Terms & Conditions

2 Definitions

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

3 Acceptance of Terms

Your use of the Platform constitutes your full and unconditional acceptance of these Terms, together with our Privacy Policy and Responsible Gambling Policy, which are incorporated herein by reference.

Acceptance is deemed to occur when you:

• Complete the registration process by submitting an account application;
• Make a deposit into your fultoto Account;
• Participate in any game, contest, or promotional offer on the Platform; or
• Access or browse the Platform in any manner beyond informational review.

The Company reserves the right to update or amend these Terms at any time. Continued use of the Platform following the publication of revised Terms constitutes acceptance of those changes. Users are encouraged to review this page periodically.

4 Account Eligibility

To be eligible to register and maintain an Account on the Platform, a User must:

• Be at least 21 years of age at the time of registration;
• Be a natural person with the legal capacity to enter into binding contracts under applicable law;
• Not be a resident or citizen of any Restricted Territory;
• Not be a current or former employee, officer, director, or immediate family member of the Company, its affiliates, or any contracted game studio or payment processor;
• Not hold any other active Account on the Platform (one Account per person is strictly enforced);
• Provide accurate, complete, and truthful registration information; and
• Not have previously had an Account closed or suspended by the Company for violations of these Terms.

The Company reserves the right to request documentary proof of eligibility at any time, including during the KYC verification process. Failure to provide adequate documentation within a reasonable timeframe may result in Account suspension or closure.

5 Account Registration & Security

5.1 Registration Requirements

Users must provide their full legal name, date of birth, residential address (including Malaysian state), valid email address, and a contact telephone number during registration. All information must be accurate and kept up to date. The Company may verify the information provided against independent third-party databases.

5.2 KYC Verification

Prior to the processing of any withdrawal, Users are required to complete Know Your Customer (KYC) verification. This process typically requires submission of: (a) a valid government-issued photo identification document (Malaysian MyKad, Passport, or Driver's Licence); (b) proof of residential address dated within three months (e.g., Tenaga Nasional bill, Syabas water bill, or bank statement from Maybank, CIMB, Public Bank, RHB, or Hong Leong); and (c) a selfie image holding the submitted identification document. Verification is typically completed within 24–48 business hours.

5.3 Account Security

Users are solely responsible for maintaining the confidentiality of their login credentials. The Company strongly recommends enabling two-factor authentication. Any unauthorised access or suspected breach of Account security must be reported to the Company immediately via the 24/7 live chat support channel. The Company shall not be liable for losses arising from unauthorised access resulting from a User's failure to safeguard their credentials.

6 Deposits & Withdrawals

6.1 Accepted Payment Methods

The Platform accepts deposits and processes withdrawals via the following payment channels: Touch 'n Go eWallet, Boost, GrabPay, DuitNow, FPX (supporting Maybank, CIMB, Public Bank, RHB, Hong Leong, and other participating banks), direct bank transfer, USDT TRC20, and Bitcoin (BTC). The availability of specific payment methods may vary and is subject to change without prior notice.

6.2 Transaction Limits

Minimum deposit and withdrawal amounts apply and vary by payment method. As a general guide:

• E-Wallets (Touch 'n Go, Boost, GrabPay): Minimum deposit RM30 — Maximum RM50,000 per transaction;
• FPX / DuitNow: Minimum deposit RM50 — Maximum RM500,000 per transaction;
• Cryptocurrency: Minimum equivalent to approximately USD 50 — subject to prevailing exchange rates.

6.3 Withdrawal Processing

All withdrawals are processed to the same payment method used for the original deposit, unless alternative arrangements have been approved in writing by the Company's finance department. Withdrawals requested via e-wallet are typically processed within 5 minutes of approval. Bank transfer withdrawals via DuitNow or FPX are typically processed within 5–15 minutes during standard Malaysian banking hours. The Company targets processing of all standard withdrawal requests within 60 minutes of submission; however, requests subject to additional security review may take longer.

