joya99 Terms and Conditions

1 General Introduction and Definitions

This document sets out the contractual terms and conditions between the joya99 online gaming platform ("Platform") and its users ("Members"). Compliance with these terms is mandatory for every registered member.

• "joya99" or "Platform" refers to the joya99.cam website and all of its services.
• "Member" refers to any registered user who has agreed to these terms and conditions.
• "Account" refers to a member's personal gaming account.
• "Bet" refers to the amount of money placed by a member to participate in a game.
• "Bonus" refers to any additional credits or rewards provided by joya99.

By accessing this platform or creating an account, you automatically agree fully to these terms and conditions. If you disagree with any part of these terms, please refrain from using the platform.

2 Registration and Account Terms

2.1 Eligibility Requirements

To create an account on joya99, you must meet the following requirements:

• You must be at least 21 years of age. Registration on this platform is strictly prohibited for anyone under 21.
• All information provided when opening your account must be accurate, complete, and current.
• You may only have one active account. Creating multiple accounts is strictly prohibited.
• You will operate the account in your own name and for yourself — operating an account on behalf of a third party is not permitted.

2.2 Account Security

It is your responsibility to keep your account password and login details completely confidential. Do not share your password with anyone. If any unauthorized access to your account occurs, notify our support team immediately. The member is responsible for all activity on the account.

2.3 Verification

joya99 reserves the right to verify a member's identity at any time. In such cases, you may be asked to provide a national identity card, passport, or other government-issued documents. We reserve the right to suspend or close an account if verification fails.

3 Deposits, Withdrawals and Payment Policy

3.1 Deposits

The minimum deposit amount on joya99 is ৳100. We support the following payment methods:

• bKash
• Nagad
• Rocket
• Upay

Once successfully processed, all deposits are added to the account instantly. Please provide accurate details when making a deposit — joya99 is not responsible for delays or issues caused by incorrect information.

3.2 Withdrawals

The minimum withdrawal amount is ৳800. Withdrawal requests are generally processed within 15 minutes to 2 hours. The following conditions apply to withdrawals:

• Withdrawals can only be made to the same payment method used for the deposit.
• The specified wagering conditions must be met before withdrawing bonus funds.
• joya99 may request additional verification in cases of unusual activity.
• Withdrawals may be delayed if verification is not completed.

3.3 Currency and Transactions

All transactions on joya99 are conducted in Bangladeshi Taka (BDT / ৳). All transactions are secured by SSL encryption. If you experience any issues during a transaction, please contact our 24/7 support team.

4 Bonuses and Promotional Offers

4.1 Welcome Bonus

New members on joya99 receive a 100% match bonus on their first deposit, up to ৳20,000. For example:

• A deposit of ৳1,000 will earn a ৳1,000 bonus — giving a total balance of ৳2,000.
• A deposit of ৳42,000 will earn a maximum bonus of ৳20,000 — giving a total balance of ৳62,000.

4.2 Wagering Requirements

The wagering requirement for the welcome bonus is 20x (twenty times). This means you must wager an amount equal to the bonus multiplied by 20 before withdrawing bonus funds. Bets must be placed on designated games to meet the wagering requirement.

4.3 General Bonus Terms

• Each promotional offer has its own specific terms and conditions.
• Bonuses cannot be transferred from one account to another.
• joya99 reserves the right to modify, suspend, or cancel any bonus offer.
• Bonuses may be forfeited in cases of bonus abuse or fraudulent activity.
• Claiming multiple bonuses from the same device, IP address, or household is prohibited.

5 VIP Program and Reward Tiers

Loyal members of joya99 can advance through three VIP tiers. Each tier includes a weekly cashback reward:

• Bronze: up to 0.3% cashback per week.
• Silver: up to 0.5% cashback per week.
• Gold: up to 0.8% cashback per week.

Members advance to higher VIP tiers through regular and active participation. VIP tier benefits are provided on a weekly basis. joya99 reserves the right to change the VIP program rules.

6 Gaming Policy and Fair Play Guarantee

6.1 Fair Play

joya99 is committed to ensuring fair play. Our platform uses Random Number Generator (RNG) technology, which makes every outcome completely random and impartial.

6.2 Prohibited Activities

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

• Abusing bonuses or exploiting system errors.
• Operating multiple accounts.
• Accessing or using another person's account.
• Placing bets using any automated software, bot, or artificial intelligence.
• Money laundering or using funds from illegal sources.
• Threatening, harassing, or showing disrespectful behavior toward other members or staff.

6.3 Collusion

If multiple members attempt to collectively and deliberately exploit the platform, it will be treated as collusion and the accounts of everyone involved will be closed.

7 Liability and Limitations

7.1 Acknowledgment of Risk

Online gaming and betting carry financial risk. Members knowingly accept this risk, and joya99 does not guarantee any winnings. joya99 is not responsible in any way for money lost.

7.2 Service Disruptions

The service may be temporarily unavailable due to technical issues, maintenance work, or unforeseen circumstances. In such cases, joya99 will restore the service as quickly as possible but will not accept liability for any loss suffered by a member due to the disruption.

7.3 Third-Party Services

joya99 uses the services of third-party game providers and payment processors. joya99 is not directly responsible for any issues arising from these third parties.

8 Account Closure and Suspension Policy

8.1 Voluntary Closure by Member

Any member may close their account at any time. It is possible to withdraw all valid funds before closing the account. Please contact the support team to close your account.

8.2 Suspension or Closure by joya99

joya99 may suspend or permanently close a member's account for any of the following reasons:

• Violation of these terms and conditions.
• Providing false or misleading information.
• Fraudulent or suspicious activity.
• Failure to pass age verification or use of an account by a person below the permitted age.
• To comply with legal obligations or regulatory directives.

In the event of account closure, valid funds will be returned; however, bonuses or winnings obtained as a result of breaching the terms may be forfeited.

9 Privacy and Data Protection

joya99 gives the highest priority to protecting members' personal information. To read our full privacy policy, visit the Privacy Policy page.

• Members' personal information is not sold to third parties.
• All data is stored securely using SSL encryption.
• Information may be provided to authorities when required to fulfill legal obligations.
• Members may request to update or delete their personal information.

10 Responsible Gaming

joya99 firmly believes in responsible gaming. We want our members to enjoy gaming as a form of entertainment, not as a source of addiction.

• Always play within your means.
• Do not treat gaming as a source of income.
• Avoid gaming when you are under stress or feeling low.
• If you notice signs of gaming addiction, seek professional help.

To learn more about responsible gaming, visit our Responsible Gaming page. This service is only for those aged 21 and above.

11 Dispute Resolution

If you have a dispute or complaint, first try to resolve it through our 24/7 support team. Contact us via live chat or email:

• Email: [email protected]
• Live Chat: available 24/7 from any page on the site

After a complaint is submitted, joya99 will review it within a reasonable time. joya99's decision will be considered final. The platform's transaction records will be used as the final evidence in dispute resolution.

12 Changes to Terms

joya99 reserves the right to change these terms and conditions at any time. Members will be notified of significant changes by email or notification.

Continuing to use the platform after a change takes effect means you are automatically considered to have agreed to the new terms. It is therefore recommended that you check this page regularly.

13 Contact and Support

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

• Email: [email protected]
• Live Chat: instant support in English 24/7
• Support Hours: around the clock (BST UTC+6)

Our support team is ready to provide full assistance. Use live chat for a quick response to any question.