Eligibility

You must be at least 18 years old and legally able to enter into a contract. One account per person; duplicate accounts may be closed.

Your account

Keep your login password and withdrawal password private. You are responsible for every action taken from your account. Tell us immediately if you suspect misuse.

Deposits

Deposits are credited only after the payment gateway confirms them. Always pay through the app; payments sent to any personal account will not be credited.

Plans and income

Each plan states its own amount, duration and daily return before you buy. Income is released by an automated daily process and is shown in your records.

Withdrawals

Withdrawals are paid to the bank or UPI details you have provided. Make sure your payment details are correct before submitting a withdrawal request.

Referrals

Referral and team rewards are earned only on genuine activity by real users. Self-referrals, fake accounts or bulk sign-ups will have rewards reversed.

Risk

Returns are not guaranteed and past performance does not predict future results. Only commit money you can afford to leave invested for the full plan duration.

Prohibited use

Do not use bots, multiple accounts, stolen payment details or any attempt to manipulate the system. We may suspend or close an account and hold its balance while we investigate.

Changes

These terms may be updated from time to time. Continuing to use Toing after an update means you accept the current version.