These Terms & Conditions govern your use of the pana93 platform. By creating an account or placing a wager, you confirm that you have read, understood, and agreed to be bound by all clauses set out below. Please read this document carefully before using our services.
These cards summarize the most important obligations and protections in the pana93 Terms & Conditions. They do not replace the full legal text below — please read the complete document before registering.
You must be a resident of Indonesia and at least 21 years of age to register and use pana93. By creating an account you warrant that you meet this eligibility requirement. pana93 reserves the right to request identity verification documents at any time to confirm eligibility.
Each player is permitted to hold exactly one active pana93 account. Duplicate accounts are strictly prohibited and will result in immediate suspension of all associated accounts plus forfeiture of any pending balances. This policy exists to maintain fairness and prevent bonus abuse across the platform.
All bonuses and promotional credits issued by pana93 are subject to wagering requirements published at the time the offer is made. Bonus funds must be wagered the specified number of times before any withdrawal can be processed. Withdrawal requests that fail to meet wagering requirements will be declined and the bonus funds removed.
pana93 processes withdrawals exclusively to payment accounts registered in the name of the verified account holder. Transfers to third-party bank accounts — including BCA, BRI, BNI, Mandiri, OVO, DANA, and GoPay accounts held in a name other than the registered player — are strictly prohibited and will be rejected.
pana93 is committed to responsible gaming. Players who identify signs of problem gambling — including chasing losses, borrowing money to gamble, or neglecting responsibilities — are encouraged to use our self-exclusion and deposit limit tools immediately. All accounts flagged as high-risk by our responsible gaming team may be subject to mandatory restrictions.
These Terms & Conditions are governed by the laws of the jurisdiction in which pana93 holds its international license. Any dispute that cannot be resolved through our customer support process will be referred to binding arbitration in accordance with the rules of the applicable licensing authority. Indonesian consumer protection principles are taken into account where relevant.
In these Terms & Conditions, the following terms shall have the meanings set out below unless the context otherwise requires:
To register and maintain an account on pana93, you must satisfy all of the following eligibility criteria at the time of registration and throughout the duration of your account:
pana93 reserves the right to request documentary proof of eligibility at any time. Failure to provide satisfactory documentation within the period specified by the Company may result in account suspension and return of any uninvested deposited funds.
To use the pana93 Platform, you must complete the registration process and create an Account. By registering, you represent and warrant that all information you provide is accurate, current, and complete.
Each individual Player is permitted to hold exactly one active Account. The registration of multiple accounts — whether under the same name, the same device, the same IP address, the same payment method, or any combination thereof — is strictly prohibited. If the Company identifies duplicate accounts, it reserves the right to close all associated accounts, withhold pending withdrawals, and cancel any accrued bonus funds.
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. pana93 will not be liable for any loss resulting from unauthorized access to your account caused by your failure to maintain adequate security of your login details. You must notify pana93 immediately at [email protected] if you suspect unauthorized access to your account.
You must provide your real full name, date of birth, residential address, and a valid contact email address during registration. Providing false information is a material breach of these Terms & Conditions and will result in immediate account termination and forfeiture of all balances.
pana93 is required to verify the identity of all Players prior to processing any withdrawal request, and may require verification at any point during the Player's use of the Platform. The KYC process may include, but is not limited to:
pana93 aims to complete standard KYC reviews within 24 to 48 hours of receiving all required documentation. Withdrawals will be held pending completion of KYC. The Company may, at its absolute discretion, request additional documentation where the initial submission is unclear, inconsistent, or raises compliance concerns.
pana93 accepts deposits via the following Indonesian payment channels: BCA, BRI, BNI, Bank Mandiri, CIMB Niaga, OVO, DANA, GoPay, and ShopeePay. The Company reserves the right to add or remove payment methods at any time without prior notice.
Minimum and maximum deposit limits are set at the payment method level and displayed in the cashier at the time of transaction. All deposits are denominated in IDR (Rp). The Company does not charge a fee for deposits; however, your bank or e-wallet provider may impose their own transaction fees for which pana93 bears no responsibility.
Deposits via bank transfer (BCA, BRI, BNI, Mandiri) are typically credited to your pana93 account within 5 to 15 minutes during standard Indonesian banking hours. E-wallet deposits via OVO, DANA, GoPay, and ShopeePay are generally credited instantly. Processing times during public holidays, Idul Fitri, or periods of high transaction volume may be extended.
By making a deposit, you warrant that the funds are sourced from legal activity and that you are the authorized account holder of the payment method used. pana93 reserves the right to investigate the source of funds and to suspend accounts pending investigation where suspicious deposit activity is identified.
Withdrawals are available only to Players who have completed KYC verification and whose account is in good standing. A Player's account balance must consist solely of real-money funds (not Bonus Funds) to be eligible for withdrawal. Any outstanding wagering requirements on Bonus Funds must be satisfied before the associated funds can be withdrawn.
