joya88 Terms & Conditions

Welcome to joya88. These Terms & Conditions ("Terms", "Agreement") govern the relationship between joya88 ("the Platform", "we", "us", "our") and any individual ("you", "the User", "the Player") who accesses, registers on, or otherwise uses the joya88 website located at https://joya88.bid and all associated services, products, and features.

By accessing the joya88 platform, creating a player account, or placing any bet or wager, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and any other rules or policies referenced herein. If you do not agree to these Terms, you must not use the joya88 platform.

joya88 reserves the right to modify these Terms at any time. Continued use of the platform following the publication of any amendment constitutes acceptance of the revised Terms. It is your responsibility to review this document periodically. The most current version of the Terms is always available at https://joya88.bid/terms-conditions.

To register and use the joya88 platform, you must satisfy all of the following eligibility requirements at the time of registration and on a continuing basis throughout your use of the platform:

• You must be at least 18 years of age. joya88 strictly prohibits access by minors. If you are under 18, you must not register, deposit funds, or place any wager on the platform.
• You must be accessing the platform from a jurisdiction in which online gaming and sports betting is not expressly prohibited by applicable law.
• You must not be acting on behalf of another person or as an agent for a third party when registering or using the platform.
• You must not be a current or former employee, contractor, director, officer, or associate of joya88, nor an immediate family member of any such person, unless prior written approval has been granted by joya88 management.
• You must not have been previously excluded, suspended, or banned from the joya88 platform or any affiliated platform for conduct that violates these Terms.

joya88 reserves the right to request documentary proof of age, identity, and address at any stage. Failure to provide satisfactory documentation within a reasonable timeframe may result in suspension of your account and withholding of pending withdrawals pending completion of the verification process.

To access the full range of joya88 services, including placing bets, depositing funds, and claiming bonuses, you are required to register a player account. You agree to provide accurate, current, and complete information during the registration process and to update such information promptly if it changes.

Each player is permitted to hold one account only. The opening of multiple accounts by the same individual — whether under the same or different personal details — is strictly prohibited. Where joya88 identifies duplicate accounts, it reserves the right to close all but one account, void any associated bets, and forfeit any bonus funds held within those accounts.

The following information will be required during registration:

• Full legal name as it appears on your government-issued identification document
• Date of birth
• Valid email address
• Contact number (mobile preferred, as it facilitates bKash, Nagad, and Rocket transactions)
• Preferred currency (Bangladeshi Taka — BDT)
• Username and password of your choosing

joya88 may, at its sole discretion, decline to open an account or close an existing account without providing a reason, provided that any legitimate balance held in the account at the time of closure is returned to the player via their verified payment method.

You are solely responsible for maintaining the confidentiality of your joya88 login credentials, including your username and password. You must not share your account details with any third party or permit any other person to access or use your account on your behalf.

joya88 will never contact you by email, phone, or any other channel to request your password. Any communication purporting to be from joya88 that requests your login credentials should be treated as fraudulent and reported to our support team immediately at [email protected].

You agree to notify joya88 immediately if you become aware of any unauthorised use of your account or any other breach of security. joya88 will not be liable for any loss arising from unauthorised use of your account where you have failed to take reasonable steps to protect your credentials or where you have shared your login details with a third party.

All joya88 sessions are protected by 256-bit SSL encryption. Inactive sessions will time out automatically to reduce the risk of unauthorised access, particularly on shared or public devices. You are advised to log out of your account after each session when using a shared device.

joya88 processes all financial transactions in Bangladeshi Taka (BDT). The platform supports deposits and withdrawals via the following methods: bKash, Nagad, Rocket, Upay, SureCash, Visa, Mastercard, and direct bank transfer to supported Bangladeshi banks including Dutch-Bangla Bank, BRAC Bank, City Bank, Islami Bank, and Sonali Bank.

