These terms govern your use of the Zoya 99 platform. We've written them in plain language so you know exactly where you stand — no legal jargon traps, no hidden clauses.
A quick overview of the six main areas covered in the Zoya 99 Terms and Conditions.
You must be at least 18 years old to register and use Zoya 99. One account per person is permitted. Providing false information during registration is grounds for immediate account closure and forfeiture of any balance.
Deposits via bKash, Nagad and Rocket are credited instantly. Withdrawals are processed within 24 hours for standard accounts and within 30 minutes for Platinum tier members. Minimum withdrawal is ৳200.
All bonuses on Zoya 99 carry a wagering requirement that must be met before withdrawal. Wagering requirements, eligible games and expiry dates are stated clearly on each bonus offer. Bonus abuse results in account suspension.
All games use certified RNG technology. Collusion, use of bots, exploitation of software bugs or any form of cheating will result in permanent account closure and forfeiture of all funds. Zoya 99 monitors all accounts for irregular activity.
Zoya 99 provides deposit limits, session reminders and self-exclusion tools. Players who self-exclude cannot create new accounts during the exclusion period. We take our duty of care seriously and act on all responsible gaming requests promptly.
Zoya 99 collects only the data needed to operate your account and comply with licensing requirements. We do not sell your data to third parties. Full details are in our Privacy Policy, which forms part of these Terms and Conditions.
Important: By registering an account or using any part of the Zoya 99 platform, you confirm that you have read, understood and agreed to these Terms and Conditions in full. If you do not agree, please do not use the platform.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player", "you") and Zoya 99 ("we", "us", "the platform"). By accessing or using the Zoya 99 website, mobile application or any associated service, you agree to be bound by these Terms in their entirety.
These Terms apply to all users of the Zoya 99 platform, including registered players, visitors and anyone who accesses any part of the service. If you are using the platform on behalf of another person, you confirm that you have the authority to bind that person to these Terms.
These Terms should be read alongside our Privacy Policy and Responsible Gaming Policy, both of which form part of the overall agreement between you and Zoya 99.
To register and use Zoya 99, you must meet all of the following eligibility requirements:
Zoya 99 reserves the right to request proof of age and identity at any time. If a player is found to be underage, their account will be closed immediately, all winnings will be forfeited and any deposits will be returned minus any bonuses claimed.
We take underage gambling seriously. Zoya 99 uses automated and manual age verification processes. If we have reason to believe a player is under 18, we will suspend the account pending verification. Players are encouraged to use parental control tools to prevent underage access.
Each player is permitted to hold one account on Zoya 99. Creating multiple accounts — whether under the same name, the same device, the same payment method or the same IP address — is strictly prohibited and will result in all associated accounts being closed and balances forfeited.
You must provide accurate, complete and up-to-date information when registering your account. This includes your full legal name, date of birth, email address and mobile number. Providing false or misleading information is a breach of these Terms and may result in account closure.
You are responsible for maintaining the confidentiality of your account credentials. Do not share your password with anyone. Zoya 99 will never ask for your password via email, chat or phone. If you suspect your account has been accessed without your permission, contact our support team immediately at [email protected].
Zoya 99 may require Know Your Customer (KYC) verification before processing withdrawals or at any point during your use of the platform. KYC documents typically include a government-issued photo ID and proof of payment method. Failure to complete KYC verification when requested may result in withdrawal delays or account suspension.
Zoya 99 accepts deposits via bKash, Nagad and Rocket. All deposits are credited to your Zoya 99 balance instantly upon confirmation from the payment provider. The minimum deposit amount is ৳100. There is no maximum deposit limit, though large deposits may trigger additional verification checks.
Zoya 99 reserves the right to refuse or reverse deposits that appear to be connected to fraudulent activity, money laundering or any other prohibited conduct.
Withdrawals are processed to the same payment method used for your most recent deposit. The minimum withdrawal amount is ৳200. Standard processing times are as follows:
Withdrawals may be delayed if your account has not completed KYC verification, if there is an active bonus with an unmet wagering requirement, or if our security team has flagged the account for review. We will notify you by email if a withdrawal is delayed and provide an estimated resolution time.
