These Terms and Conditions govern your use of the Joya 99 platform. Please read them carefully before creating an account or placing any bets. By registering with Joya 99, you confirm that you have read, understood, and agreed to everything set out here.
Key Points
The full terms are below, but here are the six most important things every Joya 99 player should understand before they start.
Joya 99 is strictly for adults. You must be at least 18 years old to register and play. We verify age during registration and reserve the right to request identity documents at any time. Accounts found to belong to minors will be closed immediately and any balance forfeited.
Each player is allowed exactly one Joya 99 account. Duplicate accounts — whether under the same name, same device, same IP address, or same payment method — are not permitted. If we detect multiple accounts linked to one person, all accounts may be suspended and balances reviewed.
Joya 99 processes withdrawals back to the same bKash, Nagad, or Rocket account used for the original deposit. This is a security measure to prevent fraud and money laundering. You cannot withdraw to a different mobile banking account than the one you deposited from.
All bonuses and promotional credits offered by Joya 99 are subject to wagering requirements before they can be withdrawn. The specific requirements are stated in each promotion. Attempting to withdraw bonus funds before meeting the wagering requirement will result in the bonus being forfeited.
Joya 99 has zero tolerance for fraud, collusion, bonus abuse, chargebacks, or any attempt to manipulate game outcomes. If we detect any of these activities on your account, the account will be suspended immediately, any balance may be withheld pending investigation, and the matter may be referred to relevant authorities.
Joya 99 provides deposit limits, session time reminders, cooling-off periods, and self-exclusion options to all players. These tools are available in your account settings at any time. We encourage every player to use them. If gaming is causing you problems, please visit our Responsible Gaming page or contact support.
Full Legal Terms
Important: By creating a Joya 99 account or using any part of the Joya 99 platform, you agree to be bound by these Terms and Conditions in full. If you do not agree, you must not use the platform. These terms apply to all players regardless of how they access Joya 99 — via browser, mobile app, or any other method.
To register and use Joya 99, you must meet all of the following requirements at the time of registration and at all times while your account remains active:
Joya 99 reserves the right to request proof of age and identity at any point. Acceptable documents include a national ID card, passport, or driving licence. If you fail to provide satisfactory documentation within the timeframe requested, your account may be suspended until verification is complete.
By registering, you confirm that all information you provide is accurate, complete, and up to date. Providing false information during registration is a breach of these Terms and Conditions and may result in immediate account closure.
Each individual is permitted to hold only one Joya 99 account. Joya 99 uses a combination of device fingerprinting, IP address monitoring, and payment method tracking to identify duplicate accounts. If duplicate accounts are detected, all accounts associated with that individual may be suspended and any balances held pending investigation.
You are solely responsible for maintaining the security of your Joya 99 account credentials. You must not share your username or password with any other person. Joya 99 will not be liable for any losses resulting from unauthorised access to your account caused by your failure to keep your credentials secure.
If you believe your account has been accessed without your authorisation, you must contact Joya 99 support immediately at [email protected]. We will investigate and take appropriate action, which may include temporarily locking your account while the investigation is ongoing.
Joya 99 accounts are personal and non-transferable. You may not sell, transfer, or assign your account or any credits, bonuses, or winnings associated with it to any other person.
Joya 99 accepts deposits via bKash, Nagad, and Rocket. All deposits are processed in Bangladeshi Taka (BDT). The minimum deposit amount is ৳5. There is no maximum deposit limit, though Joya 99 reserves the right to apply limits to individual accounts at its discretion.
Deposits are credited to your Joya 99 wallet immediately upon confirmation from the payment provider. If a deposit does not appear in your wallet within 15 minutes of completing the transaction, please contact support with your transaction reference number.
Withdrawals are processed back to the same mobile banking account used for the original deposit. This policy exists to prevent fraud and comply with anti-money laundering requirements. You cannot withdraw to a different account than the one you deposited from.
Withdrawal requests are processed by the Joya 99 payments team. Most withdrawals are completed within minutes. In some cases, particularly for larger amounts or accounts undergoing verification, processing may take up to 24 hours. Joya 99 does not charge fees on withdrawals, though your mobile banking provider may apply their own charges.
Joya 99 reserves the right to request additional verification before processing any withdrawal. This may include proof of identity, proof of payment method ownership, or source of funds documentation. Failure to provide requested documentation may result in the withdrawal being delayed or declined.
Funds deposited into your Joya 99 wallet are held for gaming purposes only. Joya 99 does not pay interest on wallet balances. Inactive accounts — those with no login or transaction activity for 12 consecutive months — may be subject to an inactivity fee of ৳50 per month, deducted from the wallet balance.
