joya9ba Terms & Conditions

To open and operate a joya9ba account, you must satisfy all of the following eligibility criteria at the time of registration and at all times thereafter while your account remains active:

• You must be at least 18 years of age. This is an absolute, non-negotiable requirement. joya9ba does not permit access to any part of its platform — including its free-play, demo, or promotional sections — by individuals under 18 years of age.
• You must be registering as an individual acting on your own behalf, not as an agent or representative of any third party.
• You must not be a resident of, or accessing the platform from, any jurisdiction in which online gambling is explicitly prohibited under applicable law.
• You must not be a current employee, contractor, director, or officer of joya9ba, nor an immediate family member of such a person, unless written consent has been obtained from joya9ba's compliance department.
• You must not be subject to any self-exclusion agreement — either imposed by joya9ba or self-requested — that remains in effect at the time of registration or login.
• You must have full legal capacity to enter into binding contracts under the laws applicable in your jurisdiction of residence.

Age Verification

joya9ba applies a strict Know Your Customer (KYC) process. At any point during your use of the platform — and particularly at the point of first withdrawal request — joya9ba may require you to submit documentary evidence of your age and identity. Acceptable documents include, but are not limited to, a valid National Identity Card (NID) issued by the Government of Bangladesh, a valid passport, or a government-issued driving licence. Failure to provide satisfactory documentation within the requested timeframe may result in suspension of your account and withholding of any pending withdrawal.

If joya9ba discovers at any time that a player is, or was, under the age of 18 at the time of registration or at any point during which they accessed the platform, joya9ba will immediately close the account, void all bets placed during the period of underage access, and retain all deposits and winnings in accordance with responsible gaming obligations. This policy is applied without exception and without entitlement to appeal by the underage player.

When you register a joya9ba account, you agree to provide accurate, complete, and current information. The information you supply at registration forms the basis of your player profile and is used for identity verification, payment processing, and responsible gaming compliance. Providing false, misleading, or incomplete registration information constitutes a material breach of these Terms & Conditions and may result in immediate account closure.

Registration Requirements

• You must provide your real legal name as it appears on your government-issued identification documents.
• You must provide a valid, active email address to which you have exclusive access. This email will be used for account communications, password resets, and verification notices.
• You must provide a valid mobile phone number registered in Bangladesh, as this may be required for two-factor authentication and bKash/Nagad payment verification.
• You must choose a unique username and a strong password. Your password should not be shared with any third party.
• You must confirm that you are 18 years of age or older and that you have read and agreed to these Terms & Conditions and joya9ba's Privacy Policy.

Single Account Policy

Each individual may register and maintain only one active joya9ba account. If joya9ba determines that a player holds more than one account — whether under the same or different personal details — joya9ba reserves the right to close all duplicate accounts, void any bets placed through them, and withhold any balances pending investigation. Where duplicate accounts are linked to bonus abuse, the affected funds may be forfeited in their entirety.

Account Security Responsibilities

You are solely and entirely responsible for maintaining the security of your joya9ba login credentials. You must not disclose your username, password, or any account recovery information to any other person. joya9ba will never ask for your password via email, telephone, or any channel other than the official joya9ba.net login interface. Any unauthorised access to your account that results from your failure to maintain credential security is your responsibility, and joya9ba accepts no liability for losses incurred as a result of such unauthorised access.

You must notify joya9ba's support team immediately — by contacting [email protected] — if you suspect that your account has been accessed by an unauthorised party. joya9ba will take reasonable steps to investigate the report and, where appropriate, suspend the account pending resolution.

Account Accuracy and Updates

You are responsible for keeping your account information accurate and up to date. If any of your registration details change — including your mobile phone number, email address, or residential address — you must update your account profile promptly. Failure to maintain accurate account details may delay or prevent the processing of withdrawal requests and may impair joya9ba's ability to comply with its KYC and anti-money laundering obligations.

All financial transactions on joya9ba — including deposits, withdrawals, bonus credits, wager settlements, and account adjustments — are conducted exclusively in Bangladeshi Taka (BDT). No foreign currency deposits are accepted, and no currency conversion is applied. The account balance displayed in your joya9ba profile represents the exact BDT amount available to you at that point in time.

