Terms & Conditions

1 Definitions

In these Terms & Conditions, unless the context otherwise requires, the following definitions apply:

• "naga11" or "the Company " refers to naga11 International, the operator of the online betting platform accessible at https://naga11.bio.
• "Platform" means the naga11 website, mobile-optimized site, and all associated products and services offered therein, including the Sportsbook, live casino, slot games, Bola Tangkas, and crash games.
• "Member" or "You" means any individual who has registered a naga11 account and accepted these Terms & Conditions.
• "Account" means the personal account opened by a Member upon successful registration on the Platform.
• "Balance" means the total funds held in a Member's Account at any given time, comprising deposited funds and any bonus credits that have satisfied applicable wagering requirements.
• "Bonus" means any promotional credit, free bet, cashback offer, reload bonus, or other incentive awarded by naga11 to a Member, subject to the bonus terms stated at the time of the offer.
• "Wagering Requirement" means the number of times a Bonus amount (or Bonus plus deposit amount, as stated in the offer) must be turned over in qualifying bets before the resulting winnings may be withdrawn.
• "KYC" means Know Your Customer — the identity and age verification process required by naga11 before processing withdrawals or at any point the Company deems verification necessary.
• "IDR" or "Rupiah" means Indonesian Rupiah, the sole currency in which naga11 Accounts are denominated.
• "Prohibited Conduct" has the meaning given in Clause 8 of these Terms.

2 Eligibility

Access to and use of the naga11 Platform is subject to the following eligibility requirements, all of which must be satisfied at the time of registration and on a continuing basis throughout your membership:

1. Age: You must be at least 21 years of age. naga11 strictly enforces its minimum age policy. Registration by individuals under 21 is prohibited, and any Account opened in violation of this requirement will be closed immediately, with any balance forfeited.
2. Residency: You must be a resident of Indonesia. naga11's payment infrastructure, customer support, and product offering are specifically designed for the Indonesian market. Members located in jurisdictions where online betting is explicitly prohibited by applicable local law are responsible for ensuring their own compliance with those laws before registering.
3. Legal Capacity: You must have full legal capacity to enter into a binding contract. Individuals who are legally incapacitated, under guardianship, or otherwise prohibited by law from entering into contracts are not eligible to register.
4. No Prior Exclusion: You must not be subject to a self-exclusion order or a formal exclusion imposed by naga11 as a result of prior Prohibited Conduct. Attempting to register a new Account while subject to exclusion constitutes a breach of these Terms.
5. Not an Employee: Current employees, contractors, agents, and close family members of naga11 International and its technology and content partners are not eligible to hold a Member Account or participate in real-money wagering on the Platform.

naga11 reserves the right to request documentary proof of eligibility at any time. Failure to provide satisfactory documentation within a reasonable period may result in Account suspension pending verification.

3 Account Registration

To access real-money betting and gaming services on naga11, you must complete the registration process and open an Account. By doing so, you agree to the following conditions:

• You must provide accurate, current, and complete information during registration, including your legal full name, date of birth, Indonesian residential address, and a valid contact email address and mobile phone number.
• Each person is permitted to hold only one Account on naga11. The simultaneous operation of multiple Accounts by a single individual — whether under the same or different names — is strictly prohibited and constitutes Prohibited Conduct under Clause 8.
• You are responsible for ensuring that the information provided on your Account remains accurate and up to date. Material changes to your personal details (including name, address, or contact information) must be reported to naga11 support promptly.
• naga11 may, at its sole discretion, decline any registration application without being required to provide a reason. The decision to accept or reject an application is final.
• Account registration is free of charge. naga11 does not impose an account-opening fee.

KYC Verification: Prior to processing any withdrawal request, naga11 requires all Members to complete KYC verification. This process requires the submission of a valid government-issued photo identification document (such as a KTP — Indonesian National Identity Card — or valid passport) and, where requested, proof of address and proof of payment method ownership. naga11 may request KYC documentation at any stage of a Member's account lifecycle, including at initial registration, before a first withdrawal, or following unusual account activity.

