Terms & Conditions

1 Definitions

For the purposes of these Terms & Conditions, the following definitions apply throughout this document and all associated policies published on the lipat4 platform:

2 Eligibility

2.1 Age Requirement. You must be at least 21 years of age to register an account and use the lipat4 platform. By registering, you represent and warrant that you are 21 or older. lipat4 reserves the right to request proof of age at any time and to suspend any account where age eligibility is unconfirmed.

2.2 Jurisdictional Eligibility. lipat4 is operated as an internationally licensed platform. It is your sole responsibility to verify whether accessing and using online betting and gaming services is lawful in your jurisdiction. lipat4 targets Members located in Indonesia; however, the Platform does not represent that its services are legally available to all users within Indonesia under local law. By using the Platform, you accept full personal responsibility for compliance with applicable local laws.

2.3 Single Account Policy. Each individual may hold only one registered account on lipat4. The creation of duplicate or multiple accounts — whether under the same or different identity details — is strictly prohibited and constitutes grounds for immediate account closure and forfeiture of all associated balances.

2.4 Excluded Persons. The following persons are not eligible to register or use the lipat4 platform:

• Individuals under 21 years of age.
• Employees, contractors, or immediate family members of lipat4 or any of its affiliated companies, gaming providers, or payment processors.
• Persons who have previously been self-excluded from the lipat4 platform or any affiliated platform, until the self-exclusion period has formally expired and the account has been officially reinstated.
• Persons acting on behalf of another individual for the purpose of concealing identity or circumventing these Terms.

3 Account Registration

3.1 Registration Process. To access the full range of lipat4 services, you must complete the registration process by providing accurate, complete, and current personal information including your full legal name, date of birth, email address, and contact number. lipat4 reserves the right to reject any registration application at its sole discretion without providing a reason.

3.2 Accuracy of Information. You are required to ensure that all information provided during and after registration remains accurate and up to date. Providing false, incomplete, or misleading information constitutes a material breach of these Terms and may result in account suspension, closure, and forfeiture of funds.

3.3 Account Security. You are solely responsible for maintaining the confidentiality of your account login credentials, including your username and password. You must not share your credentials with any third party. lipat4 will not be liable for any losses arising from unauthorised access to your account where such access resulted from your failure to maintain adequate credential security. Any suspected unauthorised access must be reported to lipat4 customer support immediately at [email protected].

3.4 Identity Verification (KYC). Prior to processing any withdrawal request, and at such other times as lipat4 may determine appropriate, you will be required to complete identity verification by submitting valid government-issued identification documents. Accepted documents include a national identity card (KTP), passport, or driver's licence. lipat4 may additionally request proof of address and proof of payment method ownership. Failure to complete KYC verification within the stipulated timeframe may result in withdrawal delays or account suspension.

4 Deposits & Withdrawals

4.1 Accepted Payment Methods. lipat4 accepts deposits and processes withdrawals via the following Indonesian banking and payment channels: bank transfer (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, BSI), and e-wallet services (OVO, DANA, GoPay, ShopeePay, LinkAja). Minimum and maximum transaction limits apply and are displayed at the time of each transaction. All transactions are denominated in Indonesian Rupiah (IDR / Rp).

4.2 Deposit Processing. Deposits submitted via supported local bank transfer or e-wallet are typically credited to a Member's account within minutes of confirmed receipt. lipat4 is not responsible for delays attributable to third-party banking or payment processing systems.

4.3 Withdrawal Processing. Withdrawal requests submitted by verified Members are processed within the timeframe published on the Platform at the time of request. All withdrawals are subject to completion of KYC verification. lipat4 reserves the right to conduct additional security checks before processing any withdrawal.

4.4 Funds Origin. You represent and warrant that all funds deposited into your lipat4 account are lawfully obtained and do not derive from any criminal, fraudulent, or otherwise unlawful activity. lipat4 operates in strict compliance with applicable anti-money laundering (AML) standards. Any account where suspicious funding activity is detected will be suspended and reported to the appropriate authorities.

4.5 Currency. All account balances and transactions on lipat4 are conducted in Indonesian Rupiah (IDR). lipat4 is not responsible for any currency conversion fees imposed by a Member's bank or payment provider.

