Zoya 99 Terms & Conditions – A Complete Guide for Members

1 Introduction & General Terms

Welcome to zoya 99. These terms and conditions constitute a legal agreement governing your use of the zoya 99 platform. By visiting our website, registering, or using any of our services, you are deemed to have read and accepted these terms in full.

We want every member to clearly understand their rights and what we expect from them. That's why these terms and conditions are written in plain, straightforward language that anyone can easily follow.

These terms apply to all zoya 99 services — Sports Betting, casino games, live games, promotions, and all other features. Our Privacy Policy and Responsible Gaming Policy also apply alongside these terms.

Zoya 99 is a legitimate, licensed online gaming platform. We are committed to transparency and fairness in everything we do. Our goal is to provide every member with a safe and enjoyable gaming environment.

2 Account Registration & Eligibility

To open an account with zoya 99, you must meet the following requirements. Failure to comply may result in account cancellation, and any deposited funds may not be refunded.

• You must be at least 18 years old to register.
• Each individual may only operate one account.
• All information provided at registration must be accurate and up to date.
• You must use a mobile number and payment method registered in your own name.
• Users from restricted countries or regions are not eligible to register.
• KYC verification must be completed before withdrawing above a specified amount.

For account verification, we may request a National ID, passport, or birth certificate. This helps protect our platform from fraudulent activity and keeps your account secure.

To update account details such as your name, email, or phone number, please contact our support team. Changes are typically completed within 24–48 hours upon submission of the required documents.

3 Deposit & Withdrawal Policy

All financial transactions at zoya 99 are fully secure and transparent. We support all major mobile banking services in Bangladesh. However, the following rules must be strictly followed for every transaction.

Deposit Rules:

• Deposits must be made only from a bKash, Nagad, or Rocket number registered in your own name.
• The minimum deposit amount is ৳200 and the maximum is fixed per transaction.
• Deposits are typically credited to your account within 5–15 minutes.
• Deposits made through a third party will be cancelled and refunded.

Withdrawal Rules:

• Withdrawal requests are typically processed within 15 minutes to 3 hours.
• Minimum withdrawal amount is ৳500.
• KYC verification must be completed prior to making a withdrawal.
• Withdrawals may only be made to the same payment method used for the deposit.
• We reserve the right to temporarily hold withdrawals in cases of suspicious activity.

4 Bonus & Promotion Terms

Zoya 99 regularly offers a variety of bonuses and promotions. Each bonus has its own terms and conditions. Please read the relevant terms carefully before claiming any bonus.

• The welcome bonus is available to new members once only.
• Each bonus has specific wagering requirements, typically 10–30 times the bonus amount.
• If wagering requirements are not completed before the bonus expires, the bonus will be forfeited.
• Multiple bonuses cannot be used simultaneously unless explicitly stated.
• Any attempt to abuse bonuses or exploit the system will result in the cancellation of all bonuses and winnings.
• zoya 99 reserves the right to modify or cancel any bonus offer at any time.

Cashback bonuses are generally credited on a set day each week. The amount is based on your net losses and carries no wagering requirement — it can be withdrawn directly.

5 Betting Rules

The following rules are mandatory when placing bets at zoya 99. These rules apply to all Sports Betting and casino games.

• Once a bet is confirmed, it cannot be changed or cancelled.
• If an event is cancelled or unsettled, the bet will be refunded.
• If incorrect odds are displayed due to a technical error, the affected bets will be deemed void.
• Betting based on match fixing or insider information is strictly prohibited.
• Payouts may be withheld if suspicious betting patterns are detected.
• Maximum winnings are subject to limits that vary by event.

In live betting, odds can change at any moment. The odds displayed at the time your bet is confirmed are final. If a bet fails due to a connection issue, it must be placed again manually.

Each casino game is governed by its own rules — please refer to the in-game rules. In Live Casino, the dealer's decision is final.

6 Security & Account Protection

Keeping your account secure is a shared responsibility. zoya 99 uses state-of-the-art SSL encryption technology. That said, you also need to take certain precautions on your end.

• Never share your password with anyone — including our support agents.
• Use a strong password and update it regularly.
• If you notice any suspicious login activity or transactions, notify us immediately.
• Avoid logging in over public Wi-Fi.
• Always log out of your account after each session.

If your account has been accessed without your authorization, or if you have forgotten your password, please contact our support team immediately. We will secure your account as quickly as possible.

7 Responsible Gaming Policy

Zoya 99 believes gaming is for entertainment, not addiction. We encourage all our members to play responsibly. Your well-being is our top priority.

• You can set daily, weekly, or monthly deposit limits for yourself.
• A cooling-off option is available, allowing you to take a temporary break from your account.
• You can request self-exclusion for an extended break.
• If you are affected by a gambling problem, we will connect you with professional support.

To learn more about our Responsible Gaming policy, Responsible Gaming Visit the page. Remember, asking for help is never a sign of weakness.

8 Account Suspension & Closure

Zoya 99 reserves the right to temporarily suspend or permanently close your account for any of the following reasons:

• Registering with false information.
• Operating multiple accounts.
• Attempting to abuse bonuses or exploit the system.
• Involvement in money laundering or any illegal financial activity.
• Harassing other users or staff members.
• Attempting to compromise the security or integrity of the platform.

You may request to close your account at any time. Please withdraw any remaining balance before closing your account. Any balance remaining at closure will be returned through the standard process, though bonus balances are non-refundable.

9 Policy on Changes to Terms

Zoya 99 reserves the right to update or modify these Terms and Conditions, in part or in full, at any time. Members will be notified of any changes through the following methods:

• Posting a notice on the website homepage.
• Sending a notification to your registered email address.
• Updating the "Last Updated" date at the top of this page.

For major changes, a minimum of 7 days' notice will be given before they take effect. Minor changes may take effect immediately. Continued use of the platform after any changes constitutes acceptance of the updated terms.

10 Contact & Dispute Resolution

If you have any questions about these Terms and Conditions or wish to file a complaint, please contact us. Our Bengali-speaking support team is available 24/7, every day of the week.

• Email: support@zoya99.ws
• Live Chat: Use the chat button in the bottom-right corner of the website.
• Help Center: Help Center Page visit us.

We will provide an initial response within 48 hours of receiving a complaint. Complex cases may take up to 7 business days to resolve. We take every complaint seriously and are committed to ensuring a fair outcome.

Any disputes or legal matters arising from these Terms will first be addressed through negotiation. If a resolution cannot be reached, the applicable legal process will be followed.