99pak Terms & Conditions — Your Rights, Our Obligations

In these Terms & Conditions, the following terms shall have the meanings ascribed to them below unless the context otherwise requires:

By accessing the 99pak Platform, creating an Account, or using any service provided by 99pak, you unconditionally agree to be bound by these Terms & Conditions in their entirety, including any documents incorporated herein by reference, including the Privacy Policy and Responsible Gaming Policy.

If you do not agree with any provision of these Terms & Conditions, you must immediately cease use of the 99pak Platform and close your Account. Continued use of the Platform following the posting of any amendments to these Terms constitutes your acceptance of the revised Terms.

To register and maintain an Account on 99pak, you must satisfy all of the following eligibility criteria at all times:

1. Age: You must be at least 21 years of age. This is a strict and non-negotiable requirement. 99pak will verify age through KYC documentation (CNIC) prior to processing any withdrawal.
2. Capacity: You must have full legal capacity to enter into binding agreements under the laws applicable to you. If you have been declared legally incapacitated by any court of competent jurisdiction, you are not eligible to hold a 99pak Account.
3. Single Account: You may hold only one registered Account on the 99pak Platform. Duplicate accounts will be closed and any funds therein may be forfeited. If you have previously self-excluded from 99pak, you are not eligible to register a new Account for the duration of the exclusion period.
4. Accurate Information: All information provided during registration must be accurate, complete, and current. You must notify 99pak of any changes to your registration details within 14 days of such change.
5. Not a Restricted Person: You must not be an employee, officer, director, agent, affiliate, or close family member of any of the above associated with 99pak or any of its affiliated companies or game suppliers.

99pak reserves the right to request verification of eligibility at any time and to suspend or close Accounts where eligibility cannot be confirmed to 99pak's reasonable satisfaction.

To access real-money games and betting services on 99pak, you must complete the Account registration process. The following conditions apply to all 99pak Account registrations:

• You must provide a valid email address or mobile phone number that is registered in your own name. Accounts registered using another person's contact details will be closed.
• You must choose a secure password for your Account. 99pak recommends a password of at least 10 characters containing a combination of upper and lower case letters, numbers, and symbols.
• You agree that the information supplied during registration is true, accurate, and not misleading. Providing false information — including a false date of birth or identity — constitutes a material breach of these Terms and may result in immediate Account closure and forfeiture of any Balance.
• Registration is free of charge. 99pak does not charge any fee for creating an Account.
• Only one Account per person, household, IP address, device, or shared computer is permitted. Where 99pak reasonably determines that multiple Accounts have been registered by the same individual, all Accounts other than the first registered may be closed at 99pak's discretion.

You are solely responsible for maintaining the security and confidentiality of your 99pak Account login credentials, including your username, password, and any two-factor authentication (2FA) codes. 99pak will never ask you to disclose your password via live chat, email, or any other communication channel.

You agree to:

• Keep your login credentials strictly confidential and not share them with any third party;
• Notify 99pak support immediately if you suspect your Account has been accessed by an unauthorised person;
• Enable two-factor authentication, which is available for all 99pak Accounts and is strongly recommended;
• Log out of your Account at the conclusion of each session, particularly when accessing 99pak from a shared or public device.

99pak shall not be liable for any loss or damage arising from your failure to maintain the security of your Account credentials, including any unauthorised transactions that occur prior to notification to 99pak of a security breach.

All deposits on 99pak are processed in Pakistani Rupees (PKR). The following conditions apply to all Account deposits:

• Minimum Deposit: The minimum deposit amount on 99pak is Rs 300, unless otherwise stated for a specific payment method or promotion.
• Accepted Methods: 99pak currently accepts deposits via JazzCash, EasyPaisa, HBL Online Banking, UBL Online Banking, and Meezan Bank. Accepted payment methods are subject to change; the current list is always displayed on the Cashier page within your Account.
• Own Funds: You may only deposit funds that belong to you. Depositing funds from third-party accounts — including accounts belonging to family members — is strictly prohibited.
• Processing Times: JazzCash and EasyPaisa deposits are credited to your 99pak Balance instantly in the vast majority of cases. Bank transfer deposits (HBL, UBL, Meezan) may take up to one business day to process.
• Deposit Limits: 99pak allows you to set voluntary deposit limits (daily, weekly, monthly) from your Account settings. Once set, deposit limit reductions take effect immediately; increases are subject to a 24-hour cooling-off period.
• No Interest: No interest is payable on funds held in your 99pak Account Balance.

