joya09 Terms & Conditions

For the purposes of these Terms & Conditions, the following definitions shall apply:

• "Platform" means the joya09 website accessible at joya09.app and any related mobile-optimised interfaces, including all casino games, sports betting markets, live dealer tables, and account management features.
• "Player" / "You" / "User" means any individual who accesses, registers on, or uses the joya09 Platform for any purpose.
• "Account" means the personal account created by a Player following successful registration on the joya09 Platform.
• "Balance" means the total funds held within a Player's joya09 Account, comprising deposited real-money funds plus any bonus funds credited in accordance with these Terms.
• "Bonus Funds" means any credits, free spins, or promotional rewards granted to a Player by joya09 subject to applicable wagering requirements.
• "Real-Money Funds" means deposits made by the Player via bKash, Nagad, Rocket, Upay, Visa, Mastercard, or any other approved payment method.
• "Wagering Requirement" means the minimum total amount a Player must wager before Bonus Funds or winnings derived from Bonus Funds become eligible for withdrawal.
• "Prohibited Jurisdiction" means any territory in which the use of online gambling platforms is explicitly prohibited by applicable law.
• "BDT" / "৳" means Bangladeshi Taka, the currency in which most transactions on the Platform are denominated.

By accessing joya09 in any capacity — including browsing the website without a registered account — you acknowledge that you have read these Terms & Conditions in their entirety. Registration of an Account, initiation of a deposit, or placement of a bet constitutes unconditional acceptance of all provisions herein.

These Terms & Conditions are supplemented by the joya09 Privacy Policy and Responsible Gaming Policy, both of which are incorporated herein by reference. In the event of any conflict between these documents, these Terms & Conditions shall take precedence unless explicitly stated otherwise.

Use of the joya09 Platform is subject to the following eligibility requirements, all of which must be satisfied at the time of registration and maintained throughout the Player's engagement with the Platform:

• Age: You must be at least 18 years of age. Players under 18 are strictly prohibited from registering or using the Platform in any capacity. joya09 actively employs age-verification procedures and reserves the right to request documentary proof of age at any time.
• Legal capacity: You must have full legal capacity to enter into binding agreements under the laws applicable in your jurisdiction.
• Jurisdiction: You must not be resident in, or accessing the Platform from, any jurisdiction in which online gambling is explicitly prohibited. It is your sole responsibility to ascertain whether your use of joya09 is lawful in your jurisdiction before registering.
• Single account: You must not hold more than one registered Account on the joya09 Platform. Multiple accounts operated by the same individual are prohibited and subject to immediate suspension and forfeiture of balances.
• Personal use: You must be registering and using the Account solely for your own personal entertainment, and not on behalf of any third party.

To access the full range of joya09 services, including real-money casino games and sports betting markets, you must register a personal Account. The registration process requires you to provide accurate, complete, and current information including your full legal name, date of birth, residential address, and a valid email address or mobile number.

You agree to keep your Account credentials — including your password and any two-factor authentication codes — strictly confidential. joya09 shall not be liable for any losses resulting from unauthorised access to your Account arising from your failure to maintain the security of your login credentials.

• You must provide truthful information during registration. Submitting false, misleading, or incomplete information constitutes grounds for immediate Account suspension and forfeiture of any balance.
• You are responsible for all activity conducted through your Account, whether authorised by you or not, until you notify joya09 of any suspected unauthorised access.
• joya09 reserves the right to conduct identity verification checks at any time, including at the point of withdrawal. You may be required to submit a copy of a government-issued photo ID, proof of address, and proof of payment method ownership.
• Accounts that remain inactive for a period of 12 consecutive months may be subject to an inactivity review. joya09 will notify the registered email address before taking any action on an inactive Account.

joya09 supports the following payment methods for deposits and withdrawals: bKash, Nagad, Rocket, Upay, Visa, and Mastercard. All transactions are processed in Bangladeshi Taka (৳) unless otherwise specified.

Deposits: The minimum deposit amount is ৳200. Deposits are credited to your Account balance in real time following confirmation from the payment provider. joya09 does not charge fees for deposits, though your payment provider may apply their own transaction charges independently.

Withdrawals: The minimum withdrawal amount is ৳500. Withdrawals are processed to the same payment method used for the corresponding deposit wherever technically possible, in accordance with anti-money-laundering best practices. Withdrawal requests from verified Accounts targeting bKash or Nagad are typically processed within 15 to 30 minutes during standard operating hours (Bangladesh Standard Time, UTC+6).

