Terms & Conditions

1. Acceptance of Terms

By accessing, registering an account, or using any service provided by monkad (hereinafter referred to as "the Platform," "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (the "Terms") in their entirety. These Terms constitute a legally binding agreement between you (the "User," "Player," or "you") and monkad. If you do not agree with any part of these Terms, you must immediately cease using the Platform and close your account.

These Terms apply to all aspects of your use of the monkad platform, including but not limited to account registration, deposits, withdrawals, placing bets, participating in promotions, accessing customer support, and any other interaction with our services. By continuing to use monkad, you confirm your ongoing acceptance of these Terms and any updates or modifications made to them.

2. Definitions

For the purposes of these Terms, the following definitions shall apply:

• "Platform" refers to the monkad online betting website accessible at https://monkad.cam and any associated mobile applications or services.
• "User," "Player," or "you" refers to any individual who registers an account and uses the Platform's services.
• "Account" means the personal betting account created by a User upon registration with monkad.
• "Bet" or "Wager" refers to any stake placed on a sporting event, casino game, lottery draw, or other gambling activity offered on the Platform.
• "Balance" means the total funds available in your Account, including deposited funds, winnings, and any applicable bonuses.
• "Bonus" refers to promotional funds, free bets, or other incentives credited to a User's Account subject to specific terms and wagering requirements.
• "KYC" (Know Your Customer) refers to the identity verification process requiring Users to submit documentation proving their identity, age, and residential address.
• "IDR" or "Rp" refers to Indonesian Rupiah, the primary currency used on the Platform for Indonesian Users.

3. Eligibility and Account Registration

3.1 Age and Residency Requirements

To register an account and use monkad's services, you must meet the following eligibility criteria:

• You must be at least 21 years of age or the legal gambling age in your jurisdiction, whichever is higher.
• You must be a resident of Indonesia or a jurisdiction where online gambling is legal.
• You must not be located in a territory where online gambling is prohibited by law.
• You must be legally capable of entering into binding contracts under applicable law.
• You have not previously been excluded from the Platform or any affiliated gambling service.

monkad reserves the right to request proof of age and residency at any time. Failure to provide satisfactory documentation will result in account suspension and potential forfeiture of funds. Any User found to be under the age of 21 will have their account immediately closed, all bets voided, and deposits returned via the original payment method.

3.2 Account Registration Process

When creating an account with monkad, you agree to:

• Provide accurate, current, and complete information during the registration process.
• Use your real name, date of birth, and contact details as they appear on your government-issued identification documents.
• Maintain only one account per person. Multiple accounts are strictly prohibited and will result in closure of all duplicate accounts and forfeiture of balances.
• Keep your account credentials (username and password) confidential and secure.
• Notify monkad immediately if you suspect unauthorized access to your account.
• Not share, sell, or transfer your account to any third party.

3.3 Account Restrictions

monkad reserves the right to refuse account registration or suspend existing accounts at our sole discretion, including but not limited to situations where:

• The User provides false, misleading, or incomplete information.
• The User is located in a restricted jurisdiction.
• The User has previously been excluded or self-excluded from the Platform.
• We have reasonable grounds to believe the User is engaging in fraudulent, illegal, or unfair activities.
• The User violates any provision of these Terms.

4. Account Security and Verification

4.1 Know Your Customer (KYC) Requirements

As part of our commitment to security, fraud prevention, and regulatory compliance, monkad requires all Users to complete a KYC verification process before processing withdrawals. The KYC process involves submitting the following documents:

• Government-issued ID: A clear, legible copy of your Indonesian national identity card (KTP), passport, or driver's license showing your full name, photograph, date of birth, and document number.
• Proof of Address: A recent utility bill, bank statement, or government document (dated within the last three months) showing your current residential address.
• Selfie Verification: A photograph of yourself holding your ID document next to your face, with both your face and the ID clearly visible in the same image.

All documents must be valid, unexpired, and submitted in clear, high-resolution format. monkad will review submitted documents within 24 hours on business days. Until verification is complete, withdrawal requests may be delayed. Users who fail to complete KYC verification within 30 days of account registration may have their accounts temporarily suspended.

4.2 Account Security Responsibilities

You are solely responsible for maintaining the confidentiality and security of your account credentials. monkad will not be liable for any loss or damage arising from your failure to protect your login information. You must:

• Create a strong, unique password that is not used for other online services.
• Never share your password with any third party.
• Log out of your account after each session, especially when using shared or public devices.
• Enable two-factor authentication if available.
• Immediately notify customer support if you suspect unauthorized account access.

5. Deposits and Payment Methods

5.1 Accepted Deposit Methods

monkad accepts deposits through the following Indonesian payment channels:

• Bank Transfers: BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), and Mandiri (Bank Mandiri).
• E-Wallets: OVO, DANA, and GoPay.

