Responsible Gambling

How to Set a Safer Gambling Budget

Start with monthly income after essential commitments. Subtract rent or mortgage payments, food, transport, utilities, healthcare, insurance, debt repayments, family support, and savings. Only a small part of the remaining disposable amount should be considered for entertainment.

A budget is a maximum, not a target. If you set aside RM100 for a month, there is no obligation to spend the full RM100. Never increase the amount because a promotion appears attractive or because a weekend EPL match offers a preferred market. Bonus credit still involves wagering risk and may be subject to conditions.

1. Choose a fixed entertainment amount that you can afford to lose completely.
2. Set a deposit limit before placing the first wager.
3. Decide how long each session may last and use an alarm.
4. Do not redeposit after reaching the agreed limit.
5. Review transaction history regularly instead of relying on memory.
6. Take scheduled gambling-free days every week.

Cooling-Off and Self-Exclusion

A cooling-off period is suitable when a player needs immediate space to reassess their behaviour. During the selected restriction, access to relevant harta11 gambling services may be limited. The player should also disable promotional notifications, remove saved payment details where practical, and avoid other gambling platforms.

Self-exclusion is a stronger responsible gambling measure intended for players who are experiencing harm or have lost control. A self-exclusion request may be made through harta11 support. Include the account username and clearly state that self-exclusion is required, but never disclose a password, PIN, or one-time security code.

Players must not attempt to bypass self-exclusion by creating another account, changing contact details, using another person’s identity, or accessing harta11 through someone else. harta11 may retain limited exclusion records to identify and prevent circumvention, as explained in the Privacy Policy.

Self-exclusion works best as part of a wider plan. Consider asking banks or eWallet providers about transaction controls, speaking with a counsellor, handing financial management to a trusted person temporarily, and using blocking software on personal devices.

Protecting Young People

harta11 is strictly intended for eligible players aged 21 and above. Anyone under 21 must not register, deposit, use another person’s account, or participate in casino-style gambling through harta11.

Parents and guardians should keep usernames, passwords, banking details, DuitNow access, FPX credentials, and eWallet authentication codes private. Shared devices should use separate profiles, screen locks, and parental controls. Never leave an active gambling session unattended.

If you believe a person under 21 has accessed harta11, contact support immediately. Account access may be restricted while identity and age information are reviewed under the Terms & Conditions.

Questions to Ask Yourself

Consider the past three months and answer these questions honestly:

• Have I spent more money or time gambling than I planned?
• Have I chased a loss with a larger wager?
• Have I felt guilty or hidden my gambling from someone close to me?
• Has gambling affected sleep, work, studies, or relationships?
• Have I borrowed money or delayed an essential payment?
• Do I become irritable when I cannot gamble?

Several “yes” answers may indicate increased risk. Stop playing, request account controls or self-exclusion, and speak with an independent support service. This checklist is educational and is not a medical diagnosis.

Supporting Someone Else

Approach the person calmly and describe specific behaviour rather than making accusations. Explain how gambling is affecting finances or relationships, listen without judgment, and encourage professional help.

Do not lend money to cover gambling losses or take responsibility for placing bets. Where appropriate, protect shared finances, review joint accounts, and obtain independent financial or counselling support.

A family member cannot always control another adult’s choices, but they can set boundaries and seek support for themselves. Immediate threats of self-harm or danger require urgent contact with local emergency services.