5 Bonuses & Promotions

5.1 General Bonus Terms. All bonuses, free bets, cashback offers, and promotional credits issued by lipat4 are subject to specific terms and wagering requirements that will be communicated to eligible Members at the time each promotion is made available. These specific promotional terms supplement and do not replace the general terms set out herein.

5.2 Wagering Requirements. Unless expressly stated otherwise, bonus funds must meet applicable wagering requirements before they may be converted into withdrawable cash. Wagering requirements, eligible games, minimum odds, and expiry periods will be clearly stated in each individual promotion's terms.

5.3 Abuse & Exploitation. lipat4 reserves the right to withhold, void, or reclaim any bonus or promotional credit where it determines, at its sole discretion, that a Member has engaged in bonus abuse, arbitrage betting, collusion, use of automated betting tools, or any other strategy designed to exploit promotional structures. In such cases, lipat4 may close the Member's account and withhold any associated balance pending investigation.

5.4 One Bonus Per Person. Promotional offers are restricted to one per person, household, IP address, device, or payment method unless explicitly stated otherwise. Attempts to claim multiple bonuses by creating duplicate accounts constitute a violation of the Single Account Policy under Clause 3.3 and will result in account closure.

6 Betting Rules

6.1 Acceptance of Bets. All bets placed on lipat4 are subject to acceptance by lipat4 at its sole discretion. lipat4 reserves the right to refuse, limit, or cancel any bet without providing a reason, including but not limited to bets placed after an event has commenced where in-play markets are not explicitly offered, bets placed on erroneous odds, or bets that exceed maximum stake limits.

6.2 Bet Settlement. Bets are settled in accordance with the official result as declared by the relevant governing body of each sport or competition. For BRI Liga 1, EPL, La Liga, Serie A, Bundesliga, Champions League, Piala AFF, and all other covered competitions, lipat4 uses the official result at the end of regular time (including added time) unless otherwise specified.

6.3 Mix Parlay. Mix parlay (accumulator) bets combine multiple selections into a single wager. All selections must win for the bet to return a profit. If any selection is void, the selection is removed from the accumulator and the bet is recalculated based on the remaining selections. Minimum and maximum mix parlay stakes and selection counts are displayed on the Platform.

6.4 Erroneous Odds. In the event that odds are published in error — whether due to technical malfunction, human error, or data feed failure — lipat4 reserves the right to void any bets placed at erroneous odds and to refund the original stake to the Member's account. lipat4 will make all reasonable efforts to notify affected Members promptly.

6.5 Abandoned & Postponed Events. If a sporting event is abandoned, postponed, or cancelled before the minimum required playing time has elapsed (as defined per sport in the Platform's full betting rules), all bets on that event will be voided and stakes returned to Members' accounts. Where an event is rescheduled and commences within 48 hours of the original scheduled kick-off time, bets will generally remain valid unless lipat4 determines otherwise.

7 Prohibited Conduct

7.1 The following conduct is strictly prohibited on the lipat4 platform. Engaging in any of the following may result in immediate account suspension, permanent closure, and forfeiture of all balances:

• Providing false identity information or impersonating another individual during registration or KYC verification.
• Creating or operating multiple accounts in violation of the Single Account Policy.
• Using automated software, bots, scripts, or any artificial intelligence tools to place bets, exploit odds, or manipulate game outcomes.
• Engaging in match-fixing, insider betting, or any form of corruption involving the sporting events or games offered on the Platform.
• Colluding with other Members or third parties to defraud lipat4 or gain an unfair advantage.
• Attempting to reverse-engineer, hack, or interfere with the technical infrastructure of the lipat4 platform.
• Using the Platform to launder money or process funds of unlawful origin.
• Allowing any third party to operate your account or placing bets on behalf of another individual.

8 Intellectual Property

8.1 All content on the lipat4 platform — including but not limited to the brand name, logo, design elements, written copy, software, graphics, odds data, and game content — is the exclusive intellectual property of lipat4 or its licensed content providers. No portion of the Platform may be reproduced, copied, distributed, or used commercially without the prior written consent of lipat4.

8.2 Game content, RNG software, and live studio streams are provided under licence from their respective studios, including but not limited to Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Pocket Games Soft. All studio intellectual property rights remain with the respective rights holders.

