FM12 Terms & Conditions – Complete Guide to Using Malaysia's Trusted Online Gambling Platform

1Eligibility & fm12 Account Registration

To register and use the FM12 platform, you must meet all of the following eligibility requirements without exception:

• You must be at least 21 years old at the time of registration. fm12 strictly prohibits minors from accessing or using this platform in any capacity.
• You must be an individual registering in your own name, not on behalf of another person or business entity.
• You must have full legal capacity to enter into a binding agreement under the laws of your jurisdiction.
• You are not permitted to register more than one FM12 account. If duplicate accounts are detected, FM12 reserves the right to close all accounts involved and forfeit any remaining balances or winnings.
• All information provided during FM12 registration must be truthful, accurate, complete, and up to date. Providing false information constitutes a serious breach of these Terms.
• You are solely responsible for maintaining the confidentiality of your FM12 account password. FM12 shall not be liable for any losses arising from unauthorised access resulting from your own negligence.

FM12 reserves the right at any time to request identity verification documents (such as a copy of your MyKad or passport) to ensure the accuracy of the information provided. Failure to supply the requested documents within the specified timeframe may result in a temporary suspension or permanent closure of your FM12 account.

2Deposits & Withdrawals at FM12

FM12 offers a wide range of secure deposit and withdrawal methods optimised for the convenience of Malaysian players. Below is the complete policy governing financial transactions at FM12:

FM12 Accepted Payment Methods

FM12 accepts deposits and processes withdrawals through the following methods:

• DuitNow (interbank and QR)
• FPX – including Maybank2u, CIMB Clicks, RHB Now, Hong Leong Connect, Bank Islam, AmBank, and all other FPX member banks
• Touch 'n Go eWallet
• GrabPay
• Boost
• ShopeePay

FM12 Withdrawal Policy

• Withdrawals may only be made to a bank account or e-wallet registered in the same name as your FM12 account. FM12 does not process withdrawals to third-party accounts.
• FM12 members are required to complete identity verification (KYC) before making their first withdrawal exceeding RM 500.
• If there is an active bonus in your account, the associated rollover requirements must be completed before any withdrawal can be processed.
• FM12 does not charge any fees for deposits or withdrawals. However, payment service providers may impose their own charges, which are beyond FM12's control.
• FM12 reserves the right to place a hold on withdrawal processing for investigation purposes if any suspicious activity or non-compliance with these Terms is detected.

3FM12 Bonus & Promotions Policy

FM12 offers a wide range of attractive bonuses and promotions for both new and existing members. All bonuses are subject to the specific terms stated in each offer. The following are FM12's general bonus policies:

• The fm12 welcome bonus may only be claimed once per new member. Any attempt to claim additional bonuses using multiple accounts will result in the cancellation of all associated bonuses and accounts.
• All fm12 bonuses are subject to rollover (wagering) requirements that must be fulfilled before any bonus winnings can be withdrawn. The rollover requirement for each bonus is clearly stated in the terms of the respective offer.
• FM12 reserves the right to modify, withdraw, or terminate any promotion at any time without prior notice. Any unused bonus at the time a promotion ends will be automatically forfeited.
• FM12 reserves the right to reject or void any bonus claim if there is evidence of abuse, coordination between accounts, or the use of betting strategies designed to exploit the bonus system.
• Fm12's weekly cashback bonus is calculated based on net losses over the defined period and is credited automatically, with no manual claim required from the member.
• Any attempt to use betting strategies specifically designed to meet rollover requirements without genuine risk (bonus arbitrage) is strictly prohibited and may result in bonus cancellation and account closure.

4fm12 Game Rules

All games offered on FM12 — including video slots such as Mermaid Gold, Cobra Queen, Panda Fortune, Fruit Party, and Money Cart; number games such as Keno; arcade games such as Fish Hunter; and live casino games — are subject to the following rules:

• All FM12 games use an RNG system that has been independently certified by qualified international audit bodies. This ensures that the outcome of every round, hand, or draw is truly random and free from any form of manipulation.
• The RTP (Return to Player) value for each fm12 game is as stated on the respective game information page. RTP is calculated over the long term and does not guarantee the outcome of any individual gaming session.
• Any technical disruption, internet connection failure, or device issue occurring during active gameplay does not entitle you to a claim on winnings. FM12 will credit the affected wager amount back to your account once the investigation is complete.
• The use of any automation software, bots, or scripts to play fm12 games is strictly prohibited and may result in permanent account closure and forfeiture of all balances.
• FM12 is not liable for any losses arising from a failure to understand the rules of a game. Members are encouraged to read the details of each game before placing any bets.
• Winnings from FM12 live casino games are final once a round or hand has been completed and recorded in the system. Any dispute must be raised within 24 hours of the relevant game taking place.

