I understand, that you want to prohibit routing to selected top layer pads. I think, this can be done with most PCB tools by placing a lockout-area, either in the component definition or on the board. Altium designer has the option to define similar restrictions in the rules hierarchy. But it's a "mighty tool" and the required action is probably not obvious for a beginner. (The latter describes at least my personal relation to AD).
I''m also under the impression, the problem has been previously discussed.