6.4 Currency

All Account balances are held in Malaysian Ringgit (MYR). Cryptocurrency deposits are converted to MYR at the prevailing market rate at the time of deposit confirmation. The Company does not guarantee any specific exchange rate and accepts no liability for exchange-rate fluctuations.

7 Bonus & Promotions

7.1 General Bonus Conditions

All bonuses, promotions, free spins, and loyalty rewards offered by fultoto are subject to the specific terms published at the time of the offer. In the event of any conflict between a promotion-specific term and these general Terms, the promotion-specific term shall prevail only with respect to that specific promotion.

7.2 Wagering Requirements

Bonus funds are not withdrawable until the applicable wagering requirement has been met in full. Wagering requirements for welcome bonuses range from 10x to 35x the bonus amount, as specified at the time of offer. For example, a RM100 bonus with a 35x wagering requirement requires total wagers of RM3,500 before the bonus converts to withdrawable real-money funds.

7.3 Bonus Validity

Unless otherwise specified, bonuses must be used within 30 calendar days of issuance. Unused bonus funds expire automatically upon conclusion of the validity period and are forfeited without compensation.

7.4 Bonus Abuse

The Company reserves the right to withhold, forfeit, or reclaim any bonus or associated winnings where it determines, in its sole discretion, that a User has engaged in bonus abuse. This includes, but is not limited to: claiming multiple bonuses using duplicate accounts; systematic low-risk betting strategies designed solely to complete wagering requirements; and collusion with other users to exploit promotional structures.

7.5 Eligibility for Promotions

The Company reserves the right to exclude any User from any promotion at its sole discretion. Promotions are valid for eligible accounts only and may be subject to geographic, payment-method, or game-category restrictions. Players under 21 years of age are strictly excluded from all promotions.

8 Gameplay Rules

All games available on the fultoto Platform are subject to the rules published within each individual game interface. Game outcomes are determined by independently certified random number generator (RNG) technology or, in the case of live dealer games, by the actions of a live human dealer conducted under real-time studio conditions. The Company does not manipulate, influence, or interfere with any game outcome.

• Bets placed and accepted are final. The Company is not responsible for errors in stake entry made by the User.
• In the event of a technical failure during a game round, bets are resolved in accordance with the rules of the applicable game provider. If resolution is not determinable, the Company may void the round and return stakes at its discretion.
• For sports betting markets, all bets are subject to the specific rules of the relevant sport and market. The Company's trading team retains the right to void markets that are determined to have been offered in error or where irregular activity is suspected.
• Published Return-to-Player (RTP) percentages are theoretical long-term values and do not guarantee specific returns for any individual session.

9 Prohibited Conduct

Users are expressly prohibited from engaging in any of the following activities on or in connection with the Platform:

• Registering more than one Account, whether personally or through a third party;
• Using automated software, bots, scripts, or artificial intelligence tools to place bets or interact with the Platform;
• Colluding with other Users or third parties to gain an unfair advantage;
• Engaging in money laundering, fraud, or any activity that contravenes applicable anti-money laundering legislation;
• Attempting to reverse-engineer, hack, or otherwise tamper with the Platform's code, databases, or security systems;
• Using stolen, fraudulently obtained, or unauthorised payment instruments to fund an Account;
• Providing false or misleading information during registration or KYC verification;
• Attempting to exploit software bugs or errors to gain a monetary advantage (any such winnings are void and subject to forfeiture); and
• Accessing the Platform from a Restricted Territory using a VPN or other circumvention technology.

Violation of any prohibition listed above may result in immediate Account suspension or permanent closure, forfeiture of all balances and pending withdrawals, and referral to relevant law enforcement authorities where applicable.

10 Responsible Gambling

Fultoto is committed to promoting responsible gambling and providing tools that enable Players to stay in control of their activity. The Platform is intended for entertainment purposes only. It is not a means of generating income, and gambling should never be treated as such.

