The complete legal agreement governing your use of the murama platform. Please read these terms carefully before creating an account or placing any wager.
Essential points every murama player must understand before registering
You must be at least 21 years of age to create an account and place wagers on murama. We verify age during the KYC process and reserve the right to close any account found to be in breach of this requirement.
murama's services are directed at players residing in Indonesia. By registering, you confirm that you are accessing the platform from a jurisdiction where online gaming does not violate applicable local regulations as they apply to you personally.
Each individual is permitted to hold exactly one account on murama. Creating duplicate accounts — whether under the same name, address, device, IP address, or payment method — is a material breach of these terms and will result in account suspension.
All financial transactions must originate from payment methods registered in your own name. murama supports BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, OVO, DANA, GoPay, ShopeePay, LinkAja, and major cryptocurrencies (USDT, BTC, ETH).
Bonuses are subject to wagering requirements that must be met before withdrawal. Attempting to exploit bonus structures, using multiple accounts to claim promotions, or placing low-risk bets to circumvent wagering conditions constitutes bonus abuse and voids all associated winnings.
You are solely responsible for maintaining the confidentiality of your login credentials. murama will never request your password via email, live chat, or phone. Enable two-factor authentication (2FA) within your account settings to add an additional layer of protection.
For the purposes of these Terms & Conditions, the following definitions apply throughout this document:
Access to and use of the murama Platform is subject to the following eligibility requirements, all of which must be satisfied on a continuous basis:
You must be at least 21 years of age to register an account or participate in any wagering activity on the Platform. murama strictly enforces this age restriction and will require documentary proof of age during the KYC verification process. Any account discovered to belong to an individual under the age of 21 will be immediately closed, all funds will be returned to the verified payment source (excluding bonus credits), and all winnings generated will be void.
murama's services are principally directed at players residing in Indonesia, including major population centers such as Jakarta, Surabaya, Bandung, Medan, Semarang, Makassar, Palembang, and Bali. By registering, you represent that you are accessing the Platform from a location where doing so does not violate any applicable local law, regulation, or ordinance as it applies to you personally. It is your sole responsibility to determine the legality of online gaming activity in your jurisdiction prior to registering.
You must have the full legal capacity to enter into a binding contract under the laws of your jurisdiction. Individuals who have been declared legally incompetent or who are subject to guardianship orders are not eligible to register or participate on the Platform.
Individuals who have self-excluded from murama or from any other gambling platform through an industry-recognized self-exclusion program are not eligible to create a new account. If you become aware that you are registered despite a self-exclusion order, you must notify murama immediately via the contact details in Section 16.
Employees, contractors, directors, officers, and agents of murama, as well as immediate family members residing in the same household, are not permitted to hold active player accounts or participate in real-money wagering on the Platform.
To access real-money betting services on murama, you are required to complete the account registration process by providing accurate, current, and complete information including your full legal name, date of birth, valid email address, phone number, and preferred currency. You agree to keep this information up to date and to promptly notify murama of any changes.
Each individual is strictly limited to one registered account on the Platform. murama employs automated systems and manual review procedures to detect duplicate accounts linked by name, email address, phone number, residential address, IP address, device fingerprint, or payment method. The existence of multiple accounts belonging to the same individual constitutes a material breach of these Terms, regardless of whether the accounts were opened with fraudulent intent.
You are responsible for selecting a strong, unique password for your murama account and for maintaining its confidentiality. You must not share your login credentials with any third party. murama will never contact you unsolicited to request your password. Any activity conducted through your account — whether or not authorized by you — is your responsibility unless you have promptly reported a security breach to our support team.
Providing false, misleading, or fraudulent information during registration, including misrepresenting your age or identity, constitutes grounds for immediate account termination and forfeiture of all funds and winnings. murama reserves the right to request additional documentation at any time to verify the accuracy of the information on file.
murama is required to verify the identity and age of all players before processing withdrawal requests above defined thresholds, or upon reasonable suspicion of fraud, money laundering, or policy violations. The KYC process is a standard compliance procedure applied across the international online gaming industry.
To complete KYC verification, you will be asked to provide one or more of the following:
murama will endeavor to complete standard KYC verification within 24 hours of receiving all required documents in an acceptable format. Complex cases may require up to 72 hours. Until verification is complete, withdrawal functionality may be restricted. Deposits and gameplay may continue at standard limits pending verification.
If you fail or refuse to provide the required documentation within a reasonable period, murama reserves the right to restrict, suspend, or close your account. In such circumstances, any balance in the account will be subject to review, and murama's decision on disbursement will be final subject to applicable regulatory requirements.
< /div>murama accepts deposits and processes withdrawals via the following channels:
All deposits must originate from a payment account registered solely in your name. Third-party deposits — including payments made on your behalf by a family member, friend, or any other individual — are strictly prohibited. murama will return third-party deposits to the originating account and may suspend your account pending investigation.
