Terms & Conditions — to178

In these Terms & Conditions, the following terms carry the meanings set out below unless the context clearly requires otherwise.

Access to and use of the to178 Platform is subject to the following eligibility requirements. By registering an Account, you represent and warrant that all of the following conditions are met and remain met for the duration of your use of the Services.

• Age: You are at least 21 years of age. to178 strictly prohibits access by minors. The Company reserves the right to request age verification at any time and to suspend any Account where the age requirement cannot be confirmed.
• Jurisdiction: You are accessing the Platform from a jurisdiction in which online betting is not explicitly prohibited by applicable law. Players are solely responsible for determining whether their participation is lawful under the laws of their own jurisdiction. to178 does not provide legal advice in this regard.
• Capacity: You are acting on your own behalf as a private individual and not as an agent or representative of any third party.
• Mental capacity: You possess full legal capacity to enter into a binding contract and are not subject to a court order or other legal restriction that would prevent you from doing so.
• No exclusion: You are not subject to a self-exclusion order, either through to178's own exclusion system or through any other responsible gambling scheme, at the time of registration or during use of the Services.
• Not an employee: You are not an employee, director, officer, contractor, or immediate family member of an employee of to178 or any of its affiliated companies or third-party service providers.

To access the Services, you must register a personal Account on the Platform. The following conditions apply to the registration and maintenance of your Account.

• Single account: Each Player is permitted to hold exactly one Account. Opening more than one Account — whether under the same name, different names, or using different contact details — constitutes a material breach of these Terms. All duplicate Accounts will be closed and any balances therein may be voided.
• Accurate information: You must provide accurate, complete, and current information during registration, including your full legal name, date of birth, residential address, and contact details. You must update this information promptly if it changes.
• Account security: You are responsible for maintaining the confidentiality of your login credentials. You must not share your username, password, or account access with any third party. Any activity conducted through your Account will be deemed to have been authorised by you.
• Notification of breach: You must notify to178 immediately if you become aware of any unauthorised access to, or use of, your Account. Contact our support team at support@to178.cam.
• Account currency: All Accounts are denominated in Indonesian Rupiah (IDR). to178 does not support multi-currency accounts. The display currency cannot be changed after registration.
• Right to decline: to178 reserves the right to decline any registration application without providing a reason, and to close any Account that it reasonably believes has been registered in breach of these Terms or applicable law.

All financial transactions on the to178 Platform are conducted in Indonesian Rupiah (IDR / Rp). The following conditions govern the deposit and withdrawal of funds.

4.1 Supported Payment Methods

to178 currently supports the following payment channels for both deposits and withdrawals: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI (Bank Syariah Indonesia), Bank Permata, OVO, DANA, GoPay, ShopeePay, and LinkAja. The Company reserves the right to add, modify, or remove payment methods at any time. Players will be notified of material changes in advance where practicable.

4.2 Deposits

• Deposits must be made from a payment account registered in your own name. Third-party deposits are strictly prohibited.
• Minimum and maximum deposit amounts per transaction are displayed on the deposit page at the time of transaction. These limits are subject to change.
• Deposits are credited to your Account Balance upon confirmation from the payment provider. to178 is not responsible for delays caused by third-party financial institutions.
• to178 does not charge fees on deposits. However, your bank or e-wallet provider may apply their own transaction charges, for which to178 bears no responsibility.

4.3 Withdrawals

• Withdrawals may only be processed to a payment account registered in the same name as the to178 Account. to178 will not transfer funds to third-party accounts under any circumstances.
• Accounts must have completed the KYC verification process (Section 6) before any withdrawal request will be processed.
• The target processing time for withdrawals for verified accounts is under 5 minutes for standard bank transfers and e-wallet transactions during normal operating hours. Actual processing times may vary depending on your financial institution.
• to178 reserves the right to apply additional security checks to any withdrawal request, which may extend the processing time. Players will be informed if such checks are initiated.
• Minimum and maximum withdrawal amounts per transaction are displayed on the withdrawal page at the time of the request.
• Withdrawals of Bonus Funds are subject to the wagering requirements set out in Section 7 and will not be processed until those requirements have been satisfied.

The following general rules govern all betting and gaming activity on the to178 Platform. Product-specific rules (e.g., for sports betting, togel, live casino, or e-sports) are published separately on the relevant product pages and form part of these Terms by reference.

• Finality of results: All bet settlements and game results are final once confirmed by the Platform's system or the relevant third-party game provider. to178 is not liable for errors made by third-party game studios in the processing of game outcomes, though it will endeavour to seek correction on the Player's behalf where possible.
• Minimum and maximum stakes: All wagers are subject to minimum and maximum stake limits, which vary by product and market. Current limits are displayed at the point of bet placement.
• System malfunction: In the event of a system error, software malfunction, or communication failure during a game round or bet settlement, to178 reserves the right to void the affected wagers and return the staked amounts to Player Balances. No compensation for consequential losses will be paid in such circumstances.
• Suspicious activity: to178 employs automated and manual monitoring systems to detect irregular betting patterns, match-fixing indicators, and abuse of Platform features. Any Account found to be engaging in suspicious activity may be suspended pending investigation.
• Sports betting: All sports bets, including Asian Handicap and mix parlay (accumulator) markets, are settled in accordance with the rules published on the sportsbook product page. For BRI Liga 1 and other Indonesian domestic competitions, official match results as reported by the governing body are used for settlement.
• Togel: Togel (Indonesia's traditional numbers lottery) draws on to178 are settled using officially announced draw results. Players are responsible for verifying draw schedules and results on the Platform prior to wagering.

