joya 44 Terms and Conditions

These terms and conditions ("Terms") govern the use of the joya 44 platform and all related services. "joya 44", "we", "our" or "platform" refers to the operating entity behind joya 44 and its website and mobile application. "User", "you" or "member" refers to any person registered on the platform.

Some key terms used in these conditions are clarified below:

• Account: The personal profile created by registering on joya 44, through which all services are accessed.
• Balance: The combined amount of real money and bonus money held in the account.
• Bonus: Additional funds provided as part of a promotion, which cannot be withdrawn before the specified wagering requirements are met.
• Deposit: The process of adding funds to your account.
• Withdrawal: The process of taking funds out of your account.
• Wagering Requirement: The specified number of times bonus funds must be wagered before a withdrawal can be made.

By using the joya 44 website or app, accessing any service, or creating an account, you are considered to have fully accepted these terms. If you do not agree with any part of these terms, please refrain from using the platform.

2.1 Age and Identity

To open an account on joya 44, you must be 21 years of age or older. This is a mandatory requirement, and joya 44 reserves the right to close an account immediately if this condition is not met. The name, date of birth, and contact information provided at registration must be accurate and your own.

2.2 One Account Per Person

Only one account is permitted per person, household, address, or IP address. If the same person holds multiple accounts, all of them will be closed and any bonuses or winnings in those accounts may be forfeited.

2.3 Account Verification

joya 44 may request documents for identity verification at any time. The withdrawal process may be temporarily suspended until verification is complete. If the required documents are not provided in time, the account may be restricted.

• A valid and active mobile number and email address must be provided at registration.
• A copy of a national identity card or passport may be requested for verification.
• To change registration details, you must contact the support team directly.
• Creating multiple accounts is strictly prohibited and is treated as fraud.

The responsibility for keeping your joya 44 account secure rests primarily with you. Giving, sharing, or allowing anyone else to use your login details is strictly prohibited. You are responsible for all activity that takes place through your account.

Follow these steps to stay secure:

• Use a strong and unique password and change it regularly.
• Make sure to log out after using an unfamiliar device or a public network.
• If you notice any suspicious activity, inform the joya 44 support team immediately.
• joya 44 will never ask for your password or OTP via email or chat.

4.1 Deposits

Deposits on joya 44 can currently be made via bKash, Nagad, Rocket, and Upay. The minimum deposit amount is ৳200. Deposited funds are generally credited to the account within a short time. Funds deposited on the platform must come from a legitimate source.

4.2 Withdrawals

A minimum balance of ৳500 is required in the account to make a withdrawal. The withdrawal process generally takes between 30 minutes and 3 hours to complete. The same payment method used for the deposit must be used for the withdrawal — that is, bKash, Nagad, Rocket, or Upay.

• Minimum deposit: ৳200 (all methods)
• Minimum withdrawal: ৳500
• Withdrawal processing time: 30 minutes to 3 hours
• Accepted payment methods: bKash, Nagad, Rocket, Upay

4.3 Withdrawing Bonus Funds

Bonus funds cannot be withdrawn until the specified wagering requirements have been met. Details of the wagering requirements are provided in the following section.

5.1 Welcome Bonus

joya 44 offers new members a 100% bonus on their first deposit, up to ৳20,000. The wagering requirement for this bonus is 25 times the bonus amount. For example: depositing ৳1,000 gives a ৳1,000 bonus, bringing the total balance to ৳2,000; to withdraw from this bonus, bets worth ৳1,000 × 25 = ৳25,000 must be placed.

5.2 General Bonus Terms

• A bonus offer can only be claimed once per user, household, or IP address.
• There is a set time limit to complete the wagering requirement; if not met within that time, the bonus will be cancelled.
• If there is evidence that a bonus has been used fraudulently, joya 44 reserves the right to close the account.
• joya 44 reserves the right to modify, cancel, or suspend any promotion.

5.3 Other Promotions

The weekly joya 44 Reload Bonus, joya 44 Slot Adventure Bonus, Cricket Deposit Offer, Birthday Gift, and Refer a Friend Reward — each of these offers has its own applicable terms. The full terms of each promotion will be available on the relevant offer page and will operate alongside these general terms.

