joya 99 Terms and Conditions

These terms and conditions ("Terms") apply to the joya 99 platform and all services under it. "Platform" refers to joya 99's website, mobile application, and all related digital channels. "User" or "you" refers to any person who has created an account on this platform or is using its services.

By accessing the joya 99 platform, registering an account, or using any service, you are considered to have fully read, understood, and agreed to these Terms. If you do not agree with any part of these Terms, you are requested to refrain from using the platform.

joya 99 reserves the right to modify these Terms at any time. Updated Terms will take effect as soon as they are published on the platform. Continued use of the platform after any changes means you have accepted the updated Terms.

2.1 Registration Requirements

To open an account on joya 99, a user must meet the following conditions:

• The applicant must be at least 21 years of age.
• All information provided at the time of registration must be true, accurate, and complete.
• Each person may create only one account. Creating multiple accounts is strictly prohibited.
• The account must be for personal use only; operating an account on behalf of a third party is not permitted.
• The user must not be a resident of any country or region where online gaming is completely prohibited.

2.2 Identity Verification (KYC)

joya 99 reserves the right to verify a user's identity at any time. To complete a deposit or withdrawal, or to claim a bonus, the platform may request a national identity card or equivalent document. Failure to provide documents may result in the account being temporarily suspended.

2.3 Account Security

It is the user's responsibility to keep account login details completely confidential. Changing the password regularly and not sharing it with anyone is mandatory. If unauthorized access to the account is suspected, the joya 99 support team must be notified immediately. The platform will not be liable for any loss arising from the user's own negligence.

3.1 Deposit Methods and Limits

Currently accepted deposit methods on joya 99 are: bKash, Nagad, Rocket, and bank transfer (Dutch-Bangla Bank, BRAC Bank, Islami Bank, and other major commercial banks). The minimum deposit amount is ৳500.

When making a deposit, the name registered on the account must match the name on the payment method. Transactions made under a different name may be held for verification.

3.2 Withdrawal Policy

The minimum withdrawal amount is ৳800. Withdrawals are generally processed within 5 to 30 minutes. Withdrawals can only be made through the same method used for the deposit, unless an exception is approved in specific circumstances.

To withdraw funds earned from a bonus, the specified wagering requirement must be completed. Details are provided in the bonus section below.

3.3 Fraud Prevention

joya 99 monitors every transaction. If evidence of suspicious transactions is found on any account, deposit and withdrawal facilities will be suspended and a decision will be made after a proper investigation.

4.1 Welcome Bonus

New members can claim a 200% bonus on their first deposit, up to ৳5,000. For example: depositing ৳1,000 will add ৳2,000 in bonus, bringing the total balance to ৳3,000. The wagering requirement for this bonus is 20 times the bonus amount — meaning in the above example, bets totalling ৳2,000 × 20 = ৳40,000 must be placed.

4.2 Other Promotions

The following regular promotions are available on joya 99:

• joya 99 Weekly Reload Bonus: 50% of eligible deposits, up to ৳5,000. Wagering 20x. Applicable once per week.
• joya 99 Slot Bonus: 75% of slot deposits, up to ৳8,000. Wagering 25x.
• Birthday Special Gift: Up to ৳1,500. Wagering 15x.
• Refer a Friend Bonus: Up to ৳2,000 per successful referral. Wagering 10x.
• Weekend Cricket Deposit Bonus: 30% of deposits in the cricket section on weekends, up to ৳4,000. Wagering 18x.

4.3 General Bonus Rules

The minimum deposit amount for each bonus is ৳500. The specific conditions of the relevant promotion must be met to claim a bonus. joya 99 reserves the right to modify, suspend, or cancel any bonus offer. In the event of a breach of bonus terms, the bonus and any associated winnings may be forfeited.

5.1 Game Usage Terms

All games available on the joya 99 platform are operated according to set rules. Each game has its own rules, which can be found in the game's interface. In the case of an incomplete round due to a technical error or connection problem, the platform's decision will be considered final.

5.2 Prohibited Activities

The following activities are completely prohibited on the joya 99 platform:

• Betting or gaming using any software, bot, or automated tool.
• Abusing the bonus system or exploiting any loopholes.
• Operating betting in a coordinated or manipulative manner.
• Attempting to access or interfere with another user's account.
• Using the platform for money laundering or any unlawful purpose.

Engaging in any of the above activities will result in the immediate permanent closure of the account and the balance may be forfeited.

