joya 90 Terms and Conditions

01 Definitions and Introduction

These Terms and Conditions ("Terms") govern the use of the joya 90 platform and all its associated services. By accessing, registering on, or using any service of this platform, you are considered to have read, understood and agreed to these Terms.

1.1 Definitions

• "Platform" means the joya 90 website, mobile application and all associated digital services.
• "User" or "Member" means any person registered on joya 90.
• "Account" means a member's personal registered profile.
• "Bonus Funds" means funds granted under a promotional offer, which cannot be withdrawn before the specified wagering conditions are met.
• "Real Money" means funds deposited by the member.

1.2 Applicability

These Terms apply to all services of joya 90. Separate rules may exist for different sections of the platform, which will operate as a supplement to these main Terms.

02 Eligibility and Age Requirement

The following eligibility conditions must be met to use joya 90 services:

• Members must be at least 21 years of age. Access by minors is strictly prohibited.
• Members must not be residents of any jurisdiction where online gaming is prohibited by law.
• A person may not open more than one account.
• Members must register under their own identity; operating an account on behalf of another person is prohibited.

03 Account Registration

3.1 Registration Process

To become a member of joya 90, accurate and up-to-date information must be provided in the registration form. Details given at the time of registration — name, mobile number and email — must be genuine.

3.2 Identity Verification

joya 90 reserves the right to verify a member's identity at any time. The platform may request a national identity card or other government-issued document as needed. If a member does not submit the required documents within the specified time, the account may be temporarily suspended.

3.3 Password Security

It is the member's own responsibility to keep their account password completely confidential. If a password is lost or there is concern about unauthorised access, contact joya 90 customer support immediately. The member bears responsibility for any loss resulting from account use by a third party.

04 Deposits and Withdrawals

4.1 Deposit Rules

The minimum deposit amount on joya 90 is ৳100. Currently accepted payment methods are bKash, Nagad and Rocket. Members must deposit from a mobile banking account registered in their own name.

4.2 Withdrawal Rules

The minimum withdrawal amount is ৳800. Withdrawal requests are generally processed within 15 minutes to 2 hours. Withdrawal methods are bKash, Nagad and Rocket — and must match the deposit method used.

• Identity verification must be completed before a withdrawal can be made.
• Bonus funds cannot be withdrawn until the bonus wagering conditions have been met.
• joya 90 reserves the right to hold and review withdrawals in cases of suspicious transactions.

05 Bonuses and Promotional Offers

5.1 Welcome Bonus

New members will receive a 100% bonus on their first deposit, up to a maximum of ৳5,000. The wagering requirement for this bonus is 10 times the bonus amount. For example: depositing ৳1,000 gives a ৳1,000 bonus, making a total balance of ৳2,000 — and ৳1,000 × 10 = ৳10,000 must be wagered before withdrawal.

5.2 Other Promotional Offers

• Weekly joya 90 Reload: 50% bonus on any deposit each week, up to ৳5,000 — wagering 15 times, minimum deposit ৳100.
• joya 90 Slot Festival: 75% bonus on deposits for slot games, up to ৳8,000 — wagering 20 times, minimum deposit ৳100. Applicable once per month.
• Cricket Season Bonus: 60% bonus on every deposit for cricket betting on weekends, up to ৳6,000 — wagering 18 times.
• Birthday Special Reward: Registered members receive a reward of up to ৳2,000 during their birthday month each year — wagering 10 times.

5.3 General Bonus Rules

Bonus funds are never cash and cannot be withdrawn before the specified wagering conditions are met. joya 90 reserves the right to cancel bonuses and suspend the relevant account in cases of abuse or manipulation of promotional offers.

06 Gaming Rules

6.1 Fair Play Policy

All games on joya 90 use Random Number Generator (RNG) technology, which keeps each result completely independent of the previous one. Any attempt to manipulate game outcomes is strictly prohibited.

6.2 Prohibited Activities

• Using software, bots or automated systems to play games.
• Collusion or conspiring with other players to gain an unfair advantage.
• Exploiting technical errors or bugs in the platform for an advantage.
• Using funds obtained from illegal sources.

6.3 Technical Issues

If a game session is interrupted due to a technical error, a fair resolution will be provided based on system logs. joya 90 bears limited liability for losses during technical issues.

07 VIP Program

joya 90's VIP program has five tiers: Bronze, Silver, Gold, Platinum and Diamond. The weekly cashback rate differs at each tier:

• Bronze: up to 0.2% weekly cashback
• Silver: up to 0.5% weekly cashback
• Gold: up to 0.7% weekly cashback
• Platinum: up to 1.0% weekly cashback
• Diamond: up to 1.2% weekly cashback

Weekly cashback is paid at the applicable rate on total net losses for the week. For example: a Gold member with a ৳20,000 net loss in a week receives ৳20,000 × 0.7% = ৳140 cashback. Members move up to higher tiers based on their activity.

08 Responsible Gaming

joya 90 is firmly committed to responsible gaming. We believe gaming is a form of entertainment and should never be a source of financial hardship. The platform offers members voluntary deposit limits, session time limits and the option to take voluntary breaks.

If members feel that gaming is affecting their daily life, they may request that their account be temporarily or permanently closed. Visit the Responsible Gaming Policy page for more details.

09 Account Suspension and Closure

9.1 Suspension by joya 90

joya 90 reserves the right to temporarily or permanently close an account without prior notice in the following circumstances:

• Violation of any clause of these Terms.
• Providing false or misleading information.
• Suspicion of illegal activity conducted through the account.
• Abuse of the bonus system.
• Failure to cooperate with identity verification.

9.2 Account Closure by the Member

Any member may request voluntary closure of their account. Real money in the account at the time of the request will be returned, however any unused bonus funds will be considered void.

10 Privacy and Data Protection

joya 90 treats the protection of members' personal information as its highest priority. The platform uses SSL encryption, which keeps data fully secure during transmission. Members' personal information is never sold to any third party. Full details of how information is collected, processed and stored can be found in our Privacy Policy.

11 Limitation of Liability

joya 90 is not liable for the following:

• Game interruptions or financial losses caused by loss of internet connection.
• Unauthorised access to an account due to the member's own negligence.
• Failure or delayed processing by third-party services.
• Any issues arising from false information provided by the member.

These limitations apply to the extent permitted under applicable law.

12 Changes to Terms

joya 90 reserves the right to change, amend or update these Terms at any time. For significant changes, a notice will be posted on the platform and members may be informed via their registered email or mobile.

Continued use of the platform after any changes will be considered as the member's acceptance of the updated Terms. It is the member's responsibility to check this page regularly.

To learn more about joya 90 or to find out more about the platform, read the About Us page.

13 Contact

For any questions, comments or complaints about these Terms, please contact us:

• 24/7 Live Chat: available directly within the platform
• Email: [email protected]

Our support team provides service in both Bengali and English. Live chat typically gets the fastest response.