Zoya 99 Terms and Conditions — Know Your Rights

01 Introduction

Welcome to Zoya 99. These Terms and Conditions ("Terms") form a legally binding agreement between you ("Player", "User", "you") and Zoya 99 ("we", "us", "the platform"). By accessing, registering on, or using any part of the Zoya 99 platform at zoya-99.vip, you confirm that you have read, understood, and agreed to these Terms in full.

Zoya 99 is an online gaming and sports betting platform built specifically for players in Bangladesh. We offer live casino games, fishing games, sports betting, bingo, and casual titles — all accessible via mobile or desktop browser. Our payment system is built around bKash, Nagad, and Rocket, the three mobile payment platforms most widely used in Bangladesh.

These Terms apply to every interaction you have with Zoya 99 — from registration and deposits to gameplay, bonus claims, and withdrawals. If you do not agree with any part of these Terms, you should not use the Zoya 99 platform. Continued use of the platform after any update to these Terms constitutes acceptance of the revised version.

02 Eligibility

To register and use Zoya 99, you must meet all of the following eligibility requirements at the time of registration and at all times during your use of the platform:

• You must be at least 18 years of age. Zoya 99 does not permit underage gambling under any circumstances.
• You must be accessing the platform from a jurisdiction where online gaming is not explicitly prohibited for you personally.
• You must not be a current employee, contractor, or close family member of a Zoya 99 employee or contractor.
• You must not have been previously excluded or banned from the Zoya 99 platform for any reason.
• You must be registering as an individual, not on behalf of a company or third party.

Zoya 99 reserves the right to request age verification documents at any time. If you cannot verify your age when asked, your account will be suspended and any pending withdrawals will be held until verification is complete. Zoya 99 takes age verification seriously and will not process withdrawals for unverified accounts where a concern has been raised.

03 Account Rules

Each player is permitted to hold only one active account on the Zoya 99 platform. Creating multiple accounts — whether under the same name, the same device, the same IP address, or the same payment method — is strictly prohibited. If duplicate accounts are detected, Zoya 99 will close all associated accounts and may forfeit any balances held within them.

When registering at Zoya 99, you must provide accurate and truthful information. This includes your real name, a valid phone number, and any other details requested during the registration process. Providing false information is a breach of these Terms and will result in account suspension.

You are solely responsible for all activity that takes place under your Zoya 99 account. This includes all bets placed, all deposits made, and all withdrawals requested. You must keep your login credentials — username and password — confidential at all times. Zoya 99 will never ask you to share your password via any channel.

• Use a strong, unique password for your Zoya 99 account.
• Do not share your account with any other person.
• Log out of your account when using a shared or public device.
• Contact Zoya 99 support immediately if you suspect unauthorised access to your account.
• Keep your registered phone number active — it is used for account verification and withdrawal confirmation.

Zoya 99 is not liable for any losses resulting from unauthorised access to your account where you have failed to keep your credentials secure. However, if you report a security concern promptly, our team will investigate and take appropriate action as quickly as possible.

04 Deposits & Withdrawals

Zoya 99 processes all deposits and withdrawals through bKash, Nagad, and Rocket. These are the only accepted payment methods on the platform. No bank transfers, international cards, or cryptocurrency payments are accepted at this time.

Deposits: All deposits to your Zoya 99 wallet are credited instantly upon confirmation from the payment provider. Minimum deposit amounts are displayed at the time of transaction. Zoya 99 does not charge any fees on deposits, though your mobile payment provider may apply their own charges.

Withdrawals: Withdrawal requests at Zoya 99 are typically processed within 10 minutes. Larger withdrawal amounts may require a brief identity verification step before processing. Minimum and maximum withdrawal limits apply and are displayed in the withdrawal section of your account. Zoya 99 does not charge withdrawal fees, but your payment provider's standard charges may apply.

• Withdrawals can only be sent to the same payment method used for your most recent deposit.
• Your account name must match the name registered with your bKash, Nagad, or Rocket account.
• Zoya 99 reserves the right to request identity verification before processing any withdrawal.
• Withdrawals will not be processed to third-party accounts under any circumstances.
• Bonus funds must meet wagering requirements before they can be withdrawn.

05 Bonuses & Promotions

Zoya 99 offers a range of bonuses and promotions to both new and existing players. All bonuses are subject to the specific terms stated at the time the offer is presented. These Terms provide the general framework that applies to all Zoya 99 promotions unless a specific promotion states otherwise.

All bonuses at Zoya 99 are subject to wagering requirements. This means you must wager the bonus amount — or the bonus plus deposit amount, depending on the offer — a specified number of times before the resulting balance becomes eligible for withdrawal. The wagering requirement for each bonus is clearly stated when the offer is presented.

• Bonuses are credited to your Zoya 99 account automatically or upon request, depending on the promotion type.
• Only one bonus can be active at a time unless the promotion explicitly states otherwise.
• Zoya 99 reserves the right to withdraw any bonus offer at any time without prior notice.
• Bonuses obtained through fraudulent means — including the use of multiple accounts — will be cancelled and the associated account suspended.
• Free spins and free bet bonuses are subject to the same wagering requirements unless stated otherwise.
• Zoya 99 may set game-specific contribution rates toward wagering requirements. For example, some games may contribute less than 100% toward clearing a bonus.

06 Games & Betting

Zoya 99 offers a wide range of games including live casino, fishing games, sports betting, bingo, and casual titles. All games on the Zoya 99 platform use certified Random Number Generator (RNG) systems or live dealer feeds from licensed providers. Game outcomes are determined fairly and cannot be influenced by the platform or any player.