Minimum deposit amounts are Rp 50,000 for bank transfers and Rp 20,000 for e-wallet transactions. Maximum deposit limits vary by payment method and account verification status. Deposits are typically processed within 5 minutes during banking hours (Monday-Friday, 8:00 AM - 4:00 PM WIB). Outside banking hours, processing times may extend to 24 hours.

5.2 Deposit Terms and Conditions

• All deposits must be made from payment accounts registered in your own name. Third-party deposits are strictly prohibited.
• monkad does not charge fees for deposits, but your bank or payment provider may apply their own transaction fees.
• You are responsible for ensuring sufficient funds are available in your payment account to complete deposits.
• Deposited funds cannot be withdrawn until they have been wagered at least once (1x wagering requirement) to comply with anti-money laundering regulations.
• monkad reserves the right to refuse or reverse deposits that we suspect are fraudulent or violate these Terms.

6. Withdrawals and Processing

6.1 Withdrawal Requirements

To request a withdrawal from your monkad account, you must:

• Have completed the KYC verification process successfully.
• Have met any applicable wagering requirements on deposited funds and bonuses.
• Request withdrawal to a payment method registered in your own name.
• Have a minimum withdrawable balance of Rp 50,000.

6.2 Withdrawal Processing Times

Verified accounts: Withdrawals are processed within 24 hours on business days. Unverified accounts may experience delays until KYC verification is complete. Withdrawals requested on weekends or Indonesian public holidays will be processed on the next business day. Funds are typically available in your bank account within 24-48 hours after approval, depending on your bank's processing times.

6.3 Withdrawal Limits and Fees

Standard withdrawal limits are Rp 50,000 minimum and Rp 50,000,000 maximum per transaction. VIP and Gold-tier members may qualify for higher limits. monkad does not charge withdrawal fees, but your bank may apply receiving fees. You may make up to 3 free withdrawals per month; additional withdrawals may incur a processing fee of Rp 25,000.

6.4 Withdrawal Restrictions

monkad reserves the right to delay or decline withdrawal requests if:

• Your account has not completed KYC verification.
• We suspect fraudulent activity, money laundering, or bonus abuse.
• You have active bonuses with incomplete wagering requirements.
• Your account is under investigation for terms violations.
• The withdrawal method does not match the deposit method (security measure).

7. Bonuses and Promotions

7.1 Bonus Eligibility and Terms

monkad offers various bonuses and promotions, including welcome bonuses, reload bonuses, cashback, and loyalty rewards. All bonuses are subject to specific terms and conditions, including:

• Wagering Requirements: Bonus funds must be wagered a specified number of times (typically 3x to 5x) before they can be withdrawn.
• Eligible Games: Not all games contribute equally to wagering requirements. Check individual promotion terms for game contribution percentages.
• Expiration: Bonuses must be used within the specified validity period (typically 30 days) or they will expire.
• Maximum Bet Limits: When playing with bonus funds, maximum bet limits may apply (typically Rp 50,000 per bet).

7.2 Bonus Abuse Policy

monkad strictly prohibits bonus abuse, including but not limited to:

• Creating multiple accounts to claim multiple welcome bonuses.
• Colluding with other players to manipulate bonus outcomes.
• Using betting strategies designed solely to exploit bonus terms (e.g., low-risk hedging).
• Immediately withdrawing funds after meeting minimum wagering requirements without genuine play.

Users found engaging in bonus abuse will have all bonuses and associated winnings forfeited, and their accounts may be permanently closed.

8. Betting Rules and Game Conduct

8.1 General Betting Rules

When placing bets on monkad, the following rules apply:

• All bets are final once confirmed. You cannot cancel or modify a bet after confirmation.
• monkad reserves the right to void bets if we identify technical errors, obvious pricing mistakes, or fraudulent activity.
• In the event of a dispute, monkad's transaction logs are considered the authoritative record.
• Winnings are credited to your account balance immediately upon bet settlement.
• Maximum payout limits may apply to certain bet types or accumulator bets.

8.2 Sports Betting Specific Rules

For sports betting, including football (bandar bola), the following additional rules apply:

• Bets are settled based on official results declared by the governing sports authority.
• If a match is postponed or abandoned, bets may be void or carried forward depending on the sport's specific rules.
• Live in-play betting odds are subject to rapid changes based on match events. Bets are accepted at the odds displayed at the moment of placement.
• Asian Handicap bets follow standard international Asian Handicap rules.

8.3 Casino Game Rules

For casino games, slots, and live dealer games:

• All games use certified Random Number Generators (RNG) or live dealers to ensure fairness.
• Published RTP (Return to Player) percentages are theoretical and calculated over millions of game rounds.
• Game rules, paytables, and specific terms are available within each game's information section.
• Malfunction voids all pays and plays—if a technical error occurs, affected game rounds will be void.

8.4 Lottery and Togel Rules

For lottery and togel (Indonesia's traditional numbers lottery) draws:

• Bets must be placed before the draw's closing time. Late bets will not be accepted.
• Results are based on official lottery organization announcements from Singapore, Hong Kong, Sydney, Macau, and other respective markets.
• Winnings are calculated based on the bet type (4D, 3D, 2D, Colok Bebas, etc.) and published payout tables.