5FM12 Data Security & Privacy

FM12 takes the protection of members' personal data extremely seriously. All information you share with FM12 — including your full name, phone number, email address, bank account details, and transaction records — is protected with 256-bit SSL encryption, the highest security standard in the industry.

• FM12 will not sell, disclose, or transfer your personal data to any third party for marketing or commercial purposes without your written consent.
• FM12 may share the necessary information with payment service providers (such as DuitNow, FPX, Touch 'n Go) solely for the purpose of processing your financial transactions.
• FM12 may disclose member information to the relevant authorities when required to do so by Malaysian law or a valid court order.
• You are responsible for keeping your FM12 account login credentials confidential. If you suspect your account has been compromised, please contact the FM12 support team immediately.
• For full details on how FM12 collects, uses, stores, and protects your personal data, please refer to our FM12 Privacy Policy us.

6FM12 Account Termination & Suspension

Fm12 reserves the right to temporarily suspend or permanently close any member account without prior notice if there is evidence or reasonable suspicion that the member in question has:

• Violating any provision of FM12's Terms & Conditions
• Providing false or misleading registration information
• Registering more than one FM12 account
• Engaging in fraud, money laundering, or any other unlawful activity
• Using automation software, bots, or cheating techniques in gameplay
• Threatening, insulting, or behaving in an offensive manner towards FM12 staff or other members
• Under 21 years of age, or registering on behalf of a minor

Should your account be closed due to a breach of these Terms, fm12 reserves the right to forfeit all remaining balances, pending winnings, and bonuses held in that account. You have the right to appeal this decision within 14 days by submitting a written appeal to [email protected].

Members who wish to voluntarily close their fm12 account may do so by contacting the fm12 support team. Any valid remaining balance will be returned to your registered bank account or e-wallet within 3 working days once all requirements have been met.

7FM12 Responsible Gaming

FM12 is fully committed to a responsible gaming culture. We believe that online entertainment should remain an enjoyable, controlled activity that does not negatively impact your life or the lives of those you care about.

• FM12 provides self-management tools accessible through your account settings, including daily and weekly deposit limits, loss limits, session time reminders, and the option to temporarily pause your account.
• Members who wish to take a break from the fm12 platform for a set period may activate the self-exclusion feature by contacting customer support. Once activated, self-exclusion cannot be reversed until the specified period has elapsed.
• Fm12 encourages all members to only play with money they can afford to lose without affecting their essential daily needs.
• If you or someone you know is showing signs of a gambling problem, please seek help from a relevant support organisation. fm12 is ready to provide any reference information you may need.
• For full details on FM12's responsible gaming programme, please visit the page Responsible Gaming us.

8FM12 Dispute Resolution

In the event of any dispute relating to transactions, winnings, bonuses, or any other aspect of using the FM12 platform, the following resolution procedure applies:

• Step 1 – Contact fm12 Support: Submit your complaint to the FM12 customer support team via live chat within the platform or by emailing [email protected]. Please provide your account details, transaction information, and a clear description of your complaint.
• Step 2 – FM12 Investigation: FM12 is committed to investigating every complaint within 3 business days. We may request additional information from you during the investigation process.
• Step 3 – FM12 Decision: The outcome of the investigation will be communicated to you in writing via email or through your FM12 account. FM12's decision on any dispute is final and binding unless a manifest error is established.
• Step 4 – Appeal: If you are dissatisfied with an FM12 decision, you have the right to submit an appeal within 14 days of being notified of that decision. All appeals will be reviewed by FM12 senior management.

These Terms & Conditions are governed by applicable law, and any dispute that cannot be resolved internally will be referred to the appropriate jurisdiction. fm12 and its members agree to pursue an amicable resolution before initiating any legal action.

All official FM12 communications will be made in Malay or English. The Malay version of these Terms shall be the binding version in the event of any inconsistency in interpretation.