How Our Legal Terms Apply to Your Account
Your account with 12winasia is personal and non-transferable. You may not share access, create duplicate accounts or act on behalf of another person. All activity on the account — including deposits made through Touch 'n Go eWallet, Boost, GrabPay, DuitNow or FPX — is treated as
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instructed by the registered account holder. We retain the right to request identity verification at any point, particularly before processing a withdrawal. If your submitted documents do not match the account details, your request will be paused until resolved. Account balances are denominated in Ringgit Malaysia
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(RM), and all transactions are recorded in RM regardless of how the underlying e-wallet processes the movement. We also reserve the right to suspend or close an account where we identify irregular activity, breach of these terms, or where local law in Malaysia requires us to
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act. Legal access to the platform is conditional on the laws applicable in your location — if you are in a region where accessing this type of platform is not permitted, you are responsible for not accessing it. We do not knowingly accept access from restricted
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regions, and it remains your responsibility to check whether access is lawful where you are. These terms may be updated periodically; continued use of the account following an update constitutes acceptance of the revised terms.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.