joya44 Terms and Conditions

These terms and conditions ("Terms") form a legally binding agreement between joya44 ("Platform", "we") and anyone who uses this website or its services ("you", "user"). By accessing our platform or registering an account, you agree to these Terms. If you do not agree, please refrain from using this platform.

joya44 is an online betting and casino platform offering a range of entertainment services for users in Bangladesh, including slot games, cricket betting, live casino, multi-bet, and Ludo Quick. These Terms govern the following:

• Access to and use of our website and mobile platform
• The process of registering, managing, and closing an account
• Deposits, withdrawals, and all financial transactions
• Receiving and using bonuses and promotional offers
• All rules related to gaming activity and betting

By using any service mentioned in these Terms, the user acknowledges that they have read and understood this document in full and agree to comply with its terms. These Terms should be read alongside our Privacy Policy and Responsible Gaming Guidelines.

To register an account on joya44, users must meet and comply with the following conditions:

2.1 Registration Process

• Each user may open only one account. Opening multiple accounts by the same person, device, IP address, or household is strictly prohibited.
• All information provided at the time of registration must be true, accurate, and complete.
• The user's name, address, date of birth, and contact details must be correct.
• Any changes to personal information must be updated immediately.

2.2 Identity Verification (KYC)

In the interest of providing a secure service, joya44 may at any time ask the user to submit identity documents (national ID or passport) and address verification documents. Withdrawals may be put on hold until identity verification is complete.

2.3 Account Security

• The user is responsible for keeping their password and login details strictly confidential.
• Allowing third parties to use the account is prohibited.
• If there is any suspicion of unauthorized access to the account, our support team must be notified immediately.

The following eligibility conditions must be met to use joya44's services:

• Age Limit: For users aged 21 and above only. Use of our platform by minors is strictly prohibited.
• Legal Capacity: The user must be legally capable of entering into a contract.
• Self-Exclusion: Any person registered under a self-exclusion program is not eligible to use our services.
• Bangladesh Market: Our platform operates primarily for users in Bangladesh.

joya44 reserves the right to verify age and identity at the time of registration. If a minor is found to have registered, the account will be closed immediately and all funds will be forfeited.

4.1 Deposits

• Minimum deposit amount: ৳500 (per method).
• Accepted payment methods: bKash, Nagad, Rocket, and bank transfer.
• Deposit amounts must be sent through the designated payment channel.
• For any deposit-related issues, contact us via 24/7 live chat.

4.2 Withdrawals

• Minimum withdrawal amount: ৳800.
• Withdrawals are generally processed within 15 minutes to 2 hours.
• Identity verification must be completed before a withdrawal request is processed.
• Withdrawals can only be made using the same method used for the deposit.
• Withdrawals may be held until the wagering requirements of any active bonus are fulfilled.

4.3 Currency and Taxes

All transactions are conducted in Bangladeshi Taka (BDT / ৳). Users are solely responsible for meeting any tax or other legal obligations.

5.1 Welcome Bonus

New members at joya44 receive a 100% welcome bonus on their first deposit, up to ৳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

• The wagering requirement for the welcome bonus is 25 times (25x) the bonus amount.
• Withdrawals from the bonus balance are not allowed until the wagering requirements are met.
• Wagering contributions may vary depending on the game or bet type.

5.3 General Bonus Terms

• A bonus offer is applicable only once per user.
• Bonus funds cannot be transferred or cashed out directly.
• joya44 reserves the right to modify, suspend, or cancel any bonus offer without stating a reason.
• If bonus fraud or misuse is suspected, the account will be investigated and the bonus may be cancelled.

The following rules apply to betting and gaming activities on joya44:

6.1 General Betting Rules

• Once a bet is placed, it cannot be changed or cancelled unless the platform makes that option available.
• joya44 reserves the right to void any winnings that were incorrectly granted due to a technical error.
• Our records are considered final in determining the outcome of any event.

6.2 Cricket Betting

• Betting is available on BPL, IPL, T20 World Cup, ICC tournaments, and other international cricket matches.
• If a match is abandoned or cancelled, bets will be voided and the amount returned to the balance.

6.3 Live Casino and Slots

• The outcome of all games is determined by a Random Number Generator (RNG).
• In the event of a network disconnection during a game, the result will be determined based on the last state recorded in the system.

The following activities are strictly prohibited on joya44 and will result in immediate account closure if detected:

• Fraudulent activity, bonus abuse, or exploitation of system vulnerabilities.
• Opening multiple accounts or using another person's account.
• Money laundering or illegal financial transactions.
• Using software, bots, or automated systems to place bets.
• Attempting to breach the platform's security systems.
• Colluding with other users or attempting to manipulate outcomes.
• Providing false or misleading information.

8.1 joya44's Rights

joya44 reserves the right to temporarily suspend or permanently close any account without prior notice in the following circumstances:

• Violation of these Terms
• Suspicion of fraudulent activity
• Incomplete identity verification
• Account inactive for an extended period
• Legal or regulatory requirements

8.2 User Rights

Users may request to close their account at any time. Any pending bonus wagering requirements must be fulfilled and any valid balance must be withdrawn before the request is processed.

The protection of your personal data is important to us. We collect, store, and use your data in accordance with our Privacy Policy. Key points:

• All data is transmitted securely via SSL encryption.
• Personal information is not sold to third parties.
• Personal information is not shared except where required by law.
• Betting history and transaction records are stored securely.

For more details on how your information is managed, please read our Privacy Policy.

joya44 is not responsible for the following:

• Betting losses resulting from internet disconnection or technical errors.
• Technical issues with third-party payment providers (bKash, Nagad, Rocket).
• Losses due to unauthorized access to an account where the user failed to keep their password confidential.
• Inconvenience caused by temporary service interruptions or maintenance downtime.
• Financial losses resulting from market fluctuations or game outcomes.

joya44 always strives to improve the quality of its services, but is not obligated to provide any compensation in the event of technical disruptions.

joya44 reserves the right to change or update these terms and conditions at any time. Key points regarding changes:

• Users will be notified by email or on the platform in the case of significant changes.
• Continuing to use the platform after changes have been made will be considered acceptance of the new terms and conditions.
• The latest version of the terms and conditions will always be published on this page.
• If any condition from an older version is revoked in a newer version, the newer version will apply.

Users are therefore advised to visit this page regularly and stay informed about updates.

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

• Live Chat: Support in Bengali is available 24 hours a day, 7 days a week.
• Email: [email protected]

Our support team is always ready to resolve your issues. To learn more about responsible gaming, visit our responsible gaming page.