To withdraw funds from your 99pak Account, you must complete Know Your Customer (KYC) verification. The following conditions apply to all withdrawals:

• KYC Documentation Required: Valid government-issued photo identity (CNIC) and proof of address (recent utility bill or bank statement dated within 3 months) are required before any withdrawal is processed.
• Minimum Withdrawal: The minimum withdrawal amount is Rs 500 for JazzCash and EasyPaisa; Rs 1,000 for bank transfer methods.
• Same Method Rule: 99pak applies a "same method" withdrawal policy wherever operationally possible — funds deposited via JazzCash will be returned to the same JazzCash wallet, and so on. Withdrawal to a different method may require additional verification.
• Processing Times: Verified Account withdrawals to JazzCash and EasyPaisa are typically processed within 5–30 minutes of approval. Bank transfer withdrawals are processed within one business day. Processing times may extend during periods of high platform activity or where additional verification is required.
• Bonus Wagering: Winnings derived from bonus funds may not be withdrawn until applicable wagering requirements have been fully satisfied. Attempting to withdraw before fulfilling wagering requirements will result in the forfeiture of any outstanding bonus balance.
• Withdrawal Requests: You may only withdraw to a payment method in your own name. 99pak reserves the right to request documentation confirming ownership of any payment account used on the Platform.

99pak offers various bonuses and promotional offers to Players. All bonuses are subject to the following general conditions, in addition to any specific terms attached to individual promotions:

• Wagering Requirements: Unless otherwise stated, all bonuses carry a wagering requirement that must be satisfied before any winnings derived from bonus funds can be withdrawn. The wagering requirement multiplier (e.g., 35x) applies to the bonus amount received.
• Eligible Games: Not all games contribute equally to wagering requirements. Typically, slots contribute 100% of each wager; live casino table games (baccarat, blackjack, roulette) contribute between 10% and 25%; game shows and crash games may contribute 0% unless otherwise specified. The eligible game list is published with each promotion.
• Expiry: All bonuses carry an expiry date or time period (typically 7–30 days from issuance). Any bonus funds not wagered and any outstanding wagering progress will be forfeited upon expiry without notice or compensation.
• One Bonus at a Time: Only one promotional bonus may be active on a 99pak Account at any time. Free spins winnings may run concurrently with a deposit bonus in some promotional configurations; specific terms will state this where applicable.
• Abuse and Fraud: 99pak reserves the right to void bonuses and confiscate associated winnings where there is reasonable evidence of bonus abuse, including but not limited to: use of low-risk betting strategies to satisfy wagering requirements, coordination between multiple accounts to exploit promotions, or provision of false information to qualify for offers.
• Maximum Cashout: Some promotions impose a maximum cashout limit on winnings derived from bonus funds (e.g., 5x the bonus amount). Where such a limit applies, it will be stated prominently in the promotion-specific terms.

The following conditions apply to all gaming and betting activity conducted on the 99pak Platform:

• Game Rules: The rules applicable to each individual casino game are accessible within the game client prior to commencing play. Players are responsible for familiarising themselves with game-specific rules before wagering real money.
• Malfunction Policy: In the event of a game or system malfunction, 99pak reserves the right to void the affected game round and refund the wager placed on that round. A malfunction voids all bets and pays on the affected game round. This policy applies to all casino games and sports betting markets.
• Cricket & Sports Betting: All sports betting markets — including PSL cricket, international cricket, and other sporting events — are subject to 99pak's Sportsbook Rules, which govern settlement, void conditions, postponement policies, and the treatment of abandoned matches. Settlement of markets is based on the official result of the relevant governing body.
• Minimum & Maximum Stakes: Minimum and maximum stake limits apply to all casino games and betting markets. These limits are displayed within the game or market interface prior to placing a wager. 99pak reserves the right to apply individual player stake limits at its discretion.
• Final Decision: In all matters relating to the outcome of casino games and sports betting markets, the decision of 99pak (acting reasonably and in accordance with its licence obligations) shall be final and binding.