6.1 Validity of Bets

Every bet placed on joya 44 is considered final — once a bet is confirmed, it cannot be cancelled except in the case of a technical error. For sports events, it may be possible to change a bet before the event starts, but this does not apply in all cases.

6.2 Odds and Results

Odds are always subject to change, and the odds at the time the bet is confirmed will apply. If the result of a match or event cannot be determined due to technical reasons, the related bet may be voided and the funds returned.

6.3 Maximum Bet Limits

joya 44 reserves the right to set limits on bet amounts or winnings. Limits may differ for VIP members. If unusual betting patterns are detected or an attempt is made to gain an unfair advantage through a particular betting strategy, joya 44 may void those bets.

• In casino games, the individual rules of each game will apply.
• In sports betting, the official result of the event will be considered final.
• joya 44 is not responsible for the outcome of any ongoing bet in the event of an internet disconnection.
• Jackpot winnings will be paid after verification.

The following activities are strictly prohibited on the joya 44 platform. Breaching these prohibitions will result in the immediate closure of the account and all funds may be forfeited.

• Operating or using an account on behalf of a minor.
• Creating multiple accounts to claim bonus or promotion benefits.
• Attempting to manipulate any software or algorithm on the platform.
• Money laundering or depositing funds obtained from illegal sources.
• Using automated bots or software to place bets.
• Engaging in fraudulent behaviour towards joya 44 or other members.
• Sharing or selling your own or another person's account login details.

If any of the above activities occur, joya 44 will conduct an investigation and reserves the right to notify the relevant authorities if necessary.

8.1 Closure at the User's Request

You may request the closure of your joya 44 account at any time. To do so, contact the support team via 24/7 live chat or email. It is recommended that you withdraw any real money balance before closing the account.

8.2 Suspension or Closure by joya 44

joya 44 may suspend or close an account without prior notice in the following circumstances:

• A serious breach of these terms and conditions.
• Suspected fraud or money laundering.
• Failure to cooperate with the identity verification process.
• Evidence of operating multiple accounts.
• Evidence that the account belongs to a minor.

8.3 Inactive Accounts

A maintenance fee may be applied to accounts that have been inactive for an extended period. Please contact the support team for the latest policy on this matter.

joya 44 strives to operate its services to the highest standard. However, it is necessary to define limits of liability in certain situations:

• joya 44 is not responsible for issues caused by internet connection problems, power outages, or any other third-party factors.
• Compensation cannot be provided for missed opportunities due to temporary unavailability of the platform.
• joya 44 is not directly liable for delays or errors in third-party payment processing.
• Direct liability for technical issues in game providers' software is limited.

joya 44 reserves the right to correct any amounts incorrectly credited or debited due to a technical error. The user will be notified of any such correction as soon as possible.

Protecting your personal information is very important to us. Information provided when registering with joya 44 will be used solely for the purposes of delivering services, verifying identity, and preventing fraud.

Please read our Privacy Policy carefully for full details on how your information is collected, stored, and used. The Privacy Policy is an integral part of these terms.

• Your personal information will not be sold to third parties.
• Information will not be disclosed to government agencies except where required by law.
• All transaction data is kept secure using SSL encryption.
• You may request to view or correct the information we hold about you.

joya 44 believes that gambling should be a form of entertainment — not a solution to financial problems. We therefore place the highest importance on responsible play. All members are advised to set their own betting limits and take regular breaks.

Gambling addiction can be a serious problem. If you feel that gambling is having a negative impact on your life, please read the Responsible Gaming Guidelines and seek help if needed.

• You can request deposit limits, betting limits, or a temporary break yourself.
• You can use the Self-Exclusion feature to keep yourself away from the platform for a set period of time.
• If you notice signs of gambling addiction, seek professional help.

joya 44 reserves the right to change, amend, or update these terms at any time. For significant changes, we will attempt to send a notification to your registered email or mobile number, though this may not always be possible.

Continued use of the platform after updated terms have been published will be considered acceptance of the new terms. We therefore recommend visiting this page regularly.

Dispute Resolution

If a dispute arises between joya 44 and a member, we will first attempt to resolve it through direct discussion. You can contact the support team to discuss any complaint or dispute. You can also visit the joya 44 About Us page to learn more about us.