Accepted Deposit Methods

joya9ba accepts deposits via the following payment channels:

• bKash — the primary and most widely used deposit method among joya9ba players in Bangladesh.
• Nagad — fast mobile financial service available to players nationwide.
• Rocket (Dutch-Bangla Bank Mobile Banking) — accepted for both deposits and withdrawals.
• Upay — accepted for deposits and withdrawals via the Upay mobile application.
• Visa and Mastercard — accepted via PCI-DSS compliant payment gateways for players who prefer card-based transactions.
• BRAC Bank and Dutch-Bangla Bank — direct bank transfer options available for larger transactions.

Deposit Limits and Processing

The minimum single deposit amount is ৳200. There is no stated maximum deposit limit per transaction, though joya9ba's payment processors may apply their own transaction caps — particularly for mobile financial service (MFS) transfers via bKash, Nagad, and Rocket, which are subject to Bangladesh Bank guidelines. Deposits are generally credited to your joya9ba account balance within minutes of a confirmed payment. joya9ba accepts no responsibility for delays caused by third-party payment processors or banking institutions.

Withdrawal Policy

Withdrawal requests are processed in the order received. For fully KYC-verified accounts, withdrawals to bKash and Nagad are typically completed within 15 minutes during operational hours. Withdrawals to Rocket, Upay, and bank accounts may take up to 24 hours depending on the processing schedules of the recipient institution.

• The minimum withdrawal amount is ৳500.
• Withdrawals must be made to a payment method registered in the same name as the joya9ba account holder. Third-party withdrawals are not permitted under any circumstances.
• joya9ba reserves the right to request additional KYC documentation before processing any withdrawal, regardless of whether documentation has been provided previously.
• Withdrawal requests may be delayed or withheld if joya9ba has reasonable grounds to suspect fraudulent activity, bonus abuse, or a breach of these Terms & Conditions pending investigation.
• joya9ba does not charge internal fees on withdrawals. However, third-party transaction fees charged by bKash, Nagad, Rocket, or your bank are outside joya9ba's control and may be deducted by the respective service provider.

Anti-Money Laundering

joya9ba is committed to preventing the use of its platform for money laundering or the financing of any unlawful activity. All transactions are monitored. joya9ba will report suspicious activity to the relevant authorities as required by applicable law. Players must not use the joya9ba platform to process funds derived from unlawful activity. Any account found to be involved in money laundering will be immediately suspended, its funds frozen, and the matter referred to the appropriate law enforcement authorities without prior notice to the account holder.

joya9ba offers a range of promotional bonuses and incentives to both new and existing players. All bonuses are offered at joya9ba's sole discretion, are subject to the general terms set out in this section, and may also be subject to individual promotion-specific terms communicated at the time the offer is made. In the event of a conflict between these general bonus terms and an individual promotion's specific terms, the specific terms of that promotion prevail.

Bonus Eligibility

• Bonuses are available to eligible players who have completed registration and, where required, completed identity verification (KYC).
• Unless a promotion explicitly states otherwise, each player is entitled to claim a specific bonus offer only once. Attempting to claim the same bonus more than once — including through duplicate accounts — constitutes bonus abuse and is prohibited.
• Bonuses are non-transferable and may not be exchanged for cash outside of the wagering requirement process.
• joya9ba reserves the right to exclude specific players from any promotional offer at its discretion, without being required to provide a reason.

Wagering Requirements

Bonus funds credited to your joya9ba account must be wagered a specified number of times before any portion of the bonus or associated winnings may be withdrawn. The applicable wagering multiplier for each promotion will be stated clearly in the promotion's terms. For example, a ৳1,000 bonus with a 10x wagering requirement must be wagered ৳10,000 in total qualifying bets before a withdrawal of bonus-derived funds is permitted.

• Only bets placed using bonus funds contribute to wagering requirements. Real-money bets placed alongside bonus funds may or may not contribute, depending on the specific promotion terms.
• Different game types may carry different wagering contribution rates. Slots typically contribute 100%, while live casino and sports betting markets may contribute at a reduced rate (e.g., 10%–50%). Contribution rates for each promotion will be stated in the promotion's terms.
• Wagering requirements must be completed within the validity period of the bonus. Bonus funds and associated winnings that remain unconverted at the expiry of the validity period will be forfeited automatically.

