Terms & Conditions Toto 99 — Complete Platform Usage Guide

1Introduction & Acceptance of Terms

Toto 99 is an online gaming platform offering a range of services including Live Casino, slots, Blackjack, roulette, Sports Betting, and live matches to users in Malaysia. The platform is operated and managed by the company responsible for the Toto 99 brand.

These Terms & Conditions constitute a legally binding agreement between you as the user and Toto 99 as the service provider. By registering an account, making a deposit, playing any games, or using any feature on the Toto 99 platform, you confirm that you have read, understood, and agreed to be bound by these Terms & Conditions in their entirety.

These Terms & Conditions should be read together with Toto 99's Privacy Policy and Responsible Gaming Policy, both of which form part of the overall agreement between you and Toto 99.

2User Eligibility

To register and use the Toto 99 platform, you must meet all of the following eligibility requirements without exception:

• Aged at least 18 years old on the date of registration.
• Residing in or accessing the platform from Malaysia.
• Has never been designated as a person prohibited from gambling by any relevant authority.
• Not currently bankrupt or subject to any active bankruptcy proceedings.
• Legally capable of making binding decisions on your own behalf.
• Not registering as an agent or third party on behalf of another individual.

3Registration & Account Management

Each user is only permitted to register and maintain one active account on the Toto 99 platform. Multiple account registrations by the same individual — whether using different names, phone numbers, email addresses, IC numbers, or payment methods — are strictly prohibited.

During the registration process, you are required to provide accurate, complete, and up-to-date information, including:

• Full name as stated on your official Malaysian identification document.
• An active mobile number registered in your name.
• A valid and active email address.
• National identification number (MyKad) or valid passport number.
• Your accurate date of birth.

Toto 99 reserves the right to request a KYC (Know Your Customer) review at any time, particularly before processing withdrawals above certain limits. Failure to provide the requested verification documents within the stipulated timeframe may result in a temporary suspension of your account.

You are fully responsible for keeping your account information up to date. Any changes to personal details such as your phone number or email address must be updated via account settings or by contacting the Toto 99 support team.

4Deposits & Payment Methods

Toto 99 accepts deposits via a range of secure and trusted local Malaysian payment methods. All transactions are conducted in Malaysian Ringgit (RM) and processed through fully encrypted payment channels.

Toto 99 accepts the following deposit methods:

• Touch 'n Go eWallet
• GrabPay
• Boost eWallet
• ShopeePay
• DuitNow (instant interbank transfer)
• FPX — Maybank2u, CIMB Clicks, Hong Leong Connect, and other major Malaysian banks

Toto 99 does not accept third-party deposits. Funds deposited into your Toto 99 account must come from a legitimate source and must be your own money. Any attempt to deposit funds through a third party may result in account suspension, with funds returned or forfeited depending on the outcome of the investigation.

Toto 99 reserves the right to reject or reverse any deposit suspected of originating from fraudulent activity or in violation of the platform's terms of use. In such cases, Toto 99 will notify the relevant user within a reasonable timeframe.

5Withdrawals

Users may submit a withdrawal request at any time, subject to the following conditions:

• The account has completed the required identity verification (KYC) process.
• No active bonuses with unfulfilled rollover requirements.
• Account is not currently under suspension or investigation.
• The minimum withdrawal amount is RM30 per request.

Withdrawals to e-wallets (Touch 'n Go, GrabPay, Boost, ShopeePay) are typically processed within 5 to 15 minutes after the request is approved. Withdrawals to bank accounts via DuitNow or standard bank transfer typically take 30 to 60 minutes during normal operating hours.

Toto 99 reserves the right to request additional verification before approving withdrawals exceeding RM5,000 per day. This is a standard security measure in place to protect all our users from fraudulent activity and money laundering.

In exceptional circumstances such as payment system disruptions or security investigation requirements, withdrawal processing times may take longer than usual. Toto 99 will notify the relevant user of any unexpected delays.

6Bonuses, Promotions & Loyalty Programme

Toto 99 offers a range of bonuses and promotions to both new and existing members. All bonuses are subject to the specific terms and conditions stated for each promotion. The general conditions applicable to all Toto 99 bonuses are as follows:

• Each user is eligible to receive the Welcome Bonus once only, for a new and valid account.
• Bonuses must be wagered in accordance with the stipulated rollover requirements before any withdrawal is permitted. Rollover requirements vary by bonus type — typically between 5x and 20x the bonus amount received.
• The validity period for each bonus is typically between 7 and 30 days from the date of credit. Bonuses not used within the validity period will be automatically forfeited.
• Toto 99 reserves the right to withdraw any bonus awarded as a result of a technical error or miscommunication.
• Bonus abuse — including but not limited to using multiple accounts to claim bonuses, or employing betting strategies designed to minimise risk while meeting rollover requirements — may result in the cancellation of the relevant bonuses and any associated winnings.
• Cashback promotions are calculated based on net losses within the specified period and credited automatically according to the schedule stated in the relevant promotion's terms.

