Terms & Conditions — tot12

1 Definitions

For the purposes of these Terms, the following definitions apply:

2 Acceptance of Terms

By accessing tot12, registering an account, depositing funds, or placing a bet, you confirm that you have read and agree to be bound by these Terms, as well as our Privacy Policy and Responsible Gaming Policy, which are incorporated into these Terms by reference.

These Terms apply to all visitors, registered Members, and any other persons who access or use tot12 in any capacity. If you access tot12 on behalf of a third party, you represent that you are authorized to bind that party to these Terms.

3 Eligibility

To open and maintain an account on tot12, you must satisfy all of the following conditions:

• You are an individual natural person (corporate accounts are not permitted).
• You are at least 21 years of age at the time of registration.
• You are located in Indonesia or are otherwise accessing the Platform from a territory where such access is not prohibited by local law.
• You are not a citizen or resident of any jurisdiction that has been designated a Prohibited Territory by tot12.
• You are acting on your own behalf and not as an agent, nominee, or proxy for any other person.
• You have not previously had an account on tot12 that was suspended or permanently closed due to a violation of these Terms.
• You are not an employee, director, officer, contractor, or close family member of any employee of tot12 or any of its affiliated entities.

4 Account Registration

Each Member is permitted to hold one (1) account only on tot12. Opening multiple accounts ("multi-accounting") for any reason — including circumventing bonus restrictions, avoiding account restrictions, or any other purpose — is strictly prohibited and will result in immediate account termination and forfeiture of all balances.

4.1 Registration Information

When registering, you must provide accurate, complete, and current information including your full legal name as it appears on your government-issued identification, a valid email address, your date of birth, and your preferred currency (IDR). You are responsible for keeping this information current.

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your username and password. tot12 will never ask for your password via email, live chat, or telephone. Any activity conducted through your account — whether authorized by you or not — is your responsibility. You must notify tot12 immediately at [email protected] if you suspect unauthorized access to your account.

4.3 One Account Per Household

tot12 allows only one verified account per household (per shared IP address or shared payment method). If multiple household members wish to maintain accounts, each must be separately verified with their own personal documentation and must contact support in advance.

5 Identity Verification (KYC)

tot12 is required to verify the identity of all Members as a condition of operating the Platform. KYC verification is mandatory before a Member may process withdrawals, and may be required at any time at tot12's discretion.

5.1 Required Documents

• Proof of Identity: A clear photograph of your KTP (Kartu Tanda Penduduk — Indonesian National ID) or a valid passport.
• Proof of Address: A recent utility bill, bank statement, or other government-issued document showing your full name and residential address, dated within the last three months.
• Selfie Verification: A live selfie photograph of you holding your identity document next to your face.
• Payment Method Verification: If requested, evidence that the payment method used to fund your account belongs to you (e.g., a screenshot of your BCA or BRI banking portal showing your name and account number).

5.2 Processing Time

Standard KYC review is completed within 1 to 24 hours of document submission. During periods of high volume, reviews may take up to 48 hours. tot12 will notify you by email once your verification is complete. Until verification is complete, withdrawal functionality may be restricted.

tot12 reserves the right to request additional documentation at any stage of the account lifecycle. Failure to provide requested documents within 14 calendar days may result in account suspension.

6 Deposits

All deposits to tot12 are processed in Indonesian Rupiah (IDR / Rp). tot12 does not charge a platform fee on standard deposits; however, your bank or e-wallet provider may apply their own transaction fees.

6.1 Accepted Deposit Methods

tot12 currently accepts deposits via the following channels: bank transfer (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon) and e-wallets (OVO, DANA, GoPay, ShopeePay, LinkAja).

6.2 Minimum and Maximum Deposits

The minimum deposit via bank transfer is Rp 50.000. The minimum deposit via e-wallet is Rp 25.000. Maximum deposit limits vary by payment method and VIP tier. Members may view their current limits in the account dashboard.

6.3 Deposit Processing

Bank transfer deposits typically credit within 15 minutes to 1 hour. E-wallet deposits are generally instant. tot12 is not responsible for delays caused by third-party banking systems or network outages beyond our control.

7 Withdrawals

Withdrawal requests are processed by tot12's finance team during operational hours (08.00 – 22.00 WIB, seven days a week). tot12 does not guarantee instant or same-day withdrawals and does not accept liability for delays caused by banking system downtime.