4 Account Security

You are solely responsible for maintaining the confidentiality of your naga11 Account credentials, including your username, password, and any two-factor authentication codes. The following obligations apply:

• You must not share your Account credentials with any third party under any circumstances. naga11 support staff will never ask for your password.
• You must notify naga11 immediately at [email protected] if you suspect unauthorized access to your Account or believe your credentials have been compromised.
• All bets placed and transactions conducted through your Account while your credentials were valid are deemed to have been authorized by you, unless you have previously notified naga11 of a suspected compromise and naga11 has confirmed receipt of that notification.
• naga11 strongly recommends enabling SMS two-factor authentication on your Account. This feature is available from the Account Security settings and adds a critical additional layer of protection against unauthorized access.
• You must not access naga11 from shared or public devices without ensuring you log out fully after each session.

5 Deposits & Withdrawals

5.1 Currency. All naga11 Accounts are denominated in Indonesian Rupiah (IDR). All deposits, withdrawals, bets, and winnings are processed in IDR. naga11 does not accept foreign-currency deposits or process foreign-currency withdrawals.

5.2 Accepted Deposit Methods. naga11 accepts deposits via the following channels: BCA, BRI, BNI, Mandiri, CIMB Niaga (bank transfers); OVO, DANA, GoPay, ShopeePay, LinkAja (e-wallets). Minimum deposit amounts vary by payment method and are displayed on the deposit page at the time of transaction. naga11 does not charge a deposit processing fee; however, your bank or e-wallet provider may apply their own service charges.

5.3 Withdrawal Processing. Withdrawal requests from KYC-verified Accounts are processed within the following timeframes:

• E-wallet withdrawals (OVO, DANA, GoPay, ShopeePay, LinkAja): within 30 minutes on average, 24 hours a day, 7 days a week.
• Bank transfer withdrawals (BCA, BRI, BNI, Mandiri, CIMB Niaga): within 2 hours during standard Indonesian banking hours (08:00–20:00 WIB), Monday to Saturday.

5.4 Withdrawal Conditions. A withdrawal may only be made to a payment method registered in the same name as the naga11 Account holder. Third-party withdrawals are strictly prohibited. naga11 reserves the right to request additional verification before processing any withdrawal request that it deems unusual or that triggers internal risk-management criteria.

5.5 Minimum Withdrawal. The minimum withdrawal amount is Rp 50.000. Requests below this threshold will not be processed.

5.6 Funds Security. Member deposits are held in segregated accounts separate from naga11's operational funds, ensuring that Member balances are protected in the event of business disruption.

6 Bonuses & Promotions

naga11 offers a range of promotional bonuses to both new and existing Members. The following general terms apply to all bonuses unless the specific promotion's terms state otherwise:

• Eligibility: Each bonus offer specifies its own eligibility criteria, including minimum deposit amounts, qualifying games, and Member tier requirements. Bonuses are not transferable between Accounts.
• Wagering Requirements: All bonuses are subject to a wagering requirement that must be completed before any bonus-derived winnings can be withdrawn. The applicable wagering multiplier is stated clearly in each promotion's individual terms. Failure to complete the wagering requirement within the bonus validity period will result in the bonus and any associated winnings being forfeited.
• Bonus Abuse: naga11 reserves the right to void bonuses and withhold associated winnings if it determines that a Member has engaged in bonus abuse, including but not limited to: opening multiple Accounts to claim the same bonus, placing low-risk or hedged bets designed to complete wagering requirements without genuine gameplay risk, or using software tools to exploit promotional mechanics.
• Maximum Bonus Withdrawal: Certain promotions specify a maximum amount that may be withdrawn from bonus winnings. Where such a cap applies, it is stated in the offer terms.
• Seasonal Promotions: naga11 regularly runs promotions timed around Indonesian cultural events including Idul Fitri, Ramadhan, Indonesian Independence Day, and Chinese New Year (Imlek). These promotions are subject to their own specific terms and are valid only during the stated promotional period.
• Right to Modify: naga11 reserves the right to modify, suspend, or withdraw any promotion at any time, with or without prior notice, provided that any modification does not retrospectively affect Members who have already opted into and partially completed the relevant promotional conditions.