Sports betting at Zoya 99 — including beach volleyball and other live markets — is subject to the following rules: all bets are final once confirmed, odds are subject to change before confirmation, and Zoya 99 reserves the right to void bets in cases of obvious pricing errors or technical faults.

• All bets placed at Zoya 99 are final once the confirmation screen is shown.
• Zoya 99 reserves the right to void any bet placed on an event where the result was already known at the time of betting.
• In the event of a technical failure during a game or bet, Zoya 99 will review the session log and resolve the situation fairly.
• Minimum and maximum bet limits apply to all games and are displayed within each game interface.
• Zoya 99 may suspend or remove any game from the platform at any time without prior notice.

If you experience a technical issue during gameplay at Zoya 99 — such as a disconnection or a game freeze — do not close your browser. Contact support with your game session ID and the issue will be investigated. Zoya 99 maintains full session logs for all games and can reconstruct any interrupted session.

07 Prohibited Activities

The following activities are strictly prohibited on the Zoya 99 platform. Engaging in any of these activities will result in immediate account suspension, permanent closure, and forfeiture of all funds held in the account. Zoya 99 may also report serious violations to relevant authorities.

• Fraud: Any attempt to deceive Zoya 99 through false information, fake payment confirmations, or identity misrepresentation.
• Collusion: Coordinating with other players to gain an unfair advantage in any game, particularly live casino or sports betting markets.
• Automated betting: Using bots, scripts, or any automated software to place bets or interact with the Zoya 99 platform.
• Bonus abuse: Creating multiple accounts, using false identities, or exploiting technical errors to claim bonuses unfairly.
• Money laundering: Using Zoya 99 to process funds obtained through illegal activity. All suspicious transactions are reported to relevant authorities.
• Chargebacks: Initiating a chargeback or payment dispute after funds have been used for betting at Zoya 99.
• Hacking or interference: Any attempt to access, modify, or disrupt the Zoya 99 platform, its servers, or its data.

08 Responsible Gaming

Zoya 99 is committed to promoting responsible gaming. We believe that gaming should be an enjoyable form of entertainment — not a source of financial stress or personal harm. We provide a range of tools to help players stay in control of their gaming activity.

• Deposit limits: Set daily, weekly, or monthly deposit limits on your Zoya 99 account to control your spending.
• Session reminders: Enable time alerts that notify you how long you've been playing in a single session.
• Self-exclusion: Request a temporary or permanent self-exclusion from the Zoya 99 platform at any time by contacting support.
• Reality checks: Periodic pop-up reminders showing your session duration and net gaming activity.

If you believe your gaming is becoming a problem, please visit our Responsible Gaming page for detailed guidance and support resources. You can also contact our support team directly — they are trained to handle these conversations with care and without judgment.

09 Privacy & Data

Zoya 99 collects and processes personal data in accordance with our Privacy Policy. By registering at Zoya 99, you consent to the collection and use of your personal information as described in that policy. Your data is used to operate your account, process transactions, verify your identity, and improve the Zoya 99 platform.

Zoya 99 does not sell your personal data to third parties. We may share data with payment processors (bKash, Nagad, Rocket) and identity verification services as required to operate the platform. All data sharing is governed by our Privacy Policy and applicable data protection standards.

• Your account data is stored securely using industry-standard encryption.
• You have the right to request a copy of the data Zoya 99 holds about you.
• You may request deletion of your account and associated data by contacting support, subject to legal retention requirements.

10 Account Termination

You may close your Zoya 99 account at any time by contacting our support team. Upon closure, any remaining balance (excluding bonus funds that have not met wagering requirements) will be returned to your registered payment method within a reasonable timeframe.

Zoya 99 reserves the right to suspend or permanently close any account at any time if we determine that a player has breached these Terms, engaged in prohibited activities, or poses a risk to the integrity of the platform. In cases of serious breach, balances may be forfeited.

• Accounts inactive for more than 12 months may be subject to a monthly inactivity fee as stated in the account settings section.
• Zoya 99 will notify you by email or SMS before applying any inactivity fee.
• Closed accounts cannot be reopened. If you wish to return to Zoya 99 after closing your account, you must register a new account — subject to eligibility requirements.

11 Limitation of Liability

Zoya 99 provides the platform on an "as is" basis. While we work hard to ensure the platform is available and functioning at all times, we cannot guarantee uninterrupted access. Scheduled maintenance, technical issues, or circumstances beyond our control may occasionally affect availability.

To the maximum extent permitted by applicable law, Zoya 99 is not liable for any indirect, incidental, or consequential losses arising from your use of the platform. This includes — but is not limited to — losses resulting from technical failures, delayed withdrawals caused by payment provider outages, or decisions made based on incorrect odds displayed due to a technical error.

Zoya 99's total liability to any player in connection with any single incident shall not exceed the amount deposited by that player in the 30 days preceding the incident. This limitation does not apply to cases of gross negligence or wilful misconduct by Zoya 99.

12 Changes to Terms

Zoya 99 reserves the right to update or modify these Terms at any time. When changes are made, the "Last Updated" date at the top of this page will be revised. For significant changes, Zoya 99 will notify registered players via SMS or email at least 7 days before the changes take effect.

Your continued use of the Zoya 99 platform after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree with the updated Terms, you should stop using the platform and contact support to close your account.

13 Contact Us

If you have any questions about these Terms and Conditions, or if you need clarification on any point before registering at Zoya 99, please contact our support team. We're available 24 hours a day, 7 days a week.

• Email: [email protected]
• Support hours: 24/7, every day of the year
• Response time: Most queries resolved within the same session

For responsible gaming concerns, please visit our dedicated Responsible Gaming page. For general questions about the platform, visit our FAQ page.