Terms and Conditions utown — Complete Platform Usage Guide

By accessing, registering for, or using any part of the utown platform — whether through the website or mobile app — you are deemed to have read, understood, and agreed to be bound by all terms and conditions set out in this document.

These Terms and Conditions constitute a legally binding agreement between you as the user and utown as the platform operator. If you do not agree with any part of these terms, you are not permitted to continue using the utown platform.

Utown reserves the right to amend, update, or add to these terms and conditions at any time without prior notice. It is your responsibility to review this document periodically. Continued use of the platform following any amendments constitutes full acceptance of the updated terms.

Use of the utown platform is restricted to individuals who meet all of the following eligibility criteria:

• Aged 18 years and above at the date of registration
• Not appearing on any gambling exclusion list recognized in the relevant jurisdiction
• Registering under your own name and not on behalf of another person
• Not prohibited by any local laws from participating in online gambling platforms
• Using legitimate personal funds and not funds obtained through illegal means

During registration, you are required to provide accurate, complete, and up-to-date information. utown reserves the right to request proof of identity and residence at any time as part of the account verification (KYC) process. Failure to provide the required documents may result in your account being temporarily suspended or permanently closed.

Each individual is only permitted to hold one active account at utown. Multiple account registrations by the same individual — whether using the same or different information — are prohibited and may result in the closure of all associated accounts and forfeiture of any existing balances.

You are solely responsible for keeping your account login credentials confidential, including your username and password. utown shall not be held liable for any losses arising from unauthorised access to your account due to your failure to safeguard your login information.

If you suspect your account has been accessed by an unauthorised party, you should immediately contact the utown support team via live chat on the platform. We will take prompt action to secure your account.

• Do not share your password with anyone, including family members
• Use a strong, unique password that is not used on any other platform
• Log out of your account after each session, especially on shared devices
• Enable two-factor authentication (2FA) where available for added protection
• Do not access your utown account over unsecured public Wi-Fi networks

Utown uses 256-bit SSL encryption to protect all data transmitted between your device and our servers. However, account security at the user level is entirely your responsibility.

All financial transactions on utown are processed in Malaysian Ringgit (MYR). utown accepts deposits via a range of local payment methods including FPX, DuitNow, bank transfers to major Malaysian banks, and supported e-Wallets such as Touch 'n Go.

Deposit Terms:

• Minimum deposit is MYR 10 for most payment methods
• Only bank accounts registered under the same name as your utown account are accepted
• Deposits made using third-party accounts are not permitted and will be returned
• Deposits are typically credited to your account within 5 minutes of payment confirmation

Withdrawal Terms:

• Minimum withdrawal is MYR 30
• Identity verification (KYC) must be completed before your first withdrawal is processed
• Withdrawals can only be made to a bank account or e-Wallet registered in your name
• If a bonus has been received, the associated wagering requirements must be met before a withdrawal is permitted
• Withdrawal processing times range from 15 minutes to 2 hours depending on the selected method

Utown offers a variety of bonus and promotion programs from time to time. All bonuses are subject to specific terms and conditions stated alongside each offer. The general terms applicable to all bonuses at utown are as follows:

• Each bonus has wagering requirement that must be met before winnings from a bonus can be withdrawn
• Bonuses generally have a limited validity period — unused bonuses will expire automatically after this period
• Welcome bonuses are only available to new members making their first deposit
• Utown reserves the right to withdraw any bonus if there is evidence of misuse or fraud
• Each account, IP address, device, and bank account number is eligible for one bonus claim only
• Not all games contribute equally to wagering requirements — check the specific terms of each promotion

Participants found to be exploiting the bonus system, using multiple accounts to claim bonuses repeatedly, or employing strategies deemed as promotional abuse will have their accounts closed and all related bonuses and wins forfeited.

All games available at utown use a certified Random Number Generator (RNG) system that has been audited by an independent third-party body. This ensures every game outcome is truly random and cannot be manipulated by any party.

