joya999 bd Terms and Conditions

1Introduction to the Service and Its Scope

joya999 bd is an online gaming and sports betting platform operated for users in Bangladesh. These terms and conditions ("Terms") apply to the use of joya999 bd and all related services.

These Terms are written in Bengali and have been prepared with Bangladeshi users in mind. By accessing the site, creating an account, or using any service, you are considered to have agreed to these Terms. If you do not agree with any part of these Terms, please refrain from using the site.

To learn more about our operations and the scope of our services, you may read our About Us page.

2Registration Requirements

To open an account and use any service on joya999 bd, you must meet the following requirements:

• You must be 21 years of age or older.
• You must register using your real identity — creating an account with false information is strictly prohibited.
• Only one account per person is allowed. Creating multiple accounts may result in all accounts being terminated.
• The mobile number, email address, and personal details provided at registration must be accurate and up to date.
• The account holder must use this platform of their own free will and with clear personal consent.

3Account Security and Use

You are solely responsible for keeping your account secure. Please follow these rules at all times:

• Never share your password with anyone. You must not allow any third party to use your account.
• If you believe your account has been accessed without authorization, contact customer support immediately.
• Never give the OTP or verification code used to log in to your account to anyone else.
• Identity verification may be required to make changes to your account details.
• joya999 bd will never ask for your password or OTP by email or phone — any such request may be a fraud attempt.

joya999 bd may request a copy of your national ID card or passport at any time to complete the account verification (KYC) process. Withdrawals may be held until verification is complete.

4Financial Transaction Rules

All financial transactions on joya999 bd are conducted in Bangladeshi Taka (৳). The following terms apply to all deposits and withdrawals:

• Minimum Deposit: ৳500 (per method).
• Minimum Withdrawal: ৳1,000.
• Accepted Methods: bKash, Nagad, Rocket, and Upay are accepted for both deposits and withdrawals.
• Withdrawal Processing Time: Usually completed within 5 to 30 minutes.
• You must use a payment account registered in your own name — transactions from accounts in another person's name are not accepted.
• joya999 bd may request additional verification or delay processing for unusual or suspicious transactions.

5Claiming Bonuses and Wagering Requirements

joya999 bd offers various types of bonuses and promotional offers. These offers are provided subject to the terms stated below:

Welcome Bonus: 100% bonus on the first deposit, up to ৳20,000. The wagering requirement is 10 times the bonus amount. That is, depositing ৳1,000 earns a ৳1,000 bonus giving a balance of ৳2,000 — but a total of ৳10,000 must be wagered before the bonus can be withdrawn.

Weekly joya999 bd Deposit Reward: 50% bonus on any deposit once per week, up to ৳10,000. Wagering requirement: 15 times the bonus. Minimum deposit ৳500.

joya999 bd Slot Festival Bonus: 30% bonus on deposits made for slot games, up to ৳6,000. Wagering requirement: 20 times the bonus. Once per week.

Cricket Season Special Offer: 40% bonus on deposits for cricket or sports betting, up to ৳8,000. Wagering requirement: 12 times the bonus. Once per week.

• Bonus funds cannot be withdrawn directly as cash — they become withdrawable only after the wagering requirement has been met.
• Multiple bonuses cannot be claimed at the same time unless a specific promotional term states otherwise.
• joya999 bd reserves the right to modify or cancel any promotional offer.
• If evidence of bonus abuse or manipulation is found, the account may be terminated and deposited funds may be forfeited.

6Rules for Placing Bets and Playing Games

joya999 bd offers various gaming services including casino games, sports betting, live casino, and fishing games. The following rules apply to all types of betting and gaming:

• Once a bet is confirmed, it cannot be changed or cancelled, unless approved by the platform due to a technical error.
• If a bet or game session is left incomplete due to an internet disconnection, the data stored on the server will be considered final.
• Game outcomes are determined using Random Number Generator (RNG) technology, which is fully impartial.
• For sports betting, bets will be settled after the official result is announced.
• If incorrect odds or payouts are announced due to a technical error or data feed issue, joya999 bd reserves the right to cancel those bets.

