Reference

skema88 Terms & Conditions: What You Agree To

Before you open an account on skema88, these Terms & Conditions set out exactly what we expect from you and what you can expect from us — covering…

Account eligibility depends on local lawDANA, OVO, GoPay & QRIS coveredOne account per personUpdates notified via registered emailSemarang & all Indonesia regions
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skema88 skema88 Terms & Conditions: What You Agree To
TERMS CONTACT PATH

Reach Us When These Terms Raise Questions

If any clause in these Terms & Conditions is unclear or you believe your account has been handled inconsistently with them, our support team is the direct path to a resolution.

Live Chat Available 24 hours a day, seven days a week. Start a chat from the cashier page or the help icon on mobile for the fastest response to terms or account questions.
Email Support Send a detailed query to our support address for written confirmation. We aim to reply within four hours for account and policy matters tied to these Terms & Conditions.
In-App Help The help button sits beside your wallet status on the cashier screen. Tap it from any device to open a terms query without leaving your account session.
HOW WE PROTECT YOU

Browse Our Account Security and Data Practices

Your account data, transaction history and wallet connections are handled under the practices below.

Data Storage

We store your registration details, verified phone number and deposit history on encrypted servers. We do not sell personal data to third parties, and access is limited to operational staff who manage your account.

Cookie Policy

Cookies track your session state and wallet status so DANA, OVO, GoPay and QRIS connections persist between visits. You can clear cookies through your browser; doing so will log you out and reset saved wallet preferences.

Account Security

Phone verification is required before your account is activated. We recommend a strong, unique password and will never ask for your password via chat or email — flag any such request to support immediately.

Data Retention

We retain your account and transaction records for as long as your account is active and for a statutory period after closure. You may request a summary of stored data by contacting our support team directly.

Contact for Changes

To update your registered email, phone number or linked wallet details, contact support through live chat or the in-app help path. Identity re-verification is required before any credential change is confirmed.

Request and Dispute Path

If you believe a transaction or account action conflicts with these Terms & Conditions, raise it via email support with your transaction reference. We will issue a written response within 48 hours of receiving the full details.

Open the Answers to Common Terms Questions

These questions cover what our users in Indonesia ask most often about the skema88 Terms & Conditions — from account eligibility and wallet rules to data rights and how to dispute a decision.

The Terms & Conditions apply to every person who opens an account on skema88. Eligibility depends on local law in your region. By completing phone verification and accessing the lobby, you confirm that you have read and accepted these terms.

We notify you by email to your registered address before any material change takes effect. Continuing to use your account after that notification counts as your acceptance of the updated Terms & Conditions.

Yes. Every deposit and withdrawal — whether via DANA, OVO, GoPay, QRIS, virtual account or bank transfer to BCA, BRI, Mandiri or BNI — is governed by these Terms & Conditions, including processing time expectations and dispute steps.

Contact our support team via live chat or email with your registered phone number and account ID. We will compile your stored registration, transaction and wallet data and send it to your verified email address within a reasonable timeframe.

Yes. We may suspend or close an account if we detect a breach of these terms — including multiple accounts, fraudulent payment activity or misuse of promotional features. We will notify you by email and provide a path to appeal the decision.

These terms apply to your use of skema88 where local law permits. Access to specific lobby areas, including Live Dealer Lobby, Aviator and Super Bingo, depends on local law in your region at the time of access.

Email our support team with the transaction reference, the date, the wallet used — DANA, OVO, GoPay or QRIS — and a description of the issue. We issue a written response within 48 hours and keep a record of all dispute outcomes.

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