Terms & Conditions

1. Definitions

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

• "Platform" or "Website" refers to the top123 gaming platform accessible at https://top123.cam and all associated mobile applications.
• "Service" or "Services" refers to all gaming, betting, and related services provided by top123.
• "User," "You," or "Player" refers to any individual who creates an account, accesses, or uses the top123 platform.
• "Account" refers to the personal gaming account registered by a user on the top123 platform.
• "Deposit" refers to the transfer of funds from your payment method to your top123 account balance.
• "Withdrawal" refers to the transfer of funds from your top123 account balance to your designated payment method.
• "Bonus" refers to promotional credits, free spins, cashback, or other promotional offers provided by top123.
• "Wagering Requirement" refers to the amount of money that must be bet before bonus funds can be withdrawn.
• "RTP" (Return to Player) refers to the percentage of wagered money a game returns to players over time.
• "KYC" (Know Your Customer) refers to the identity verification process required for account security and regulatory compliance.

2. Eligibility and Account Registration

2.1 Age and Residency Requirements

To create an account and use the top123 platform, you must meet the following eligibility criteria:

• You must be at least 21 years of age or the legal age for gambling in your jurisdiction, whichever is higher.
• You must be a resident of Indonesia with a valid Indonesian identification document (KTP or passport).
• You must be legally capable of entering into binding contracts under Indonesian law.
• You must not be located in any jurisdiction where online gambling is prohibited by law.
• You must not be self-excluded from gambling services or listed on any gambling prohibition register.

2.2 Account Registration Process

When registering an account on top123, you agree to:

• Provide accurate, current, and complete information during the registration process.
• Maintain and promptly update your account information to keep it accurate and current.
• Create only one account per person. Multiple accounts by the same individual are strictly prohibited.
• Not use another person's identity, payment methods, or personal information to create an account.
• Not allow any other person to access or use your account.
• Not transfer, sell, or otherwise make your account available to any third party.

2.3 Information Accuracy

You are solely responsible for ensuring that all information provided during registration and throughout your use of the platform is accurate, complete, and up-to-date. top123 reserves the right to verify the information you provide at any time and may suspend or terminate your account if any information is found to be false, misleading, or incomplete.

3. Account Security and Verification

3.1 Account Credentials

You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to:

• Choose a strong, unique password that is not used for any other online service.
• Never share your password with any third party.
• Immediately notify top123 if you suspect any unauthorized access to your account.
• Accept responsibility for all activities that occur under your account credentials.
• Enable two-factor authentication (2FA) when available for enhanced security.

3.2 KYC Verification Requirements

top123 operates under strict Know Your Customer (KYC) and anti-money laundering (AML) regulations. As part of our commitment to platform integrity and regulatory compliance, we require users to complete identity verification before processing withdrawals. The KYC process may include:

• Submission of a valid government-issued photo identification (Indonesian KTP or passport).
• Proof of address documentation (utility bill, bank statement, or government correspondence dated within the last three months).
• Verification of payment methods used for deposits (bank account statement or e-wallet screenshot).
• Additional documentation as deemed necessary for security or regulatory compliance purposes.

3.3 Document Requirements

When submitting identification documents, please ensure:

• Documents are clear, legible, and in color (not black and white).
• All four corners of the document are visible in the photograph or scan.
• The document has not expired and is currently valid.
• Your face and all text on the document are clearly visible without blur or glare.
• Documents are in JPEG, PNG, or PDF format with a maximum file size of 10MB.

4. Deposits and Payments

4.1 Accepted Payment Methods

top123 accepts deposits via the following Indonesian payment methods:

• Bank Transfers: BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon
• E-Wallets: OVO, DANA, GoPay, ShopeePay, LinkAja

4.2 Deposit Limits and Processing

The following deposit limits and processing times apply:

• Minimum Deposit: Rp 50,000 for bank transfers; Rp 25,000 for e-wallets
• Maximum Deposit: Rp 100,000,000 per transaction for major banks; Rp 50,000,000 for regional banks; Rp 20,000,000 for e-wallets
• Processing Time: Instant for BCA, BRI, BNI, Mandiri, OVO, DANA, GoPay; 15 minutes for CIMB Niaga, OCBC NISP, Bank Danamon
• Deposit Fees: top123 does not charge any deposit fees. However, your payment provider may impose their own transaction fees.

