonus Abuse and Restrictions

pand4 reserves the right to refuse, withhold, or withdraw any bonus or promotion from any User at our sole discretion, particularly in cases of suspected abuse. Bonus abuse includes but is not limited to: creating multiple Accounts to claim the same bonus multiple times, using betting strategies designed solely to clear wagering requirements with minimal risk (e.g., betting on opposing outcomes in the same event), and colluding with other players to manipulate bonus outcomes.

Users found abusing bonuses will have all bonuses and associated winnings voided, and their Accounts may be permanently closed. Only one bonus may be active per Account at any time unless otherwise stated. You must complete the wagering requirements for Your current bonus before claiming a new one. Bonuses are non-transferable and have no cash value until wagering requirements are met.

7. Betting Rules and Game Conduct

7.1 Sports Betting

All sports bets are subject to the specific rules of each sport and betting market. pand4 offers a wide range of betting markets including moneyline, Asian handicap (including voor bola markets), over/under totals, and combination bets such as mix parlay (accumulator bets). Bets are settled based on the official results as determined by the relevant governing body (e.g., FIFA for football, ATP for tennis).

If an event is postponed, rescheduled, or moved to a different venue, bets remain valid if the event takes place within 48 hours of the original scheduled time. If the event does not occur within 48 hours, all bets will be voided and stakes refunded. In the event of a match being abandoned before completion, settlement rules vary by sport and will follow industry-standard practices.

7.2 Casino Games and Slots

All casino games and slot games available on pand4 use certified Random Number Generators (RNGs) to ensure fair and unpredictable outcomes. Return to Player (RTP) percentages are published for each game and represent the theoretical long-term payout over millions of spins or hands. Individual session results will vary significantly due to variance.

pand4 offers games from licensed providers only. If a technical malfunction or software error occurs during a game, the affected game round will be voided and all bets refunded. In live dealer games, the dealer's decision is final in all matters of game rules and conduct. Players who abuse, harass, or use offensive language toward dealers or other players will be immediately removed from the game and may face Account suspension.

7.3 Prohibited Activities

The following activities are strictly prohibited on pand4 and will result in immediate Account closure, forfeiture of all funds, and potential legal action:

• Collusion: Coordinating with other players to gain an unfair advantage, sharing information, or manipulating outcomes.
• Advantage Play: Exploiting software bugs, glitches, or errors to gain an unfair advantage.
• Automated Betting: Using bots, scripts, or automated software to place bets.
• Arbitrage Betting: Exploiting differences in odds across platforms to guarantee profit.
• Fraudulent Activity: Using stolen credit cards, falsified documents, or engaging in any form of fraud.

8. Responsible Gaming

pand4 is committed to promoting responsible gaming and preventing problem gambling. We provide tools to help You maintain control over Your gaming activity, including deposit limits, loss limits, session time limits, and self-exclusion options. If You feel that gambling is negatively affecting Your life, finances, or relationships, please contact our support team immediately or visit our Responsible Gaming page for resources and guidance.

By law, You must be at least 21 years of age to use pand4. We take underage gambling seriously and will immediately close any Account found to belong to a minor. Parents and guardians are encouraged to use parental control software to prevent minors from accessing online gambling sites.

9. Limitation of Liability

pand4 provides its Services on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the availability, reliability, accuracy, or fitness for any particular purpose of our platform. To the fullest extent permitted by law, pand4 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from Your use of our Services, including but not limited to loss of profits, data, or goodwill.

pand4 is not responsible for any losses resulting from network interruptions, technical failures, server downtime, or circumstances beyond our reasonable control (force majeure events). Our maximum liability to You for any claim arising from or related to these Terms shall not exceed the amount of funds in Your Account at the time the claim arose.

10. Account Closure and Termination

You may close Your Account at any time by contacting customer support. Upon closure, You must withdraw any remaining balance in Your Account. If You have active bonuses or pending bets, You must either complete or forfeit them before closing Your Account.

pand4 reserves the right to suspend or permanently close Your Account at any time, with or without notice, for any reason, including but not limited to: violation of these Terms & Conditions, suspected fraudulent activity, abusive behavior toward staff or other players, excessive chargebacks, or failure to complete KYC verification. If Your Account is closed for breach of Terms, any remaining balance may be forfeited and pand4 may pursue legal action to recover any losses incurred.

11. Intellectual Property

All content on the pand4 website, including text, graphics, logos, icons, images, audio clips, video clips, and software, is the property of pand4 or its content suppliers and is protected by Indonesian and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this site without our express written permission.

The pand4 name, logo, and all related trademarks are the exclusive property of pand4. Unauthorized use of any pand4 trademarks is strictly prohibited and may result in legal action.

12. Governing Law and Dispute Resolution

These Terms & Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which pand4 operates, without regard to conflict of law principles. Any disputes arising from or relating to these Terms or Your use of pand4 Services shall be resolved through good-faith negotiation between You and pand4.

If a dispute cannot be resolved through negotiation within 30 days, either party may refer the matter to binding arbitration conducted in English. The arbitration shall be conducted by a single arbitrator mutually agreed upon by both parties. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.

13. Contact Information

If You have any questions, concerns, or complaints regarding these Terms & Conditions or Your use of pand4 Services, please contact our customer support team:

• Email: [email protected]
• Live Chat: Available 24/7 through the pand4 website
• Support Hours: 24 hours a day, 7 days a week (WIB timezone)

We strive to respond to all inquiries within 6 hours. For urgent matters, please use our live chat service for immediate assistance.