Users are prohibited from:

• Using automation software, bots, or scripts to play or interact with the platform
• Exploiting any technical bugs or system vulnerabilities to gain an unfair advantage
• Colluding with other players to manipulate game outcomes in multiplayer games
• Using a VPN or other methods to conceal your actual location in order to bypass regional restrictions

In the event of a technical disruption during an active game session, utown reserves the right to void the affected rounds. In such cases, the bet amount will be returned to your account balance. Wins obtained through a technical bug are considered invalid and will not be paid out.

Utown fully complies with all laws and regulations relating to anti-money laundering (AML) and counter-terrorism financing (CFT). We maintain active monitoring procedures to detect suspicious activity on the platform.

Users declare that all funds deposited into their utown account are from legitimate sources and are not connected to any illegal activity. utown reserves the right to:

• Suspending or closing accounts that show patterns of suspicious activity
• Withholding withdrawals until an investigation is completed
• Reporting suspicious transactions to the relevant authorities without notifying the user
• Requesting additional supporting documents to verify the source of funds

You may close your utown account at any time by contacting our customer support team. Prior to closure, all eligible balances will be returned to you once the relevant conditions have been met.

Utown reserves the right to suspend or close a user's account unilaterally under the following circumstances:

• Violation of any part of these terms and conditions
• Facilitation or confirmation of fraudulent activity
• Failure to complete the KYC process within the stipulated timeframe
• Request by legal authorities
• Accounts inactive for more than 12 consecutive months

In the event of closure due to a terms violation, utown reserves the right to forfeit all bonuses, pending wins, and promotional credits in the account. For inactive account closures, any real-money balance will be communicated to the account holder via their registered email before any action is taken.

Utown provides the gaming platform on an "as-is" basis and makes no warranties or guarantees regarding the continuous availability of the platform, the accuracy of information displayed, or the suitability of the platform for any particular purpose.

To the extent permitted by law, utown shall not be liable for:

• Loss or damage arising from platform outages or unavailability
• Financial losses resulting from a player's own actions or decisions during play
• Damage to your device or data loss related to use of the platform
• Indirect, incidental, or consequential losses arising from use of the platform

Utown's maximum liability to any user is limited to the amount deposited by that user in the 30 days prior to the claim being made, or MYR 5,000, whichever is lower.

Utown reserves the right to amend, add, or remove any part of these terms and conditions at any time. Significant changes will be communicated to users via in-platform notifications or email to the registered address.

It is your responsibility to review this Terms and Conditions page periodically. The latest update date is shown at the top of this document. Continued use of the platform after any amendments take effect constitutes your acceptance of the revised terms.

If you do not agree with any amendments made, you should stop using the platform and close your account. Contact our support team for assistance with the account closure process.

Utown is committed to ensuring a responsible and safe gaming experience for all users. We provide a range of self-control tools that you can use directly from your account settings:

• Deposit Limit: Set daily, weekly, or monthly deposit limits to control your spending
• Loss Limit: Cap the maximum amount you can lose within a set period
• Session Limit: Set the maximum time you can spend in a single gaming session
• Cooling-Off: Take a temporary break — 24 hours, 7 days, or 30 days
• Self-Exclusion: Close access to your account for an extended period or permanently

If you are concerned about your own gambling habits or those of someone you know, utown encourages you to seek help from the relevant support organisations. More information is available on the Responsible Gambling us.

These Terms and Conditions are governed by and interpreted in accordance with the applicable laws of the jurisdiction where utown is registered and operates. Any disputes arising from or related to the use of the utown platform shall be resolved through the following channels:

1. First Stage — Customer Support: Contact the utown support team via live chat within the platform. Most issues can be resolved within 24 hours.
2. Second Stage — Formal Complaint: If an issue cannot be resolved at the support level, you may submit a formal written complaint to the utown management team via the email address listed on the platform.
3. Third Stage — Arbitration: Disputes that cannot be resolved internally may be referred to an independent arbitration body recognised by the licensing authority.

All disputes must be submitted within 6 months of the date of the incident giving rise to the dispute. Disputes submitted after this period may not be considered.

By using the utown platform, you agree that any legal action relating to your use of the platform shall be brought on an individual basis and not as part of a class action or joint proceeding.