• Withdrawals are subject to successful completion of identity verification. Unverified Accounts may not withdraw funds until all required documentation has been submitted and approved.
• joya09 reserves the right to perform additional security checks on withdrawal requests exceeding ৳50,000 in a single transaction or ৳200,000 in aggregate within any 30-day period.
• Withdrawals of Bonus Funds are only permitted after the applicable Wagering Requirement has been met in full. Attempts to withdraw before satisfying wagering requirements will result in the forfeiture of any outstanding bonus balance.
• joya09 does not accept deposits from, or process withdrawals to, third-party accounts. The payment method used must be registered in the same name as the joya09 Account holder.
• In the event of a technical error resulting in a duplicate deposit or erroneous credit, joya09 reserves the right to correct the Account balance accordingly, including by reversing erroneous credits.

joya09 offers a range of bonuses and promotional offers to eligible Players from time to time. All bonuses are subject to the specific terms and conditions published alongside each promotion, in addition to the general provisions set out in this section.

• Wagering Requirements: Unless explicitly stated otherwise, all Bonus Funds carry a wagering requirement that must be fulfilled before any associated winnings can be withdrawn. The applicable multiplier is stated on the individual promotion page.
• Eligibility: Bonuses are available only to Players who have completed account verification and are in good standing. joya09 reserves the right to exclude any Player from any promotion at its sole discretion.
• Expiry: Bonus Funds and any associated free spins expire within the timeframe stated on the relevant promotion. Expired bonuses are automatically forfeited and cannot be reinstated.
• One bonus at a time: Only one bonus may be active on a Player's Account at any given time unless joya09 explicitly states otherwise for a specific promotion.
• Abuse prevention: joya09 employs automated and manual systems to detect bonus abuse, including coordinated betting patterns, arbitrage strategies, and multi-account exploitation. Accounts found to be engaging in bonus abuse will have winnings voided and balances forfeited.
• Seasonal promotions: joya09 periodically runs promotions aligned with Bangladesh cultural events including Eid, Pohela Boishakh, BPL season, and Victory Day. These promotions are subject to their own specific terms and are available for a limited period only.

All bets placed on the joya09 Platform are subject to the rules of the specific game or market involved, as published within the game interface or sports betting section. The following general rules apply across all products on the Platform:

• All bets are final once confirmed. A bet confirmation screen will be displayed before final submission. Players are responsible for reviewing all bet details — including stake, odds, and selection — before confirming.
• joya09 sources live sports data and odds from third-party data providers. In the event of a data error leading to an incorrect price, joya09 reserves the right to void any affected bets and return the stake to the Player's Account.
• Casino game outcomes are determined by independently certified Random Number Generators supplied by providers including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Ezugi. joya09 does not interfere with or influence game outcomes.
• In the event of a technical failure during a live casino session or sports bet — including disconnections, server interruptions, or platform outages — joya09's server-side records shall constitute the definitive record of all transactions and outcomes.
• Maximum and minimum stake limits apply to all betting markets and casino games. These limits are displayed within each game or market interface and may be adjusted by joya09 at its discretion.
• joya09 reserves the right to void any bet where there is reasonable evidence of match-fixing, manipulation, or irregular betting patterns associated with a sports event.

The following activities are strictly prohibited on the joya09 Platform. Engaging in any prohibited conduct may result in immediate Account suspension, permanent closure, forfeiture of balance, and referral to relevant authorities where applicable:

• Registering more than one Account, whether under the same or a different identity.
• Providing false, misleading, or fraudulent information during registration, verification, or any interaction with joya09 support staff.
• Using another person's payment method, identity documents, or Account credentials without their explicit consent.
• Exploiting software bugs, glitches, or errors in the Platform to gain an unfair advantage. Any winnings generated through exploitation of a technical error are not payable and will be reversed.
• Using automated scripts, bots, artificial intelligence tools, or any software that interacts with the Platform in a manner not sanctioned by joya09.
• Engaging in collusion with other Players in live casino or poker-style games to gain an advantage over other participants or the Platform.
• Attempting to launder funds through the Platform, including by making deposits and requesting withdrawals without meaningful wagering activity.
• Accessing the Platform from a jurisdiction in which online gambling is prohibited by applicable law.
• Engaging in abusive, threatening, or harassing conduct toward joya09 support staff or other Platform users.

joya09 is committed to promoting a safe and responsible gaming environment for all Players. Gambling should be treated as a form of entertainment, not as a means of generating income or relieving financial hardship.