9. Responsible Gaming

monkad is committed to promoting responsible gaming practices and providing a safe entertainment environment. We recognize that gambling can become problematic for some individuals and offer the following protections:

9.1 Age Restriction

All Users must be at least 21 years of age. Underage gambling is strictly prohibited. monkad employs age verification measures during KYC to prevent minors from accessing the Platform. Parents and guardians should monitor their children's internet use and implement parental control software.

9.2 Self-Exclusion and Limits

Users can implement the following responsible gaming tools directly in their account settings:

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts.
• Loss Limits: Set maximum loss thresholds per session, day, week, or month.
• Session Time Limits: Set maximum play duration limits with automatic logout.
• Reality Check Reminders: Receive periodic notifications displaying your play time and net win/loss.
• Self-Exclusion: Temporarily or permanently exclude yourself from the Platform for periods ranging from 24 hours to permanent closure.

9.3 Problem Gambling Support

If you feel that gambling is negatively affecting your life, we urge you to seek help immediately. Contact monkad customer support to discuss self-exclusion options, or reach out to professional support organizations. For more information, visit our Responsible Gaming page.

10. Prohibited Activities

Users are strictly prohibited from engaging in the following activities on the monkad platform:

• Fraudulent Activity: Using stolen credit cards, fraudulent payment methods, or providing false identity documentation.
• Money Laundering: Using the Platform to facilitate illegal financial transactions or to launder proceeds of crime.
• Multiple Accounts: Creating more than one account per person to abuse bonuses or circumvent restrictions.
• Collusion and Cheating: Conspiring with other players, using betting bots, exploiting software vulnerabilities, or employing any unfair advantage.
• Arbitrage Betting: Systematically exploiting odds differences between platforms to guarantee profit.
• Underage Access: Allowing minors to access your account or assisting underage individuals in gambling.
• Abusive Behavior: Harassing customer support staff, other players, or engaging in threatening, discriminatory, or offensive conduct.

Violation of these prohibitions will result in immediate account suspension, forfeiture of funds, and potential legal action. monkad cooperates with law enforcement agencies in investigating fraudulent and illegal activities.

11. Limitation of Liability

11.1 Platform Availability

While monkad strives to provide continuous service, we do not guarantee uninterrupted or error-free platform availability. We are not liable for losses arising from:

• Scheduled or emergency maintenance downtime.
• Internet connectivity issues beyond our control.
• Force majeure events including natural disasters, strikes, or government actions.
• Cyber attacks, server failures, or other technical disruptions.

11.2 User Responsibility

You acknowledge that gambling involves financial risk and that you may lose money. monkad is not responsible for:

• Losses incurred through normal gambling activity.
• Poor betting decisions or misunderstanding of game rules.
• Failure to read and understand these Terms before using the Platform.
• Unauthorized account access resulting from your failure to secure login credentials.

11.3 Maximum Liability

To the fullest extent permitted by law, monkad's total liability to any User for any claim arising from these Terms or use of the Platform shall not exceed the total amount deposited by that User in the 90 days preceding the claim, or Rp 10,000,000, whichever is lower.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with international gaming law and the laws applicable to online gambling platforms serving the Indonesian market. Where local Indonesian law conflicts with international standards, monkad will comply with the more stringent requirement.

12.2 Dispute Resolution Process

In the event of a dispute between you and monkad, we encourage you to first contact our customer support team to seek an amicable resolution. If the dispute cannot be resolved through customer support:

1. Submit a formal written complaint to [email protected] detailing the nature of the dispute.
2. monkad will investigate and respond within 14 business days.
3. If the dispute remains unresolved, it may be escalated to an independent Alternative Dispute Resolution (ADR) service.
4. Both parties agree to make good faith efforts to resolve disputes through mediation before pursuing litigation.

12.3 Limitation Period

Any claim or dispute arising from these Terms must be filed within 90 days of the event giving rise to the claim. Claims filed after this period will not be considered.

13. Changes to Terms

monkad reserves the right to modify, amend, or update these Terms at any time at our sole discretion. When we make material changes to these Terms, we will:

• Update the "Last Updated" date at the top of this page.
• Notify registered Users via email or platform notification.
• Provide a reasonable notice period (typically 7-14 days) before the changes take effect.

Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not agree with the updated Terms, you must cease using the Platform and close your account. It is your responsibility to regularly review these Terms to stay informed of any changes.

14. Contact Information

If you have questions, concerns, or require clarification regarding these Terms and Conditions, please contact monkad's customer support team:

• Email: [email protected] (24/7 support)
• Live Chat: Available 24 hours a day, 7 days a week through the Platform
• Response Time: We aim to respond to all inquiries within 24 hours for email and under 2 minutes for live chat

For specific inquiries related to other policies, please refer to:

• Privacy Policy - Data handling and privacy practices
• Responsible Gaming - Self-exclusion tools and problem gambling support
• FAQ - Answers to common questions