Minimum and maximum deposit and withdrawal limits vary by payment method and account verification tier. Current limits are displayed within your account dashboard and on the Platform's cashier page. murama reserves the right to adjust these limits at any time with reasonable notice where operationally required.
Bank transfer deposits are typically credited to your murama account within 5 to 30 minutes of confirmed receipt. E-wallet deposits via OVO, DANA, GoPay, ShopeePay, and LinkAja are generally processed within minutes. Cryptocurrency deposits are credited after the required number of network confirmations, which varies by currency: Bitcoin typically requires 3 confirmations; Ethereum and USDT (ERC-20) require 12 confirmations. murama is not responsible for delays caused by blockchain network congestion.
Withdrawal requests for verified accounts are processed as follows:
All withdrawal timelines are quoted in Western Indonesia Time (WIB, UTC+7). murama does not guarantee processing times during peak periods, system maintenance windows, or public holidays including Idul Fitri, Indonesian Independence Day (17 August), and Nyepi.
To comply with anti-money-laundering (AML) obligations, murama will, wherever possible, return funds to the same payment method used for the corresponding deposit. If the original payment method is no longer available, you must contact our support team to arrange an alternative, which will be subject to additional verification.
All account balances are maintained in Indonesian Rupiah (IDR / Rp) unless you have selected a cryptocurrency account denomination. Cryptocurrency deposits are converted to IDR at the prevailing market exchange rate at the time of deposit confirmation. Conversion rates are displayed transparently in the cashier prior to confirmation. murama does not charge hidden conversion fees beyond the displayed rate.
murama does not charge internal processing fees on standard deposits or withdrawals. However, your bank, e-wallet provider, or cryptocurrency network may apply their own transaction fees, which are outside murama's control. Blockchain network gas fees for ETH and USDT transactions are borne by the player.
murama offers a range of promotional incentives including welcome bonuses, deposit match bonuses, free spins, cashback programs, and seasonal promotions tied to events such as Ramadhan, Idul Fitri, and major sporting tournaments including the FIFA World Cup, AFF Cup, and BRI Liga 1 season milestones. All bonuses are subject to the specific terms stated in the relevant promotion, in addition to these general bonus terms.
Unless a specific promotion explicitly states otherwise, all bonus credits are subject to a wagering requirement before they or any winnings derived from them become eligible for withdrawal. The applicable wagering multiplier for each promotion is stated clearly in the promotion's individual terms. Wagering requirements must be completed within the validity period specified for each bonus; unused bonuses expire automatically at the end of their validity period.
Different game categories contribute to wagering requirements at different rates. As a general guide: sports betting wagers contribute 100% toward wagering requirements; slot games contribute between 50% and 100% depending on the title; live casino table games (baccarat, roulette, blackjack) contribute between 10% and 20%; togel (Indonesia's traditional numbers lottery) draws contribute 50%. Exact contribution rates for each game and bonus are detailed in the specific promotion terms.
murama maintains sophisticated systems to detect bonus abuse, including but not limited to: creating multiple accounts to claim the same promotion; placing opposing bets to hedge wagering requirements; using automated betting scripts; and exploiting technical errors or misconfigured promotions. Any player found to be engaged in bonus abuse will have their bonus and related winnings voided, and their account may be permanently suspended.
murama reserves the right to modify, suspend, or terminate any promotion at any time, with notice provided where practicable. Changes to ongoing promotions will not affect bonuses already credited and being actively wagered in good faith at the time of the change.
All sports betting markets — including football (bandar bola — football wagering markets), basketball, badminton, MotoGP, and esports — are governed by the specific market rules published in the Platform's sportsbook section. In the event of a discrepancy between a general rule and a market-specific rule, the market-specific rule prevails. murama's trading team reserves the right to suspend markets, void bets, or limit maximum stake sizes where justified by market integrity concerns.
Live betting odds are updated in real time and reflect the current state of play. murama is not liable for telecommunications delays, connectivity issues, or latency between a live event and the odds display on the Platform. Bets accepted in error due to obvious technical faults in odds pricing — including but not limited to odds that are clearly inconsistent with the true market price — are void and will be refunded.
All casino and slot games are supplied by licensed third-party studios including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Pocket Games Soft. Game outcomes are determined by certified Random Number Generator (RNG) technology. Slot games described as slot gacor titles operate on standard RNG principles; no external modification of Return to Player (RTP) rates is applied by murama beyond the base configuration set by the game studio.
Togel (Toto Gelap — Indonesia's traditional numbers lottery) results on murama are sourced from official draw results for Togel SGP (Singapore), Togel HK (Hong Kong), Togel SDY (Sydney), and Togel Macau. murama publishes results within 15 minutes of the official draw. Bets placed after the official cut-off time for each draw are void. Minimum bet sizes and prize structures are displayed in the togel section of the Platform.