5.3 Betting Rules

For sports betting, the responsibility for determining event results lies with the relevant sports federation or authority. Bets will be settled after the result is announced. If a match is abandoned or postponed, bets may be voided or transferred in accordance with the relevant betting rules.

joya 99's VIP program has three tiers: Bronze, Silver, and Gold. A weekly cashback benefit is available at each tier:

• Bronze: Up to 0.5% weekly cashback.
• Silver: Up to 1.0% weekly cashback.
• Gold: Up to 1.5% weekly cashback.

Weekly cashback is calculated based on the net loss for that week (total losses minus total winnings). For example, as a Silver member, if the net loss in a week is ৳20,000, the cashback will be ৳20,000 × 1.0% = ৳200.

VIP tier is determined based on a user's activity and history. The opportunity to advance to a higher tier is open to everyone. joya 99 reserves the right to modify VIP terms, and membership may be cancelled in the event of misuse of VIP benefits.

All content on the joya 99 platform — logos, designs, text, graphics, software code, and game elements — is protected under the intellectual property rights of joya 99 or the relevant third-party providers.

Users may view the platform's content for personal and non-commercial purposes. However, copying, modifying, distributing, or republishing any part of the platform without prior written permission from joya 99 is strictly prohibited.

The user bears full responsibility for any content uploaded to the platform by them (such as profile information). Uploading content that is offensive, unlawful, or infringes the rights of third parties is prohibited.

Details on how a user's personal information is collected, stored, and used are provided in joya 99's Privacy Policy. That policy is an integral part of these Terms.

joya 99 uses SSL encryption and a secure payment gateway to protect users' financial and personal information. However, joya 99 acknowledges that complete security on the internet cannot be guaranteed.

To meet legal obligations, prevent fraud, or maintain security, joya 99 may be required to provide user information at the request of authorities.

joya 99 believes that gaming is for entertainment and should never be seen as a solution to financial problems. joya 99's Responsible Gaming Guidelines contain detailed information on self-control, setting limits, and accessing professional help.

Users can set deposit limits, bet limits, or a voluntary account break for a specified period on their own account. The support team can be contacted to use these options.

If signs of gaming addiction appear, seeking professional help immediately is advised. joya 99 is able to connect users with appropriate support organisations if needed.

10.1 Service Warranty

The joya 99 platform is provided on an "as is" basis. joya 99 is not liable for any loss caused by technical errors, server outages, third-party service failures, or internet connectivity issues.

10.2 Maintenance

The platform may be temporarily unavailable during scheduled or emergency maintenance. joya 99 is not obligated to provide any compensation for such interruptions.

10.3 Third-Party Content

The joya 99 platform may contain content from third-party game providers. joya 99 is not directly responsible for the quality or accuracy of such content.

11.1 Voluntary Account Closure

Any user may request account closure at any time. All pending withdrawals must be completed before the account is closed, and any active bonuses will be cancelled.

11.2 Account Closure by joya 99

joya 99 reserves the right to temporarily or permanently close an account in the following circumstances:

• Violation of any clause of these Terms.
• Involvement in fraud, manipulation, or unlawful activity.
• Creating an account with incorrect or false information.
• The same person holding multiple accounts.
• Failure to provide requested documents for verification within the specified time.

joya 99's customer service team is active seven days a week, twenty-four hours a day. Support is available in both Bengali and English. Contact channels: live chat and email ([email protected]).

If you have a complaint, first try to resolve it through the support team. For answers to common questions, visit joya 99's FAQ section, where solutions to common issues are explained in detail.

If a resolution is not reached through the support team, the matter can be formally raised with joya 99 management. joya 99 takes every complaint seriously and makes every effort to resolve it as quickly as possible.

The formulation and interpretation of these Terms will be governed by the applicable law of the designated jurisdiction. Any dispute arising from these Terms will be subject to an attempt at resolution through negotiation.

If a dispute cannot be resolved through discussion, it will be settled through arbitration. The arbitration decision will be binding on both parties.

If any clause of these terms is found to be invalid or unenforceable, the remaining clauses will remain fully in effect. The invalidity of one clause will not affect the terms as a whole.

joya 99 reserves the right to change these terms and conditions at any time. For significant changes, users will be notified by email or through a notice on the platform.

Continued use of the platform after changes are published will be considered acceptance of the updated terms. It is therefore advised to visit this page regularly.

For more information about joya 99, read our introduction and history page, which contains details about the platform's goals and services.