The following responsible gaming tools are available to all registered Players free of charge via the Account settings section:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits to control their spending. Limits take effect immediately when reduced and after a 24-hour cooling period when increased.
• Session Time Reminders: Players may configure automatic reminders that appear after a specified duration of continuous play.
• Cooling-Off Periods: Players may temporarily suspend their Account for a period of 24 hours, 7 days, 30 days, or 90 days. During a cooling-off period, the Account cannot be accessed or reactivated.
• Self-Exclusion: Players who believe their gambling behaviour has become problematic may request permanent self-exclusion. Self-exclusion is irreversible for a minimum period of 12 months and prevents any re-registration attempt during that period.

All content on the joya09 Platform — including but not limited to the joya09 brand name, logo, website design, graphics, text, software, game interfaces, and marketing materials — is the exclusive intellectual property of joya09 or its licensed partners and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal entertainment purposes. This licence does not permit you to:

• Copy, reproduce, distribute, or publicly display any Platform content without prior written consent from joya09.
• Reverse-engineer, decompile, or disassemble any software or technology underlying the Platform.
• Use the joya09 brand name, logo, or any associated trademarks in any manner that could cause confusion, imply endorsement, or damage the reputation of the brand.
• Create derivative works based on any Platform content without explicit written authorisation.

Game content provided by third-party studios including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Ezugi remains the intellectual property of the respective studio and is subject to that studio's own licensing terms.

To the fullest extent permitted by applicable law, joya09 shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Platform, including but not limited to:

• Loss of winnings due to technical failures, server outages, connectivity issues, or third-party payment provider delays that are outside the reasonable control of joya09.
• Losses resulting from your failure to secure your Account credentials or from your voluntary disclosure of Account information to a third party.
• Any financial loss, reputational damage, or other harm arising from your use of the Platform in a jurisdiction where such use is prohibited by law.
• Inaccuracies in third-party sports data, odds pricing errors corrected within a reasonable timeframe, or game malfunctions addressed promptly by joya09.

joya09's total aggregate liability to any Player in respect of any claim arising from use of the Platform shall not exceed the total real-money deposits made by that Player in the 90-day period immediately preceding the date on which the relevant claim arose.

Nothing in these Terms & Conditions shall operate to exclude or limit joya09's liability for fraud, wilful misconduct, or any other liability that cannot be excluded by law.

joya09 collects, processes, and stores personal data in accordance with its Privacy Policy, which is incorporated into these Terms & Conditions by reference. By registering an Account, you consent to the collection and use of your personal data as described in the Privacy Policy.

joya09 processes personal data for the following primary purposes: Account management, identity verification, fraud prevention, payment processing, responsible gaming compliance, and the delivery of personalised promotions where you have opted in to marketing communications.

joya09 does not sell, rent, or share personal data with unaffiliated third parties except where required by law, required to process payments via bKash, Nagad, Rocket, Upay, or international card networks, or required to conduct third-party identity verification checks.

For full details of your data rights and how joya09 handles your information, please review the Privacy Policy.

joya09 reserves the right to amend, update, or replace these Terms & Conditions at any time and without prior notice, except where applicable law requires advance notification. All amendments take effect upon publication on this page.

Where a proposed amendment is material — meaning it significantly affects Players' rights or obligations — joya09 will endeavour to notify registered Players via the email address associated with their Account at least 7 days prior to the amendment taking effect. However, joya09 cannot guarantee delivery of such notifications if a Player has provided an incorrect or inactive email address.

It is your responsibility to review these Terms & Conditions periodically. The date of the most recent update is displayed at the top of this page. Continued use of the Platform following any amendment constitutes your acceptance of the revised Terms & Conditions.

These Terms & Conditions and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with applicable international online gaming standards and the internal policies of joya09 as a safe and reliable platform operator.

In the event of a dispute between you and joya09, you are encouraged to contact the support team in the first instance at [email protected]. joya09 is committed to resolving all player complaints fairly, transparently, and within a reasonable timeframe. The support team will acknowledge all formal complaints within 48 hours and aim to provide a resolution within 7 business days.

joya09's decisions in respect of game outcomes, bonus eligibility determinations, and account-level actions shall be final and binding unless a demonstrable technical error is established through server-side records.

For any questions, concerns, or formal complaints relating to these Terms & Conditions or your use of the joya09 Platform, please contact the support team using the details below. All contact channels are available 24 hours a day, 7 days a week, including Bangladesh public holidays.

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available directly within the joya09 Platform after logging in to your Account.
• Response Time: Email enquiries are typically responded to within 24 hours. Live chat responses are immediate during peak operating hours (BST, UTC+6).