joya90 Terms and Conditions

joya90 ("Platform", "we", "our") is an online casino and betting service provider that offers entertainment gaming to users in Bangladesh. These terms and conditions ("Terms") apply to the use of the joya90 website and all its associated services.

By accessing the platform, creating an account, or using any service, you acknowledge that:

• You have read and understood these Terms in full.
• You agree to be legally bound by these Terms.
• You are at least 21 years of age.
• You are using the platform on your own behalf and for personal entertainment purposes.

2.1 Age Eligibility

You must be at least 21 years of age to register and use services on joya90. Use of the platform by minors is strictly prohibited. joya90 may request relevant documents at any time to verify age.

2.2 Registration Process

You must provide accurate and truthful information when registering an account. joya90 reserves the right to cancel an account if false or incorrect information is provided. The following details will be required for registration:

• Full name (as per national identity card)
• A valid email address
• An active mobile number
• Date of birth
• Preferred payment method details

2.3 One Account Policy

Each individual may create only one account. Creating multiple accounts for the same person is strictly prohibited. If multiple accounts are detected, all accounts will be permanently closed and the balance may be forfeited.

3.1 Account Security

It is your responsibility to keep your account login details (username and password) completely confidential. Do not share this information with any other person. You are responsible for all activity carried out from your account.

3.2 Account Verification (KYC)

joya90 completes customer identity verification (Know Your Customer — KYC) in accordance with applicable regulations in Bangladesh. The following documents may be required before a withdrawal is approved:

• Scanned copy of National Identity Card (NID) or passport
• Proof of ownership of the mobile banking account
• Proof of current address (where applicable)

3.3 Account Currency

All transactions on the joya90 platform are conducted in Bangladeshi Taka (BDT / ৳). Transactions in any other currency are not possible.

4.1 Accepted Payment Methods

joya90 currently supports the following mobile banking methods: bKash, Nagad, Rocket, and Upay. Payments through any method outside of these are not accepted.

4.2 Deposit Limits

Minimum deposit amount: ৳500 (for each payment method). Contact the support team for details on the maximum deposit limit.

4.3 Withdrawal Limits and Timeframes

Minimum withdrawal amount: ৳1,000. Withdrawal requests generally take 15 minutes to 2 hours to process. However, this time may increase if an account verification process is ongoing.

4.4 Withdrawal Terms

• Withdrawal requests may only be made from verified accounts.
• Withdrawals must be made using the same method used for the deposit (reverse transaction policy).
• Withdrawals will not be processed if wagering requirements related to bonuses have not been met.
• Withdrawals may be temporarily suspended if unusual betting patterns are detected.

5.1 Welcome Bonus

New members will receive a 100% bonus on their first deposit, up to a maximum of ৳20,000. For example:

• Deposit ৳1,000 → ৳1,000 bonus → Total balance ৳2,000
• Deposit ৳42,000 → ৳20,000 bonus → Total balance ৳62,000

5.2 Wagering Requirements

To withdraw the welcome bonus, you must wager 10 times the bonus amount (wagering requirement: 10x). For example, if you receive a ৳1,000 bonus, you must complete a total of ৳10,000 in bets before withdrawing.

5.3 General Bonus Terms

• Each bonus offer has its own expiry and specific conditions, which will be stated on the promotions page.
• Bonuses are for personal use only — group or organised use of bonuses is prohibited.
• Bonus claims cannot be made on multiple accounts from the same household or device.
• joya90 reserves the right to modify, suspend, or cancel any bonus offer.

5.4 VIP Program

The joya90 VIP program has five tiers. Weekly cashback benefits are available at each tier:

• Bronze: Up to 0.3% weekly cashback
• Silver: Up to 0.6% weekly cashback
• Gold: Up to 0.9% weekly cashback
• Platinum: Up to 1.2% weekly cashback
• Diamond: Up to 1.5% weekly cashback

Progression through VIP tiers depends on your platform activity, and it is possible to advance to higher tiers over time. Cashback is awarded automatically every week.

joya90 is committed to ensuring transparency and fairness across all games. The games available on our platform are developed by recognised game providers and use Random Number Generator (RNG) technology.

6.1 Game Results

The result of each game is determined entirely independently and at random. No previous result influences a future result. joya90 reserves the right to void any winnings that were incorrectly paid out due to a technical error.

6.2 Dispute Resolution

If a dispute arises over a game result or transaction, contact the support team via 24/7 live chat or email. joya90's decision will be considered final.

The following activities are strictly prohibited on the joya90 platform:

• Money laundering or conducting transactions using illegal funds
• Using bots, automated software, or artificial intelligence to play games
• Claiming bonus benefits using multiple accounts
• Accessing the platform through hacking, phishing, or any other technical manipulation
• Stealing or misusing another user's account details
• Attempting to circumvent the platform's security measures
• Using the platform to harass or harm other users

If any of the above prohibited activities are proven, the relevant account will be immediately closed and the balance may be forfeited.

All content on the joya90 website — including logos, designs, text, graphics, software, and other media — is the intellectual property of joya90 or its affiliated entities. Using, reproducing, or distributing this content for any commercial purpose without prior written permission is strictly prohibited.

joya90 places the highest importance on protecting your personal information. All data is kept secure through SSL encryption technology. Your personal information will not be sold or transferred to any third party, although limited information may need to be shared to meet legal obligations.

For more details, please read our Privacy Policy page.

joya90 is not liable for:

• Losses caused by internet disconnection or technical failure
• Losses related to force majeure events (natural disasters, war, government restrictions, etc.)
• Financial losses arising from your own negligence or reckless gaming behaviour
• Issues caused by faults in third-party software or services

joya90's maximum liability in any case is limited to the current balance in your account.

11.1 Closure by User

You may request to close your account at any time. In this case, the account will be closed after any eligible balance has been withdrawn.

11.2 Closure or Suspension by joya90

joya90 may suspend or close an account in the following circumstances:

• If a breach of the Terms occurs
• If there is suspicion of fraudulent activity
• Due to failure in KYC verification
• Due to legal obligations

joya90 reserves the right to modify these terms and conditions at any time. Users will be notified in a timely manner via email or through the platform in the event of significant changes. Continued use of the platform after any changes will be considered acceptance of the new terms and conditions.

The date of the most recent update will always be mentioned at the top of this page. It is advised to visit this page regularly to stay informed about the latest terms and conditions.

joya90 places the highest importance on responsible gaming. Gaming is for entertainment purposes only — it should not be used as a source of income. We offer the following features:

• Self-Exclusion: The option to exclude yourself from the platform for a specified period of time
• Deposit Limit Setting: The option to set daily, weekly, or monthly deposit limits
• Reality Check: Regular reminder notifications about gaming time

If you notice signs of gaming addiction, please contact our support team immediately. Visit our Responsible Gaming page to learn more.

If you have any questions or comments regarding these terms and conditions, please contact us:

• Via 24/7 Bengali live chat support
• [email protected]

Our support team is available seven days a week, twenty-four hours a day, in accordance with Bangladesh Standard Time (BST, UTC+6).