In order to comply with its obligations under applicable anti-money laundering (AML) frameworks and to protect the integrity of the Platform, to178 requires all Players to complete a Know Your Customer (KYC) verification process. KYC completion is mandatory before any withdrawal request will be processed.

6.1 Required Documents

Players are required to submit clear, current, and unaltered copies of the following documents:

• Proof of identity: A government-issued photo ID — Indonesian National Identity Card (KTP), passport, or driver's licence.
• Proof of address: A document issued within the last three months confirming your residential address — a utility bill, bank statement, or official government correspondence.
• Proof of payment method: Where required, confirmation that the payment account used for deposits is registered in your name (e.g., a bank statement header or e-wallet account screenshot showing your name).

6.2 Processing Times & Outcomes

• to178 targets a KYC review turnaround of under 4 hours for complete submissions made during business hours (WIB, UTC+7).
• If submitted documents are incomplete, unclear, or inconsistent with the information provided at registration, the Player will be contacted and given a reasonable opportunity to provide corrected documents.
• to178 reserves the right to suspend withdrawal functionality — and, in cases of suspected fraud, full Account access — pending satisfactory completion of KYC.
• All documents submitted for KYC are handled in accordance with to178's Privacy Policy. Documents are used solely for verification purposes and are not shared with third parties except as required by applicable law.

to178 offers various promotional incentives to new and existing Players. All bonuses and promotions are subject to the general conditions set out in this section, as well as any specific terms published with each individual offer.

• Eligibility: Promotions are available to eligible Players who meet the specific criteria stated in the offer. Unless stated otherwise, each promotion is available to one Account per person, per household, and per IP address.
• Wagering requirements: Bonus Funds and any winnings derived from Bonus Funds are subject to wagering requirements, which specify how many times the bonus amount (or bonus plus deposit, as stated in the offer) must be wagered before a withdrawal can be requested. Wagering requirements are stated clearly on each promotion page.
• Game contribution: Not all game types contribute equally to wagering requirements. Contribution rates by product category are published on each promotion page. Generally, sports betting and slot games contribute at a higher rate than live casino games. Togel game contribution rates are stated per promotion.
• Expiry: All bonuses and associated wagering requirements are subject to an expiry period from the date of credit. Bonus Funds and any associated winnings not withdrawn before the expiry date will be forfeited without notice.
• Misuse: to178 reserves the right to void bonuses, confiscate associated winnings, and close Accounts where it determines that a Player has engaged in bonus abuse, including but not limited to: placing offsetting bets, using multiple Accounts to claim the same promotion, or otherwise exploiting promotional terms in bad faith.
• Withdrawal of cash balance: Where a Player holds both a real-money Balance and Bonus Funds, the real-money Balance may be withdrawn at any time subject to standard withdrawal conditions. Bonus Funds remain subject to wagering requirements regardless of real-money Balance status.
• Amendments: to178 reserves the right to amend, suspend, or withdraw any promotion at any time. Where this affects Players who have already opted in, to178 will use reasonable efforts to honour existing commitments or provide a fair equivalent.

to178 is committed to promoting responsible gaming across all products and player segments. The following obligations and tools apply to all Accounts on the Platform.

• Player protection tools: All Players have access to deposit limits, loss limits, single-session wager limits, session time limits, reality-check reminders, and self-exclusion. These tools can be activated from the Account settings menu at any time.
• Self-exclusion: A Player who wishes to self-exclude from the Platform may do so by contacting our support team or activating the self-exclusion feature in their Account settings. Self-exclusion periods are a minimum of 30 days and may be set to permanent. Once activated, a self-exclusion cannot be reversed before the elected period expires.
• Cooling-off periods: Players may apply a short-term cooling-off period of 24 hours, 48 hours, or 7 days during which their Account will be suspended and no deposits, wagers, or withdrawals may be made.
• Minor protection: Players must not allow any person under the age of 21 to access the Platform through their Account. It is the Player's responsibility to ensure appropriate parental controls are in place on shared devices.
• Problem gambling resources: If you believe gambling is negatively affecting your life, please visit our Responsible Gaming page, which provides guidance, self-assessment tools, and links to professional support resources.

All content on the to178 Platform — including but not limited to text, graphics, logos, icons, images, audio clips, software, game interfaces, and the overall look and feel of the Platform — is the property of to178 or its licensed content providers and is protected by applicable intellectual property laws.

• You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial entertainment purposes only.
• You must not copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any content from the Platform without the prior written consent of to178.
• You must not use any automated tools, bots, scrapers, or data-mining software to access or extract content from the Platform.
• Game content (including game mechanics, graphics, and audio) distributed on the Platform by third-party studios such as Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Pocket Games Soft, and Spribe remains the intellectual property of those studios and is licensed to to178 for display on the Platform.