4.3 Deposit Terms

By making a deposit to your top123 account, you confirm and agree that:

• You are the legitimate owner of the payment method used for the deposit.
• All funds deposited are obtained from legal sources and are not proceeds of criminal activity.
• You authorize top123 to debit the specified amount from your payment method.
• Deposits are non-refundable except in cases where an error occurred during processing or where required by law.
• top123 reserves the right to refuse any deposit without providing a reason.

4.4 Payment Method Verification

For security and anti-money laundering purposes, top123 may require verification of your payment methods. This may include:

• Bank account statement showing your name and account number
• E-wallet screenshot displaying your registered name and account details
• Additional documentation proving ownership of the payment method

Withdrawals can only be processed to verified payment methods registered in your name.

5. Withdrawals and Processing

5.1 Withdrawal Requirements

To process a withdrawal from your top123 account, you must meet the following requirements:

• Your account must be fully verified with completed KYC documentation.
• All bonus wagering requirements must be fulfilled before withdrawing bonus-related winnings.
• Withdrawals can only be made to payment methods registered in your name.
• The payment method used for withdrawal must be the same method used for deposit, where technically feasible.
• Your account must have a positive balance exceeding the minimum withdrawal amount.

5.2 Withdrawal Limits and Processing Times

The following withdrawal limits and processing times apply:

• Minimum Withdrawal: Rp 100,000
• Maximum Daily Withdrawal: Rp 50,000,000 for standard accounts; Rp 100,000,000 for VIP Gold tier members
• Processing Time: 2-6 hours for bank transfers during business days; 1-3 hours for e-wallet withdrawals
• First Withdrawal: May take up to 24 hours due to additional security verification
• Withdrawal Fees: top123 does not charge withdrawal fees. However, receiving banks or e-wallet providers may impose their own fees.

5.3 Anti-Money Laundering Policy

top123 maintains strict anti-money laundering (AML) procedures. As part of these procedures:

• You must wager deposited funds at least once (1x turnover) before withdrawal, even without claiming bonuses.
• Withdrawals must be made to the same payment method used for deposit, where possible.
• Large or unusual withdrawal patterns may trigger additional verification procedures.
• top123 reserves the right to request source of funds documentation for deposits exceeding Rp 50,000,000.
• Suspected money laundering activities will be reported to relevant authorities and may result in account closure and fund forfeiture.

5.4 Withdrawal Cancellation Rights

top123 reserves the right to cancel or delay any withdrawal request under the following circumstances:

• Incomplete or pending KYC verification
• Unfulfilled bonus wagering requirements
• Suspected fraudulent activity or violation of these Terms & Conditions
• Technical issues with the payment processor
• Ongoing investigation into account activity

If your withdrawal is cancelled, you will be notified via email with an explanation and guidance on how to resolve the issue.

6. Bonuses and Promotions

6.1 General Bonus Terms

top123 offers various bonuses and promotions to enhance your gaming experience. By accepting any bonus, you agree to the following general terms:

• All bonuses are subject to specific wagering requirements before withdrawal.
• Wagering requirements must be fulfilled within the specified validity period or the bonus and associated winnings will be forfeited.
• Only one active bonus is allowed per account at any given time unless explicitly stated otherwise.
• Bonuses are intended for recreational players and cannot be used for guaranteed-profit strategies or arbitrage.
• top123 reserves the right to modify, suspend, or cancel any promotion at any time without prior notice.
• Bonus abuse, including but not limited to creating multiple accounts to claim bonuses repeatedly, will result in bonus forfeiture and account termination.

6.2 Wagering Requirements Explained

Wagering requirements (also called playthrough or turnover requirements) represent the amount you must bet before bonus funds can be withdrawn as cash. For example:

• If you receive a Rp 1,000,000 bonus with a 30x wagering requirement, you must place bets totaling Rp 30,000,000 before withdrawing.
• Not all games contribute equally to wagering requirements. Slots typically contribute 100%, while table games may contribute 10-20%.
• Maximum bet limits apply while wagering bonuses, typically Rp 50,000 per spin or hand.
• Wagering requirements apply to the bonus amount only, not the deposit amount, unless otherwise stated.

