Joya99 Terms and Conditions — Please read before use

1 General Terms & Nature of Agreement

These Terms and Conditions ("Terms") constitute a legally binding agreement between the joya99 platform and its users. By using the joya99 website or mobile app, you are automatically deemed to have accepted these Terms.

Joya99 is an internationally licensed online gaming platform. Our services include Sports Betting, online casino, Live Casino, and slots. It is each user's responsibility to read these Terms and Conditions carefully before using any of these services.

These Terms and Conditions are available in both English and Bengali. In the event of any conflict, the English version shall prevail.

2 Account Registration and Verification

To create an account at joya99, you must provide accurate and truthful information. Opening an account with false information is strictly prohibited. The following details must be entered correctly during registration:

• Full Name (as per National ID)
• Active Mobile Number
• Valid Email Address
• Date of Birth
• Preferred Payment Method

Joya99 may initiate a KYC (Know Your Customer) verification process at any time. You may be asked to submit a copy of your national ID, passport, or driving license. Withdrawals may be placed on hold until verification is complete.

Each person may register only one account. If multiple accounts are found under the same individual, all accounts will be closed and balances may be forfeited.

3 Age & Eligibility Requirements

Minimum Age Requirement to Use the joya99 Platform 18 Years. No person under the age of 18 may open an account or participate in any game on this platform.

It is your responsibility to ensure that online gaming is legal in your area of residence. joya99 does not provide any legal advice on this matter.

Joya99 may request additional documents at any time to verify age where it is in question. Failure to provide the required documents will result in the account being temporarily suspended.

4 Deposits and Withdrawals

Payment methods currently accepted at joya99: bKash, Nagad, Rocket, USDT. Minimum deposit and minimum withdrawal amounts are clearly specified on the platform.

• Deposits are generally credited to your account instantly.
• Withdrawals are typically 30 minutes to 24 hours processing is completed within.
• KYC verification must be completed before withdrawals can be processed.
• Bonus balance cannot be withdrawn directly; wagering requirements must be met first.
• Withdrawals are generally processed back to the same payment method used for the deposit.

Depositing or withdrawing using a third party's account is prohibited. If detected, the account will be closed and the balance forfeited.

5 Bonuses & Promotional Offers

Joya99 regularly offers various bonuses and promotions. Each bonus offer has its own terms and conditions. By accepting a bonus, you are also agreeing to the specific terms of that bonus.

• Welcome Bonus: Awarded to new members on their first deposit. Each member may receive the welcome bonus only once.
• Wagering Requirement: The bonus amount must be wagered a set number of times before withdrawal (typically 10x–30x).
• Bonus Validity: Every bonus has an expiry date. Any unused bonus will be forfeited once it expires.
• Cashback: Weekly cashback bonuses are granted subject to specific terms and conditions.
• Referral Bonus: Referring a friend may earn both parties a bonus, subject to terms and conditions.

6 Betting Rules & Gameplay Terms

All bets placed at joya99 are considered final. Once a bet is confirmed, it generally cannot be cancelled or changed, though a cashout option may be available where applicable.

• If a match is cancelled in Sports Betting, the bet will be refunded.
• If a game is interrupted due to a technical error, joya99 will settle the bet based on the last valid game state.
• Minimum and maximum bet limits are set individually for each game or market.
• The dealer's decision is final in Live Casino.
• Slot games use RNG technology; all results are completely random.

Joya99 reserves the right to investigate any unusual betting patterns and void related bets. Maximum payout limits for specific events may be set separately.

7 Prohibited Activities

The following activities are strictly prohibited on the joya99 platform:

• Money laundering or transactions involving illegal funds
• Using another person's account or selling/renting out an account
• Using bots, automation software, or artificial intelligence to place bets
• Attempting to hack the system or breach security
• Running multiple accounts to abuse bonuses
• Harassing or defrauding other users
• Attempting to manipulate joya99 markets or odds

8 Account Closure and Suspension

Joya99 reserves the right to suspend or permanently close any account at any time and for any reason. Accounts may be closed in particular under the following circumstances:

• Breach of Terms
• Providing False Information
• Fraudulent Activity
• KYC Verification Failure
• Extended inactivity (more than 12 months)

Users may also voluntarily close their account at any time. Any remaining valid balance will be refunded. A temporary self-exclusion option is also available as part of responsible gaming.

9 Privacy and Data Protection

Joya99 takes the privacy of your personal information very seriously. To learn how we collect, store, and use your data, please refer to our Privacy Policyas described in detail.

Your information is never sold to third parties. However, data may be shared when required by law or at the request of a regulatory authority.

10 Limitation of Liability

Joya99 accepts no liability in the following cases:

• If a game is interrupted due to loss of internet connection
• In the event of a delay caused by a third-party payment gateway
• Account information leaked due to the user's own negligence
• Service disruptions caused by natural disasters or unforeseen circumstances

11 Right to Amend Terms

Joya99 reserves the right to modify, amend, or update these Terms and Conditions at any time. Changes will take effect immediately upon publication on the website.

For significant changes, we will endeavor to notify members via their registered email or through an on-platform notification. Continued use of the platform after any changes constitutes acceptance of the new Terms.

12 Contact & Complaints Process

If you have any questions or complaints regarding these Terms and Conditions, please contact our support team. We offer 24/7 assistance.

• Email: [email protected]
• Live Chat: Click the chat icon at the bottom right of the platform
• Response Time: Usually within 24 hours

After a complaint is submitted, joya99 will endeavor to provide an initial response within 5 business days. More complex matters may take longer.