joy99 Terms & Conditions

In these terms and conditions, "platform" refers to the joy99 website, mobile version, and all related services. "User" or "member" refers to any person who has registered an account or is using the platform. "We" and "joy99" refer to the team operating the platform.

This agreement applies to adults residing in Bangladesh. If you do not agree with these terms, please refrain from using the platform.

To open an account on joy99, the following conditions must be met:

• You must be at least 21 years of age.
• You must hold a valid national identity card or passport.
• You may open an account in your own name as an individual — accounts in the name of corporate entities are not permitted.
• The same person may not hold more than one account.
• joy99 may request documents for identity verification when necessary, and cooperation with such requests is mandatory.

All information provided at the time of registration must be true, accurate, and up to date. joy99 reserves the right to cancel an account and forfeit the balance if false or misleading information is provided.

It is your responsibility to keep your account login details (username and password) confidential. Giving a third party access to your account is prohibited. You are responsible for all transactions carried out from your account. If you suspect unauthorized access, notify our support team immediately.

The following rules apply to transactions on joy99:

• The minimum deposit amount is ৳500.
• The minimum withdrawal amount is ৳500.
• Accepted payment methods: bKash, Nagad, Rocket, Upay, and bank transfer (BRAC Bank, Dutch-Bangla Bank, and other scheduled banks).
• Withdrawal requests are generally processed within 15 minutes to 2 hours.
• Deposits and withdrawals must be made only from a payment account registered in the member's own name.
• Transacting through a third party is prohibited and may result in account suspension.

If an unusual transaction is detected, joy99 may request additional verification. Withdrawals may be temporarily suspended during this time.

joy99 offers a welcome bonus of 100% on the first deposit, up to a maximum of ৳5,000.

• For example: depositing ৳1,000 earns a ৳1,000 bonus — giving a total balance of ৳2,000.
• A 25x wagering requirement must be met before the bonus can be withdrawn.
• Wagering is calculated on the bonus amount only: for example — ৳1,000 bonus × 25 = ৳25,000 must be wagered.
• The validity period for using a bonus is specified at the time of the announcement.
• Attempting to claim bonuses using multiple accounts may result in all accounts being cancelled.
• joy99 reserves the right to change, suspend, or cancel any promotion.

joy99's VIP program has four tiers, each offering a weekly cashback benefit:

• Bronze — up to 0.3% cashback per week
• Silver — up to 0.6% cashback per week
• Gold — up to 0.9% cashback per week
• Platinum — up to 1.2% cashback per week

The criteria for advancing to each tier are determined based on regular activity on the platform. Cashback amounts are added to the account automatically and are withdrawable under applicable terms.

The following activities are strictly prohibited on joy99:

• Bonus abuse or obtaining bonuses through fraudulent means.
• Money laundering or conducting suspicious financial activities.
• Placing bets using automated bots or software.
• Using another person's account or selling an account.
• Attempting to interfere with the platform's security systems.
• Attempting to manipulate game results.
• Harassing or insulting other users.

If such activities are detected, joy99 may cancel the account without notice, forfeit the balance, and take legal action if necessary.

All games on the joy99 platform are operated through trusted software providers such as Pragmatic Play, Evolution Gaming, JILI, PG Soft, Spribe, Ezugi, Microgaming, and NetEnt. These providers operate under their own regulatory authorities.

• Game outcomes are determined through Random Number Generator (RNG) technology.
• If a game is interrupted mid-session due to a technical error, a policy of refunding the wagered amount is followed.
• In live casino games, the dealer's decision is final.
• Any dispute over a result will be resolved through a review of log records.

joy99 offers the opportunity to bet on various sports including cricket, football, badminton, and kabaddi. The following rules apply to sports betting:

• A bet cannot be cancelled once it has been confirmed.
• If a match is abandoned or postponed, bets will be settled according to the relevant rules.
• Odds offered in live betting may change at any time.
• If evidence of match fixing or irregularity is found, all related bets will be declared void.

joy99 believes that betting and gaming should be a form of entertainment, not a source of financial stress. To that end, we provide the following tools:

• The ability to set deposit limits.
• The option to temporarily suspend or permanently close an account.
• A self-exclusion facility to keep yourself away from the platform.

If you face problems with gambling addiction, we encourage you to seek professional help. For more information, visit our Responsible Gaming page.

Protecting your personal information is a priority for joy99. All data is securely stored and transferred using SSL encryption technology. We never sell your personal information to third parties. However, information may be provided to authorities upon legal request.

For more details, see our Privacy Policy.

joy99 services may be temporarily interrupted due to technical errors, maintenance, or unforeseen circumstances. joy99 is not liable for financial losses in such situations, but affected bets will be reviewed and settled fairly.

joy99 may add or discontinue any market, game, or service at any time. Advance notice of such changes will be attempted, though this may not always be possible.

joy99 may suspend or cancel an account in the following cases:

• Violation of any clause of these terms and conditions.
• Failure to complete identity verification.
• A long period of account inactivity.
• Fraudulent or unusual activity.

Users may also request account closure at any time through the support team. An opportunity to withdraw the balance will be given before the account is closed, subject to applicable conditions.

If you have any dispute or complaint, please contact the joy99 support team first:

• Via live chat — available 24/7 in Bengali and English.
• By email: [email protected]

After a complaint is submitted, it will be reviewed within a reasonable time. A decision will be made after analyzing all relevant records and logs. joy99's decision will be considered final.

joy99 reserves the right to change these terms and conditions at any time. A notice will be published on the platform for significant changes. Continued use of the platform after a change will be considered as acceptance of the revised terms.

Therefore, it is a good habit to revisit this page regularly. If you have any questions about a change, please let our support team know.