cato Legal Notice

We operate cato in supported jurisdictions only. Our service is not available everywhere, and we do not claim to be licensed in any specific country. This notice clarifies where cato operates, who can use our platform, and your responsibility to verify local law before accessing our games, betting markets, and payment systems.

We do not offer our services in jurisdictions where online wagering is prohibited. If you access cato from a region where gaming is forbidden by law, we will not process your transactions and may close your account. Your location is verified during registration using IP address, device information, and stated address data.

Read this notice carefully. By using cato, you confirm that you access our platform legally and take full responsibility for compliance with your own jurisdiction's law.

Service Availability and Jurisdiction Restrictions

cato is available in certain jurisdictions only. We do not operate in Indonesia, and we do not hold licenses in any single country. Our platform serves users in supported regions where online gaming is permitted by local law. Access from Jakarta, Surabaya, Bandung, Medan, or any other location in a prohibited jurisdiction will be blocked or terminated.

We maintain a list of prohibited jurisdictions and update it regularly. If gaming laws change in your region, we will cease service to that region immediately. Your continued ability to access cato depends on whether your location remains on our permitted list.

If you are uncertain whether cato is legal in your area, do not register or deposit funds. Contact your local gaming regulator or legal adviser before proceeding.

Account Eligibility and User Responsibility

To open an account on cato, you must be at the age of majority in your jurisdiction and legally able to contract. You confirm that you are not a resident of a prohibited region and that your access complies with local law. By registering, you represent that you have authority to enter into a binding agreement with us.

We verify your location during registration using geo-blocking technology. If we detect access from a prohibited jurisdiction, account creation will fail. If you later move to a prohibited region, your account may be suspended or closed, and any remaining balance will be returned to your original payment method (DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, local payment, online payment, or e-wallet).

You may not use cato on behalf of anyone else, nor may you share your account credentials. You are liable for all activity under your account. If you believe your account has been compromised, notify our support team immediately.

We Do Not Claim Specific Licensing

cato does not hold a license from any specific gaming regulator or country. We do not represent that we are licensed in Indonesia, Malta, Curaçao, or any other jurisdiction. We operate under the legal frameworks applicable to our jurisdiction of incorporation, and we comply with standard anti-money-laundering and data-protection requirements.

Do not rely on any claim of licensing or regulation as a guarantee of safety or solvency. We maintain operational reserve funds to cover customer balances; however, we do not guarantee full recovery in the event of insolvency or operational failure.

Payment Processing and Financial Responsibility

cato accepts nine payment methods: mobile banking, local payment, online payment, e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, and local payment. These partners are responsible for their own compliance with financial regulation. We do not hold your funds in trust; deposits are processed as operational transactions. We reserve the right to refuse payment from certain payment methods or regions without explanation.

Withdrawals return to your original payment method. If your bank or e-wallet provider declines a payout (for example, due to regulatory concerns or account closure), we are not liable for the delay or loss. You must resolve such issues directly with your financial institution.

Data Collection and Privacy

We collect your email, phone number, and identity document data to verify your account and comply with anti-money-laundering regulations. We encrypt all data and do not share personal information with third parties except where legally required (for example, to law enforcement or financial regulators).

Your data is stored in secure facilities. We retain your information for as long as your account is active and for a period thereafter to satisfy legal record-keeping obligations. You may request access to or deletion of your personal data subject to compliance holds. Contact our support team for details on our data-retention policy.

Dispute Resolution and Legal Proceedings

All disputes arising from your use of cato are resolved through our internal dispute process first. We investigate complaints using our system logs and settle disputes according to our published terms. If you are dissatisfied with our resolution, you may escalate to our support team for a final review.

We do not submit to arbitration or mediation unless required by applicable law in your jurisdiction. Any legal proceedings against cato must be brought in the courts of our jurisdiction of incorporation. You waive any claim that such venue is inconvenient or unreasonable.

Our liability to you is limited to the amount of your account balance at the time of the dispute. We are not liable for indirect, consequential, or punitive damages arising from your use of cato.

Market Coverage and Settlement

cato covers markets on Liga 1, Piala AFF, Piala Indonesia, Champions League, and other football tournaments. We also offer live-dealer tables, slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways), and esports (Mobile Legends, Free Fire, PUBG Mobile). Market coverage and settlement rules are published upfront. We do not alter odds or outcomes after settlement.

During major holidays (Idul Fitri, Idul Adha, Imlek) or due to unforeseen events, some markets may be suspended. We will notify you in-app if a market is affected. Suspended markets are typically voided and stakes refunded; we do not offer compensation beyond stake refunds.

Our Right to Modify Terms and Close the Service

We reserve the right to modify these terms, our account policies, or our service offerings at any time. Material changes will be announced in advance via in-app notification. Your continued use of cato after notice constitutes acceptance of revised terms.

We may suspend or close cato entirely at our sole discretion. Upon closure, we will process all customer balances as withdrawals to original payment methods within standard timelines. We are not liable for any loss of opportunity or earnings resulting from service suspension or closure.

Legal Inquiries and Contact

For questions about this legal notice, our compliance practices, or regulatory inquiries, contact our support team via live chat or email. We respond to legitimate compliance and legal requests within standard business hours. Law enforcement or regulatory bodies should direct formal inquiries to our compliance department.

This notice is effective as of the date posted on cato.bet. We update this notice periodically to reflect changes in our service or applicable law. Check this page regularly for updates. Your use of cato constitutes acceptance of this notice and our published terms.