These terms set out how your account on apanama works, what we expect from you, and what you can expect from us. They cover everything from account access and transactions through GoPay, QRIS, or Bank Transfer, to how we handle disputes and what happens if something goes wrong. Access and use depend on eligibility under local law in your region.
Account Access Rules
GoPay · QRIS · Bank Transfer
Jurisdiction-Dependent Eligibility
Live casino and slots
POLICY SCOPE
How These Terms Apply to Your Account
When you open an account on apanama, you enter into an agreement with us under these terms. They apply each time you log in, browse the lobby, or move funds through your wallet — whether that is a GoPay top-up, a QRIS scan, or a Bank Transfer. We update these terms when our services change, and the version shown here is the one in force today. Continued use of your account after any update means you accept the revised terms. If a specific section conflicts with a notice we have sent to your account directly, the account notice takes effect for that matter. These terms do not override local law: where Indonesian law or regional regulation sets a stricter or different rule, that rule applies. Availability of any feature — including payment rails and game content from studios like PG Soft and Microgaming — depends on your eligible region. We are not able to confirm eligibility on your behalf; the account registration flow shows the steps and fields required for your region.
GoPay
GoPay transactions are processed through the wallet linked at account setup. Limits and verification steps are shown inside your account wallet page after login.
QRIS
QRIS is available at checkout for supported regions. The QR code and transaction reference appear on screen at the point of payment; keep the reference for any query.
Bank Transfer
Bank Transfer details — including the receiving account number and transfer code — are displayed at the time of transaction. Match the code exactly to avoid a mismatch hold.
WHAT IS COVERED
Where These Terms Apply and What They Cover
These terms draw a clear line between what we govern and what falls outside our direct control. Your account actions, wallet movements, and access to game content sit inside our policy. Third-party services connected to your account follow their own terms.
Account Access
Login, registration, and session management are governed by these terms. Account security — including how you protect your credentials — is your responsibility under the rules set out here.
Wallet Transactions
Deposits and withdrawals through GoPay, QRIS, and Bank Transfer are covered. Transaction records are held in your account history and are the reference point for any dispute.
Site Content
Game content from studios including PG Soft, Bigtime Gaming, and Joker is available through the lobby. Studio availability may vary by region; the lobby reflects what is live for your account.
Third-Party Services
Payment processors, e-wallet providers, and external studio platforms operate under their own terms. We do not control their policies, and a dispute with a third party is handled through their own channels.
YOUR ACCOUNT RIGHTS
Actions Available to You Under These Terms
You have concrete options under these terms — this section tells you where to find them. Your transaction history is accessible from the wallet tab after login; every GoPay credit, QRIS payment, and Bank Transfer is logged there with a timestamp and reference number. If a detail on your account is incorrect — name spelling, contact address, linked phone number — the account settings page has the relevant fields to update them. For questions about a specific transaction or a term you do not understand, our support team is the right first contact. We aim to respond to account queries through the channels listed on our contact page; response times depend on queue volume and are not fixed. If your question concerns a restriction applied to your account, state your account reference and the relevant transaction ID when you write to us — it speeds up the review.
Review Your Records
Open the wallet tab after login to see a full transaction log. Each entry shows the method — GoPay, QRIS, or Bank Transfer — the amount, timestamp, and reference code.
Correct Account Details
Account settings let you update contact information and linked wallet details. Some changes may require identity verification; the form shows which fields need it.
Raise a Question
Use the support contact form or live chat to ask about a specific transaction or term. Include your account reference and the transaction ID for faster handling.
Request a Review
If you believe a term has been applied incorrectly to your account, write to support with your account reference. We will review the case and reply through your registered contact.
CONTACT CHANNELS
How to Reach Us About These Terms
Questions about these terms go to our support team. The contact methods below are the ones we monitor for account and policy queries.
Live Chat
Available from the account dashboard after login. Use this for transaction questions or to ask about a specific clause in these terms.
Support Form
The contact form on our support page accepts written queries. Include your account reference and the section of these terms you are asking about.
Account Dashboard
Your account dashboard shows active notices, policy updates, and the current status of any open query you have raised with us.
DATA AND SECURITY
How We Handle Your Account Under These Terms
Your account data — login credentials, wallet records, transaction history — is held on our platform under the data handling practices described in our privacy policy, which sits alongside these terms. We use session security measures to protect account access; details of those measures are not published in full for security reasons, but you can see your active session list from account settings and end any session you do not recognise. Cookies used on the site are covered by our cookie notice, accessible from the footer. We retain transaction records for the period required under applicable Indonesian law and our internal audit standards. To request a copy of data we hold on your account, or to ask about retention periods for a specific record type, contact support with your account reference.
Data Retention
Transaction and account records are kept for the period required by applicable Indonesian law. Retention periods for specific record types are available on request through support.
Session Security
Active sessions are listed in account settings. End any session you do not recognise immediately, then contact support if you suspect unauthorised access to your account.
Cookie Handling
The cookie notice in the site footer explains what we collect, why, and how to manage preferences. Functional cookies are required for account login and wallet operations.
Policy Updates
When these terms change, the updated version is posted here and a notice is placed in your account dashboard. The date shown at the top of this page is the version currently in force.
TERMS FAQ
Common Questions About These Terms
Real questions about how these terms work in practice — answered directly.
Do these terms apply to every transaction I make, including GoPay and QRIS?
Yes. Every wallet movement you make through your apanama account — GoPay top-ups, QRIS payments, and Bank Transfers — is governed by these terms. The specific limits and verification steps for each method are shown in your account wallet page.
How do I find out if these terms have been updated since I last logged in?
A notice appears in your account dashboard when we update these terms. The version date at the top of this page tells you when the current version took effect. Continued account use after an update means you accept the revised terms.
What should I do if I think a term has been applied incorrectly to my account?
Contact support through live chat or the support form. Include your account reference and the transaction ID or section of these terms in question. We review the case and reply through your registered contact method.
Where do I find my transaction records if I need to raise a dispute?
Your full transaction history is in the wallet tab, accessible after login. Each entry shows the payment method, amount, timestamp, and a reference code. Use that reference code when you contact us about a specific transaction.
Can I update my account details if something is listed incorrectly?
Yes. Account settings let you correct contact information and linked wallet details. Some fields require identity verification before the change is saved — the form indicates which ones. Contact support if a field you need to update is not editable from settings.
Do these terms cover game content from studios like PG Soft and Bigtime Gaming?
These terms govern your access to all content available through the apanama lobby, including titles from PG Soft, Bigtime Gaming, and other studios on the platform. Studio availability can vary by region; the lobby shows what is currently live for your account.
Sports / Live