Zoya 99 Terms & Conditions – User Agreement & Policies

1. General Terms & Conditions

Zoya 99 ("we", "us", "the platform") is an online gaming service offering slots, Sports Betting, bingo, and Live Casino games. By using this platform, you ("user", "member", "player") agree to the terms and conditions set out below.

By registering, logging in, or using any service on zoya 99, you are deemed to have read, understood, and accepted these terms and conditions in full. If you do not agree, please refrain from using this platform.

Although these terms are provided in Bengali, the English version shall be considered the authoritative text in the event of any legal dispute. zoya 99 reserves the right to amend these terms at any time. Continued use of the platform after any changes constitutes acceptance of the updated terms.

2. Account Registration & Management

To register with zoya 99, you must provide accurate and complete information. Your name, date of birth, address, and contact details must all be filled in correctly. Accounts created with false information may be suspended at any time and any balance held may be forfeited.

• Each individual may hold only one account. Creating multiple accounts under the same person is strictly prohibited.
• Keeping your account password confidential is your responsibility. Do not share your password with anyone.
• Sharing or transferring your account to another person is strictly prohibited.
• If you notice any suspicious activity on your account, please notify our support team immediately.
• Completing the KYC (Know Your Customer) verification process is mandatory before withdrawals.

Account Verification

Zoya 99 may request identity verification documents at any time to ensure security. These may include a national ID card, passport, or other government-issued identification. Failure to submit valid verification documents may delay or suspend the withdrawal process.

3. Deposit & Payment Policy

Deposits on zoya 99 can be made via mobile banking, bank transfer, or approved electronic wallets. All deposits must be made from a payment method registered in your own name.

• Using a payment method registered in a third party's name is strictly prohibited.
• The minimum deposit amount may vary in accordance with the platform's set limits.
• All transactions are processed in Bangladeshi Taka (BDT).
• Funds are typically credited to your account within a few minutes of a successful deposit.
• If a deposit is delayed due to a technical issue, please contact our support team.

4. Bonus & Promotion Terms

Zoya 99 regularly offers a variety of bonuses and promotional deals. Each bonus comes with its own terms and conditions, which you should read carefully before accepting any offer.

Wagering Requirements

Most bonuses require a specific wagering requirement to be met. For example, if a bonus carries a 20x wagering requirement and the bonus amount is BDT 1,000, a total of BDT 20,000 must be wagered before any withdrawal can be made.

• Bonus funds and personal deposit funds are kept separately.
• Completing the wagering requirement is mandatory before withdrawing any winnings earned from a bonus.
• Two bonuses may not run concurrently during an active bonus period.
• Bonuses are generally valid for 7 to 30 days — the timeframe specified in each individual offer applies.
• Any attempt to claim bonuses through fraudulent means will result in the cancellation of the bonus and any associated winnings.

5. Gameplay Rules & Policies

All games on zoya 99 are powered by an internationally certified Random Number Generator (RNG). Every spin, card draw, or outcome is entirely random and never predetermined.

If a technical issue arises mid-game – such as a disconnection or server problem – the outcome will be determined based on technical logs. In such situations, zoya 99's decision is final.

6. Withdrawal Policy

Your account must be fully verified before any withdrawal can be processed. Withdrawal requests will not be accepted without verification. Withdrawals can only be made to the same payment method used for the original deposit.

• Standard withdrawals may take between 24 and 72 hours to process.
• VIP members enjoy express withdrawals – processed in as little as 15 minutes in some cases.
• Withdrawal requests below the minimum amount will be declined.
• Withdrawals may be placed on hold while a verification process is underway.
• Unusual withdrawal patterns may be subject to additional verification.

7. Prohibited Activities

The following activities are strictly prohibited on zoya 99. Involvement in any of them will result in immediate account suspension or permanent closure, and any balance held may be forfeited.

• Multiple accounts: Operating multiple accounts under the same identity.
• Bots & Automation: Using automated software, bots, or scripts in any game.
• Bonus Abuse: Fraudulently claiming bonuses or withdrawing without meeting the required conditions.
• Money laundering: Any attempt to launder illicit funds through the platform.
• Third-party payments: Using a payment method not registered in your own name.
• Hacking or Cheating: Any attempt to hack the platform's systems or manipulate game outcomes.
• Registration by minors: Operating an account in the name of, or on behalf of, any individual under the age of 18.

8. Limitation of Liability

Zoya 99 is committed to delivering the highest quality of service; however, our liability will be limited under certain circumstances.

• Zoya 99 is not liable for any disruption to gameplay caused by loss of internet connectivity or issues with your device.
• If an unexpected technical error affects the outcome of any game, we will investigate and resolve the matter accordingly.
• Zoya 99 is not directly liable for transaction delays caused by issues on the part of third-party payment providers.
• Any loss resulting from a user's account credentials being accessed by another party is the sole responsibility of the user.

9. Dispute Resolution

For any dispute or complaint, please reach out to our customer service team first. Most issues can be resolved directly through open communication.

If a matter cannot be resolved through customer service, a complaint may be filed with zoya 99's licensing authority. We take all legitimate complaints seriously and aim to resolve them as quickly as possible.

In the event of a dispute, zoya 99's platform logs and data will be treated as the authoritative record. Any decision made by a third-party mediator will be binding on both parties.

10. Amendments & Termination

Zoya 99 reserves the right to change, amend, or update these terms and conditions at any time. For significant changes, we will endeavour to notify members via their accounts, though this cannot be guaranteed.

Continued use of the platform after any changes have been made will be considered acceptance of the updated terms. We recommend reviewing this page regularly.

Should zoya 99 decide to close your account for any reason, any valid balance will be returned — however, active bonuses or disputed funds will be subject to review. You may also contact our support team regarding an account closure decision.