joia99 Terms and Conditions

These terms and conditions ("Terms") form a legally binding agreement between the joia99 platform and its users ("you" or "Member"). By accessing the joia99 website, creating an account, or using any service, you will be deemed to have automatically accepted these Terms.

These Terms are written in Bengali and apply to users in Bangladesh. If you disagree with any part of these Terms, please do not use any joia99 services. For any doubts or questions, contact our 24/7 live chat support.

General Provisions and Definitions

The following words and terms used in these Terms are defined as follows:

• "Platform" — the joia99 website and its applications.
• "Member" — any person registered on joia99.
• "Services" — cricket betting, slots, live casino, card games and other entertainment activities.
• "Bonus" — additional funds or credits granted under our promotional offers.
• "Wagering Requirement" — the obligation to place bets a specified number of times before a bonus can be withdrawn.
• "KYC" (Know Your Customer) — the identity verification process.

These Terms must always be read together with the Privacy Policy and Responsible Gaming Policy. In the event of a conflict, these main Terms will take precedence.

Account Registration and Eligibility

2.1 Age Requirement

To register on joia99 and use its services, you must be 21 years of age or older. We are committed to preventing underage gambling. If it is established that a Member is under 21, their account will be closed immediately and deposited funds may be withheld.

2.2 One Person, One Account

Each person may create only one account. Creating multiple accounts using the same device, IP address, identity document, or payment method is strictly prohibited. Violating this rule may result in the permanent closure of all accounts.

2.3 Accuracy of Registration Information

All information provided at registration — name, date of birth, mobile number and payment details — must be accurate and truthful. joia99 reserves the right to close an account if false information is provided.

2.4 Identity Verification (KYC)

Before processing a withdrawal, joia99 may at any time request identity verification documents, which may include:

• A photo of the National ID (NID) or passport.
• Proof of ownership of the mobile wallet account.
• Any document as proof of current address.

joia99 reserves the right to hold withdrawals until KYC verification is complete.

Account Security

Ensuring the security of your joia99 account is entirely your responsibility. The following must be observed:

• Keep your password confidential — do not share it with anyone.
• Use a strong and unique password and change it regularly.
• Always log out after using your account, especially on shared devices.
• If you notice any suspicious activity, notify us immediately via live chat.

joia99 will not be liable for any loss resulting from sharing your login details with a third party. All activities carried out through the account will be considered your own.

Deposits and Withdrawals

4.1 Deposit Rules

The following payment methods can be used to deposit funds into joia99: bKash, Nagad, Rocket, Upay and bank transfer. The minimum deposit amount for each method is ৳300.

4.2 Withdrawal Rules

The minimum withdrawal amount is ৳1,000. Withdrawal requests are generally processed within 10 to 45 minutes, though delays may occur if KYC verification is pending.

4.3 Withdrawal Terms

• Withdrawals can only be made to the same payment method used for the deposit.
• The name on the account and the name on the payment account must be identical.
• joia99 reserves the right to verify any withdrawal request and to request additional information if needed.
• Withdrawals may be held if fraudulent activity is suspected.

Bonuses and Promotional Offers

5.1 Welcome Bonus

New members will receive a 150% bonus on their first deposit, up to a maximum of ৳15,000. For example: depositing ৳1,000 gives you a ৳1,500 bonus (total balance ৳2,500); depositing ৳22,000 gives you the maximum ৳15,000 bonus (total balance ৳37,000).

5.2 Wagering Requirement

Before withdrawing a bonus, you must wager 25 times the bonus amount. Example: if you receive a ৳1,500 bonus, you must complete a total of ৳37,500 (৳1,500 × 25) in bets before withdrawing.

5.3 General Bonus Terms

• Each member may claim a bonus offer only once.
• Bonuses are not transferable as cash or gifts.
• Not all game types may count equally towards fulfilling the wagering requirement.
• Every bonus has a set validity period — expired bonuses will be cancelled.
• In cases of bonus abuse or breach of terms, the bonus and any associated winnings may be forfeited.
• joia99 reserves the right to modify or cancel any bonus offer at any time.

5.4 VIP Program

joia99's VIP program has 5 tiers. Weekly cashback benefits are available at each tier:

• Bronze: up to 0.2% weekly cashback.
• Silver: up to 0.3% weekly cashback.
• Gold: up to 0.5% weekly cashback.
• Platinum: up to 0.6% weekly cashback.
• Diamond: up to 0.8% weekly cashback.