The following conduct is strictly prohibited on the 99pak Platform and constitutes a material breach of these Terms & Conditions:

• Providing false, misleading, or inaccurate information at any point during registration, KYC, or customer support interactions;
• Registering or operating more than one Account on the Platform;
• Using the Platform if you are under 21 years of age or have been self-excluded from 99pak;
• Attempting to manipulate game outcomes through the use of bots, scripts, or any other automated means;
• Engaging in any form of collusion, arbitrage betting, or match-fixing in connection with sports betting markets;
• Using the Platform in furtherance of money laundering, terrorist financing, or any other criminal activity;
• Exploiting bugs, errors, or technical vulnerabilities in the Platform for financial gain. Any winnings obtained in this manner are void and will be recovered;
• Engaging in harassment, abusive conduct, or threatening behaviour toward 99pak staff or other Platform users.

99pak reserves the right to suspend or permanently close any Account involved in prohibited conduct and to withhold any Balance pending investigation. Where applicable, 99pak will report suspicious activity to the relevant regulatory or law enforcement authorities.

99pak is committed to promoting responsible gambling practices. As part of this commitment, 99pak provides the following tools to all Account holders, accessible at any time from the Account Settings panel:

• Deposit Limits: Daily, weekly, and monthly deposit limits. Reductions take immediate effect; increases are subject to a 24-hour cooling-off period.
• Loss Limits: Caps on the total amount a Player may lose within a specified time period.
• Session Time Limits: Alerts displayed after a specified duration of continuous play.
• Cool-Off Periods: Temporary account access restrictions of between 24 hours and 6 weeks, during which no deposits or gameplay are possible.
• Self-Exclusion: Permanent or long-term exclusion from the 99pak Platform for a minimum period of 6 months. Self-exclusion requests take immediate effect. During a self-exclusion period, 99pak will not send any promotional communications to the affected Account holder.

Players who believe they may have a problem with gambling are strongly encouraged to use the self-exclusion tool and to seek support from appropriate assistance organisations. 99pak staff are trained to identify and respond to signs of problem gambling behaviour and may proactively reach out to Players showing such signs.

All content on the 99pak Platform — including but not limited to software, game content, graphics, text, design elements, branding, logos, and data — is the exclusive property of 99pak or its licensors and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the 99pak Platform for personal, non-commercial entertainment purposes only. You may not:

• Copy, reproduce, distribute, or publicly display any part of the Platform or its content without the prior written consent of 99pak;
• Attempt to reverse engineer, decompile, or disassemble any software used in connection with the Platform;
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices displayed on the Platform.

Any unauthorised use of 99pak's intellectual property constitutes a breach of these Terms and may expose you to legal liability. The 99pak name, logo, and associated marks are trademarks of 99pak and may not be used without prior written authorisation.

To the fullest extent permitted by applicable law, 99pak's total liability to any Player in connection with their use of the Platform shall not exceed the total real-money Balance held in the Player's Account at the time the relevant cause of action arose.

99pak shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or loss of business opportunity, arising from or in connection with your use of the Platform, whether based in contract, tort, or any other legal theory, even if 99pak has been advised of the possibility of such damages.

99pak does not guarantee uninterrupted or error-free operation of the Platform and accepts no liability for losses arising from:

• Temporary Platform unavailability due to maintenance, technical failure, or force majeure events;
• Delays or failures in telecommunications or internet infrastructure outside 99pak's control;
• Errors or omissions in information displayed on the Platform that are not the direct result of 99pak's negligence.

Nothing in these Terms shall limit or exclude 99pak's liability for fraud, death or personal injury caused by 99pak's negligence, or any other liability that cannot be limited or excluded by applicable law.

99pak collects, processes, and stores personal data in accordance with its Privacy Policy, which forms an integral part of these Terms & Conditions and is incorporated herein by reference. By registering an Account, you consent to 99pak's collection and processing of your personal data as described in the Privacy Policy.