6.3 Game Contribution to Wagering

Different game types contribute differently toward fulfilling wagering requirements:

• Slots: 100% contribution (every Rp 100 bet counts as Rp 100 toward wagering)
• Live Casino (Roulette, Baccarat, Dragon Tiger): 20% contribution
• Blackjack: 10% contribution
• Sports Betting: Varies by promotion; typically bets with odds below 1.50 do not count
• Excluded Games: Some games may be entirely excluded from bonus play and will not contribute to wagering

6.4 Bonus Validity Periods

All bonuses have specified validity periods:

• Welcome bonuses typically must be wagered within 30 days of activation.
• Deposit match bonuses usually have 21-30 day validity periods.
• Free spins must generally be used within 7-14 days and winnings from free spins wagered within 14-21 days.
• Cashback bonuses typically have 7-14 day wagering validity.
• If wagering is not completed within the validity period, all bonus funds and winnings will be removed from your account.

6.5 Bonus Forfeit and Withdrawal

You may choose to forfeit an active bonus at any time by contacting customer support. Upon forfeit:

• All bonus funds and any winnings accumulated from the bonus will be removed from your account.
• Only your original deposit amount (if any) and winnings from non-bonus play will remain.
• Once a bonus is forfeited, it cannot be reinstated.
• If you make a withdrawal while an active bonus is in your account, the bonus and all associated winnings will be automatically forfeited.

7. Betting Rules and Game Play

7.1 General Betting Rules

When placing bets on the top123 platform, the following rules apply:

• All bets are final once confirmed. You cannot cancel or modify a bet after it has been placed.
• Bets will only be accepted if you have sufficient account balance to cover the stake amount.
• In the event of a technical error displaying incorrect odds, game results, or payouts, top123 reserves the right to void affected bets.
• top123 reserves the right to void bets if we have reasonable grounds to believe the bet was placed using inside information, collusion, or other unfair advantage.
• All game outcomes are determined by certified Random Number Generators (RNG) that are regularly audited by independent third parties.

7.2 Sports Betting Rules

For sports betting, including football (bandar bola), the following specific rules apply:

• All sports bets are settled based on the official result at the end of regular time, unless otherwise stated in the specific market rules.
• If a match is postponed or suspended, bets typically remain valid if the match is completed within 48 hours. Otherwise, bets are voided.
• For mix parlay (accumulator) bets, if one selection is voided, that selection is treated as having odds of 1.00 and the bet continues with remaining selections.
• Asian Handicap and Over/Under bets follow standard Asian betting rules. Half-win and half-loss outcomes are possible.
• Live betting odds change in real-time. The odds at the time your bet is confirmed are the odds that apply to your bet.
• In cases of obvious pricing errors (palpable errors), top123 reserves the right to void affected bets or re-settle them at correct odds.

7.3 Casino Game Rules

For casino games, including slots, live dealer games, and table games:

• All slots operate on certified RNG systems with published Return to Player (RTP) percentages ranging from 92% to 98%.
• RTP is calculated over millions of game rounds. Short-term results can vary significantly due to variance.
• For live dealer games, the dealer's actions and decisions are final. Video replay is available for dispute resolution.
• If a live game is interrupted due to technical issues, the round will be voided and stakes refunded if the result has not been determined. If the result was determined before interruption, the bet stands.
• Maximum win limits may apply to certain games or progressive jackpots. These limits are displayed in the game rules.

7.4 Lottery and Togel Rules

For togel (Indonesia's traditional lottery game) and other lottery-style games:

• All lottery draws are based on official results from the respective lottery authorities.
• Bet closing times are clearly displayed for each market. Bets placed after closing time will not be accepted.
• Results are posted immediately after official draw completion and can be verified against official lottery sources.
• Payout odds are fixed at the time of bet placement and do not change based on pool size or number of winners.
• Lottery games typically have lower RTPs (60-70%) compared to casino games due to their jackpot structure.

8. Prohibited Activities

8.1 Account and Bonus Abuse

The following activities are strictly prohibited and will result in account suspension, bonus forfeiture, and/or permanent account closure:

• Multiple Accounts: Creating more than one account per person to claim multiple bonuses or circumvent restrictions.
• Bonus Abuse: Using bonuses in a manner inconsistent with their recreational intent, such as risk-free betting strategies or guaranteed-profit systems.
• Coordinated Play: Colluding with other players to gain unfair advantage, including bet coordination or chip dumping in poker.
• Arbitrage Betting: Exploiting odds differences between bookmakers or between pre-match and live odds to guarantee profit.
• Betting Patterns: Unusual betting patterns that suggest insider information, match-fixing knowledge, or automated betting systems.