Zoya 99 processes withdrawals seven days a week including public holidays. If your withdrawal has not arrived within the stated timeframe, please contact support with your withdrawal reference number and we will investigate promptly.
Zoya 99 offers a range of bonuses and promotions to both new and existing players. All bonuses are subject to the specific terms stated on the relevant promotion page, as well as the general bonus rules set out here.
All bonuses carry a wagering requirement. This means you must wager the bonus amount (and in some cases the deposit amount) a specified number of times before the bonus or any winnings derived from it can be withdrawn. The wagering requirement for each bonus is clearly stated on the promotion page.
Not all games contribute equally to wagering requirements. Slots typically contribute 100%, while table games and live dealer games may contribute less. The contribution rates for each game type are listed on the bonus terms page.
Bonuses that are not used within the stated validity period will expire and be removed from your account automatically. Expired bonuses cannot be reinstated.
All games available on Zoya 99 operate using certified Random Number Generator (RNG) technology. This ensures that every outcome — every spin, every card dealt, every dice roll — is genuinely random and not influenced by previous results or any external factor.
Return to Player (RTP) percentages are published for all slot games. These figures represent the theoretical long-term return and do not guarantee individual session outcomes. Gaming on Zoya 99 involves risk and players should only wager amounts they are comfortable losing.
In the event of a technical malfunction during a game, the round will be voided and any stake placed will be returned to your balance. Zoya 99 is not liable for losses resulting from technical issues beyond our reasonable control, including internet connectivity problems on the player's side.
The following conduct is strictly prohibited on the Zoya 99 platform. Engaging in any of these activities will result in immediate account suspension, investigation and potentially permanent closure with forfeiture of all funds:
Chargeback Policy: Initiating a chargeback on a legitimate deposit is considered fraud. Zoya 99 will pursue recovery of funds and may report the matter to relevant authorities. Any player who initiates a chargeback will have their account permanently closed.
Zoya 99 reserves the right to suspend or close any account at any time, with or without prior notice, if we have reasonable grounds to believe that a player has breached these Terms, engaged in prohibited conduct, or if required to do so by law or regulatory authority.
If your account is closed due to a breach of these Terms, any balance remaining in the account may be forfeited. If your account is closed for reasons unrelated to a breach — for example, at your own request — your remaining balance will be returned to your registered payment method after any applicable verification checks.
You may close your Zoya 99 account at any time by contacting support at [email protected]. Please note that if you have an active self-exclusion in place, your account cannot be reopened until the exclusion period has ended.
Zoya 99 is committed to promoting responsible gaming. We provide a range of tools to help players manage their gaming activity, including deposit limits, loss limits, session time reminders and self-exclusion options. These tools are available in your account settings at any time.
If you feel that your gaming is becoming a problem, we strongly encourage you to use these tools or contact our support team. You can also visit our dedicated Responsible Gaming page for more information and external support resources.
Zoya 99 collects and processes personal data in accordance with our Privacy Policy, which is incorporated into these Terms by reference. By using the platform, you consent to the collection and use of your data as described in the Privacy Policy.
We collect only the data necessary to operate your account, process transactions, comply with legal obligations and improve the platform. We do not sell your personal data to third parties. For full details on how we handle your data, please read our Privacy Policy.
To the fullest extent permitted by applicable law, Zoya 99 shall not be liable for any indirect, incidental, special or consequential losses arising from your use of the platform, including but not limited to loss of winnings, loss of data or loss of opportunity.
Zoya 99's total liability to any player in connection with their use of the platform shall not exceed the total amount deposited by that player in the 12 months preceding the event giving rise to the claim.
Nothing in these Terms limits our liability for fraud, death or personal injury caused by our negligence, or any other liability that cannot be excluded by law.
Zoya 99 reserves the right to update or modify these Terms and Conditions at any time. When we make material changes, we will notify registered players by email and display a notice on the platform. The updated Terms will take effect 7 days after notification.
Continued use of the Zoya 99 platform after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree with the updated Terms, you should stop using the platform and contact support to close your account.
If you have any questions about these Terms and Conditions, or if you need to raise a complaint or dispute, please contact the Zoya 99 support team:
We aim to resolve all complaints fairly and promptly. If you are not satisfied with our response, you may escalate the matter through the relevant regulatory channel as described in our complaints procedure.