7 Betting & Gaming Rules

7.1 Sportsbook. All sports bets placed on naga11 are subject to the specific rules applicable to the relevant sport and market type. In the event of a conflict between general betting rules and sport-specific rules, the sport-specific rules prevail. Key principles include:

• Bets are accepted at the odds displayed at the time the bet is confirmed. Subsequent odds movements do not affect confirmed bets.
• Mix parlay (multi-leg accumulator) bets require all selections to win for the full payout to be awarded. One losing leg voids the entire parlay unless a "one void" rule is explicitly stated in the market terms.
• Asian handicap (voor bola) markets follow standard Asian handicap settlement rules. Where the result falls precisely on the handicap line, the stake is refunded in full.
• naga11 reserves the right to void bets on events affected by match irregularities, confirmed match-fixing investigations, or events cancelled before the minimum play time required for settlement.

7.2 Casino & Slot Games. All casino table games and slot machines on naga11 use certified random number generator (RNG) technology. Published Return-to-Player (RTP) percentages reflect theoretical long-run averages over millions of game rounds and do not guarantee individual session outcomes. naga11 does not manipulate game outcomes and has no financial incentive to do so given the mathematical edge built into standard game RTP rates.

7.3 Live Casino. Live casino games are operated by third-party studios including Evolution Gaming, Pragmatic Play Live, and SA Gaming. In the event of a disconnection during a live casino round, the game outcome recorded by the studio's server is final and binding. naga11 is not liable for outcomes arising from a Member's own connection failure.

7.4 Errors. In the event of a technical error, software fault, or human error that results in an incorrect odds display, incorrect game outcome, or erroneous credit of winnings, naga11 reserves the right to correct the error and adjust any affected Account balances accordingly. naga11 will not honor bets placed at manifestly incorrect odds (i.e., odds that a reasonable person would recognize as being in error).

8 Prohibited Conduct

The following conduct is strictly prohibited on the naga11 Platform. Any Member found to have engaged in Prohibited Conduct is subject to immediate Account suspension, forfeiture of balance pending investigation, and permanent ban from the Platform:

• Registering more than one Account, whether under the same or a different identity.
• Providing false, misleading, or fraudulent information during registration or KYC verification.
• Using stolen, unauthorized, or fraudulently obtained payment methods to fund an Account.
• Engaging in money laundering, structuring, or any other transaction designed to disguise the origin of funds.
• Exploiting technical vulnerabilities, software bugs, or errors in the Platform to gain an unfair financial advantage.
• Using automated betting software, bots, scripts, or artificial intelligence tools to place bets without genuine human decision-making, unless expressly authorized in writing by naga11.
• Colluding with other Members or third parties to manipulate game outcomes or exploit promotional mechanics.
• Harassing, threatening, or abusing naga11 staff or other Members through any communication channel.
• Attempting to access another Member's Account without authorization.
• Engaging in any activity that naga11 reasonably determines constitutes match-fixing, spot-fixing, or the placement of bets on the basis of inside information not available to the public at the time of betting.

9 Intellectual Property

All content on the naga11 Platform — including but not limited to the naga11 brand name, logo, website design, graphics, text, software, game interfaces, and compiled data — is the exclusive property of naga11 International or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your personal, non-commercial entertainment purposes in accordance with these Terms. This license does not permit you to:

• Copy, reproduce, distribute, or publicly display any Platform content without prior written authorization from naga11.
• Reverse engineer, decompile, or disassemble any Platform software or attempt to derive source code therefrom.
• Use the naga11 brand name, logo, or trademarks in any manner that implies endorsement, affiliation, or partnership without express written consent.
• Frame, scrape, or mirror any part of the Platform on another website or application.

Any unauthorized use of naga11 intellectual property may result in legal action and will constitute grounds for immediate Account termination.