7.1 Withdrawal Requirements

• Your account must be fully KYC-verified before any withdrawal can be processed.
• All Bonus Funds wagering requirements must be met before bonus-derived winnings can be withdrawn.
• Withdrawals must be directed to a payment account registered in the same name as your tot12 account.
• The minimum withdrawal amount is Rp 100.000.

7.2 Processing Time

Standard processing time is 15 minutes to 24 hours from the time the request is approved by our finance team. During Indonesian public holidays (e.g., Idul Fitri, Idul Adha, Indonesian Independence Day on 17 August), processing may be extended to 48 hours. tot12 will notify you by email once your withdrawal has been dispatched.

7.3 Withdrawal Refusal

tot12 reserves the right to refuse or delay a withdrawal if: (a) the member has not completed KYC; (b) we have reasonable grounds to suspect fraudulent activity; (c) the account is under investigation; or (d) the withdrawal would violate any applicable law or regulation. In such cases, tot12 will communicate the reason to the Member within a reasonable timeframe.

8 Bonuses & Promotions

tot12 offers various bonuses and promotional incentives to new and existing members. All bonuses are subject to the specific terms stated at the time of the promotion, in addition to the general conditions set out in this clause.

8.1 General Bonus Conditions

• Bonus offers are valid for one use per Member, per household, and per payment method unless otherwise stated.
• Bonuses are credited in Rupiah (Rp) and are non-transferable.
• Wagering requirements must be completed within the stated validity period. Any unused Bonus Funds or unmet turnover requirements expire automatically at the end of the validity window.
• tot12 reserves the right to modify, suspend, or withdraw any bonus offer at any time with notice provided on the Platform.

8.2 Wagering Requirements

Unless specifically stated otherwise, bonus-derived winnings are subject to a wagering requirement before withdrawal. The applicable turnover multiplier is stated on each promotion's individual terms page. Bets placed on games with an RTP above the platform's stated threshold, or bets placed at odds below the stated minimum, may not contribute toward the wagering requirement.

8.3 Bonus Abuse

tot12 actively monitors for bonus abuse patterns including, but not limited to: multi-accounting to claim bonuses multiple times, coordinated wagering strategies designed to exploit bonus terms, and the use of automated software. Any Member found to have engaged in bonus abuse will have their bonus forfeited, any winnings derived from the bonus voided, and their account permanently suspended.

9 Betting & Gaming Rules

All bets placed on tot12 — whether on sports markets (including BRI Liga 1, EPL, La Liga, Champions League, and international tournaments such as Piala AFF and the FIFA World Cup), live casino tables, slot games, togel (Indonesia's traditional numbers lottery), or any other product — are subject to the following general rules.

• All bets are final once confirmed. tot12 does not accept bet cancellations after confirmation unless a technical error resulted in an incorrect market or odds being displayed.
• tot12 reserves the right to void any bet placed in error at manifestly incorrect odds (palpable error). In such cases, the stake will be returned to the Member's wallet balance.
• In the event of a technical malfunction during a game session, bets may be voided and stakes returned at tot12's discretion.
• Mix parlay (multi-leg accumulator) bets require all legs to be settled; a void leg reduces the accumulator accordingly per the specific accumulator rules published on the sportsbook.
• Live in-play betting markets may be suspended at any time during an event. Any bets placed after the designated market-suspension point may be voided.

10 Responsible Gaming

tot12 is committed to promoting responsible gaming practices. All Members have access to the following tools through their account dashboard:

• Deposit Limits: Set daily, weekly, or monthly limits on the amount you can deposit.
• Session Time Alerts: Receive notifications when you have been playing for a continuous period.
• Self-Exclusion: Request a voluntary exclusion period of 30 days, 90 days, 180 days, or permanent self-exclusion from the Platform.
• Reality Checks: Enable periodic pop-up reminders of how long you have been playing and your net session result.

For full information on these tools and guidance on recognizing problem gambling, please visit our Responsible Gaming page. If you are concerned about your gambling behavior, you may also contact our support team directly at [email protected].

