mutiara Privacy Policy
This page describes what we collect when you use mutiara and how we keep that data protected. We collect personal information during account creation, identity verification, and every transaction on our platform. Our mutiara privacy practices comply with applicable data-protection laws in all regions where we operate.
We at mutiara take your privacy seriously. Your data funds our compliance obligations, fraud prevention, and payment processing—nothing more. We do not sell, rent, or share your personal information with marketers or unrelated third parties. Payment partners (DANA, e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, local payment, online payment, e-wallet operators) and regulatory authorities may receive data as required by law.
If you have questions about how mutiara handles your data, contact our privacy team through the Help menu or via [email protected]. This policy is effective immediately and applies to all mutiara users globally.
What Data We Collect on mutiara
We collect the following personal information when you create a mutiara account: full legal name, date of birth, email address, phone number, and residential address. These details are required for account setup and identity verification.
During mutiara identity verification, we collect government-issued identification details (ID number, passport number, or driver license number) and request a photograph of your ID document and a selfie photo. We use these documents to confirm your identity matches your account registration and to verify your eligibility under local law.
We collect payment information whenever you deposit funds on mutiara. This includes e-wallet account details (DANA, e-wallet, mobile banking, local payment, online payment, e-wallet identifiers) or bank virtual-account numbers (mobile banking, local payment, online payment, e-wallet account details). We do not store full e-wallet or bank credentials; instead, we retain transaction references and authorization tokens provided by payment partners.
mutiara collects transaction history and account activity logs
We record every deposit, withdrawal, game session, and support interaction on mutiara. This data helps us prevent fraud, investigate disputes, and comply with anti-money-laundering regulations.
We collect device information when you access mutiara: device type (Android, iOS, desktop), operating system version, browser type, and IP address. We also collect network information including your Internet service provider and approximate geographic location based on IP data. This information helps us detect suspicious login attempts and prevent account compromise.
We collect cookies and tracking data on mutiara.bet to track your session, remember your preferences, and measure site performance. Cookies remain on your device and persist until you clear your browser cache. You may disable cookies in your browser settings, but doing so may limit mutiara functionality.
How We Use Your Data on mutiara
We use your personal data collected on mutiara for these purposes: account administration (login, password recovery, communication), identity verification and eligibility confirmation, payment processing and settlement, fraud and money-laundering prevention, regulatory compliance, customer support, and legal dispute resolution.
We do not use mutiara data for marketing, personalized advertising, or behavioral targeting without your explicit consent. We do not sell or rent your mutiara data to data brokers, advertisers, or unrelated third parties.
Our mutiara staff accesses your data only when necessary to resolve support issues, investigate disputes, or comply with legal requirements. All staff sign confidentiality agreements and receive privacy training. Unauthorized access to mutiara user data results in immediate termination and legal action.
Data Storage, Third Parties, and Your Rights on mutiara
We at mutiara store your personal data on encrypted servers located in multiple jurisdictions, including regions outside Indonesia. Our servers may sit outside your country of residence; data transferred internationally is protected by encryption in transit. We retain data for as long as necessary to operate your mutiara account, comply with applicable law, and resolve disputes. After account closure, we retain certain data for regulatory compliance and fraud prevention, typically for seven years.
mutiara payment processing involves third-party payment operators. These partners receive only the data necessary to process your transactions—your name, account identifier, transaction amount, and payment method. Payment partners are bound by confidentiality agreements and handle data according to their own privacy policies and applicable law.
We share mutiara data with fraud-prevention services, security consultants, and legal advisors as needed to protect your account and our platform. We disclose data to regulatory authorities, law enforcement, and government agencies only when legally compelled via subpoena, court order, or regulatory request. We will not notify you of such disclosures if legally prohibited from doing so.
Your Rights and Data Access on mutiara
Depending on your jurisdiction, you may have rights to access, correct, or delete your personal data on mutiara. To exercise these rights, submit a written request through the Help menu in the mutiara app or email [email protected] with your account number and a detailed description of your request.
We at mutiara will respond to data-access requests within 30 days. We may request additional verification to confirm your identity before disclosing sensitive information. Some data cannot be deleted if required by law or necessary to operate your mutiara account and process refunds.
We do not retain data longer than necessary. If your mutiara account is closed, we delete non-essential data within 90 days, except data required for regulatory compliance, fraud prevention, or legal proceedings.
Security and Data Breaches
We employ industry-standard encryption (SSL/TLS protocols) to protect data in transit. Our mutiara servers use firewalls, intrusion detection, and regular security audits to prevent unauthorized access. We do not guarantee absolute security; no system is immune to breaches.
If we detect a data breach affecting mutiara user information, we will notify affected users via email and in-app notification within applicable legal timeframes. We will provide details about the breach, affected data, and steps we have taken to secure your account.
Your mutiara account security also depends on your behaviour. Never share your password, one-time codes, or seed phrases with anyone. Enable two-factor authentication where available. If you suspect unauthorized access to your mutiara account, change your password immediately and contact support.
