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Terms Conditions That Govern Your 12ntc Account

These terms set out exactly what you agree to when you open and use a 12ntc account — covering deposits via Touch 'n Go eWallet, Boost and GrabPay, how your account is managed, and what applies in your region where local law permits.

Applies to all account holdersCovers Touch 'n Go eWallet, Boost & GrabPay useSubject to local law eligibilityUpdated terms replace previous versionsContact support for any clarification

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REACH OUR TEAM

How to Contact Us About These Terms

If a clause is unclear or you want to flag something about how your account is being handled, reach us through the channels below. We address terms-related queries as a priority — especially anything involving your wallet transactions or account standing.

Team online

Live Chat

Open the chat window from your account dashboard for direct, real-time help on terms questions, wallet issues or account access concerns.

Email Support

Send a written query to our support address if your question relates to a specific clause, a transaction record or an account decision you want reviewed.

Account Help Centre

Check the Help Centre for answers on common terms questions — account rules, what activity is permitted, and how wallet payments are treated under these terms.

What These Terms Actually Cover

12ntc Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

By creating an account on 12ntc, you confirm that you have read and accepted these terms in full. They apply to every action taken through your account — placing activity, depositing funds through Touch 'n Go eWallet, Boost or GrabPay, withdrawing to a linked wallet, and

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accessing any content on the platform. Access to 12ntc and participation in any activity offered here depends on local law and is available only where your local law permits it. We reserve the right to update these terms at any time. When we do, the revised
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version takes effect immediately upon publication. Continuing to use your account after an update means you accept the new terms. If any part of the updated terms does not work for you, you should stop using your account and contact our support team. Account holders based
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in Melaka or anywhere else in Malaysia are subject to the same version of these terms. All amounts on the platform are denominated in ringgit (RM) unless otherwise stated. Disputes are handled through our support channel in the first instance before any escalation path is considered.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

HOW WE OPERATE

Account Security, Data and Your Rights

These terms exist to protect both sides of the account relationship. Here is how we handle the areas that matter most to you as an account holder — security, data, retention and how to request changes.

Account Security

Your account is protected by OTP verification on login and any sensitive change. Never share your credentials — you are responsible for all activity logged under your account.

Data Handling

We collect only what is needed to run your account and process wallet payments. Your Touch 'n Go eWallet, Boost or GrabPay transaction data is used solely for payment verification and account reconciliation.

Retention & Closure

Account records are retained in line with our internal policy and any applicable legal requirement. If you request account closure, we will process it and confirm what data is retained post-closure.

Requesting Changes

To update personal details, correct a record, or query how your data is used, contact support via live chat or email. We respond to account-change requests directly and confirm each step.

Common Questions About These Terms

These are the questions we get most often about how our terms work. If yours is not here, live chat is the fastest route to a clear answer.

They apply from the moment you complete account registration and continue to apply for as long as your account remains active, including during any deposit or withdrawal activity.

Updated terms take effect as soon as they are published. Using your account after an update signals your acceptance. Check this page periodically to stay current with any changes.

Yes. All deposits made through Touch 'n Go eWallet, Boost or GrabPay fall under these terms. Payment verification steps and any reversal conditions are governed by the same agreement.

Raise it first through live chat or email support with your account details and the specific concern. Our team will review the relevant transaction or account record and respond directly.

Access depends on local law and is available only where your local law permits it. If you are unsure about eligibility in your region, check local regulations before using your account.

Contact our support team via live chat or email to request closure. We will confirm what happens to your remaining balance, any pending transactions, and which records we are required to retain.

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