saldo Casino & Sportsbook Terms

saldo operates an online gaming and sportsbook platform available to users in jurisdictions where our services are permitted by local law. These terms set out the conditions under which we provide access to our platform, manage your account, process deposits and withdrawals, and resolve disputes. By creating an account on saldo, you agree to these terms.

Our platform covers live dealer games (blackjack, roulette, baccarat, Dragon Tiger), slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways), sports betting (Liga 1, Piala AFF, Champions League, Premier League, MotoGP, badminton), and esports markets (Mobile Legends, Free Fire, PUBG Mobile). We accept deposits via QRIS, e-wallet, mobile banking, local payment, online payment, e-wallet, and direct bank transfer (mobile banking, local payment, online payment, e-wallet).

This page covers account opening, deposits and withdrawals, bonus terms, account suspension, and dispute resolution. Our services are available only where local law permits. Users are responsible for verifying that access and use comply with their own jurisdiction's law.

Account Opening Conditions on saldo

To open an account on saldo, you must be at least 18 years old and a resident of a jurisdiction where our services are available. You provide your email address, phone number, and a secure password. We send a verification code to your email; you enter it to confirm your account is active.

Your account is personal and non-transferable. You are responsible for keeping your password confidential. If you suspect unauthorized access, contact our support team immediately and we will lock your account pending verification. We do not share your account credentials with third parties, and we do not ask for your password via email or SMS.

When you create an account on saldo, we collect your name, date of birth, email, and phone number. This data is encrypted and stored securely. Before your first withdrawal, we require full KYC (Know Your Customer) verification — you provide a photo of your ID and confirm your identity. This is a standard industry practice and protects both your account and our platform.

Deposits and Withdrawals on saldo

We accept deposits via six payment methods. Mobile wallets (DANA, e-wallet, mobile banking, local payment, online payment) process instantly. e-wallet deposits post within seconds. Bank transfers (mobile banking, local payment, online payment, e-wallet) via Virtual Account are confirmed once your bank processes the transaction. Your account balance updates automatically once the deposit is confirmed.

• Deposits are non-refundable once confirmed. If you deposit by mistake, contact our support team and we will review your request.
• Withdrawals are processed to the same payment method you used for your deposit. If you wish to withdraw to a different method, contact support.
• Withdrawal review windows vary by method — bank transfers typically complete within a standard processing window, while mobile wallets may be faster.
• We reserve the right to request additional verification before processing a withdrawal, particularly for large amounts or unusual patterns.

Your account balance is held in a segregated account and is not used for saldo operational expenses. We maintain liquidity to process all withdrawal requests. If you have questions about a specific transaction, you can view your deposit and withdrawal history in your Account section on saldo.

Bonus Terms on saldo

From time to time, we may offer promotional bonuses to new or existing users. Any bonus offer is subject to specific terms, which we communicate clearly at the time of the offer. Bonuses are not guaranteed and may be withdrawn or modified at our discretion.

Bonus funds, if offered, are credited to your account and may be subject to wagering requirements or other conditions. You must meet these conditions before you can withdraw bonus funds. If you do not meet the conditions within the specified timeframe, the bonus expires and is forfeited. We do not refund expired bonuses.

Bonuses cannot be combined with other offers unless explicitly stated. We reserve the right to cancel or suspend any bonus if we detect fraudulent activity, account manipulation, or breach of our terms.

Account Suspension and Closure

We may suspend or close your account if you breach these terms, engage in fraudulent activity, use prohibited payment methods, or violate applicable law. Suspension may be temporary (pending investigation) or permanent (if a breach is confirmed).

If your account is suspended, you cannot place new bets or withdraw funds until the suspension is lifted. If your account is closed, we will return any remaining balance to your registered payment method, subject to verification. Closure is final and your account cannot be reopened.

We may also suspend your account if we detect unusual activity — for example, multiple failed login attempts, rapid large deposits and withdrawals, or betting patterns inconsistent with normal play. In such cases, we contact you to verify your identity before restoring access.

Dispute Resolution on saldo

If you have a dispute with saldo — for example, a missing deposit, an incorrect payout, or an account issue — contact our support team via the Help section in your account. We investigate all disputes and respond within a reasonable timeframe.

Our support team is available in English and Indonesian. You can also visit our FAQ page for common questions. If you are not satisfied with our response, you may escalate your dispute to our management team for further review.

Jurisdiction Notice

Our services are available only where local law permits. We do not offer our services in jurisdictions where online wagering is prohibited. Users are responsible for verifying that access and use comply with their own jurisdiction's law. saldo is not liable for any legal consequences arising from your use of our platform in a jurisdiction where such use is prohibited.

If you access saldo from a jurisdiction where our services are not available, your account may be suspended or closed without notice. Any funds in your account will be returned to your registered payment method, subject to verification.

Data Privacy and Security

We protect your personal data using industry-standard encryption and security practices. Your payment details are never stored on your device — each transaction is processed directly with your bank or wallet provider. We do not share your data with third parties except as required by law or to process your transactions.

You can access, update, or delete your personal data by contacting our support team. We retain your data for as long as your account is active and for a reasonable period afterward to comply with legal obligations.

Limitation of Liability

saldo is provided on an "as is" basis. We do not guarantee uninterrupted service or error-free operation. We are not liable for any indirect, incidental, or consequential damages arising from your use of our platform — including loss of profits, loss of data, or business interruption.

Our total liability to you for any claim is limited to the amount you have deposited into your account. This limitation applies to all claims, whether based on contract, tort, or any other legal theory.

Changes to These Terms

We may update these terms at any time. Changes take effect when we publish them on this page. Your continued use of saldo after changes are published constitutes acceptance of the updated terms. If you do not agree with any changes, you may close your account.

We will notify you of material changes via email or in-app notification. For questions about these terms, contact our support team via the Help section in your account or visit our FAQ pageOur team is available in English and Indonesian.