7Game Rules

All games available on the Toto 99 platform — including Live Casino, blackjack, roulette, baccarat, slots, and Sports Betting — are governed by established international standard rules. Users are responsible for understanding the rules of each game before playing.

For Live Casino and table games, results determined by the dealer or system are final and cannot be disputed unless there is clear evidence of a technical failure that has been properly documented. Any dispute regarding game outcomes must be reported to the support team within 24 hours of the incident.

For Sports Betting covering the Malaysia Super League, EPL, Champions League, badminton, and esports, the following terms apply:

• All odds are subject to change until a bet is confirmed by the system.
• Confirmed bets cannot be cancelled by the user.
• In the event of a match cancellation or an undeterminable outcome, the relevant bet will be refunded to the user's account.
• Toto 99 reserves the right to void or revise any bets placed on incorrect odds resulting from a technical error.

All RNG (Random Number Generator) games on Toto 99 use technology that has been tested and certified by independent auditing bodies to ensure genuine fairness and randomness in every game round.

8Prohibited & Restricted Activities

The following activities are strictly prohibited on the Toto 99 platform and may result in immediate account termination and legal action where necessary:

• Registering more than one account or using another person's identity.
• Using automation software, bots, scripts, or any technical tools to gain an unfair advantage in games.
• Money laundering — using the Toto 99 platform to process funds derived from illegal activities.
• Payment fraud — including initiating chargebacks after receiving services, or using stolen credit cards or payment methods.
• Attempting to hack, disrupt, or compromise the operations of the Toto 99 platform or the data security of other users.
• Sharing login credentials or selling account access to another party.
• Systematically abusing the bonus system for illegitimate gain.
• Any form of collusion or conspiracy between players to manipulate the outcome of table games.

9Privacy & Data Protection

Toto 99 respects the privacy of every user and is committed to protecting your personal data in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA). All personal data collected during registration and platform use is used solely for legitimate purposes related to the provision of Toto 99's services.

Toto 99 will not sell, rent, or share users' personal data with third parties for marketing purposes without user consent. Data may be shared with approved payment service providers, relevant regulatory authorities, or law enforcement bodies when required by law.

For full details on how Toto 99 collects, uses, and protects your data, please refer to Privacy Policy which forms part of this overall agreement.

10Limitation of Liability

Toto 99 provides its platform and services on an "as is" and "as available" basis. While we strive to ensure the platform runs smoothly at all times, Toto 99 does not guarantee that services will be available without interruption, errors, or delays at all times.

Toto 99 is not liable for any indirect, incidental, special, or consequential losses arising from use of the platform, including but not limited to:

• Losses caused by unavoidable technical disruptions or system downtime.
• Losses resulting from unauthorised access to your account due to your own negligence in safeguarding your login credentials.
• Losses resulting from betting or game outcomes that did not go in your favour.
• Losses caused by internet connectivity issues on your end during an active gaming session.

Toto 99's maximum liability to any user under any circumstances is limited to the total amount deposited by that user in the 30 days preceding the relevant claim.

11Changes to Terms & Conditions

Toto 99 reserves the right to amend, update, or revise these Terms & Conditions at any time without prior notice to users. However, Toto 99 will endeavour to notify users of material changes via registered email, in-platform notifications, or announcements on the website.

Changes to the Terms & Conditions take effect immediately upon being published on the Toto 99 website. The "Last Updated" date at the top of this document will be revised to reflect the most recent changes. Your continued use of the Toto 99 platform after any changes are published constitutes your acceptance of the updated terms.

12Contact Us

If you have any questions, concerns, or complaints regarding these Terms & Conditions or your use of the Toto 99 platform, our team is available at any time through the following channels:

• Live Chat: Available 24 hours a day, 7 days a week, directly on the Toto 99 platform.
• Email: support@toto99.my — response within 24 hours.
• WhatsApp: Contact our support team via Toto 99's official WhatsApp number.

All communications with the Toto 99 support team are conducted in Malay and English. Our team understands the specific context and needs of Malaysian users and is ready to help you resolve any issue quickly and efficiently.

For any formal complaint, Toto 99 is committed to providing an initial response within 48 hours and resolving the case within a reasonable timeframe depending on the complexity of the reported issue.