Withdrawals are processed exclusively to Indonesian bank accounts and e-wallets registered in the verified name of the account holder. Supported withdrawal channels include BCA, BRI, BNI, Bank Mandiri, OVO, DANA, and GoPay. pana93 does not process withdrawals to third-party accounts under any circumstances.
Standard withdrawal requests are processed within 5 minutes to 3 hours during normal operating hours (WIB). Withdrawals submitted outside of banking hours or during high-volume periods may take up to 24 hours. Withdrawals subject to additional KYC review may take up to 72 hours from the time all required documents are received.
Minimum and maximum withdrawal limits apply and are displayed in the cashier. The Company reserves the right to process large withdrawals in multiple installments spread over successive business days.
All bonuses, free bets, cashback offers, and other promotional incentives offered by pana93 are subject to specific wagering requirements and time limits that will be communicated clearly at the time the offer is made. Claiming a bonus constitutes acceptance of the specific terms attached to that offer in addition to these general Terms & Conditions.
Bonus Funds must be wagered the number of times specified in the individual promotion before withdrawal is permitted. Unless stated otherwise in the individual promotion terms, the following default rules apply:
Patterns of play that the Company reasonably determines constitute bonus abuse — including low-risk wagering strategies designed to guarantee conversion of Bonus Funds — may result in the cancellation of the relevant bonus and any winnings derived from it, without prior notice. Repeated bonus abuse may result in permanent account closure.
New Players may be eligible for a welcome bonus on their first deposit. Eligibility, bonus percentage, maximum bonus amount, and applicable wagering requirements are set out in the current Welcome Bonus promotion page. pana93 reserves the right to modify or withdraw the Welcome Bonus offer at any time without prior notice.
All bets placed on the pana93 Platform are subject to the applicable sport-specific or game-specific rules published on the Platform. In the event of any conflict between a game-specific rule and these general Terms & Conditions, the game-specific rule prevails for matters directly related to bet settlement.
The following activities are strictly prohibited on the pana93 Platform and constitute a material breach of these Terms & Conditions:
pana93 reserves the right to suspend, restrict, or permanently close any Player account at its sole discretion, with or without prior notice, in circumstances including but not limited to:
Upon closure of an account for breach of these Terms & Conditions, pana93 reserves the right to retain any balance within the account as a consequence of the breach. In cases of closure for non-breach reasons (e.g., Player's own request), the verified real-money balance will be returned to the Player via their registered withdrawal method following completion of KYC.
To the fullest extent permitted by applicable law, pana93 and its officers, directors, employees, and agents shall not be liable for:
In all cases, the Company's maximum aggregate liability to any Player in respect of any claim arising from use of the Platform shall not exceed the total amount deposited by that Player in the 30 calendar days immediately preceding the event giving rise to the claim.
All content on the pana93 Platform — including but not limited to the pana93 brand name, logo, website design, software, text, graphics, game content, and audio-visual materials — is the exclusive property of the Company or is used under license from the applicable rights holder. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for personal entertainment purposes only. You may not copy, reproduce, distribute, publish, modify, or create derivative works from any Platform content without the prior written consent of the Company.
pana93 collects and processes your personal data in accordance with its Privacy Policy, which forms part of these Terms & Conditions by reference. By registering an account, you consent to the collection, use, and processing of your personal information as described in the Privacy Policy. You have the right to request access to, correction of, or deletion of your personal data at any time by contacting our support team.
pana93 reserves the right to amend these Terms & Conditions at any time. Material changes will be communicated to Players via the email address associated with their account and/or via a prominent notice on the Platform, with a minimum of seven (7) calendar days' advance notice before the changes take effect. Your continued use of the Platform following the effective date of any amendment constitutes your acceptance of the updated Terms & Conditions. If you do not agree with any amendment, you must cease using the Platform immediately and notify us so that your account can be closed and your verified balance returned.
These Terms & Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which pana93 holds its international gaming license. Any dispute, controversy, or claim arising out of or in connection with these Terms & Conditions, or the breach, termination, or invalidity thereof, shall be resolved as follows:
Nothing in this clause shall prevent either party from seeking emergency injunctive relief from a court of competent jurisdiction where necessary to protect proprietary rights or prevent irreparable harm.
For all inquiries, complaints, or requests related to these Terms & Conditions, please contact the pana93 support team. Our customer support agents are available 24 hours a day, 7 days a week, including Indonesian public holidays.
Support Email: [email protected] (plain text — not a clickable link)
When contacting support regarding a legal or compliance matter, please include your registered account email address, a clear description of your concern, and any supporting documentation. We aim to acknowledge all formal complaints within 24 hours and to provide a substantive response within five (5) business days (WIB).
Our FAQ page covers the most common questions about account registration, deposits and withdrawals, bonus wagering requirements, and KYC verification. If you need to review how we handle your personal data, our Privacy Policy provides full details. Our support team is available around the clock to assist with any specific concerns.