10 Limitation of Liability

To the fullest extent permitted by applicable law, naga11 International and its directors, officers, employees, agents, and technology partners shall not be liable for:

• Any loss of winnings, loss of profits, loss of data, or any indirect, incidental, special, or consequential losses arising from your use of or inability to use the Platform.
• Losses arising from unauthorized access to your Account caused by your own failure to maintain adequate credential security.
• Interruptions to Platform availability caused by scheduled or emergency maintenance, third-party infrastructure failures, force majeure events (including but not limited to natural disasters, acts of government, power outages, and telecommunications failures), or cyberattacks beyond the Company's reasonable control.
• Outcomes in live casino games caused by your own connection failure or device malfunction.
• Decisions made by third-party game studios regarding game outcomes, game rules, or technical malfunctions within third-party-operated game environments.

Where liability cannot be excluded by law, naga11's total aggregate liability to any Member for any claim arising under these Terms shall not exceed the total amount deposited by that Member into their naga11 Account in the 30-day period immediately preceding the event giving rise to the claim.

Nothing in these Terms shall limit or exclude liability for fraud, willful misconduct, or any other matter for which liability cannot be lawfully excluded.

11 Termination

11.1 Termination by Member. You may close your naga11 Account at any time by contacting customer support at [email protected]. Upon closure, any remaining verified balance will be returned to you via your registered payment method, subject to standard withdrawal processing times and the completion of any pending KYC requirements. Bonus balances and wagering-incomplete bonus funds will be forfeited upon Account closure.

11.2 Termination by naga11. naga11 reserves the right to suspend or permanently close any Account at any time and without prior notice if:

• The Member has engaged in or is suspected of Prohibited Conduct as defined in Clause 8.
• The Member has provided false or fraudulent information during registration or at any subsequent point.
• The Member is found to be ineligible under Clause 2 of these Terms.
• Continued operation of the Account would expose naga11 to legal, regulatory, or reputational risk.
• The Member has requested self-exclusion under naga11's Responsible Gaming policy.

11.3 Effect of Termination. Upon Account closure — whether initiated by you or by naga11 — your license to use the Platform ceases immediately. naga11 will retain your Account data in accordance with its Privacy Policy and applicable data retention obligations.

12 Amendments

naga11 reserves the right to amend these Terms & Conditions at any time. When material amendments are made, naga11 will provide notice to existing Members via the email address registered to their Account and/or by displaying a prominent notice on the Platform for a period of at least 7 days prior to the amended Terms taking effect.

Your continued use of the Platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must close your Account before the effective date of the changes.

The most current version of these Terms is always available at https://naga11.bio/terms-conditions. The "Last updated" date at the top of this page reflects the date on which the most recent revision was published.

13 Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which naga11 International holds its international operating license. Any dispute arising from or in connection with these Terms that cannot be resolved through good-faith negotiation between the parties shall be referred to binding arbitration under the rules of an internationally recognized arbitration body, with proceedings conducted in English.

Nothing in this clause prevents naga11 from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction to protect its intellectual property rights or to prevent Prohibited Conduct.

Members who are residents of Indonesia acknowledge that online gambling is subject to legal restrictions under Indonesian law, and that they access the naga11 Platform at their own risk and on their own initiative. naga11 does not represent or warrant that its services are lawful in any specific jurisdiction, and it is each Member's responsibility to verify the applicable legal position in their location prior to registration.

14 Contact Us

If you have any questions, concerns, or complaints regarding these Terms & Conditions, or if you wish to exercise any rights available to you under these Terms, please contact the naga11 support team through the following channel:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 via the chat widget on the naga11 Platform after logging in to your Account.
• Support Hours: Live chat agents are available around the clock, including Indonesian-speaking agents covering all time zones from WIB (UTC+7) through WITA (UTC+8) to WIT (UTC+9).

naga11 aims to acknowledge all written support queries within 24 hours and to resolve substantive complaints within 5 business days. Complex disputes involving account investigations may take longer; naga11 will keep you informed of progress throughout the review period.