7Strictly Forbidden Actions

The following activities are strictly prohibited on joya999 bd:

• Attempting to gain unauthorized access to another person's account or steal their information.
• Using bots, automated software, or any technical means to influence the game or betting system.
• Creating multiple accounts to claim bonuses or rewards more than once.
• Using the platform for money laundering or depositing funds from illegal sources.
• Harassing other members, engaging in offensive behavior, or disrupting the normal environment of the platform.
• Match fixing or placing bets based on any illegal information.
• Managing an account on behalf of a minor.

If evidence of any of the above activities is found, the account will be permanently terminated and all deposited funds may be forfeited.

8VIP Tiers and Cashback Policy

joya999 bd's VIP program has four levels: Bronze Silver Gold Platinum. Cashback is given at each level based on weekly net losses:

• Bronze: up to 0.2% of the week's net losses.
• Silver: up to 0.5%.
• Gold: up to 0.8% — example: if net losses for the week are ৳20,000, cashback is ৳20,000 × 0.8% = ৳160.
• Platinum: up to 1.0%.

Weekly cashback is calculated at the applicable rate on the amount remaining after total winnings are deducted from total losses for that week. Regular and active participation allows advancement to higher VIP levels.

joya999 bd reserves the right to modify the terms of the VIP program at any time. Account verification must be complete to receive cashback.

9Use of Personal Information

joya999 bd collects, stores, and processes your personal information. This information is used only for providing services, verifying accounts, completing financial transactions, and complying with applicable laws.

To learn in detail how we use, store, and protect your information, please read our Privacy Policy page. These Terms and the Privacy Policy together form a complete agreement.

• Your information is not sold to third-party advertisers.
• Limited information may be shared with partner organizations that assist in providing the service, only where necessary.
• You may request a review or correction of your stored information at any time.

10Service Limitations and Disclaimer

joya999 bd is committed to providing the highest standard of service. However, our liability is limited in the following areas:

• Any loss caused by the user's internet connection being interrupted.
• Losses arising from issues with third-party software or devices.
• Unavailability of service due to unexpected technical errors, server outages, or scheduled maintenance.
• Unauthorized access to an account resulting from the user's own negligence.

Online gaming and betting carry financial risk. Be aware of these risks before participating on joya999 bd, and only play with money you can afford to lose.

11Account Closure Procedure

joya999 bd may temporarily suspend or permanently terminate an account in the following situations:

• Violation of any provision of these Terms.
• Registering with a false identity or forged documents.
• Evidence of suspicious financial activity or an attempt at fraud.
• Extended inactivity (after a specified period, with prior notice).

You may also request account closure at any time. In that case, any verified balance will be processed for withdrawal. As part of responsible gaming, options to set account limits or temporarily self-exclude are also available — see our Responsible Gaming Guidelines for details.

12Complaints and Resolution Process

If you have a concern about a transaction, bet outcome, or service, please follow the steps below:

• Step 1: Contact customer support directly through 24/7 live chat. Most issues are resolved at this step.
• Step 2: If the issue is not resolved via live chat, send a detailed description by email. Our team provides support in both Bengali and English over email.
• When submitting a complaint, clearly state your account ID, date, amount, and a description of the issue.
• joya999 bd tries to respond to all complaints within a reasonable time.

For common questions, you will find answers to many topics on our Frequently Asked Questions (FAQ) page.

13Document Update Policy

joya999 bd reserves the right to change, add to, or remove these terms at any time. In case of changes:

• For significant changes, members will be notified in advance by email or via a notice on the platform.
• If you continue to use the site after changes are made, you will be considered to have accepted the new terms.
• The latest version will always be published on this page.

It is in your own interest to review this page regularly.

14Support Channels

If you have any questions, comments, or complaints about these terms, please contact us:

• Live Chat: Direct support is available 24 hours a day, 7 days a week — in both Bengali and English.
• Email: [email protected] — complaints sent by email will be responded to within a reasonable time.

Our customer service team is always ready to help resolve your issues. Use live chat for a faster response.