Joa99 Terms and Conditions —
Please Read Before Use

1 General Terms & Conditions

Joa99 (joa99.win) is an online gaming platform offering entertaining gaming experiences for users in Bangladesh. These terms and conditions apply to all services, games, and transactions on the joa99 platform.

By creating an account or using the joa99 platform, you confirm that you have read and fully agree to all of these terms and conditions. If you do not agree with any of the terms, please refrain from using joa99.

Joa99 reserves the right to suspend or terminate any user account at any time, for any reason or no reason, especially if the user is found to be in violation of these terms.

2 Account Register

To open an account on joa99, you must provide accurate and complete information. Accounts created with false or incorrect details may be terminated at any time and any remaining balance may be forfeited.

• One Person, One Account: Only one joa99 account is permitted per person, household, device, or IP address.
• Provide Accurate Information: Your name, phone number, date of birth, and all other information provided must be accurate and verifiable.
• Account Transfer Prohibited: Transferring, selling, or sharing your joa99 account with anyone else is strictly prohibited.
• Password Security: Keep your login credentials private. You are fully responsible for any activity that occurs if someone else gains access to your account.

Identity verification will be carried out via OTP sent to the mobile number or email registered at sign-up. Certain features may be restricted until verification is complete.

3 Age Verification & Identity

As part of the KYC (Know Your Customer) process, joa99 may request any of the following documents to verify your identity at any time:

• National ID Card (NID)
• Passport
• Driving License
• Birth registration certificate (if no other document is available)

Withdrawal requests may be held if KYC verification has not been completed. joa99 complies with anti-money laundering laws and is required to report suspicious transactions to the relevant authorities.

4 Deposits & Payments

The following payment methods are available for deposits on joa99: Mobile Banking, Nagad, Rocket and other approved mobile banking services.

• Minimum Deposit: The minimum deposit amount at joa99 varies by payment method. Visit the deposit page for the latest information.
• Deposit Processing: Deposits are usually credited to your account instantly. joa99 is not responsible for any delays caused by banking systems.
• Deposit from your own account: Deposits must be made from a payment method registered in your own name. Funds sent from third-party accounts will be returned.
• Currency: joa99 processes all transactions in Bangladeshi Taka (BDT).

5 Withdrawal Policy

The following rules apply to withdrawing winnings from joa99:

• Processing Time: Withdrawal requests are typically processed within 15 minutes to a maximum of 24 hours.
• Verification Requirements: Additional identity verification may be required for large withdrawal amounts.
• Withdrawal via Same Method: Withdrawals must be made using the same method used for the original deposit.
• Wagering Completion: Winnings derived from bonuses are subject to specific wagering requirements before withdrawal.
• Limits: Daily and monthly withdrawal limits may apply. Contact support for more details.

Joa99 reserves the right to temporarily hold any suspicious or unusual withdrawal requests pending investigation.

6 Bonuses & Promotions

Joa99 regularly offers a variety of bonuses and promotions. Each bonus comes with its own terms, and compliance with those terms is mandatory.

• Welcome Bonus: New members may receive a 100% bonus on their first deposit. This bonus cannot be withdrawn before the applicable wagering requirements are met.
• Wagering Requirements: Wagering requirements are typically 10x–30x the bonus amount. Check the specific terms on each offer's page.
• Bonus Expiry: Every bonus has an expiry date. Any unused bonus will be forfeited once it expires.
• Multiple Bonuses: Stacking multiple bonuses at the same time may not be permitted unless explicitly stated.
• Bonus Abuse: Any attempt to abuse bonus offers is subject to penalties and may result in account closure.

7 Gaming Rules

Joa99 offers a wide variety of games including bingo, fish games, and betting. Each game has its own rules, which are detailed within the game itself.

• Finality of Results: All game results are final and binding. If a game is cancelled due to a technical issue, the wager will be refunded.
• RNG Certification: All games on joa99 use Random Number Generator (RNG) technology, which is regularly audited by independent third parties.
• Disconnection: If your internet connection drops during a game, the game will generally resume from where it left off. joa99 makes every effort to ensure this but cannot guarantee it in all cases.
• Betting Limits: Minimum and maximum bet limits apply to each game.

Joa99 reserves the right to temporarily suspend or modify any game, particularly for maintenance or upgrade purposes.

8 Prohibited Activities

• Fraud & Hacking: Hacking the platform's systems, exploiting bugs, or manipulating the software in any way.
• Use of Bots: Playing games or placing bets using automated software, bots, or scripts.
• Money Laundering: Using joa99 for the purpose of money laundering.
• Collusion: Multiple players colluding to strategically disadvantage other players.
• Chargeback: Filing a false chargeback claim with your bank or payment provider after making a deposit.
• Account Sharing: Multiple individuals using a single account.

9 Account Suspension & Closure

Joa99 may temporarily suspend or permanently close an account in the following circumstances:

• If these terms and conditions are violated
• If KYC verification is not completed
• If any suspicious or unusual activity is detected
• By order of a court or law enforcement authority
• Accounts inactive for an extended period (more than 12 months)

Users may request to close their account at any time. Any valid balance will be returned; however, bonus balances will be forfeited.

10 Responsible Gaming

Joa99 is firmly committed to responsible gaming. Gaming is meant to be fun — not a way to escape stress or financial difficulties.

• Deposit Limits: You can set daily, weekly, or monthly deposit limits for yourself.
• Voluntary Break: You can temporarily suspend your account for a set period of time.
• Self-Exclusion: If you feel your gaming is getting out of control, activate self-exclusion.
• Reality Check: Periodic reminder notifications are available to help you stay on track.

To learn more about responsible gaming, visit our Responsible Gaming View page.

11 Privacy Policy

Joa99 handles your personal information with the utmost care. We do not sell or share your data with any third parties.

The information we collect is used solely for service delivery, account verification, fraud prevention, and fulfilling legal obligations. To read our full privacy policy, Click here।

12 Changes to Terms

Joa99 reserves the right to update or modify these terms and conditions at any time. Users will be notified of significant changes via their registered phone number or email.

Continuing to use joa99 after any changes have been made will be taken as your acceptance of the updated terms. Please revisit this page regularly and note the latest update date.

These terms are governed by the applicable laws of Bangladesh. In the event of any dispute, both parties will seek to resolve the matter through mutual discussion.