Joya 99 offers bonuses and promotional credits to players from time to time. All bonuses are subject to the specific terms stated in the relevant promotion, in addition to these general Terms and Conditions. In the event of any conflict between a promotion's specific terms and these Terms and Conditions, the promotion's specific terms take precedence.
Unless otherwise stated in the promotion terms, the following general bonus rules apply to all Joya 99 bonuses:
Joya 99 monitors accounts for bonus abuse, including but not limited to: creating multiple accounts to claim the same bonus, placing low-risk bets designed solely to meet wagering requirements, or exploiting errors in bonus calculations. Any account found to be abusing bonuses will have the bonus and associated winnings forfeited and may be subject to account closure.
All games available on Joya 99 use certified Random Number Generators. Game results are independently verified and statistically random. Joya 99 does not manipulate game outcomes and the published RTP figures for each game are accurate.
Once a bet has been confirmed and accepted by the Joya 99 system, it cannot be cancelled or reversed. It is your responsibility to ensure that your bet details are correct before confirming. Joya 99 will not refund bets placed in error by the player.
In the event of a technical fault, disconnection, or system error during a game round, Joya 99 will attempt to resolve the round using the last recorded game state. If this is not possible, the bet amount will be returned to your wallet. Joya 99 is not liable for any losses caused by technical issues beyond its reasonable control.
Joya 99 reserves the right to void any bet or game round where there is evidence of a technical error, data feed failure, or any other circumstance that has materially affected the integrity of the game. In such cases, the bet amount will be returned to the player's wallet.
Minimum and maximum bet limits apply to all games on Joya 99. These limits are displayed within each game. Joya 99 reserves the right to adjust bet limits at any time without prior notice.
Joya 99 is committed to promoting responsible gaming. We provide the following tools to all registered players, accessible through your account settings at any time:
If you choose to self-exclude, Joya 99 will make every reasonable effort to ensure you cannot access the platform during the exclusion period. However, it remains your responsibility to avoid attempting to circumvent the exclusion. Any account opened in breach of a self-exclusion will be closed immediately and any balance forfeited.
If you are concerned about your gaming habits or those of someone you know, please visit our Responsible Gaming page for further information and support resources. You can also contact our support team at any time — we are available 24/7.
The following activities are strictly prohibited on the Joya 99 platform. Engaging in any of these activities will result in immediate account suspension and may result in legal action:
Joya 99 actively monitors accounts for prohibited conduct using automated systems and manual review. If prohibited conduct is detected, Joya 99 reserves the right to suspend the account, withhold any balance pending investigation, void any bets or winnings associated with the prohibited activity, and report the matter to relevant authorities where required by law.
Joya 99 reserves the right to suspend or close any player account at any time, with or without prior notice, for any of the following reasons:
If your account is closed due to a breach of these Terms and Conditions, any balance in your wallet at the time of closure may be forfeited. If your account is closed for any other reason, your remaining wallet balance will be returned to your registered payment method after any applicable deductions.
You may request to close your own Joya 99 account at any time by contacting support at [email protected]. Account closure requests are processed within 48 hours. Any pending bets at the time of closure will be settled according to their normal outcome before the account is closed.
Joya 99 provides its platform on an "as is" and "as available" basis. While we make every effort to ensure the platform is available and functioning correctly at all times, we do not guarantee uninterrupted access or error-free operation.
To the maximum extent permitted by applicable law, Joya 99 shall not be liable for:
Nothing in these Terms and Conditions limits Joya 99's liability for fraud, gross negligence, or any other liability that cannot be excluded under applicable law.
You acknowledge that online gaming involves financial risk and that you may lose money. Joya 99 is not responsible for any financial losses you incur through gaming on the platform. You should only ever gamble with money you can afford to lose.
Joya 99 reserves the right to update or amend these Terms and Conditions at any time. When we make material changes, we will notify registered players via email or an in-platform notification at least 7 days before the changes take effect.
Your continued use of the Joya 99 platform after the effective date of any changes constitutes your acceptance of the updated Terms and Conditions. If you do not agree with the updated terms, you must stop using the platform and may request account closure by contacting support.
The date at the top of this page reflects when these Terms and Conditions were last updated. We recommend reviewing this page periodically to stay informed of any changes.
For any questions about these Terms and Conditions, please contact the Joya 99 support team at [email protected]. Our team is available 24 hours a day, 7 days a week, and will respond to your query as quickly as possible.