Reference

Our Legal Framework for Your Account

Your account on xbtoto operates under clear terms that cover how we handle your data, process withdrawals, verify identity and manage your funds.

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How We Operate and What Governs Your Play

xbtoto Service availability depends on jurisdiction. Users are responsible for checking local law before access.

When you open an account with xbtoto, you accept our terms of service, which define game rules, account closure, dispute resolution and payment flows. Our platform operates where local law permits. Deposits via DANA, OVO, GoPay and QRIS are processed and verified according to our payment

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partner agreements and local banking regulations. Account access, eligibility and game availability depend on local law. We retain transaction records for a minimum of five years to comply with financial reporting standards. Identity verification is mandatory before your first withdrawal; this protects both your account and
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our payment partners. If you believe your account has been accessed unlawfully or your data misused, contact our compliance team immediately.

Service availability depends on jurisdiction. Users are responsible for checking local law before access.

REACH US DIRECTLY

Contact Us About Your Account or Policy

Questions about your legal rights, data access requests, account closure or payment disputes should reach our support team through one of these channels.

YOUR DATA SECURITY

How We Protect Your Account and Information

xbtoto encrypts all login credentials and payment data end-to-end using TLS 1.2 standard. Your account uses two-factor authentication at withdrawal; a unique code is sent to your registered email or phone before…

Encryption & Security

All account logins, deposits and withdrawals use TLS 1.2 encryption. Two-factor verification is required before withdrawal to prevent unauthorized access.

Data Retention

We keep transaction records for five years for regulatory compliance. Personal data is deleted 12 months after account closure unless a dispute is open.

Cookie Policy

We use session cookies to log your game history and account activity. Third-party tracking cookies are not used. You can disable cookies in your browser settings.

Payment Verification

Before your first withdrawal, we verify your identity using government ID, phone number and payment method ownership. This protects your account from fraud.

Dispute Resolution

If you believe a charge is unauthorized or a withdrawal failed, submit a dispute through live chat within 30 days with proof. Our team investigates within 7 business days.

Account Control

You can request a data export, close your account permanently or correct personal information anytime. Submit these requests via email to our legal team.

Legal & Account Rights — Your Questions Answered

Below are the legal and policy questions we hear most often from players in Surabaya, Bandung and across Indonesia. If your question isn't answered here, our support team is available via live chat or email.

When you close your account, we immediately freeze all funds and deposit methods. Pending withdrawals are processed within 3 business days. Your account cannot be reopened; to play again, you must open a new account. All personal data is deleted 12 months after closure unless a dispute is active.

Email our support team requesting a data export or deletion. We provide a complete file of your account information, game history and transactions within 7 business days. Deletion requests are processed within 30 days, except where we must retain records for legal or payment compliance.

Deposits via DANA, OVO, GoPay, QRIS and bank transfer are covered. If a deposit fails or is duplicated, contact support immediately with your transaction reference. Refunds are returned to your original payment method within 5 business days.

Withdrawal disputes must be filed within 30 days with transaction proof. Gaming losses cannot be disputed; all game outcomes are final. If you believe a game malfunctioned, submit a report to support with screenshots and the session ID found in your account history.

We require a government-issued ID, phone number verification and proof of payment method ownership. Verification is completed within 24 hours. Once approved, you can withdraw without re-verification until account status changes or a dispute is filed.

Both documents are available in your account settings under Legal. You can also request them via email. We update our terms annually; changes are announced 30 days in advance via email and displayed in your account dashboard.

We may temporarily freeze your account and request additional verification documents. You'll be notified via email immediately. Cooperation is required within 7 days; failure to respond may result in account closure and fund forfeiture under our terms.

Our Legal Framework for Your Account

Contact Us About Your Account or Policy

How We Protect Your Account and Information

Encryption & Security

Data Retention

Cookie Policy

Payment Verification

Dispute Resolution

Account Control

Legal & Account Rights — Your Questions Answered

01 What happens to my account if I request closure?

02 How do I export or delete my personal data?

03 What payment methods are covered under your refund policy?

04 Can I dispute a withdrawal or gaming loss?

05 How is my identity verified before withdrawal?

06 Where can I find the full terms of service and privacy policy?

07 What happens if xbtoto suspects fraudulent activity on my account?

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