Terms and Conditions toko123 –
Clear Guide for Malaysian Players

These Terms and Conditions ("Terms") constitute a binding agreement between you ("Member" or "User") and toko123 ("Platform", "We"). By accessing, registering for, or using any part of the toko123 platform at toko123.fun, you hereby confirm that you have read, understood, and agree to be fully bound by all provisions contained in these Terms.

If you do not agree with any part of these Terms, you are not permitted to use the toko123 platform and must cease access immediately. Continued use of the platform after any changes to the terms constitutes acceptance of the updated terms.

To register and use the toko123 platform, you must meet all of the following eligibility criteria without exception:

• At least 18 years old on the date of registration
• An individual registering in your own name — not on behalf of someone else
• Is not currently subject to a gaming ban on any legitimate gaming platform
• Has never had an account closed at toko123 due to fraud or a prior breach of terms
• Have full legal capacity to enter into a binding agreement

Toko123 reserves the right to request identity verification documents at any time to confirm member eligibility. Failure to provide the requested documents within the specified timeframe may result in account suspension or closure.

Each individual is only permitted to hold one (1) active account at toko123 at any one time. Holding multiple accounts under the same individual — regardless of different names, email addresses, or phone numbers — is a serious violation and all related accounts will be closed with credit balances subject to forfeiture.

During registration, you are required to provide truthful, accurate, and current information, including:

• Full name as per identity card or passport
• Actual date of birth
• An active mobile number registered in your name
• A valid and active email address
• Bank or e-wallet information for financial transaction purposes

The Identity Verification (KYC) process is mandatory before you can make your first withdrawal. Required documents include a clear copy of your identity card or passport, and a bank statement or proof of e-wallet ownership.

Toko123 supports a wide range of popular deposit and withdrawal methods in Malaysia, including FPX, Touch 'n Go eWallet, DuitNow, Maybank2u, CIMB Clicks, and RHB Online. All financial transactions are processed through secure channels protected by 256-bit SSL encryption.

Deposits:

• Minimum deposit: RM 20 for most payment methods
• Deposits are credited to your account within 1–5 minutes after payment confirmation
• Toko123 does not charge any fees for deposits
• Deposits may only be made from payment methods registered in the member's name

Withdrawal:

• Minimum withdrawal: RM 30 for most methods
• Withdrawal requests are processed within 15 minutes to 2 hours on business days
• Withdrawals will be made to the same payment method used for the deposit
• KYC verification must be completed before your first withdrawal is approved

Toko123 offers a variety of bonuses and promotions from time to time to add value for our members. Each promotion has specific terms that must be followed — these conditions will be clearly stated on the relevant promotions page.

General principles that apply to all toko123 bonuses and promotions:

• Each bonus is subject to a wagering requirement (rollover) that must be met before winnings from the bonus can be withdrawn
• Wagering requirements are calculated based on the bonus amount awarded, not the deposit amount
• Bonuses may only be used for games specified in the relevant promotional terms
• Bonuses are non-transferable, cannot be converted directly to cash and cannot be used to fulfill wagering requirements of other bonuses
• Toko123 reserves the right to void bonuses and associated wins if there is evidence of abuse or fraud
• Each member is entitled to one welcome bonus only — any attempt to claim bonuses beyond the set limit through multiple accounts will result in all accounts being closed

For the latest information on all toko123 promotional offers, please visit the Promotions page.

All games available on the toko123 platform use Random Number Generator (RNG) technology that has been independently audited by internationally recognised certification bodies. This ensures that every game outcome is entirely random and cannot be manipulated by any party, including toko123 itself.

By using the toko123 gaming platform, you agree to:

• Play only for personal entertainment purposes and not for commercial or professional purposes
• Not using any automated software, bots, or unauthorised tools that could provide an unfair advantage
• Not colluding with other players to manipulate game outcomes
• Accept that toko123 system decisions are final for all games
• Report any technical errors found to the support team without exploiting them

In the event of a technical disruption during a gaming session, toko123 will endeavour to restore that session. In cases where restoration is not possible, any unresolved bets will be returned to the member's account balance.

You are fully responsible for maintaining the confidentiality of your password and login information for your toko123 account. toko123 will not be liable for any losses arising from your failure to secure your login information.

• Do not share your password or account information with anyone
• Use a strong and unique password for your toko123 account
• Enable two-factor authentication (2FA) for an additional layer of security
• Log out of your account when using shared devices
• Contact toko123 customer support immediately if you suspect suspicious activity on your account

The following are strictly prohibited and may result in account closure and legal action:

• Money laundering or using the platform for any illegal financial activity
• Using a payment method that does not belong to you or that has been stolen
• Using a VPN or proxy to conceal your actual location for the purpose of deceiving the platform
• Exploiting technical vulnerabilities or bugs found on the platform without reporting them to toko123
• Any form of collusion between players intended to manipulate game outcomes
• Multiple account ownership by the same individual
• Obtaining bonuses through dishonest means or violating promotional terms

You may close your toko123 account at any time by contacting our customer support team via live chat. Before closure is processed, any eligible credit balance will be returned to your original payment method after deducting any bonuses that have not met wagering requirements.

Toko123 reserves the right to close or suspend your account without prior notice in the following circumstances:

• Violation of any provision in these Terms
• Failed or incomplete identity verification
• Activities that raise suspicion of fraud or money laundering
• Self-requested closure through the self-exclusion program

For self-exclusion requests on responsible gaming grounds, toko123 offers exclusion options for 24 hours, 7 days, 30 days, or permanently. Visit the Responsible Gaming for more information.

Toko123 prioritises the protection of your personal data. All information you provide to us is collected, stored, and processed in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA) and toko123's comprehensive privacy policy.

Your information is used for the following purposes only:

• Identity verification and account management
• Secure processing of financial transactions
• Providing effective customer support
• Compliance with legal and regulatory requirements
• Sending promotional information (subject to your consent)

Your information will not be sold or shared with third parties without your consent, except when required by law. For complete information on how we manage your data, please read our Privacy Policy page.

The toko123 platform is provided on an "as is" basis. While we always strive to keep the platform running without interruption, toko123 does not guarantee that the platform will be entirely free from technical errors, disruptions, or downtime arising from factors beyond our control.

Toko123 is not liable for:

• Any financial losses arising from game outcomes, including losses from betting
• Service interruptions caused by external factors such as internet issues or third-party failures
• Indirect, consequential or special damages arising from use of the platform
• Actions or omissions by third parties providing services related to the toko123 platform

Toko123 reserves the right to modify, add, or remove any part of these Terms at any time. Amendments take effect immediately upon being published on the toko123 website. It is your responsibility to review these Terms periodically to ensure you are always aware of the latest applicable conditions.

For material changes that significantly affect member rights, toko123 will endeavour to provide advance notice via email or in-platform notification at least 7 days before the changes take effect.