All registered Users have access to the following responsible gambling tools free of charge:

• Deposit Limits: Daily, weekly, or monthly caps on the total amount that may be deposited into the Account;
• Loss Limits: Caps on the total amount that may be lost within a defined period;
• Session Time Limits: Alerts and enforced session breaks after a specified duration of play;
• Cool-Off Periods: Temporary suspensions of between 24 hours and 6 weeks upon User request; and
• Self-Exclusion: A permanent or minimum six-month exclusion from the Platform upon User request, processed within 24 hours of submission.

Users who believe they may have a gambling problem are encouraged to visit our dedicated Responsible Gambling page and to seek support from appropriate organisations. For Malaysian users, tools and resources are available. Please visit our Responsible Gambling page for further information and support resources.

11 Intellectual Property

All intellectual property rights in the Platform — including but not limited to software, source code, game content, graphics, logos, trade names, trademarks, design elements, and databases — are the exclusive property of the Company or its licensors. Nothing in these Terms transfers any intellectual property rights to the User.

Users are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for their personal, non-commercial entertainment purposes in accordance with these Terms. This licence does not permit Users to copy, reproduce, modify, distribute, or create derivative works of any Platform content without the Company's prior written consent.

12 Limitation of Liability

To the maximum extent permitted by applicable law, the Company shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or in connection with the User's use of, or inability to use, the Platform, including loss of profits, loss of data, or interruption of business.

The Company does not warrant that:

• The Platform will be available continuously, error-free, or free from interruption;
• Results obtained from use of the Platform will meet the User's expectations; or
• Any software used in connection with the Platform is free from viruses, bugs, or other harmful components.

Nothing in these Terms excludes liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot be excluded or limited under applicable Malaysian law.

13 Account Termination

13.1 Voluntary Closure

A User may close their Account at any time by contacting the 24/7 live chat support team. Upon voluntary closure, any available balance (excluding bonus funds not yet meeting wagering requirements) will be returned to the User's verified payment method within 5–10 business days.

13.2 Company-Initiated Closure

The Company reserves the right to suspend or permanently close any Account, with or without prior notice, where it determines that the User has: breached these Terms; engaged in fraudulent, illegal, or abusive conduct; or poses a risk to the integrity of the Platform or the safety of other users. In such cases, the Company may withhold any outstanding balance pending investigation.

14 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with applicable laws. Any dispute arising out of or in connection with these Terms or the use of the Platform shall first be submitted to the Company's customer support team for informal resolution. The Company will endeavour to resolve any complaint within 10 business days of receipt.

If a dispute cannot be resolved informally, the parties agree to pursue resolution through the applicable legal channels. Users retain all statutory rights available to them under Malaysian consumer protection legislation. Nothing in these Terms restricts a User's right to bring a claim before a competent court of jurisdiction.

15 Amendments to These Terms

The Company reserves the right to amend, update, or replace these Terms at any time. Material changes will be communicated to registered Users by email or via an in-Platform notification at least seven (7) calendar days before the changes take effect, unless a shorter notice period is required by applicable law or regulatory directive.

Users who do not agree with any amended Terms must cease using the Platform and may close their Account in accordance with Section 13.1 before the amended Terms come into force. Continued use of the Platform following the effective date of any amendment constitutes full acceptance of the revised Terms.

The current version of these Terms, including the effective date, is always available on this page. Users are encouraged to bookmark this page and review it periodically.

16 Contact Us

If you have any questions, concerns, or complaints regarding these Terms and Conditions, the Platform, or your Account, please contact our support team through any of the following channels:

• Live Chat: Available 24/7 directly on the fultoto Platform — the fastest way to reach us.
• Email Support: [email protected] (plain text — not a clickable link; please copy this address into your email client).
• FAQ: Many common questions are answered on our FAQ page.

Our support team serves players across Malaysia including Kuala Lumpur, Petaling Jaya, Shah Alam, Penang, Johor Bahru, and other regions. We aim to respond to all email enquiries within one (1) business day.