harum Platform Account Terms

When you create an account on harum, you agree to our terms governing account use, deposits, withdrawals, market settlement, and dispute resolution. These terms apply to all users regardless of location, though our service is available only in jurisdictions where local law permits online gaming.

Our terms cover account eligibility (you must be of legal age in your jurisdiction), account security (you are responsible for keeping your password confidential), payment processing (deposits and withdrawals are subject to payment-partner processing times), and market settlement (outcomes are settled automatically and are final). We also set out your rights if you encounter a dispute with harum.

This page summarizes our account terms in plain language. If you have questions about any term, contact our support team before opening an account. By creating an account on harum, you accept these terms in full.

Account eligibility and opening on harum

To open an account on harum, you must be of legal age in your jurisdiction (typically 18 or older). You must provide accurate personal information—your real name, email address, mobile number, and identity documents. We verify this information via SMS code (mobile verification) and document upload (KYC verification). False or misleading information on your harum account application may result in account suspension.

We do not operate in jurisdictions where online gaming is prohibited by law. By opening an account on harum, you confirm that online gaming is legal in your jurisdiction and that you are authorized to use our service. We reserve the right to restrict or terminate your account if we determine that you are accessing harum from a prohibited jurisdiction.

Your harum account is personal and non-transferable. You may not share your account credentials with anyone else, and you may not operate multiple accounts using the same identity or payment method. We monitor for duplicate accounts and fraudulent activity; violations may result in account closure and forfeiture of your balance.

Deposits and payment processing on harum

harum accepts deposits via multiple payment methods: DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, and bank transfers (mobile banking, local payment, online payment, e-wallet virtual accounts). When you request a deposit on harum, your funds are transferred from your payment method to our payment partner, who then credits your harum balance. E-wallet deposits (mobile banking, local payment, online payment) typically complete within seconds. Bank transfers may take one to two business days depending on the receiving bank's processing queue.

We do not hold your funds; once your payment partner confirms receipt, your harum balance updates immediately. If a deposit fails—your card is declined, your e-wallet lacks sufficient balance, or your bank blocks the transfer—the funds remain with your payment method. We do not charge fees for deposits, though your payment provider may charge their own transfer fees.

On harum, deposits are final. You cannot reverse a deposit once it posts to your account. If you deposit funds by mistake, contact our support team with your transaction ID; we may investigate, but we cannot guarantee reversal.

Withdrawals and settlement on harum

When you request a withdrawal on harum, funds are transferred from your account to your original deposit method (the payment method you used to fund your account). We process withdrawals to e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, and bank accounts. E-wallet withdrawals typically post within hours. Bank withdrawals may take one to three business days depending on the receiving bank's processing time.

We do not guarantee a specific withdrawal timeframe. Delays may occur due to payment-partner processing, bank queues, or regulatory verification. If your withdrawal remains pending after three business days, contact our support team with your withdrawal ID and transaction details. We will investigate with the payment partner.

On harum, you must have sufficient balance to cover your withdrawal request. We do not permit overdrafts or withdrawals exceeding your account balance. Withdrawal requests are irrevocable once submitted; if you need to cancel, contact support immediately.

On harum, your balance belongs to you. We process deposits and withdrawals fairly, transparently, and without arbitrary holds.

Market settlement and Liga 1 / Piala AFF outcomes on harum

When you place a sportsbook position on harum (Liga 1, Piala AFF, Champions League, esports markets), your position settles based on official results published by the relevant league or governing body. Settlement is automatic and occurs seconds to minutes after the official result is confirmed. Once settled, the outcome is final; we do not adjust or void settlements.

For Liga 1 matches, we use the official league standings and match records. For Piala AFF, we reference the tournament's official website. For esports markets (Mobile Legends, Free Fire, PUBG Mobile), we use official tournament results published by the game publisher. If an official result is disputed or delayed, harum may hold settlement pending confirmation.

We do not make exceptions or adjustments to settled outcomes. If you believe an outcome was settled incorrectly due to a data error on harum's end, contact our support team with your market ID and settlement details. We will investigate, but correction is not guaranteed.

Live-dealer game rules and slot mechanics on harum

On harum, live-dealer games (blackjack, roulette, baccarat, Dragon Tiger) are governed by standard casino rules displayed before each session. Payouts are determined by game rules and are settled automatically when the dealer announces the result. Slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways) are managed by licensed game providers and operate under fixed mathematical rules disclosed in each game's rules section.

We do not offer refunds, re-spins, or do-overs for live-dealer or slot outcomes once settled. If you experience a technical glitch (connection drop, display error, server crash) during a game session on harum, contact support immediately with your session ID. We will review logs and may offer account credit if a harum system error affected your session.

All games on harum are designed to operate with consistent odds and payback percentages. We do not adjust odds in real time based on player behavior or balance. Game results are generated by certified random-number generators and are not manipulated.

Your account security and password responsibility on harum

You are responsible for keeping your harum password confidential. Do not share your password with anyone, and do not use the same password on harum as you use on other sites. If you suspect your account has been compromised, change your password immediately and contact our support team.

harum protects your account with encryption, two-factor SMS verification, and KYC identity checks. However, no security system is entirely foolproof. If unauthorized activity occurs on your account due to your password being compromised, harum is not liable for losses resulting from that unauthorized access, unless the breach resulted from harum's negligence.

If your account is accessed by someone else and funds are withdrawn without your authorization, contact our support team immediately with evidence. We will investigate, but recovery of funds is not guaranteed. We recommend enabling browser security features and keeping your device free of malware to protect your account credentials.

Dispute resolution and liability on harum

If you have a dispute with harum—a settlement you believe is incorrect, a deposit that did not post, a withdrawal that is stuck, or a technical issue—contact our support team in writing. Provide your harum account email, the transaction ID or market ID in question, and a detailed description of the issue. Our support team will investigate and respond within two business days when possible.

If our initial investigation does not resolve your dispute, we offer a formal dispute process. Submit your dispute request in writing to our support team. We will conduct a thorough review of transaction logs, game records, and payment-partner confirmations. Our decision is final unless local law provides additional appeal mechanisms in your jurisdiction.

harum's liability is limited to the amount of funds in your account at the time of the dispute. We do not provide compensation for lost opportunity, emotional distress, or consequential damages. By creating an account on harum, you agree to resolve disputes through our internal process before pursuing legal action.

Jurisdiction and governing law for harum accounts

harum services are available only in jurisdictions where online gaming is legally permitted. We do not operate in locations where gaming is prohibited by law. If you access harum from a prohibited jurisdiction, your account may be suspended or terminated, and your balance may be forfeited.

These terms are governed by the laws of Indonesia. Any dispute arising under these terms is subject to Indonesian legal jurisdiction. We reserve the right to modify these terms at any time. Changes take effect immediately upon publication on our website. Continued use of your harum account after a change indicates your acceptance of the new terms.

Users are responsible for verifying that access and use of harum comply with their jurisdiction's law. We recommend consulting local authorities if you are unsure about the legality of online gaming in your region.

Account suspension and termination on harum

We reserve the right to suspend or terminate your harum account if we determine that you have violated these terms. Violations include providing false information, operating multiple accounts, attempting fraudulent activity, or accessing harum from a prohibited jurisdiction. Suspension is temporary; termination is permanent.

If your account is suspended, you cannot access your account, but your balance remains intact. If your account is terminated, we will process your remaining balance to your original payment method within ten business days. You will not be able to recover or dispute account termination once implemented.

harum is not obligated to provide advance notice before suspension or termination, though we typically investigate first. Serious violations (fraud, hacking attempts) may result in immediate termination without notice.

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