Legal and jurisdiction information for mutiara users
Service availability
We at mutiara provide our services exclusively in jurisdictions where local law permits online gaming, sports betting, live-dealer casinos, and related entertainment activities. We do not offer mutiara to users in regions where such services are prohibited or restricted without specific regulatory authorization. Our platform enforces geofencing and IP-based access controls to block connections from unsupported jurisdictions. Users attempting to access mutiara from prohibited regions will find their accounts suspended or access denied. We strongly encourage all users to verify that their local jurisdiction permits access to mutiara before creating an account or depositing funds. mutiara's regional availability is subject to change as regulations evolve; we monitor compliance obligations continuously and adjust service availability accordingly. We maintain a list of supported regions on our site and update it as legal circumstances change. We reserve the right to restrict, suspend, or terminate access from any region that does not comply with our regulatory obligations. Users who access mutiara from prohibited jurisdictions assume all legal and financial risk associated with such access, and we accept no liability for enforcement actions or consequences resulting from unauthorized access.
Account eligibility
Account eligibility for mutiara is determined by the laws applicable in your jurisdiction. We do not impose a single global age requirement; instead, we comply with the legal eligibility standards set by each region where mutiara operates. You are solely responsible for verifying that you meet your local jurisdiction's age, capacity, and legal requirements before creating a mutiara account. Your account creation on mutiara constitutes your confirmation that you have independently verified your eligibility under applicable law. Our mutiara signup process requires identity information including your name, email, phone number, and government-issued identification, which we use for identity verification and to confirm compliance with local-law eligibility standards. We reserve the right to request additional identity documentation at any time to verify your eligibility. Accounts determined to be created by ineligible users will be suspended immediately, and any associated balance will be forfeited or returned in accordance with applicable law and our terms and conditions. If you are uncertain about your eligibility to access mutiara under your local jurisdiction's law, we strongly advise consulting qualified legal counsel before creating an account or depositing funds.
Local-law responsibility
You accept full legal responsibility for verifying that your access to and use of mutiara complies with the laws, regulations, and legal requirements applicable in your own jurisdiction. mutiara is available in multiple regions, but legal availability does not guarantee compliance with all users' local circumstances. Regulations governing online gaming, sports betting, live-dealer casinos, and related entertainment vary significantly across jurisdictions, and the legal status of mutiara may differ between regions or change without advance notice. Some jurisdictions may prohibit mutiara entirely, others may restrict certain game categories or payment methods, and others may permit access only through state-regulated operators. We cannot provide legal advice regarding the legal status of mutiara in any specific jurisdiction. We strongly recommend consulting a local legal advisor if you have any doubt about whether your jurisdiction permits participation on mutiara. By using mutiara, you acknowledge that you have independently verified local-law compliance and accept full legal responsibility for your access and activity on our platform. We accept no liability for legal consequences arising from unauthorized access from prohibited jurisdictions or violation of applicable local law.
Data and privacy scope
We at mutiara collect personal data during account registration, identity verification, and all transactions on our platform. Personal data includes your full legal name, date of birth, email address, phone number, government-issued ID number or passport details, residential address, and payment information. We process this data to verify your identity and eligibility under local law, facilitate deposits and withdrawals through DANA, OVO, GoPay, ShopeePay, LinkAja, QRIS, BCA, Mandiri, BRI, and BNI, prevent fraud and money laundering, comply with anti-money-laundering (AML) and know-your-customer (KYC) regulations applicable in jurisdictions where mutiara operates, and resolve customer disputes. Your data is encrypted in transit and at rest using industry-standard protocols. We may share personal data with licensed payment processors, fraud-prevention services, and regulatory authorities if legally required. We do not sell or rent personal data to third parties for marketing purposes. For complete information on how we collect, use, retain, and protect your personal information, please review our full privacy policy above. Users in jurisdictions with applicable data-protection rights may submit requests to access, correct, or delete their personal data by contacting our privacy team through the Help menu or emailing [email protected].
Contact for legal inquiries
If you have legal questions, compliance concerns, or wish to submit a formal legal inquiry regarding mutiara, contact our legal and compliance team via email at [email protected] or through the Help menu in the mutiara app or website. Written legal inquiries typically receive a response within five business days. For urgent matters including account suspension, data-protection requests, or regulatory inquiries, mark your email as urgent and provide detailed information. mutiara does not provide legal advice to users regarding the lawfulness of access or participation on our platform; all such determinations are your sole responsibility. Legal inquiries may be forwarded to external counsel if necessary to provide accurate responses. Users are not guaranteed confidentiality over legal correspondence; such communications may be disclosed to law enforcement or regulatory authorities if legally required. We reserve the right to decline service or close accounts of users submitting false, abusive, or vexatious legal inquiries. All legal correspondence with mutiara constitutes acknowledgment of our terms and conditions and compliance with applicable jurisdictional law. Response times may extend during holidays including Idul Fitri, Idul Adha, Imlek, and Nyepi when our legal team has reduced availability.