Bonus Abuse

joya9ba employs automated monitoring to detect patterns consistent with bonus abuse, including but not limited to: betting on all outcomes of a game, placing low-risk bets exclusively to clear wagering requirements, coordinating with other players to exploit promotional offers, and registering multiple accounts to claim a bonus more than once. Where bonus abuse is detected, joya9ba reserves the right to void the bonus, void all bets placed while the bonus was active, and close the account without notice. In severe or repeated cases, joya9ba may refer the matter to relevant authorities.

Promotional Changes

joya9ba reserves the right to alter, suspend, or withdraw any promotion, bonus, or special offer at any time and without prior notice. Seasonal promotions aligned with events such as Eid, Pohela Boishakh, the BPL cricket season, or the T20 World Cup are time-limited and subject to their own specific terms issued at the time of each promotion.

The following activities are strictly prohibited on the joya9ba platform. Engaging in any of the following — whether directly, indirectly, or in collaboration with other parties — constitutes a material breach of these Terms & Conditions and may result in immediate account suspension, permanent closure, forfeiture of account balance, and where applicable, legal action.

Fraudulent and Deceptive Conduct

• Providing false, misleading, or fraudulent registration information, including name, age, address, or payment method ownership.
• Impersonating any other person or entity, including joya9ba staff, for any purpose whatsoever.
• Attempting to access, interfere with, or manipulate joya9ba's systems, databases, software, or network infrastructure.
• Using stolen, fraudulently obtained, or unauthorised payment methods to fund a joya9ba account.

Cheating and Game Manipulation

• Using any automated software, bot, script, algorithm, or artificial intelligence tool to interact with joya9ba's games, betting markets, or platform interface in a manner that provides an unfair advantage over other players or joya9ba.
• Colluding with other players to gain an unfair advantage in any game, tournament, or betting market.
• Exploiting software bugs, display errors, or system glitches — whether in games, odds feeds, bonus systems, or payment processing — to obtain winnings that would not otherwise be payable. Any winnings derived from a recognised technical error are void and will not be paid.
• Engaging in any activity that constitutes match-fixing, spot-fixing, or insider betting in any sports market available on joya9ba.

Financial Misconduct

• Depositing funds derived from illegal activity or using joya9ba accounts as a vehicle for money laundering.
• Engaging in charge-backs on credit or debit card deposits after using the deposited funds for wagering.
• Attempting to withdraw funds that have not been properly wagered in compliance with these terms or with applicable bonus terms.

Platform Misuse

• Using the joya9ba platform for any commercial purpose — including advertising, scraping, data harvesting, or marketing — without express written consent from joya9ba.
• Attempting to reverse-engineer, decompile, disassemble, or otherwise derive the source code of joya9ba's software or games.
• Posting or transmitting offensive, defamatory, harassing, or unlawful content through any communication channel associated with joya9ba.

joya9ba reserves the right to suspend, restrict, or permanently close any player account at any time, with or without prior notice, where joya9ba has reasonable grounds to do so. Reasons for which joya9ba may take such action include, without limitation:

• A breach or suspected breach of any provision of these Terms & Conditions.
• Failure to satisfy age verification or KYC requirements within the stated timeframe.
• Suspicion of fraudulent, criminal, or money-laundering activity associated with the account.
• Receipt of a charge-back notification from a payment processor or financial institution.
• Behaviour that is abusive, threatening, or otherwise harmful toward joya9ba staff or other players.
• A legal, regulatory, or compliance obligation that requires joya9ba to restrict or close the account.
• Account inactivity: accounts with no login activity for a period of 12 consecutive months may be classified as dormant. joya9ba will notify the account holder via email before applying any dormancy-related account restrictions.

Effect of Suspension

During a period of account suspension, the player will not be able to log in, place bets, request withdrawals, or access any part of the joya9ba platform. Pending bets placed prior to the suspension will be settled in accordance with their normal terms. Withdrawal requests submitted prior to suspension may be placed on hold pending the outcome of the investigation that prompted the suspension. Where the investigation concludes that no breach occurred, withheld funds will be released promptly.

Voluntary Account Closure

Players may request the closure of their joya9ba account at any time by contacting support at [email protected]. Upon receiving a closure request, joya9ba will process the closure within one business day, subject to the settlement of any outstanding bets and the completion of any pending withdrawal requests. Bonus funds that have not satisfied their wagering requirements at the time of voluntary closure will be forfeited.