Deposits:

• The minimum deposit amount is ৳200.
• Deposits made via mobile wallet (bKash, Nagad, Rocket) are typically credited to your joya88 account within minutes of confirmation.
• joya88 does not charge deposit fees. Any fees levied by your payment provider are the responsibility of the player.
• Deposits may only be made from payment accounts that are registered in your own name. Third-party deposits are not permitted.

Withdrawals:

• The minimum withdrawal amount is ৳500.
• Withdrawal requests are subject to identity verification. joya88 may request copies of a government-issued ID, proof of address, and proof of the payment method used for deposit before processing a withdrawal.
• Mobile wallet withdrawals (bKash, Nagad) are typically processed within 24 hours of approval. Bank transfer withdrawals may take 1–3 business days.
• Winnings derived from bonus funds are subject to the wagering requirements of the relevant promotion before they may be withdrawn.
• joya88 reserves the right to conduct enhanced due diligence on withdrawal requests above a certain threshold, which may extend processing time.

joya88 offers a range of promotional bonuses including welcome deposit bonuses, free spins, cashback offers, reload bonuses, and seasonal promotions tied to events such as Eid, Pohela Boishakh, the BPL cricket season, and the T20 World Cup. The following general terms apply to all promotions unless stated otherwise in the specific promotion terms:

• All bonuses are subject to a wagering requirement that must be met before bonus-derived funds can be withdrawn. The applicable wagering multiplier is stated in each individual promotion.
• Bonus funds are credited to a separate bonus wallet and are applied to eligible bets only after your real-money balance has been exhausted for that bet.
• Bonuses may only be claimed once per player, per household, and per IP address, unless the promotion explicitly states otherwise.
• joya88 reserves the right to withdraw a bonus offer at any time prior to a player's acceptance of it.
• Any attempt to abuse promotions — including but not limited to creating multiple accounts to claim bonuses more than once — will result in the cancellation of all associated bonuses and may result in account suspension.
• Unclaimed bonus funds expire after the period stated in the individual promotion terms. Expired bonuses cannot be reinstated.

joya88 reserves the right to amend, suspend, or terminate any promotion at any time without prior notice, subject to honouring commitments already made to eligible players who have accepted a promotion in good faith.

The following general betting rules apply to all sports betting and casino gaming activity on the joya88 platform. Sport-specific and game-specific rules are available within the relevant section of the platform.

• All bets are final once confirmed. joya88 does not accept requests to cancel or amend a bet after it has been accepted by the platform, except in cases where joya88 determines that a bet was accepted in error due to a technical fault.
• In the event of a manifestly incorrect odds price arising from a human input error or technical fault, joya88 reserves the right to void the affected bets and return stakes to the players involved.
• Minimum and maximum stake amounts for each market are displayed within the betting interface at the time of bet placement.
• joya88 reserves the right to limit the maximum payout on any single bet or accumulator at its discretion.
• In-play betting markets may be suspended at any time due to technical issues or events on the field. Any bets placed during a suspension period will be voided and stakes returned.
• For cricket betting, match results are settled in accordance with the official result declared by the relevant governing body (ICC, BCB, or the relevant national cricket board). Bets on abandoned or postponed matches will be governed by the specific sport rules displayed on the platform.

The following conduct is strictly prohibited on the joya88 platform. Violation of any of the following may result in immediate account suspension, forfeiture of funds, and referral to relevant authorities where appropriate:

• Using automated betting software, bots, scripts, or any other software designed to place bets or interact with the platform without human intervention
• Exploiting software bugs, errors in odds, or technical vulnerabilities for financial gain
• Colluding with other players to manipulate game or match outcomes
• Money laundering or using joya88 to process funds derived from illegal activity
• Providing false identity information or documentation during registration or verification
• Creating duplicate accounts to claim bonuses more than once
• Accessing the platform in a jurisdiction where online gambling is expressly prohibited by law
• Engaging in any form of harassment, abuse, or threatening behaviour directed at joya88 staff or other players
• Reverse engineering, decompiling, or otherwise attempting to access the source code of the joya88 platform

All content on the joya88 platform — including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software — is the property of joya88 or its content suppliers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the joya88 platform for personal, non-commercial entertainment purposes only. This licence does not include the right to: resell or commercially exploit the platform or its content; download or copy account information for the benefit of another merchant; use data mining, robots, or similar data gathering or extraction tools; or frame or utilise any framing techniques to enclose any joya88 trademark, logo, or other proprietary information.

