lumbung koin Terms of Use

When you open an account on lumbung koin, you agree to these terms. We at lumbung koin operate a sportsbook and games platform covering football (Liga 1, Piala AFF, Champions League), live-dealer tables (blackjack, roulette, baccarat, Dragon Tiger), slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways), and esports markets (Mobile Legends, Free Fire, PUBG Mobile). All services are available only where local law permits. Users are responsible for verifying compliance with their own jurisdiction's regulations.

Our terms govern account opening, deposits, wagering, withdrawals, dispute resolution, and liability. We do not offer refunds on settled wagers, do not guarantee odds or outcomes, and do not accept liability for third-party payment processor failures. Your account is personal and non-transferable. Sharing login credentials with others violates these terms and may result in account suspension and funds forfeiture.

These terms are binding once you click "Agree" during signup. We reserve the right to update terms at any time; changes take effect immediately upon publication. Continued use of lumbung koin after changes constitutes acceptance of the new terms.

Account Opening and Verification

To open an account on lumbung koin, you must be of legal age in your jurisdiction (typically 18 or older). You provide your email, create a username and password, supply your mobile phone number, and upload a photo of your national ID or passport. We verify your identity within subject to verification. This verification is mandatory and complies with anti-money-laundering law.

Your account belongs to you alone. You may not share login credentials, transfer the account to others, or operate multiple accounts under different identities. If we detect duplicate accounts or credential sharing, we reserve the right to suspend or terminate all associated accounts and forfeit any remaining balance.

Once verified, you deposit funds via DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, or bank transfer (mobile banking, local payment, online payment, e-wallet virtual account). Your funds are held in your lumbung koin wallet and are your responsibility. We do not guarantee security against unauthorized access if you disclose your password or fail to log out on shared devices.

Wagering Rules on lumbung koin

All wagers on lumbung koin are final once placed and confirmed. We do not refund settled wagers regardless of outcome. Voided wagers (cancelled due to fixture postponement, league rule change, or regulatory halt) are refunded in full. Pending wagers (markets not yet settled) remain pending until official result confirmation or market closure.

lumbung koin odds are fixed at the moment you place your wager. If odds change after confirmation, your original odds apply. We do not honour requests to cancel or modify wagers after placement. Live-dealer games settle immediately upon hand completion. Football markets settle upon official league result. Slot games settle per spin.

We reserve the right to limit or refuse wagers that we believe involve suspicious patterns, collusion, or circumvention of our risk controls. Such wagers may be voided and funds refunded, or the account may be suspended pending investigation.

Deposits and Withdrawals

To withdraw, open your Cashier, request an amount, select your destination payment method, and submit. We verify your withdrawal request for anti-money-laundering compliance. This review may take hours; we do not guarantee specific withdrawal times. Once cleared, e-wallet withdrawals appear within minutes; bank transfers follow your bank's standard processing window.

You may only withdraw to the payment method you used to deposit (or a method verified with your name and bank account). We do not process withdrawals to third-party accounts. If your requested withdrawal method conflicts with our verification records, we will contact you for clarification before processing.

We charge no withdrawal fees. However, your bank or payment processor may charge a transfer fee — this is not a lumbung koin charge. We are not responsible for delays or failures caused by your bank or payment processor.

Bonus Terms

lumbung koin does not regularly advertise bonus offers. If we offer a bonus, the terms will be displayed clearly at the time of offer. Bonuses are subject to playthrough requirements (typically a multiple of the bonus amount wagered before withdrawal). Bonuses may carry game restrictions (e.g., available only on certain sports or slots, not on live-dealer tables).

Bonuses expire after a set period (typically 7 or 30 days). Expired bonuses are forfeited. If you close your account with an unplayed bonus, the bonus is forfeited and not refunded. We reserve the right to cancel bonuses for suspicious activity or breach of terms.

Wagering Requirement

The multiple of bonus amount you must wager before withdrawing bonus funds. E.g., 5x playthrough on a bonus means you wager 5 times the bonus amount before withdrawal eligibility.

Bonus Expiry

Bonuses typically expire 7–30 days after credit. Unplayed bonuses are forfeited upon expiry and cannot be recovered.

Game Restrictions

Certain bonuses may exclude specific games (e.g., live-dealer games). Restricted games do not count toward playthrough. Terms specify restrictions at offer time.

Liability and Dispute Resolution

lumbung koin is not liable for losses due to wager outcomes, market volatility, odds changes, or service interruptions beyond our control. We are not liable for third-party payment processor failures, bank processing delays, or device malfunction. We are not liable for data loss if you fail to maintain password security or share credentials.

If you believe a wager was settled incorrectly, contact our support team within 30 days of settlement. We review the dispute and provide a decision. Our decision is final unless we discover a system error that we caused directly. Disputes filed after 30 days will not be reviewed.

If you dispute a transaction with your bank or payment processor without first contacting lumbung koin support, we reserve the right to suspend your account and hold all funds pending resolution. Chargebacks and payment processor disputes may result in permanent account closure and funds forfeiture.

Jurisdiction and Service Availability

Our services are available only where local law permits. We do not offer services in jurisdictions where online wagering is prohibited. Users are solely responsible for verifying that access and use of lumbung koin comply with their own jurisdiction's law. We do not make exceptions and do not assist users in circumventing local restrictions.

If you reside in or access lumbung koin from a prohibited jurisdiction, your account may be suspended or terminated, and any remaining balance may be forfeited. We are not liable for your use in prohibited jurisdictions.

These terms are governed by the law applicable to lumbung koin's operations. Any legal proceedings related to disputes must be initiated through our formal dispute process, not through courts or external arbitration unless our dispute process fails or you reside in a jurisdiction that prohibits such clauses.

Account Closure and Data Retention

You may close your lumbung koin account anytime by requesting closure through your account settings. Any remaining balance is withdrawn to your registered payment method (subject to compliance review). Once closed, your account cannot be reopened under the same credentials.

We retain your account data, including Recently Played history, for the duration required by Indonesian financial regulations (typically 5–7 years for anti-money-laundering compliance). After this period, your data is securely deleted. During retention, your data remains encrypted and accessible only to authorized compliance personnel.

We do not sell or share your data with third parties for marketing purposes. See our Privacy policy for complete data handling practices.

Final Terms and Contact

We may update these terms at any time. Changes take effect immediately upon publication. Your continued use of lumbung koin after changes constitutes acceptance. For complete information about our operations, see our Privacy policy and Legal notice

If you have questions about these terms or your account, contact our support team through your lumbung koin dashboard. Support is available via email and, where available, phone during business hours in your region. We respond to disputes and queries within 48 hours.

Jurisdiction notice: Our services are available only where local law permits. We do not offer services in jurisdictions where online wagering is prohibited. Users are responsible for verifying compliance with their own jurisdiction's law.