To the maximum extent permitted by applicable law, to178 limits its liability to Players as follows.

• No guarantee of winnings: to178 makes no representation or warranty that use of the Platform will result in winnings. All gambling involves risk and Players accept that they may lose their entire staked amount on any given wager.
• Service availability: While to178 endeavours to maintain continuous Platform availability, it does not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. Scheduled and unscheduled maintenance may result in temporary unavailability.
• Third-party content: to178 is not liable for the content, accuracy, or availability of games provided by third-party studios. Any disputes relating to third-party game outcomes should be directed to to178's support team in the first instance, who will liaise with the relevant studio on the Player's behalf.
• Force majeure: to178 will not be liable for any failure or delay in performance of its obligations under these Terms that results from circumstances beyond its reasonable control, including but not limited to natural disasters, power outages, internet infrastructure failures, regulatory actions, or acts of government.
• Cap on liability: Where to178 is found liable for any direct loss or damage suffered by a Player as a direct result of to178's negligence or breach of these Terms, the Company's aggregate liability shall not exceed the total amount deposited by that Player in the 30 days immediately preceding the event giving rise to the claim.
• Exclusion of consequential loss: In no event will to178 be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or other intangible losses.

Either party may terminate the relationship governed by these Terms at any time, subject to the following conditions.

11.1 Termination by the Player

A Player may close their Account at any time by contacting the to178 support team at support@to178.cam. Account closure will be processed within 24 hours of the request being received. Any real-money Balance remaining in the Account at the time of closure will be refunded to the Player's verified payment method, subject to completion of KYC and any outstanding wagering requirements on Bonus Funds. Bonus Funds and associated winnings will be forfeited upon Account closure.

11.2 Termination by to178

to178 reserves the right to suspend, restrict, or permanently close any Account, with or without prior notice, in any of the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Provision of false, inaccurate, or incomplete information at registration or during KYC.
• Suspected fraud, money laundering, match-fixing, or other illegal activity.
• Chargebacks initiated against deposits made to the Account.
• Abuse of bonuses or promotional offers.
• Use of automated software, bots, or artificial intelligence to gain an unfair advantage on the Platform.
• Determination by to178 that continued operation of the Account presents a legal, regulatory, or reputational risk to the Company.

Where an Account is closed by to178 due to a breach of these Terms, the Company reserves the right to retain any Balance pending the outcome of any investigation. Balances will be returned to the Player if the investigation concludes no wrongdoing, or forfeited if a material breach is confirmed.

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which to178 holds its international gaming licence. The application of any other national legal framework — including the domestic laws of Indonesia — is expressly excluded to the extent permitted by applicable law.

In the event of a dispute between a Player and to178, the following resolution process applies:

• Step 1 — Direct contact: The Player should first contact to178's support team at support@to178.cam, providing a full written description of the dispute, the Account details involved, and any supporting evidence. to178 will acknowledge receipt within 24 hours and endeavour to provide a substantive response within 5 business days.
• Step 2 — Escalation: If the Player is not satisfied with the initial response, they may request escalation to the to178 compliance team, who will conduct an independent review and respond within 10 business days.
• Step 3 — External resolution: If the dispute remains unresolved following internal escalation, both parties agree to refer the matter to binding arbitration under the rules of a mutually agreed international arbitration body. The language of proceedings shall be English.

Nothing in this clause limits a Player's right to seek emergency injunctive relief from a competent court where immediate harm is threatened. Players are advised to seek independent legal counsel before initiating formal dispute proceedings.

to178 reserves the right to amend, update, or replace these Terms & Conditions at any time. The Company will notify registered Players of material changes via the email address associated with their Account, with a minimum of 7 days' notice before the revised Terms take effect, except where a shorter notice period is required to comply with applicable law or to address an urgent security or regulatory matter.

The most current version of these Terms will always be accessible at https://to178.cam/terms-conditions. The "Last updated" date at the top of this page reflects the date on which the most recent revision came into effect. Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you must cease using the Platform and contact the support team to arrange Account closure.

Minor amendments — such as corrections of typographical errors, clarifications that do not alter the substantive meaning of a clause, or updates to contact information — may be made without advance notice and will take effect immediately upon publication.

For any queries, complaints, or requests relating to these Terms & Conditions, please contact the to178 support team through the following channel. Note that the email address below is provided as plain text only and is not a clickable link — please copy it manually into your email client.

Our support team operates 24 hours a day, 7 days a week, including Indonesian public holidays such as Idul Fitri, Independence Day (17 August), and Nyepi. For account-specific queries, please include your registered Account username and a description of your query to allow us to respond efficiently. All correspondence is handled in English; however, our team includes native Bahasa Indonesia speakers who can assist if required.

For responsible gaming support — including requests to activate self-exclusion, deposit limits, or cooling-off periods — please refer to our Responsible Gaming page or contact the support team directly. Responsible gaming requests are treated as priority and actioned immediately upon receipt.