Reference

Your Account, Your Rules – Clear Terms for Every Player

Our Terms & Conditions outline how your account works, how deposits and withdrawals are handled, and what we expect from each other.

Account SecurityPayment VerificationWithdrawal PoliciesPlayer RightsSupport Access
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horse toto Your Account, Your Rules – Clear Terms for Every Player
GET IN TOUCH

Reach Us When You Have Questions About These Terms

Our support team is trained on every detail of our Terms & Conditions and can walk you through account rules, withdrawal procedures, or security protocols. We're available on multiple channels so you can reach us the way that suits you best. Response times are fast — most chat queries are answered within minutes during business hours.

Team online

Live Chat Support

Open the chat widget in the bottom-right corner of your account dashboard or the lobby. Available 24/7. Most term clarifications are resolved in under five minutes.

Email Support

Send detailed questions to [email protected]. We respond within four hours on weekdays, 24 hours on weekends. Attach account screenshots if you're reporting a specific transaction.

In-App Help Centre

Browse our FAQ directly inside the horse toto app under Settings > Terms & Support. Search by keyword to find answers about account rules, deposits, withdrawals and security.

HOW WE PROTECT YOU

Data, Security, and How We Use Your Information

horse toto treats your personal data with the same care we give to payment security.

Encryption Standard

All deposits, withdrawals and account credentials use bank-grade TLS 1.3 encryption. Your DANA, OVO, GoPay and QRIS payments are never stored in plain text on our servers.

Identity Verification

We verify your phone number and email when you sign up, and confirm your banking details before the first withdrawal. This prevents account hijacking and fraud.

Data Retention

We keep transaction records for seven years to comply with local regulations. Personal data is deleted 30 days after you close your account, unless a dispute is pending.

Payment Partner Security

DANA, OVO, GoPay and QRIS are processed through PCI-compliant gateways. horse toto never sees your full banking credentials — only confirmation that a transaction cleared.

Request Your Data

Email [email protected] with the subject 'Data Access Request' and your account username. We'll send a full export of your stored information within 10 business days.

Report a Security Concern

If you suspect unauthorized access or fraudulent activity, contact live chat immediately or email [email protected]. We'll freeze your account within minutes and investigate.

Your Terms & Conditions Questions Answered

We've compiled the questions we hear most often about how our Terms & Conditions work in practice. If you don't see your question here, our support team is ready to help — reach them via chat, email or the in-app help centre.

Sharing your login violates our Terms & Conditions and puts your account and funds at serious risk. If someone else accesses your account without permission and withdraws money, the transaction may be permanent. Always keep your password private. If you suspect someone has accessed your account, email [email protected] immediately and we'll lock it while we investigate.

Yes. Go to Account Settings > Payment Methods and select the bank or e-wallet (DANA, OVO, GoPay, QRIS) you want to use for future deposits and withdrawals. If you're switching to a new bank account, we'll verify it with a small test deposit before enabling it for withdrawals. This protects you from accidental transfers to the wrong account.

Most withdrawals are verified and sent to your bank or e-wallet within 24 hours. DANA and OVO transfers typically arrive within 10 minutes after verification. GoPay and QRIS transfers clear within 30 minutes. If a withdrawal is delayed beyond 24 hours, contact support — it's usually a bank processing queue, not a platform issue.

Account verification confirms your identity and links a valid payment method to your wallet. We ask for your phone number, email and banking details during sign-up. On your first withdrawal, we send a code to your phone to double-check it's really you. This protects your funds and prevents fraud. Verification takes under five minutes and only happens once per withdrawal method.

When you request account closure, we send any remaining balance to your linked payment method (DANA, OVO, GoPay or QRIS) within 48 hours. After closure, you cannot reopen the same account; you'd need to sign up with a new email. Your account data is deleted 30 days after closure unless a dispute or investigation is pending.

horse toto does not charge deposit or withdrawal fees. All costs are covered by us. Your bank or e-wallet provider (DANA, OVO, GoPay, QRIS) may display transaction information, but no fee is deducted from your transfer. What you deposit and what you request for withdrawal is what you receive.

Minimum withdrawal is Rp 50,000 and the maximum per transaction is Rp 50,000,000, depending on local law and your account history. If you've just opened your account, your first withdrawal may be capped lower for security; the limit increases after a few successful transactions. Contact support if your preferred amount is blocked.

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