In summary, 99pak collects personal data for the following primary purposes:

• Account registration, identity verification (KYC), and age verification;
• Processing of deposits and withdrawals in compliance with anti-money laundering requirements;
• Delivery of customer support, including investigating and resolving account issues;
• Sending promotional communications where you have opted into receiving them (you may opt out at any time);
• Compliance with regulatory obligations under 99pak's international gaming licence.

99pak does not sell personal data to third parties for their own marketing purposes. Data is shared with third parties only where necessary for the operation of the Platform (e.g., payment processors, game software providers) or where required by law. Full details of data handling practices are set out in the Privacy Policy.

99pak reserves the right to suspend, restrict, or permanently close a Player's Account in any of the following circumstances:

• Where 99pak has reasonable grounds to believe that a Player has breached any provision of these Terms & Conditions;
• Where a Player has provided false, misleading, or fraudulent information in connection with their Account or KYC documentation;
• Where 99pak is required to do so in order to comply with its regulatory or legal obligations, including anti-money laundering requirements;
• Where a Player's account activity indicates problem gambling behaviour that presents a risk of harm to the Player, and the Player has not responded to 99pak's communications regarding responsible gaming tools;
• Where a Player's Account has been inactive (no login or transactions) for a period of 12 consecutive months.

Where an Account is suspended pending investigation, the Player's Balance will be held in accordance with 99pak's licence obligations. Where an Account is closed due to a Player breach, 99pak may, at its discretion and depending on the nature of the breach, forfeit the Player's Balance. Any such decision will be communicated to the Player and is subject to the dispute resolution process in Section 17.

Players wishing to voluntarily close their Account may do so at any time by contacting 99pak support via live chat. The real-money Balance remaining in a voluntarily closed Account will be refunded to the Player's last verified payment method within 5 business days.

99pak reserves the right to amend, update, or replace any provision of these Terms & Conditions at any time. When material changes are made to the Terms, 99pak will provide Players with reasonable advance notice via email to the registered Account address and/or by displaying a prominent notice on the Platform at the time of login.

The effective date of any amended Terms will be clearly stated at the top of the updated document. Continued use of the 99pak Platform after the effective date of amended Terms constitutes acceptance of the revised Terms in full. If you do not wish to accept amended Terms, you must discontinue use of the Platform and close your Account before the effective date of the changes.

99pak recommends that all Players review these Terms periodically to remain informed of any changes. The most current version of the Terms & Conditions is always accessible from the footer navigation of the 99pak Platform.

99pak is committed to addressing Player complaints fairly and efficiently. If you have a complaint regarding your Account, a game outcome, a withdrawal, a bonus, or any other aspect of your 99pak experience, please follow the process below:

1. Step 1 — Contact Support: In the first instance, contact 99pak's customer support team via live chat or at [email protected]. The support team aims to resolve all queries within 24 hours. Please provide your Account username, a clear description of the issue, and any relevant transaction or game round IDs.
2. Step 2 — Formal Complaint: If your issue has not been resolved to your satisfaction via standard support channels, you may submit a formal written complaint to the same email address, addressed to the Complaints Department. All formal complaints will receive an initial acknowledgment within 48 hours and a substantive response within 14 days.
3. Step 3 — Escalation: If you remain dissatisfied after the formal complaint process has been concluded, you may escalate your complaint to the relevant regulatory or dispute resolution body identified under 99pak's international gaming licence. Details of the applicable body will be provided to you upon request or in the response to your formal complaint.

99pak commits to engaging in good faith with all complaint and dispute resolution processes. Settlement of sports betting markets and casino game outcomes, once confirmed by the relevant official body and processed correctly on the Platform, are generally not subject to dispute resolution except where an error on 99pak's part is demonstrated.

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 the laws of the jurisdiction in which 99pak holds its international gaming licence. Players acknowledge that the governing law may differ from the law of the jurisdiction in which the Player is located.

By registering an Account and agreeing to these Terms, you irrevocably submit to the exclusive jurisdiction of the courts of the applicable licensing jurisdiction for the resolution of any dispute or claim that cannot be resolved through the complaint and alternative dispute resolution process set out in Section 17 above.

Nothing in this clause shall limit 99pak's right to bring proceedings against you in any other court of competent jurisdiction where there is evidence of criminal conduct, fraud, or other unlawful activity.