Any unauthorised use of joya88 intellectual property terminates the permission or licence granted by joya88. All rights not expressly granted herein are reserved by joya88.

joya88 collects, processes, and stores personal data in accordance with its Privacy Policy, which is incorporated by reference into these Terms and is available at https://joya88.bid/privacy-policy. By using the joya88 platform, you consent to the collection and use of your personal data as described in the Privacy Policy.

The data we collect includes information you provide during registration, transactional data relating to deposits and withdrawals, gameplay data, device and browser information, and communications you send to our support team. This data is used to operate your account, process transactions, comply with legal obligations, prevent fraud, and improve the platform.

joya88 will not sell, rent, or trade your personal data to unaffiliated third parties for their marketing purposes without your explicit consent. All data is stored and transmitted using industry-standard security protocols, including 256-bit SSL encryption.

joya88 is committed to promoting responsible gaming and to helping players who may be experiencing difficulties related to gambling. The platform provides a range of tools to assist players in managing their gaming activity, including:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits by contacting our support team.
• Cooling-Off Periods: Players may request a temporary suspension of their account for a period of their choosing.
• Self-Exclusion: Players who wish to permanently exclude themselves from joya88 may request self-exclusion by contacting support at [email protected]. Self-exclusion requests are processed within 24 hours and are irrevocable for the stated exclusion period.
• Reality Checks: Players may request periodic session duration notifications to assist with time management.

If you believe that gambling is negatively affecting your financial situation, mental health, or relationships, we strongly encourage you to visit our Responsible Gaming page for further guidance and support resources. joya88 takes its duty of care to players seriously and urges all users to play within their means.

To the fullest extent permitted by applicable law, joya88 and its officers, directors, employees, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the joya88 platform, including but not limited to loss of winnings, loss of data, loss of revenue, or loss of goodwill.

joya88 does not warrant that the platform will be available at all times, error-free, or free from interruption. The platform is provided on an "as is" and "as available" basis. joya88 makes no representations or warranties of any kind, express or implied, regarding the operation or availability of the platform or the information, content, or materials included on the platform.

In any event, the maximum aggregate liability of joya88 to any player arising out of or in connection with these Terms shall not exceed the total amount deposited by that player in the 12-month period immediately preceding the event giving rise to the claim.

joya88 reserves the right to amend, update, or replace these Terms at any time. When changes are made, the revised Terms will be published at https://joya88.bid/terms-conditions with an updated "Last Reviewed" date. Where the changes are material, joya88 will endeavour to notify registered players by email or by a notice displayed prominently on the platform at the time of login.

Your continued use of the joya88 platform after the publication of revised Terms constitutes your acceptance of those revised Terms. If you do not agree to the revised Terms, you must cease using the platform and may request the closure of your account by contacting [email protected].

These Terms and any dispute or claim arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with applicable law. joya88 operates as a platform serving players in Bangladesh, and these Terms are drafted with the Bangladeshi player context in mind.

Any disputes between a player and joya88 that cannot be resolved through our internal complaints procedure should be submitted in writing to [email protected]. joya88 will endeavour to resolve all disputes in a fair and timely manner. Where a dispute cannot be resolved amicably, both parties agree to seek resolution through appropriate legal channels.

If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact the joya88 support team. Our customer service team is available 24 hours a day, 7 days a week, operating in Bangladesh Standard Time (UTC+6).

Email: [email protected]

Please include your registered username, the nature of your query, and any relevant transaction reference numbers when contacting us to enable us to assist you as efficiently as possible.