11 Prohibited Conduct

The following conduct is strictly prohibited on tot12:

• Using automated software, bots, scrapers, or any non-human means to interact with the Platform.
• Colluding with other players to manipulate game or bet outcomes.
• Money laundering or using the Platform to process funds derived from illegal activity.
• Providing false or misleading identity information during registration or KYC.
• Exploiting software bugs or vulnerabilities for financial gain; any such winnings will be voided and the Member's account suspended.
• Accessing the Platform from a Prohibited Territory through the use of VPNs, proxies, or any other method of circumventing geo-restrictions.
• Any conduct that tot12 reasonably determines to be harmful to the integrity of the Platform or its other Members.

12 Intellectual Property

All content on tot12 — including but not limited to text, graphics, logos, game interfaces, software, and data — is the intellectual property of tot12 or its licensors and is protected by applicable intellectual property laws. Members are granted a limited, non-exclusive, non-transferable license to access and use the Platform for personal, non-commercial purposes only. No content may be reproduced, distributed, or commercially exploited without prior written consent from tot12.

13 Privacy & Data

tot12 collects, processes, and stores personal data in accordance with our Privacy Policy, which is incorporated into these Terms by reference. By registering an account, you consent to the collection and processing of your personal data as described therein. Data collected includes, but is not limited to, registration information, transaction history, KYC documents, and platform usage data.

tot12 does not sell personal data to third parties. Data sharing is limited to the purposes described in the Privacy Policy, including compliance with legal obligations, fraud prevention, and service delivery by approved third-party processors.

14 Suspension & Termination

tot12 reserves the right to suspend, restrict, or permanently close any Member's account at any time, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms.
• Failure to complete KYC verification within the specified timeframe.
• Suspicion of fraudulent activity, money laundering, or collusion.
• Use of the Platform in a manner that tot12 determines to be harmful to its operations or other Members.
• Legal or regulatory obligation to do so.

Where an account is terminated for breach of these Terms, any wallet balance net of fraudulent deposits or bonus funds may be returned at tot12's discretion following investigation. Members may request account closure voluntarily at any time by contacting [email protected].

15 Limitation of Liability

To the maximum extent permitted by applicable law, tot12 and its officers, directors, employees, contractors, and agents shall not be liable for:

• Any indirect, incidental, consequential, or punitive losses or damages arising from your use of the Platform.
• Loss of profits, loss of data, or loss of opportunity, whether or not tot12 was advised of the possibility of such loss.
• Service interruptions, technical failures, or system downtime beyond tot12's reasonable control.
• Actions or omissions of third-party payment processors, game studios, or network providers.

tot12's total aggregate liability to any Member in respect of any claim arising from these Terms or the use of the Platform shall not exceed the total value of deposits made by that Member to tot12 in the twelve (12) months immediately preceding the claim.

16 Indemnification

You agree to indemnify, defend, and hold harmless tot12, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Platform; (b) your breach of these Terms; (c) your violation of any applicable law or regulation; or (d) any misrepresentation made by you in connection with your account or any transaction.

17 Amendments

tot12 reserves the right to amend these Terms at any time. Where a material change is made, tot12 will provide notice via email to the registered address on your account or via a prominent notice on the Platform, with a minimum of seven (7) calendar days' notice before the changes take effect. Your continued use of the Platform after the effective date of any amendment constitutes acceptance of the revised Terms. If you do not accept the revised Terms, you must cease using the Platform and may request account closure.

18 Governing Law

These Terms shall be governed by and construed in accordance with the internationally recognized principles of online gaming regulation as applied by the licensing authority under which tot12 operates. Any dispute arising under or in connection with these Terms that cannot be resolved through our internal complaints procedure (see Clause 19) shall be referred to arbitration under the rules of an internationally recognized arbitration body, with proceedings conducted in English.

Nothing in this clause limits the statutory rights of Indonesian consumers under applicable Indonesian consumer protection legislation. tot12 does not waive compliance with applicable local law where such law is mandatory and non-derogable.

19 Contact Information

For any questions, complaints, or disputes relating to these Terms or the operation of tot12, please contact our support team through the following channel:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 via the live chat widget on the Platform
• Response Time: Email queries are typically answered within 24 hours; live chat responses within 3–8 minutes

Complaints submitted via email should include your registered account email address, a clear description of the issue, and any relevant transaction reference numbers. tot12 will acknowledge receipt of a formal complaint within 48 hours and aim to provide a full resolution within 14 calendar days.