Joya 99 Terms & Conditions — Read the Full Version in English

These Terms & Conditions constitute a legal agreement between the joya 99 platform and its users. By using the joya 99 website, mobile app, or any related service, you automatically agree to these terms.

Joya 99 is an international online betting platform serving users in Bangladesh and several other countries. The platform operates under a valid license and complies with international betting regulations.

Joya 99 reserves the right to update these terms at any time. Users will be informed of significant changes via their registered email or platform notifications.

To open an account on joya 99, the following conditions must be met. Creating an account outside these conditions is prohibited and may result in legal consequences.

• Applicants must be 18 years of age or older.
• All information provided at registration must be accurate, complete, and up to date.
• Each individual may register only one account.
• Keeping your account password confidential is your responsibility.
• Sharing or selling your account to another person is strictly prohibited.
• Registering with a false name, address, or phone number will result in account termination.

The following rules apply to all deposits and withdrawals on joya 99. We are committed to ensuring every financial transaction is transparent and secure.

• Only payment methods registered in your own name may be used.
• All active bonus wagering requirements must be met before a withdrawal can be processed.
• joya 99 reserves the right to place payments on hold for any suspicious transactions until verification is complete.
• All transactions are monitored in compliance with international anti-money laundering regulations.

Keep the following rules in mind when placing bets on joya 99. These rules apply equally to all users.

Once a bet is confirmed, it cannot be cancelled. However, in certain cases, in-play bets may be eligible for cash-out within a specified time window.

• Bets placed before a match begins will be treated as pre-match bets.
• Odds in live betting may change in real time.
• If a match is abandoned or postponed, bets are generally cancelled and stakes are refunded.
• joya 99 reserves the right to void any bet where odds were displayed incorrectly due to a technical error.
• A maximum bet limit per event is in place and is subject to change.
• If match fixing or abnormal betting patterns are identified, the relevant bets and winnings will be voided.

Joya 99 regularly offers a variety of bonuses and promotional deals. Each offer comes with specific terms and conditions that are clearly stated on the offer page.

Wagering requirements apply to all bonuses, meaning bonus funds must be wagered a set number of times before withdrawal. This rate typically ranges from 20x to 30x but is specified individually for each offer.

• Each user is eligible to receive the welcome bonus only once.
• Bonus balances cannot be withdrawn directly; wagering requirements must be completed first.
• Any unused bonus will be automatically cancelled once the offer expires.
• Any attempt to claim bonuses through multiple accounts or proxies will result in all bonuses being cancelled.
• For referral bonuses, the referred person must complete at least one qualifying deposit.

The following activities are strictly prohibited on the joya 99 platform. Any violation will result in immediate account closure.

• Hacking an account or attempting unauthorized access to another user's account.
• Placing bets using bots or automated software.
• Match fixing or betting using insider information.
• Using the platform for money laundering or illegal financial activities.
• Exploiting system vulnerabilities or bugs to gain an unfair advantage.
• Harassing or defrauding other users.
• Creating multiple accounts to claim bonus benefits.

Joya 99 reserves the right to suspend or permanently close an account for any of the reasons listed below. Any decision may be appealed through the support team.

• If evidence of Terms & Conditions violations is found.
• Failing KYC verification or providing false information.
• When unusual or suspicious betting patterns are detected.
• When a user requests Self-Exclusion.
• By order of legal authorities.

Any valid balance remaining at the time of account closure will be returned through the appropriate method once the investigation is complete, unless there are grounds for forfeiture.

Joya 99 strives to deliver the highest quality of service. However, there are limitations to the platform's liability, as outlined below.

• joya 99 is not liable for any bets lost due to internet connection issues.
• Limited liability applies for delays caused by third-party payment gateway errors.
• joya 99 is not liable if a user's account credentials are compromised due to the user's own negligence.
• Compensation may not be possible if the service is temporarily unavailable due to an unexpected technical fault.

Protecting your personal information is our priority. Details provided at registration are used solely for service operation and verification purposes.

• Personal information is never sold to third parties.
• User information is not shared with authorities unless required by law.
• All data is stored on servers secured with SSL encryption.
• For more details, visit our Privacy Policy here.

Joya 99 reserves the right to partially or fully amend these terms and conditions at any time. Users will be notified via their registered email prior to any significant changes.

Continued use of the platform after any changes are made will be considered acceptance of the updated terms. If you do not agree to the new terms, you may request to close your account.

Any dispute between joya 99 and a user will first be addressed through mutual discussion.

• Step 1: Submit a written complaint to the support team.
• Step 2: An initial response will be provided within 48 hours.
• Step 3: A final decision on complex matters will be communicated within 7 business days.
• If a resolution cannot be reached, the matter may be referred to an independent third-party mediator.

For any disputes, please contact us at: support@joya99.wine