9 Limitation of Liability

9.1 To the maximum extent permitted by applicable law, lipat4, its officers, directors, employees, agents, and affiliated entities shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or in connection with your use of the Platform, including but not limited to:

• Loss of funds resulting from unauthorised access to your account due to your own failure to secure login credentials.
• Interruption, suspension, or discontinuation of the Platform or any of its services.
• Errors in odds, game outcomes, or bet settlement subsequently corrected under these Terms.
• Delays in deposit crediting or withdrawal processing attributable to third-party banking or payment providers.
• Any loss or damage arising from your reliance on information published on the Platform.

9.2 Nothing in these Terms shall limit lipat4's liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

9.3 The Platform is provided on an "as is" and "as available" basis. lipat4 makes no warranty — express or implied — that the Platform will be free from errors, interruptions, or security vulnerabilities, although we commit to maintaining industry-standard SSL encryption and security protocols at all times.

10 Privacy & Data

10.1 lipat4 collects, processes, and stores personal data in accordance with its Privacy Policy, which forms an integral part of these Terms & Conditions and should be read in conjunction with this document.

10.2 By registering on lipat4, you consent to the collection and processing of your personal data as described in the Privacy Policy, including the use of that data for identity verification, fraud prevention, regulatory compliance, and the personalisation of your Platform experience.

11 Suspension & Account Closure

11.1 Suspension by lipat4. lipat4 reserves the right to suspend or restrict access to any Member account at any time and without prior notice where it has reasonable grounds to believe that a breach of these Terms has occurred, that account security has been compromised, or that ongoing activity poses a risk to the integrity of the Platform.

11.2 Closure by lipat4. Where investigation following a suspension confirms a material breach of these Terms, lipat4 may permanently close the account. In cases of confirmed fraud, money laundering, prohibited conduct, or identity misrepresentation, any balance held in the account at the time of closure may be forfeited.

11.3 Voluntary Closure by Member. Members may request closure of their account at any time by contacting lipat4 customer support. Prior to account closure, all pending bets will be settled in accordance with standard settlement rules, and any remaining verified balance will be returned to the Member's nominated payment method subject to completion of outstanding KYC requirements.

11.4 Self-Exclusion. Members who wish to take a break from gambling may request a self-exclusion period through the Responsible Gaming tools available on the Platform. During a self-exclusion period, the account will be suspended and access to all betting and gaming services will be blocked. Please refer to our Responsible Gaming page for full details.

12 Amendments to These Terms

12.1 lipat4 reserves the right to amend, update, or replace these Terms & Conditions at any time. Material changes will be communicated to Members via email notification or a prominent notice on the Platform prior to the effective date of the change.

12.2 Your continued use of the lipat4 platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with any amendment, you must cease using the Platform and may request account closure in accordance with Clause 11.3.

12.3 The version of these Terms in effect at the time a bet is placed or a transaction is processed shall govern that specific transaction, unless a subsequent amendment expressly applies retroactively, which lipat4 commits not to do where it would be materially detrimental to Members.

13 Governing Law & Dispute Resolution

13.1 These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which lipat4 holds its operating licence. Any disputes arising from or in connection with these Terms shall first be referred to lipat4 customer support for informal resolution.

13.2 If a dispute cannot be resolved informally within 30 calendar days of the initial complaint, either party may escalate the matter to the applicable dispute resolution body designated by lipat4's licensing authority. lipat4 commits to engaging in good faith with all formally submitted disputes.

13.3 Nothing in this clause prevents either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction where necessary to prevent irreparable harm.

14 Contact Us

If you have any questions, concerns, or complaints regarding these Terms & Conditions, or if you wish to initiate a formal dispute, please contact the lipat4 support team. Our 24/7 Indonesian-speaking support agents are available to assist you.

Email: [email protected]

Support Hours: 24 hours a day, 7 days a week (WIB, UTC+7)

Response Time: We aim to respond to all formal written enquiries within 2 business days (WIB).

For questions about responsible gaming, deposit limits, or self-exclusion, please visit our dedicated Responsible Gaming page. For answers to common account and payment questions, please consult our FAQ page.