Self-Exclusion

Players who wish to take a break from gambling for responsible gaming reasons may use joya9ba's self-exclusion tool, accessible directly from the account settings page. Self-exclusion can be applied for defined periods (30 days, 60 days, 180 days) or permanently. Once activated, self-exclusion takes effect immediately. Requests to lift a self-exclusion before the selected period has expired are subject to a mandatory cooling-off period. joya9ba strongly encourages any player who feels that gambling is having a negative impact on their life to use self-exclusion without hesitation. Further guidance is available on the Responsible Gaming page.

To the maximum extent permitted by applicable law, joya9ba, its officers, directors, employees, contractors, agents, affiliates, and technology partners shall not be liable to any player for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with the player's use of the joya9ba platform, including but not limited to:

• Loss of profits, loss of revenue, or loss of anticipated savings arising from wagering outcomes.
• Loss of data, loss of account access, or loss of account balance caused by circumstances outside joya9ba's reasonable control, including force majeure events, third-party payment processor failures, or telecommunication network outages.
• Technical errors, system failures, or display errors that affect the presentation of odds, game results, or account balances — provided that joya9ba takes prompt corrective action upon becoming aware of the error.
• Interruptions to service during scheduled or emergency maintenance periods.
• Unauthorised access to a player's account resulting from the player's failure to maintain adequate credential security.

Platform Availability

joya9ba does not warrant that the platform will be available on an uninterrupted, error-free, or delay-free basis at all times. While joya9ba takes all reasonable measures to ensure platform uptime — particularly during high-traffic periods such as live BPL matches and major cricket tournaments — scheduled maintenance windows and unforeseen technical issues may periodically affect availability. joya9ba will communicate planned maintenance periods to registered players in advance wherever practicable.

Third-Party Services

joya9ba's platform relies on third-party software providers (including game studios such as Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Ezugi) and payment processors (including bKash, Nagad, Rocket, and Upay). joya9ba does not accept liability for failures, errors, or delays caused by these third parties, though joya9ba will act in good faith to resolve player complaints arising from such issues as quickly as reasonably possible.

Maximum Liability Cap

Where joya9ba is found to be liable to a player under applicable law notwithstanding the limitations set out above, joya9ba's total aggregate liability to that player in respect of any single incident or series of related incidents shall not exceed the total amount deposited by the player into their joya9ba account in the 30 calendar days immediately preceding the incident giving rise to the claim.

Amendments to These Terms

joya9ba reserves the right to amend, update, or replace any part of these Terms & Conditions at any time and without liability to any player. Where changes are material — for example, changes affecting withdrawal procedures, bonus eligibility, or player obligations — joya9ba will notify registered players via email to their registered address and/or via a prominent notice displayed on the joya9ba.net homepage. The updated Terms & Conditions will take effect from the date stated in the notification.

Your continued use of the joya9ba platform following the effective date of any amendment constitutes your acceptance of the revised Terms & Conditions in full. If you do not agree with the amended terms, you must cease using the platform and may request voluntary account closure in accordance with Section 6 of this document. Pending bets and withdrawal requests submitted before the effective date of the amendment will be governed by the version of the Terms & Conditions in effect at the time of submission.

Severability

If any provision of these Terms & Conditions is found by a competent court or authority to be invalid, unlawful, or unenforceable in whole or in part, that provision (or the relevant part of it) shall be deemed severed from these Terms & Conditions. The remaining provisions shall continue in full force and effect and shall not be affected by the invalidity or unenforceability of the severed provision.

Entire Agreement

These Terms & Conditions, together with joya9ba's Privacy Policy and Responsible Gaming Policy, constitute the entire agreement between you and joya9ba with respect to your use of the platform and supersede all prior agreements, representations, warranties, and understandings, whether written or oral, relating to the same subject matter.

Language

These Terms & Conditions are published in English. In the event of any inconsistency or ambiguity between an English version of these terms and any translated version that joya9ba may publish for informational purposes, the English version shall prevail.

Contact and Correspondence

All formal correspondence relating to these Terms & Conditions — including legal notices, dispute escalations, and KYC-related queries — should be directed to joya9ba's support team. The contact email for such correspondence is: [email protected]. Please include your registered account username and a clear description of the matter in all correspondence to ensure a prompt response. joya9ba aims to respond to all formal correspondence within five business days of receipt.