8.2 Fraudulent Activities

The following constitute fraud and may result in legal action in addition to account closure:

• Identity Fraud: Using another person's identity, documents, or payment methods to create or verify an account.
• Payment Fraud: Using stolen credit cards, hacked e-wallets, or other fraudulent payment methods.
• Chargeback Fraud: Making deposits and then initiating chargebacks through your payment provider after losing funds.
• Document Forgery: Submitting falsified, altered, or forged identification documents during KYC verification.
• Money Laundering: Using the platform to launder funds obtained through illegal activities.

8.3 Technical Abuse

The following technical activities are prohibited:

• Bot Usage: Using automated software, bots, or scripts to place bets or play games.
• Game Exploitation: Exploiting software bugs, glitches, or errors for unfair advantage.
• Network Manipulation: Using VPNs, proxies, or other tools to mask your location or access restricted content.
• System Attacks: Attempting to hack, DDoS, or otherwise interfere with platform operations.
• Data Scraping: Using automated tools to collect odds, player data, or other platform information.

8.4 Consequences of Prohibited Activities

If you engage in any prohibited activity, top123 reserves the right to:

• Immediately suspend or permanently close your account without prior notice.
• Void all bets and confiscate all funds in your account, including deposits and winnings.
• Withhold withdrawals pending investigation completion.
• Report fraudulent activities to relevant law enforcement authorities.
• Share information with other gaming operators to prevent further abuse.
• Pursue legal action to recover damages.

9. Limitations of Liability

9.1 Service Availability

While top123 strives to provide uninterrupted service, we cannot guarantee that the platform will be available at all times. We are not liable for:

• Service interruptions due to scheduled maintenance, technical issues, or circumstances beyond our control.
• Losses resulting from internet connectivity issues, power outages, or device malfunctions on your end.
• Inability to access the platform due to government restrictions, ISP blocking, or legal changes.
• Third-party service failures, including payment processor downtime or game provider technical issues.

9.2 Financial Liability

top123's financial liability to you is limited as follows:

• Our maximum liability for any claim shall not exceed the amount in your account at the time of the incident.
• We are not liable for indirect, consequential, or punitive damages, including lost profits or opportunity costs.
• We are not responsible for tax liabilities arising from your winnings. You are solely responsible for reporting and paying applicable taxes.
• We are not liable for losses resulting from your failure to secure your account credentials or enabling two-factor authentication.

9.3 Game Outcomes and Results

Regarding game outcomes and betting results:

• All game results are determined by certified RNG systems or official sports results and are final.
• top123 is not liable if you disagree with a game outcome or sports bet settlement based on published rules.
• We reserve the right to correct obvious errors in game results, odds, or payouts, even after bets are settled.
• In the event of disputes, our decision is final, though you retain the right to pursue alternative dispute resolution as outlined in Section 11.

9.4 Third-Party Links and Services

The top123 platform may contain links to third-party websites or services:

• We are not responsible for the content, policies, or practices of third-party sites.
• Links to third parties do not constitute endorsement of their services or products.
• You access third-party sites at your own risk and subject to their terms and conditions.

10. Account Suspension and Termination

10.1 Voluntary Account Closure

You may close your account at any time by contacting customer support. Upon voluntary closure:

• You must withdraw or forfeit all remaining account balance before closure.
• Any active bonuses will be forfeited.
• You will no longer receive promotional communications from top123.
• Account closure is typically processed within 48 hours of your request.
• You may request account reopening within 6 months by contacting support, subject to account review.

10.2 Self-Exclusion for Responsible Gaming

If you feel gambling is becoming problematic, you can request self-exclusion:

• Self-exclusion periods range from 24 hours to permanent exclusion.
• During self-exclusion, you cannot log in, deposit, or receive promotional materials.
• Self-exclusion of 6 months or longer cannot be reversed during the exclusion period.
• After the self-exclusion period ends, accounts do not automatically reopen. You must contact support to request reopening, which includes a cooling-off period and responsible gaming assessment.