In the event of a dispute regarding the settlement of a bet or game outcome, you must raise the matter with our customer support team within 7 days of the relevant event. murama will investigate the dispute and provide a written response within 5 business days. murama's settlement decisions, made in accordance with these terms and the applicable game or market rules, are final.
The following actions are strictly prohibited on the murama Platform. Engaging in any of the following may result in immediate account suspension, forfeiture of funds, and referral to relevant authorities where applicable:
All content on the murama Platform — including but not limited to the murama brand name, logo, website design, graphics, text, software code, game interfaces, and promotional materials — is the intellectual property of murama or its licensors and is protected by applicable copyright, trademark, and intellectual property law.
You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from the Platform without the express prior written consent of murama.
murama collects, processes, and stores personal data in accordance with our Privacy Policy, which forms an integral part of these Terms & Conditions and is available at murama.cam/privacy-policy. By registering an account, you consent to the collection and processing of your personal data as described in that policy.
murama implements industry-standard security measures including 256-bit SSL encryption, firewalled database architecture, and role-based internal access controls to protect your personal and financial data. However, no data transmission or storage system can guarantee absolute security, and murama cannot warrant the complete security of information you transmit to us.
murama is committed to promoting responsible gaming practices and provides a suite of player protection tools accessible from within your account dashboard. These include real-time deposit limits (daily, weekly, and monthly), session time reminders, cooling-off periods of 24 hours to 30 days, and permanent self-exclusion. Full details of these tools and associated guidance are available on our Responsible Gaming page.
murama reserves the right to impose account restrictions — including forced deposit limits, cooling-off periods, or account suspension — on any player whose betting patterns suggest problem gambling behavior, regardless of whether the player has self-identified a problem. This is a protective measure, not a punitive one, and is conducted in accordance with internationally recognized responsible gaming standards.
murama provides the Platform on an "as available" basis. While we make every reasonable effort to maintain continuous, uninterrupted service, we do not warrant that the Platform will be free from outages, errors, or interruptions. Scheduled maintenance windows will be communicated in advance where practicable.
To the fullest extent permitted by applicable law, murama's total aggregate liability to any individual player arising from or related to their use of the Platform — whether in contract, tort, or otherwise — shall not exceed the total net deposits made by that player in the 12-month period immediately preceding the event giving rise to the claim.
murama shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of opportunity, or loss of data, arising from your use of or inability to use the Platform, even if murama has been advised of the possibility of such damages.
The Platform integrates third-party services including game studios (Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, Pocket Games Soft), payment processors, and data providers. murama is not liable for failures, errors, or misconduct attributable to these third-party providers beyond our reasonable control.
You may close your murama account at any time by contacting our customer support team. Upon closure request, any outstanding verified balance (net of bonus credits that have not met wagering requirements) will be returned to your registered payment method within 5 business days, subject to completion of any pending KYC requirements.
murama reserves the right to suspend or permanently close any account, with or without prior notice, in the event of: a material breach of these Terms & Conditions; fraudulent or criminal activity; regulatory or legal requirements; or the genuine belief that continued operation of the account poses a risk to the integrity of the Platform or the safety of other players.
Upon termination for cause, any bonus credits and winnings derived from prohibited conduct are forfeited. Verified deposited funds (excluding those subject to a money laundering investigation) will be returned to the originating payment source after any applicable investigation period. murama's obligations under applicable data protection law continue after account termination.
These Terms & Conditions and any dispute or claim arising out of or in connection with them — whether contractual, tortious, or statutory in nature — shall be governed by and construed in accordance with the laws of the jurisdiction in which murama is incorporated and licensed, as applicable at the time of the dispute.
murama operates under an internationally recognized gaming license. Players based in Indonesia acknowledge that online gaming regulation in Indonesia is subject to ongoing legislative development, and agree that their use of the Platform is at their own discretion and risk with respect to local regulatory compliance.
Any dispute that cannot be resolved through murama's internal dispute resolution process (see Section 7.5) may be referred to binding arbitration under the rules of a mutually agreed international arbitration body. Neither party shall pursue litigation in a national court system before exhausting arbitration remedies.
murama reserves the right to amend, update, or replace these Terms & Conditions at any time. Material changes will be communicated to registered players via email to the address on file or via a prominent notice on the Platform's homepage, with a minimum of 14 days' notice prior to the changes taking effect, except where immediate changes are required by law or regulatory directive.
Your continued use of the Platform after the effective date of any amended Terms constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must cease using the Platform and contact our support team to close your account before the effective date.
The "Last Updated" date displayed at the top of this page reflects the most recent revision. We recommend reviewing these Terms periodically to remain informed of your rights and obligations.
If you have any questions, concerns, or complaints regarding these Terms & Conditions, or if you wish to exercise any of your rights described herein, please contact the murama support team through the following channels:
Our support team is available around the clock to clarify any aspect of these Terms & Conditions. You can also explore our FAQ for quick answers, or review our Responsible Gaming guidelines.
murama is a 21+ platform. Please gamble responsibly. For queries, contact us at [email protected]