You can advance to higher VIP tiers through continued active participation. VIP benefits will be communicated via separate notifications and are subject to change.

Betting Rules

6.1 General Betting Terms

Once a bet is placed on joia99, it is considered final and generally cannot be changed. A bet may be voided in the following circumstances:

• The event is cancelled or suspended before the scheduled time.
• Incorrect odds are displayed due to a technical error.
• The outcome of the event cannot be determined impartially.

6.2 Cricket Betting

Bets can be placed on BPL, IPL, T20 World Cup, ICC events and other international cricket tournaments. If a match is cancelled or incomplete, deposited funds will be returned. If a match result is disputed for any reason, joia99's decision will be final.

6.3 Live Betting

In live betting, odds can change rapidly. If the odds displayed at the time of placing a bet change, a confirmed bet will still be settled at those original odds.

6.4 Casino Games

All casino games are operated on an "as is" basis. Game outcomes are determined by a Random Number Generator (RNG) and fairness is ensured. The game software providers' own rules may also apply.

Prohibited Activities

The following activities are strictly prohibited on joia99 and may result in account closure:

• Creating or operating multiple accounts.
• Using another person's account.
• Abusing bonuses or engaging in bonus arbitrage.
• Placing bets using software bots or automated methods.
• Exploiting technical errors in games.
• Conducting money laundering or illegal financial activities.
• Harassing or behaving unethically towards other members of the platform.
• Using fraudulent or stolen payment details.
• Placing bets through fraudulent collaboration.

If any of the above activities are found, joia99 reserves the right to close the relevant account and forfeit all balances. Legal action may be taken if necessary.

Privacy and Data Protection

joia99 is committed to protecting your personal information. Our platform uses SSL encryption technology to keep all data secure. Please read our Privacy Policy for full details on how your information is collected, stored and used.

Your personal information will never be sold to third parties. However, information may be provided in response to lawful requests from regulatory authorities or where legally required.

Our data security measures include: SSL encryption, secure payment gateway, two-factor authentication, and regular security audits.

Responsible Gaming

joia99 takes responsible gambling very seriously. We believe that playing should be for entertainment — not as a solution to financial problems.

The following tools are available on our platform:

• Deposit Limit: Set a daily, weekly, or monthly deposit limit.
• Loss Limit: Set a maximum loss amount for a given period.
• Self-Exclusion: Suspend your account for a specified period if needed.
• Reality Check: Track your playing time and spending.

For support with gambling addiction, contact our 24/7 live chat support or visit our responsible gaming page.

21+  This service is for users aged 21 and above only.

Account Closure and Suspension

10.1 Closure at Member's Request

You can request to close your account at any time via live chat. Please withdraw any remaining balance before closing your account.

10.2 Closure by joia99

joia99 may close or suspend any account for the following reasons:

• Involvement in prohibited activities as described in Section 7.
• Providing false identity or information.
• Failure to complete KYC verification or failure to submit required documents.
• Extended inactivity of the account.
• Instructions from legal or regulatory authorities.

10.3 Inactive Accounts

Accounts with no login for more than 12 months may be marked as "inactive" and a monthly maintenance fee may apply. Contact live chat to reactivate your account.

Limitation of Liability

joia99 is not liable for the following:

• Any loss caused by internet disconnection.
• Failure of third-party software or services.
• Loss resulting from your own negligence or sharing your login credentials.
• Incorrect odds being displayed due to technical errors.
• Force majeure events (natural disasters, government restrictions, etc.).

In any circumstance, joia99's maximum liability will be proportional to the value of the transaction concerned. We are not liable for indirect or consequential damages (such as lost earnings or psychological harm).

joia99 is a safe and reliable platform. We are always committed to ensuring fair play.

Changes to Terms and Conditions

joia99 reserves the right to change these terms and conditions at any time. In the case of significant changes, members will be notified as early as possible via email or through the platform.

Continuing to use the platform after any changes will be considered acceptance of the revised terms and conditions. We recommend that you visit this page regularly.

12.1 Contact

For any questions or complaints regarding these terms, please contact us:

• 24/7 Live Chat Support — via the platform.
• Email: [email protected]

Our support team provides service in Bengali and is ready to resolve any issue you may have.

Important Notice: These terms and conditions were last updated in January 2026. These terms apply to the use of all services on joia99. This document is written in Bengali and the Bengali version shall be considered authoritative in case of any dispute. Thank you for reading the full terms and conditions.