10.3 Account Suspension by top123

top123 reserves the right to suspend your account temporarily for:

• Pending KYC verification or additional document requests.
• Investigation of suspected Terms & Conditions violations.
• Unusual betting patterns or suspected fraudulent activity.
• Incomplete or inaccurate account information.
• Non-response to security verification requests.

During suspension, you will not be able to place bets, make deposits, or request withdrawals. Suspensions are lifted once the issue is resolved.

10.4 Account Termination by top123

top123 may permanently close your account without prior notice if:

• You violate any provision of these Terms & Conditions.
• You engage in fraudulent, abusive, or illegal activities.
• You provide false information during registration or KYC verification.
• You are found to have multiple accounts.
• Legal or regulatory requirements mandate account closure.

Upon termination, all bets will be voided, bonuses forfeited, and funds in your account may be confiscated if the termination resulted from Terms violations. If termination was not due to violations, remaining balance will be returned after deducting any applicable fees.

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms & Conditions and your use of the top123 platform are governed by and construed in accordance with the laws of the jurisdiction in which top123 is licensed to operate. By using the platform, you consent to the exclusive jurisdiction of the courts in that jurisdiction for resolving any disputes arising from these Terms.

11.2 Dispute Resolution Process

If you have a complaint or dispute regarding the platform, we encourage resolution through the following process:

1. Contact Customer Support: First, contact our 24/7 customer support team via live chat, email, or WhatsApp. Many issues can be resolved quickly through direct communication.
2. Escalation to Management: If customer support cannot resolve your issue to your satisfaction, request escalation to the management team. Management will review your case and respond within 5 business days.
3. Formal Complaint: If management's response is unsatisfactory, submit a formal written complaint to our compliance team via email, including all relevant details, screenshots, and correspondence. Formal complaints receive written responses within 10 business days.
4. Alternative Dispute Resolution: If the formal complaint process does not resolve the dispute, you may pursue alternative dispute resolution through an independent mediation service or relevant gaming authority.

11.3 Limitation Period for Claims

Any claim or dispute arising from your use of top123 must be filed within 90 days of the event giving rise to the claim. Claims filed after 90 days will not be accepted. This limitation period applies to all claims, including those related to bet settlements, account closures, and bonus disputes.

11.4 Class Action Waiver

You agree to resolve disputes with top123 on an individual basis only. You waive any right to participate in class action lawsuits, consolidated proceedings, or representative actions against top123.

12. Contact Information

12.1 Customer Support Channels

For questions, concerns, or assistance regarding these Terms & Conditions or your account, contact top123 customer support through the following channels:

• 24/7 Live Chat: Available on the website and mobile app with average response time under 30 seconds
• Email Support: [email protected] (typical response time 2-6 hours during peak periods, under 1 hour off-peak)
• WhatsApp Support: Available 24/7 for quick inquiries and account assistance
• In-App Messaging: For mobile app users, use the in-app chat feature for seamless support

12.2 Compliance and Legal Inquiries

For formal compliance, legal, or regulatory inquiries, contact our compliance team via email with "COMPLIANCE INQUIRY" in the subject line. Compliance inquiries receive responses within 5 business days.

12.3 Responsible Gaming Support

If you need assistance with responsible gaming tools, self-exclusion, or problem gambling support, contact our dedicated responsible gaming team through any customer support channel and request transfer to the responsible gaming specialist. Support is available 24/7.

12.4 Business Hours and Time Zone

All top123 support services operate in Western Indonesia Time (WIB, UTC+7). While customer support is available 24/7, certain administrative functions like KYC verification and compliance reviews are processed during business hours (9:00 AM - 6:00 PM WIB, Monday - Friday).

13. Changes to Terms & Conditions

top123 reserves the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to the website, with the "Last Updated" date revised accordingly. Material changes will be communicated to active users via email notification. Your continued use of the platform after changes are posted constitutes acceptance of the modified Terms. If you do not agree with the changes, you must stop using the platform and close your account.

It is your responsibility to review these Terms & Conditions periodically. We recommend checking this page each time you log in to stay informed of any updates.

14. Severability and Entire Agreement

If any provision of these Terms & Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced by a valid provision that most closely approximates the intent and economic effect of the original provision.

These Terms & Conditions, together with the Privacy Policy and any specific game or promotion rules, constitute the entire agreement between you and top123 regarding your use of the platform and supersede all prior agreements, understandings, or communications, whether written or oral.